State Auto Insurance

The State Automobile Mutual Insurance Company (NASDAQ: STFC) was founded in 1921 by Robert Pein in response to Pein’s frustration with the current insurance market and claims handling as he saw it. Corporate headquarters remain in Columbus, where the company was founded, while regional headquarters are located in Austin TX, Baltimore MD, Columbus OH, Indianapolis IN and Nashville TN.

State Auto began by writing automobile insurance policies only. It did very well in Ohio, even though the state did not pass financial responsibility laws making insurance mandatory until 1935. By the mid-1930’s, the insurance company had expanded into other states and was offering homeowners and general liability coverages. It expanded into full-coverage policies for bicycles to help it get through World War II remaining financially sound. The company went public in 1991.

The company only utilizes independent insurance agents (more than 23000 of them) to sell their policies. Its insurance products include automobile, boat, farm, home and business. As relates to our website, we focused on the automobile policy. State Auto offers the typical coverages, as well as an attractive Auto Replacement Cost Coverage. This particular coverage will give the policy holder the replacement cost of their vehicle if it is determined to be a total loss or an un-recovered theft. This should often be more than actual cash value as vehicles depreciate so quickly.

In the event of an accident or loss, policyholders may report a claim 24/7 either by telephone or via the company website. The company website,, is user friendly and very informational. However, for premium quotes or to purchase a policy, a potential customer must contact an independent agent. One may be located via the company’s website tools.

The whole insurance group consists of: Beacon Lloyds, Beacon National, Farmers Casualty, Litchfield Mutual Fire, Meridian Security, Meridian Citizens Mutual, Patrons Mutual, State Auto Florida, State Automobile Mutual, State Auto National, State Auto Ohio, State Auto Property & Casualty, and State Auto Wisconsin.

The Group is currently rated A (excellent) by the A.M. Best Company, the leading global independent insurance industry auditor. It is one of the few insurance U.S. insurance companies to consistently maintain this ranking since Best began ranking companies in 1951. In 2006, Forbes named State Auto Financial the “Best Managed Insurance Company in America”.

This company is a civic-minded. Employees are granted a paid volunteer day. The company had a matching donation plan through the United Way, as well as the Jack C. Boyle Matching Gift Program (named after a late retiree from the company).

If you are shopping for an automobile insurance policy, and live within this insurance company's market area, it is worth your time to ask for a quote. The company offers many different insurance policy discounts for everything from safe driver and safety device discounts, as well as multi-vehicle discounts. Quotes are free and you could be pleasantly surprised by what you find.

If you have ever worked for State Auto Insurance, or owned a policy with them, we would love to hear from you. What did you think about the company? What did you like, or think they could improve upon? How was their customer service? Please share your insights or personal story with the rest of our insurance community. Just fill out the web-form below to get started. Thank you.

This article is written for informational purposes and is not intended to take the place of competent local legal counsel. The writer is not affiliated with this insurance company or any of its subsidiaries in any way.

Read our other insurance company reviews.

Other articles that may appeal to you:

Why Bother With Buying Automobile Insurance?

The Insurance Company Claims Process Explained

Perferred Body Shop Programs

What to do When You Have Been in an Accident

An Explanation of the Differences Between First Party and Third Party Insurance Claims

Uninsured Motorist and Underinsured Motorist Coverages Explained

An Explanation of the Personal Umbrella Policy (PUP)

GAP Coverage Explained

We welcome your comments and reviews.

Do you have information or an opinion to share about your insurance company? Please share it. Let our readers know what you do or do not like about your automobile insurance carrier. It may be a comment about a specific policy coverage or the way your claim was handled. We appreciate your input.

from State Auto to Insurance Claims Help For You