State Auto Insurance: A Comprehensive Overview

Henry Gibson

state auto insurance

State Auto Insurance is a reputable insurer operating in 33 different states. Established in 1921, the company rose to prominence after being purchased by Liberty Mutual in 2022. The auto insurance prices offered by State Auto are compared to those of other major providers in the states of Ohio, Pennsylvania, and Texas. While State Auto’s prices in Ohio are higher than average, we do offer some low-cost alternatives. When compared to Progressive, USAA, and Allstate, State Auto’s Pennsylvania rates are higher but still competitive. In addition to liability coverage, uninsured/underinsured motorist protection, PIP, Med Pay, Collision Coverage, and Comprehensive Coverage are also available via State Auto. Customers can tailor their insurance coverage to their needs and budget with the help of these choices.

Introduction to State Auto Insurance

Established for more than a century, State Auto_Insurance is a stalwart in the insurance industry. The company’s headquarters are located in Columbus, Ohio, and it was established in 1921 under the name State Automobile Mutual Insurance Co. It serves customers in 33 states with a suite of insurance options, including auto, home, business, farm, and ranch coverage. State Auto has earned substantial attention in the insurance market, especially after being acquired by Liberty Mutual in 2022, where it continues to provide a range of coverage alternatives.

Comparing State Auto’s Car Insurance Costs

When comparing insurance companies, it’s important to think about how much you’ll spend on vehicle insurance. Compare State Auto’s prices to those of other major insurers in each state.

State Auto Car Insurance in Ohio

Ohio drivers may want to check State Auto’s prices against those of more nationally recognized insurers. The following are the typical annual premiums for State Auto’s vehicle insurance:

  • USAA: $759
  • Geico: $853
  • Travelers: $874
  • Nationwide: $905
  • Progressive: $1,016
  • Auto-Owners: $1,054
  • State Auto: $1,061
  • Farmers: $1,250
  • Allstate: $1,971
  • State Farm: $2,139

Source: Information Services by Quadrant. Uninsured motorist coverage, collision coverage, and comprehensive coverage with a $500 deductible are all included in the base rate. It’s worth noting that USAA auto insurance is reserved for active-duty service members, veterans, and their families.

State Auto Insurance has cheaper options in Ohio than Farmers, Allstate, and State Farm, but having higher prices overall.

State Auto Car Insurance in Pennsylvania

State Auto’s insurance policies are also a good fit for Pennsylvania motorists. See how State Auto’s rates stack up against those of other state-based insurers below.

  • Travelers: $1,916
  • Nationwide: $2,593
  • Auto-Owners: $2,657
  • Geico: $2,997
  • State Farm: $2,034
  • State Auto: $3,037
  • Progressive: $3,098
  • USAA: $3,175
  • Allstate: $6,342

The same is true of USAA auto insurance in Ohio; it is exclusively for active duty military, veterans, and their families. Although State Auto’s rates in Pennsylvania are higher than those of other competitors, they are still less than those offered by Progressive, USAA, and Allstate.

State Auto Car Insurance in Texas

Compare State Auto’s prices with those of other insurance companies if you’re a Texas driver. The following are the typical annual premiums charged by Texas insurers for car coverage:

  • USAA: $1,853
  • Geico: $1,861
  • Nationwide: $1,897
  • State Auto: $2,756
  • Allstate: $3,173

USAA auto insurance is accessible only to active duty military personnel, veterans, and their families, just like in every other state. When compared to other providers, State Auto’s auto insurance prices in Texas are more expensive.

State Auto’s Car Insurance Offerings

With State Auto’s flexible coverage options, you may tailor your policy to your precise requirements. State Auto’s list of available auto insurance coverages includes the following:

  • Liability Insurance

Liability automobile insurance covers medical bills and property damage caused by you in an auto accident. If you are sued due of the accident, the insurance will cover your legal expenses.

  • Uninsured/Underinsured Motorists

If you or your passengers are injured in an accident with a driver who does not have liability vehicle insurance or who does not have enough coverage (underinsured motorist), this policy will help pay for your medical bills. Property damage caused by an uninsured driver is also covered by this policy.

  • Personal Injury Protection (PIP)

In the event of an automobile accident, regardless of who was at fault, personal injury protection will pay for medical care for you and your passengers. In addition to covering medical expenses, PIP pays for lost income and substitute services, such as child care, that you need because of your injury.

