Auto-Owners vs State Auto Car Insurance for 2023
In this comprehensive comparison, Auto-Owners and State Auto, two leading car insurance providers, undergo scrutiny to help you navigate the complexities of choosing the ideal coverage for your needs.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
UPDATED: Nov 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 24, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Navigating the complex world of car insurance rates involves understanding various factors such as credit score, mileage, coverage level, and driving record. Our analysis of Auto-Owners and State Auto highlights intriguing insights into how these elements influence insurance costs for diverse customer profiles. Through a comprehensive comparison, we unveil which company offers the most favorable rates tailored to individual circumstances, providing a valuable snapshot for informed decision-making.
| Factors | Auto Owners | State Auto |
|---|---|---|
| Clean Record | $87 | $75 |
| 1+ Ticket | $105 | $95 |
| 1+ Accident | $127 | $110 |
| DUI | $130 | $130 |
| Poor Credit | $150 | $129 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discounts | Auto Owners | State Auto |
|---|---|---|
| Anti Theft | 5% | 7% |
| Good Student | 10% | 9% |
| Low Mileage | 10% | 8% |
| Paperless | 7% | 6% |
| Safe Driver | 15% | 12% |
| Senior Driver | 10% | 11% |
Auto-Owners Car Insurance
Pros:
- Financial Stability: Auto-Owners has a strong financial standing as a Fortune 500 company with over a century of experience.
- Wide Range of Products: Offers various insurance products, including car, home, life, and business insurance.
- Personalized Service: Emphasizes personalized service and efficient claims handling for policyholders.
Cons:
- Limited Availability: Car insurance policies are available in 26 states, which may limit options for potential customers.
- Case Study Variation: In Case Study 1, the company had a lower rate, but in Case Study 2, it faced competition due to specific priorities.
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State Auto Car Insurance
Pros:
- Customer Service: Known for excellent customer service, as highlighted in the content.
- Multi-Product Offering: Provides a variety of insurance products, including car, home, business, and umbrella insurance.
- Broad Availability: Car insurance policies are available in 33 states, offering broader coverage options.
Cons:
- Case Study Variation: While State Auto had a higher customer satisfaction rating in Case Study 1, it faced competition in Case Study 2 based on different priorities.
- Limited Information: The content lacks specific details about State Auto’s financial stability and the number of years in the industry.
Best Overall Car Insurance: Auto-Owners
When comparing Auto-Owners and State Auto for car insurance, Auto-Owners emerges as the preferred choice based on a comprehensive assessment of coverage, rates, and customer satisfaction.
Financial Stability: Auto-Owners, being a Fortune 500 company with over a century of experience, demonstrates robust financial stability, instilling confidence in its policyholders.
Coverage Variety: Auto-Owners offers a diverse range of insurance products, including car, home, life, and business insurance, providing customers with comprehensive coverage options.
Personalized Service: Auto-Owners emphasizes personalized service and efficient claims handling, reflecting a commitment to customer satisfaction.
Competitive Rates: While specific cost details are contingent on individual circumstances, both Auto-Owners and State Auto offer competitive rates. Auto-Owners, however, stands out for its reputation in claims handling and financial stability, potentially providing better overall value.
Case Study Insights: In the case studies presented, Auto-Owners demonstrated favorable outcomes. In Case Study 1, it offered comprehensive coverage at a slightly lower rate, and in Case Study 2, it was chosen for superior claims handling.
Availability: Auto-Owners’ car insurance policies are available in 26 states, providing a substantial coverage footprint.
While State Auto excels in customer service and has a broader state presence, Auto-Owners’ strengths in financial stability, coverage variety, and personalized service contribute to its selection as the best overall car insurance provider.
Auto-Owners Insurance
Auto-Owners Insurance, founded in 1916 by Vern V. Moulton in Michigan, initially operated as a property and casualty insurer. Over its more than 100-year history, the company has evolved into a Fortune 500 entity, boasting over 6,500 employees.
