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Auto Owners vs. State Auto Insurance
Which insurance company is right for you? Compare coverage, premiums, and quotes from Auto Owners and State Auto.
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- Auto-Owners Insurance Co vs State Auto
Auto-Owners vs. State Auto: What You Need to Know
Vern V. Moulton and four of his associates founded Auto-Owners Insurance Company in a single room in the Commercial Block Building in Mount Pleasant, Michigan. The company moved to Lansing, Michigan where it still is today. In its first year, Auto-Owners Insurance had only one book of policyholders and $174.25 in total assets. In 1935, Auto-Owners extended beyond Michigan and began writing policies in Indiana. In 1951, the company opens the doors to its new four-story home in downtown Lansing and 400 associates moved in. In 1966 the company established Auto-Owners Life Insurance Company. In 1976, the company moved into its current home in Lansing. Auto-Owners Insurance celebrated its 100th anniversary. In 2017, Auto-Owners begins its affiliation with the Concord General Mutual Insurance group. Today, Auto-Owners Insurance writes policies in 26 states and has more than 4,700 employees. The company has been a member of the Fortune 500 since 2002. In 2018, Auto-Owners Insurance was listed at number 375.
In 1991, State Auto Financial Corporation formed as a public company with a focus on providing outstanding service to policyholders and agents. It is a holding company for five regional subsidiaries: State Auto Property and Casualty Insurance Company, Milbank Insurance Company, Farmers Casualty Insurance Company, State Auto Insurance Company of Ohio, and State Auto National Insurance Company.
State Auto Financial controls Stateco Financial Services, Strategic Insurance Software Inc and 518 Property Management and Leasing, LLC. State Auto Mutual Insurance Company is policyholder owned and it controls State Auto Financial.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Auto-Owners Insurance Co Overview and State Auto Overview.
Auto-Owners Insurance Co vs. State Auto: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Auto-Owners Insurance Co and State Auto. On average, Auto-Owners Insurance Co charges approximately $118.14 per month while State Auto comes in at around $265.16 per month. For Auto-Owners Insurance Co, the cheapest state average is Ohio at $74.31 per month and the most expensive is Arkansas at $184.20 per month. For State Auto, the cheapest state average is Illinois at $220.26 per month and the most expensive is Indiana at $409.04 per month.
Average Rate
Average Rate
Average Rate
| State | Auto-Owners Insurance Co | State Auto |
|---|---|---|
| Alabama | $140.38 | - |
| Arkansas | $184.20 | - |
| Colorado | $177.30 | - |
| Georgia | $110.42 | - |
| Illinois | $96.28 | $220.26 |
| Indiana | $95.26 | $409.04 |
| Kentucky | - | $222.86 |
| Michigan | $130.06 | - |
| Minnesota | $133.42 | - |
| Missouri | $144.99 | - |
| Ohio | $74.31 | - |
| Pennsylvania | $149.62 | $240.11 |
| South Carolina | $112.46 | $253.89 |
| Tennessee | $117.70 | - |
| Texas | - | $250.74 |
| Virginia | $119.65 | - |
Auto-Owners Insurance Co vs. State Auto: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Auto-Owners Insurance Co and State Auto typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Auto-Owners Insurance Co | State Auto |
|---|---|---|
| 1 Vehicle | $115.94 | $265.00 |
| 2 Vehicles | $225.25 | $270.77 |
Auto-Owners Insurance Co vs. State Auto: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Auto-Owners Insurance Co charges $113.01 per month and State Auto charges $205.96 per month for customers who own their home.
| Own/Rent | Auto-Owners Insurance Co | State Auto |
|---|---|---|
| Own | $113.01 | $205.96 |
| Rent | $118.72 | $272.30 |
What is Auto-Owners and State Auto Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Auto-Owners and State Auto ranked among the industry ratings.