  • Medical Payments (MedPay)

Your medical expenses, including those of your passengers, will be covered by MedPay no matter who is at blame. It usually comes in relatively low denominations, such $1,000 and $5,000.

  • Collision Coverage

When you’re at fault or not, collision insurance will cover the costs associated with fixing your vehicle. If you crash into something, like a pole or fence, your insurance will pay for the repairs.

  • Comprehensive Coverage

Theft and damage to your vehicle caused by events other than crashes, like vandalism, fire, falling objects, striking an animal, and storm damage, are covered by comprehensive auto insurance.

State Auto’s Car Insurance Packages

State Auto provides three levels of coverage for their auto_ insurance policies:

  • Standard

State Auto’s base policy is flexible enough to let you pick and choose the coverage options that best suit your needs. Coverage for emergency roadside service is an available add-on.

AutoXtended Plus/Protection Plus

The AutoXtended Plus package from State Auto provides you with comprehensive protection for your car and its contents. Benefit from everything:

  • Accident forgiveness and minor violation coverage
  • $250 locksmith or key replacement coverage
  • $500 pet injury coverage
  • $500 cell phone coverage
  • $10,000 emergency ambulance coverage
  • Rented vehicle coverage
  • Waived deductibles for collision, comprehensive (other than collision), and uninsured motorist property damage coverage.
  • Ability to add full safety glass coverage (covers replacement or repairs of glass on your vehicle without a deductible being charged)

AutoXtended Premier

State Auto’s AutoXtended Premier package includes the same fundamental auto_insurance protections as AutoXtended Plus, plus the following with increased limits: 

  • $500 locksmith or key replacement limit
  • $750 pet injury coverage limit
  • $1,000 cell phone coverage limit
  • $25,000 emergency ambulance coverage limit

Other Types of Insurance Offered by State Auto

State Auto provides insurance for more than just cars; they also cover homes, companies, farms, and ranches. Among these are:

For Individuals

  • Condo
  • Dwelling fire
  • Homeowners
  • Renters
  • Umbrella
  • For Businesses

Business auto

  • Business liability
  • Business owners policy
  • Commercial umbrella
  • Cyber
  • Data breaches
  • Employment practices liability
  • Property
  • Workers compensation

For Farms and Ranches

  • Farm auto
  • Farm and ranch
  • Farm umbrella

State Auto’s Mobile App

State Auto gives policyholders a mobile app with a variety of useful functions.

  • View car insurance ID cards
  • Review policy documents
  • File and track an accident claim
  • Update personal information
  • Pay your car insurance bill
  • View billing history and future payment schedule
  • Chat with State Auto, contact your agent, or find your claims adjuster
  • Contact roadside assistance or file a glass claim if you have these as part of your policy


We’ve covered everything from cost comparisons to different types of coverage to optional extras when it comes to State Auto_Insurance. You may make a well-informed decision about selecting State Auto as your insurance provider by giving careful thought to your own requirements and preferences.

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Frequently Asked Questions

Does State Auto Offer Accident Forgiveness?

Auto_insurance that covers minor infractions and accidents is available from State Auto. Your first accident and minor violation rate increases may be avoided if you go 35 months without either.

Does State Auto Offer New Car Replacement?

Yes, State Auto offers optional new car replacement insurance. It pays to replace your vehicle with a similar make and model if it’s totaled due to a problem covered by collision or comprehensive coverage, such as an accident or fire. This coverage applies when your vehicle is less than two years old.

Does State Auto Offer Gap Insurance?

If you have a loan on your automobile and it gets totaled in an accident, gap insurance from State Auto will pay the difference between what you owe and what your car is worth.

Does State Auto Offer a Diminishing Deductible?

There is no decreasing deductible available via State Auto. Some insurance providers provide a discount on your collision and comprehensive deductibles if you maintain a good driving record for a set amount of time.

Does State Auto Offer Usage-Based Insurance?

Yes, State Auto offers usage-based auto_insurance called State Auto Safety 360. It keeps tabs on your driving patterns via a tracking app and a small tag attached to your car, and rewards safe drivers with savings.

Does State Auto Offer Pay-Per-Mile Insurance?

In contrast to several other auto_insurance providers, State Auto does not provide a pay-per-mile plan for low-mileage drivers.

Does State Auto Offer Rideshare Insurance?

Yes, State Auto offers ridesharing insurance through a product called State Auto Connect, which covers drivers from the time they open the app until they pick up a passenger.

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