Auto-Owners prides itself on financial stability and personalized service, becoming a prominent player in the insurance industry. The company’s mission is to provide quality insurance products and services to policyholders while ensuring sustained growth and stability for shareholders.
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State Auto
Established in 1921 by Robert Pein, State Auto began as a property and casualty insurer with a core belief in treating customers with respect and honesty. Originating from a commitment to offering peace of mind and protection, the company has expanded its offerings to include a variety of insurance products.
State Auto operates with a mission to provide superior service, not only to its customers but also to its agents and employees. The company emphasizes support for the communities in which it operates, embodying a customer-centric approach to insurance services.
Products and Services
Auto-Owners offers a variety of insurance products, including car insurance, home insurance, life insurance, and business insurance. Its car insurance policies cover liability, collision, comprehensive, and uninsured/underinsured motorist coverage. The company also offers optional coverages, such as roadside assistance, rental reimbursement, and loan/lease gap coverage.
Auto-Owners car insurance policies are available in 26 states, including Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin.
State Auto offers a wide range of insurance products, including car insurance, home insurance, business insurance, and umbrella insurance. Its car insurance policies cover liability, collision, comprehensive, and uninsured/underinsured motorist coverage. The company also offers optional coverages, such as roadside assistance, rental reimbursement, and loan/lease gap coverage.
State Auto car insurance policies are available in 33 states, including Alabama, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Jersey, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, West Virginia, and Wisconsin.
Costs
When it comes to car insurance, the cost is a significant factor for many people. The cost of car insurance varies depending on several factors, such as the type of car you drive, your driving history, and your location. Therefore, it is difficult to compare the cost of car insurance between two companies without knowing your specific situation. However, both Auto-Owners and State Auto offer competitive rates, and you can get a quote online or by contacting an agent.
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Discounts Available for Customers
Both Auto-Owners and State Auto offer discounts to their customers to help them save money on car insurance premiums. Here are some of the discounts available:
Auto-Owners:
- Multi-policy discount: If you have multiple policies with Auto-Owners, such as car insurance and home insurance, you can qualify for a discount on your premiums.
- Safe driver discount: If you have a clean driving record and have not had any accidents or traffic violations in the past few years, you may qualify for a safe driver discount.
- Good student discount: If you are a student who maintains good grades, you may qualify for a good student discount.
State Auto:
- Multi-policy discount: If you have multiple policies with State Auto, such as car insurance and home insurance, you can qualify for a discount on your premiums.
- Safe driver discount: If you have a clean driving record and have not had any accidents or traffic violations in the past few years, you may qualify for a safe driver discount.
- Pay-in-full discount: If you pay your premium in full at the start of your policy term, you can qualify for a discount on your premiums.
Case Studies: Comparing Auto-Owners and State Auto Car Insurance
Case Study 1: John’s Car Insurance Dilemma
John, a resident of Illinois, recently purchased a new car and was in search of reliable car insurance coverage. He compared quotes from Auto-Owners and State Auto to make an informed decision. After reviewing the coverage options, John found that Auto-Owners offered comprehensive coverage at a slightly lower rate compared to State Auto.
However, State Auto had a higher customer satisfaction rating based on online reviews. Considering his budget and the importance of customer satisfaction, John decided to go with State Auto.
Case Study 2: Sarah’s Home and Auto Insurance Bundle
Sarah, a homeowner in Michigan, was looking for an insurance bundle that could cover both her home and car. She wanted to simplify her insurance needs and potentially save money with a multi-policy discount. Upon comparing Auto-Owners and State Auto, Sarah found that both companies offered competitive rates for bundled home and auto insurance.
However, Auto-Owners had a reputation for excellent claims handling, while State Auto had a user-friendly online platform. Based on her priorities, Sarah decided to choose Auto-Owners for the superior claims handling, even though State Auto had a more convenient online experience.
