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June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Nov 03, 2022 Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. At a glance
Not rated Bankrate Score Home 0.0 Auto 0.0 About Bankrate Score Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. State Auto writes a variety of personal lines, business and farm and ranch insurance policies in 33 states. It is not rated by J.D. Power for customer service, but may be worth considering for those seeking home and auto insurance with multiple discount opportunities. Pros and Cons Quick Look Pros Home and auto insurance policies are available in packages or personalized for all needs Wide array of discount opportunities to save money on home and auto insurance In business over 100 years Cons State Auto is only available in 33 states Not rated by J.D. Power for overall customer satisfaction Downgraded to an A- (Excellent) from an A (Excellent) for financial strength by AM Best Avg. annual auto insurance premium for full coverage: $1,908 Avg. annual auto insurance premium for min coverage: $700 Avg. annual home insurance premium for $250k dwelling coverage: $1,218 Compare rates Answer a few questions to see personalized rates from top carriers State Auto insurance was founded in 1921, known then as the State Automobile Mutual Insurance Company. A little over 100 years later, the regional carrier is now called State Auto and writes auto insurance premiums in 33 states. While the main headquarters operates out of Columbus, Ohio, other offices for State Auto are located throughout the midwest, Tennessee and Texas. Bankrate's State Auto insurance review can help you determine if State Auto is a good fit for your personal lines insurance. The company's home and auto insurance policies can be personalized or purchased as a package, although some coverage options are only available as a package. State Auto is only available in certain states. To see if you live in an area where the company operates, you can use the on State Auto's website to find a local insurance agent. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Shop rates and compare quotes
Get personalized auto insurance quotes by answering a few quick questions Quick facts on average this year by shopping for new car insurance Rates vary by state The average American pays for auto insurance Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More
State Auto car insurance
Finding the starts with understanding what aspects of insurance are most important to you. State Auto car insurance offers options for drivers who don't want to spend a lot of time personalizing their car insurance as well as those who do. Drivers who want personalized coverage may opt for the company's Standard package, while those who want the company's set packages can pick the Protection Plus or AutoXtended Premier. The Protection Plus offers unique financial protections, like cell phone coverage, emergency ambulance coverage, locksmith and key replacement coverage. The AutoXtended Premier offers everything in the Plus tier, with some coverage at higher limits. Beyond and standard coverage, like collision and comprehensive insurance, State Auto also offers additional coverage options. These include full safety glass coverage, which has no deductible for glass claims, as well as for drivers partnered with Uber and Lyft. Auto replacement cost could cover the replacement cost of your car if it is within two model years of your policy date and deemed a total loss in an accident. State Auto car insurance cost
The average cost of full coverage insurance from State Auto is $1,908 per year. Its minimum coverage policies are $700 per year on average. Both rates are higher than the national , which is $1,771 per year for full coverage and $545 per year for minimum coverage. Although your actual rates may vary based on a number of , these figures may be useful for comparison. State Auto average annual full coverage premium National average annual full coverage premium Clean driving history $1,908 $1,771 $2,327 $2,138 $3,077 $2,521 $5,286 $3,852 *16-year-old rates reflect the total cost of parents insuring a teen on their full coverage car insurance policy
State Auto car insurance discounts
Like many other , State Auto offers a number of discounts to help . Some options include: State Auto start-up discount Potential policyholders who quote before their original policy’s effective date could earn a discount. Savings amounts vary based on how many days in advance the quote has been requested, as well as how long the prior policy has been active. Driving training discount Drivers under the age of 21 could earn a discount for taking a qualifying driving course. Accident prevention course discount Drivers age 21 or older with a valid driver’s license could earn this discount by taking a course within the last 36 months. State Auto car services
State Auto does not indicate it offers any additional financial or auto services to car insurance policyholders. State Auto home insurance
State Auto home insurance also comes in three package tiers: . Similar to State Auto car insurance, the Standard package is the most basic tier, giving homeowners the opportunity to add coverage options based on their needs, or stick with the essentials. The Protection Plus package comes with lock replacement, $1,000 in coverage for freezer contents lost due to power outage or breakdown and coverage for golf cart rentals. Homeowners can also add the HomeXtended endorsement, which offers more financial protection for your home and personal belongings. This coverage is automatically included in the Premier package, which also includes coverage for specialty high-value items like jewelry and fine art, as well as volunteer wrongful acts, if the insured is legally responsible for errors or negligence while working as a volunteer. Other optional home coverage from State Auto includes , which may be ideal for insureds who also use their home for short-term rentals, as well as home systems protection for AC units, computers and home security devices. State Auto also offers identity fraud coverage, ordinance or law, service line, water backup and personal injury coverage for homeowners who want to personalize their policy. State Auto home insurance cost
State Auto home insurance costs an average of $1,218 per year for $250,000 in dwelling coverage. This is lower than the national average premium of $1,383 per year for the same amount of coverage. Across the board, State Auto averages more affordable home insurance premiums compared to the national average for increasing dwelling coverage limits. As you look for the for your needs, keep in mind that your actual quote may vary depending on where you live, the age and size of your home and other variables unique to you and your home. Dwelling coverage limit State Auto average annual premium National average annual premium $150,000 $806 $980 $250,000 $1,218 $1,383 $350,000 $1,626 $1,887 $450,000 $1,995 $2,351 $750,000 $2,913 $3,414 State Auto home insurance discounts
Saving money on home insurance can be accomplished in a few ways, such as taking advantage of discounts. State Auto offers some of the following: New construction discount If your home is newly built, this discount may be added to your policy. Roof construction discount Depending on the age and type of material your roof has, your homeowners policy could be eligible for this discount. Fortified home discount You could qualify for this discount if your home meets Fortified Home standards for construction. Homeowners with State Auto may use the company's AI-powered self-guided property inspection mobile application to perform their own property inspection. This may eliminate the need for another person to come into the home, and has capability for collecting interior and exterior property inspection data. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
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Other State Auto perks worth considering
Beyond auto and homeowners insurance, State Auto also offers a variety of other insurance products. These include: : Condominium unit owners are typically only responsible for the interior of their units, which condo insurance provides coverage for. : The umbrella policy offers increased liability protection on all personal lines insurance, such as auto, home and rental property insurance. : This policy type offers coverage for personal belongings, personal liability and loss of use coverage. State Auto corporate sustainability
State Auto participates in a number of community initiatives and encourages associates to take time off to volunteer. Under the , associates can take one day off a year to participate in volunteer activities, and can also fundraise through associate giving campaigns. Its Jay Yano Community Service Award also recognizes one associate every year for exemplary service. The company also has a number of fundraising partnerships. Its Jack C. Boyle Matching Gift Program matches associate donations to qualifying non-profit organizations, and its State Auto Foundation administers a fund that donates to other 501(c)4 nonprofit organizations. Not sure if State Auto is right for you Consider these alternatives
In your research, you may also want to consider these other insurer with qualities comparable to State Auto: : Like State Auto, Farmers also offers policy packages with add-ons to give insureds the opportunity to build their own insurance plan. : American Modern also offers unique policy options for homeowners and auto insurance that might not be found with other carriers. : If price is a priority, Geico offers some of the in the nation, along with an extensive variety of discount opportunities to save even more. Homeowners insurance is also available from Geico from different underwriters. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Auto
$100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state's requirements. Our sample drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts. Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident. Homeowners
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000 Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000 Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000 Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). These are sample rates and should be used for comparative purposes only. Your quotes will differ. Compare rates and save on auto insurance today! Get quotes Close X On This Page
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