| Comparison | Auto-Owners | State Auto |
|---|---|---|
| Year Founded | 1916 | 1921 |
| Market Share | 0.24% | |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| JD Power Ranking | Better Than Most | |
| NAIC Complaint Index | 0.77 | |
| S&P Rating | AA |
Auto-Owners or State Auto: Insurance Products Offered
What coverage is available through Auto-Owners and State Auto? Both insurance companies offer Auto, Commercial, Condo, Farm, Home, and Umbrella insurance. Additional products from Auto-Owners insurance also includes Health, Life, Motorcycle, Pet, Renters, and RV insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Auto-Owners Insurance Co and State Auto Insurance page.
| Insurance | Auto-Owners | State Auto |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | ✔ |
| Farm Insurance | ✔ | ✔ |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | |
| Motorcycle Insurance | ✔ | |
| Pet Insurance | ✔ | |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | |
| Umbrella Insurance | ✔ | ✔ |
Auto-Owners or State Auto: Ways To Save
State Auto offers a wide range of discounts to its policyholders, including Anti-theft Device, Driver Training, and Good Student discounts. Auto-Owners also offers a few discounts that State Auto doesn’t including Teen Driver Monitoring, Student Away at School, and Safety Features discounts. Start taking advantage of discounts offered by insurance providers like State Auto and Auto-Owners insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Auto-Owners | State Auto |
|---|---|
| Advance Quote Discount | Accident Prevention Course |
| Favorable Loss History | Anti-theft Device Discount |
| Good Student Discount | Driver Training |
| Green Discount | Good Student Discount |
| Life Multi-policy Discount | Multi-car Discount |
| Multi-car Discount | Multi-policy Discount |
| Multi-policy Discount | Paid in Full Discount |
| Paid-in-full Discount | State Auto Safety 360 |
| Payment History | State Auto Start-Up |
| Safety Features Discounts | |
| Student Away at School Discount | |
| Teen Driver Monitoring Discount |
Pros & Cons of Auto-Owners & State Auto
Pros
Auto-Owners
- Several options for discounts for teen drivers.
- Common loss deductible and multi-policy discounts allow clients to save money if they insure home and auto with Auto-Owners Insurance.
State Auto
- State Auto offers tiers of protection, which simplifies decision-making about coverages based on budget.
Cons
Auto-Owners
- Auto-Owners Insurance only serves 26 states.
- No rideshare insurance.
State Auto
- The mobile app is not for most drivers, only those who take part in the Safe Auto telematics program.
- Car insurance is only available in Alabama, Arizona, Arkansas, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, and Wisconsin.
Auto-Owners or State Auto Mobile Apps Options
The Auto-Owners Insurance mobile app is available for iOS and Android. This insurance concierge gives you access to your policy 24/7. You can pay your bills, set up and manage automatic payments and check on the status of a claim.
The State Auto telematics app is available for iOS and Android. The State Auto Safety 360 telematics program was designed to keep you safer on the road. You may even earn up to 50% on auto insurance premiums. You may even save 10% for signing up.
| Auto-Owners Mobile App | ||
|---|---|---|
| iOS | 3.3 | 34 user reviews |
| Android | 4.3 | 53 user reviews |
| State Auto Mobile App | ||
|---|---|---|
| iOS | 1.8 | 17 user reviews |
| Android | 2.3 | 25 user reviews |
Auto-Owners & State Auto Contact Info
| Auto-Owners Contact Info | |
|---|---|
| Address | 6101 Anacapri Blvd., Lansing, MI, 48917 |
| Phone | 1-517-323-1200 |
| Website | https://www.auto-owners.com/ |
| https://www.facebook.com/AutoOwnersInsurance/ | |
| https://twitter.com/AutoOwnersIns | |
| Youtube | https://www.youtube.com/user/AutoOwnersInsurance |
| https://www.linkedin.com/company/auto-owners-insurance/ | |
| State Auto Contact Info | |
|---|---|
| Address | 518 East Broad Street, Columbus, OH 43215 |
| Phone | 1 (833) 724-3577 |
| Website | https://www.stateauto.com/ |
| https://www.facebook.com/stateauto/ | |
| https://twitter.com/StateAuto | |
| https://www.linkedin.com/company/state-auto-insurance | |
Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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