Case Study 3: Mark’s Safe Driver Discount
Mark, a safe driver with a clean record from Ohio, wanted to take advantage of safe driver discounts offered by insurance companies. He requested quotes from Auto-Owners and State Auto to see which company provided the best discount. After comparing the quotes, Mark found that both Auto-Owners and State Auto offered safe driver discounts.
However, State Auto had more flexible eligibility criteria, considering a longer accident-free period. Mark qualified for the safe driver discount with State Auto and decided to choose them as his car insurance provider.
Seamless Claims Process With Auto-Owners vs. State Auto
Ease of Filing a Claim
Both Auto-Owners and State Auto car insurance companies offer multiple methods for policyholders to file claims, making it convenient for customers to report incidents. Policyholders can choose from online claim filing, phone support, and mobile app submissions. This flexibility allows customers to use the method that suits their preferences and needs best.
Average Claim Processing Time
Understanding the average claim processing time is crucial when selecting a car insurance provider. While the specific processing time may vary depending on the complexity of the claim, both Auto-Owners and State Auto are known for their efficient claims handling. However, it’s essential to check with the respective companies for the most up-to-date information on claim processing times.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is a valuable resource for assessing a car insurance company’s performance in resolving claims and providing payouts. Both Auto-Owners and State Auto have garnered reviews and ratings from their policyholders.
To make an informed decision, prospective customers can explore these reviews to understand how each company handles claims and whether policyholders are satisfied with the resolution and payout processes.
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Unveiling Digital and Technological Features of Auto-Owners vs. State Auto
Mobile App Features and Functionality
In the digital age, having a user-friendly and feature-rich mobile app can enhance the overall insurance experience. Auto-Owners and State Auto offer mobile apps that allow policyholders to access their insurance information, file claims, make payments, and even request roadside assistance directly from their smartphones.
Evaluating the functionality and ease of use of these apps is crucial for customers who prefer managing their policies digitally.
Online Account Management Capabilities
Online account management capabilities provide policyholders with the convenience of accessing their policy details, making payments, and updating information through web portals. Auto-Owners and State Auto offer online account management options to their customers.
Customers can assess the user interface, account features, and ease of navigation to determine which company aligns with their online account management preferences.
Digital Tools and Resources
Beyond mobile apps and online account management, both Auto-Owners and State Auto may offer additional digital tools and resources to assist policyholders. These could include educational resources, premium calculators, safety tips, and more. Exploring the availability and utility of these digital tools can help customers make an informed decision regarding their car insurance provider.
Customer Reviews
Customer reviews can be helpful when deciding which car insurance company to choose. Here is a summary of customer reviews of Auto-Owners and State Auto on popular review websites:
Auto-Owners:
- J.D. Power: Auto-Owners received a rating of 879 out of 1,000 in the 2021 U.S. Auto Insurance Study, which measures customer satisfaction.
- Better Business Bureau: Auto-Owners has an A+ rating with the BBB and has received mostly positive customer reviews.
State Auto:
- J.D. Power: State Auto received a rating of 870 out of 1,000 in the 2021 U.S. Auto Insurance Study, which measures customer satisfaction.
- Better Business Bureau: State Auto has an A+ rating with the BBB and has received mostly positive customer reviews.
Frequently Asked Questions
Can I get a quote online for Auto-Owners and State Auto car insurance?
Yes, both companies offer online quotes. Visit their respective websites or contact an agent for a quote.
Do Auto-Owners and State Auto offer roadside assistance?
Yes, both companies offer roadside assistance as an optional coverage.
How can I qualify for a safe driver discount with Auto-Owners and State Auto?
To qualify for a safe driver discount, you need to have a clean driving record with no accidents or traffic violations in the past few years.
In how many states are Auto-Owners and State Auto car insurance policies available?
Auto-Owners car insurance policies are available in 26 states, while State Auto car insurance policies are available in 33 states. Refer to their websites for a complete list of states.
Can I bundle my car insurance with home insurance for a discount with Auto-Owners and State Auto?
Yes, both companies offer a multi-policy discount if you have multiple policies with them, such as car insurance and home insurance.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.