State Auto Car Insurance Review (2025)
State Auto doesn’t sell new policies anymore, following its acquisition by Liberty Mutual.
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Prior to the acquisition of State Auto Group by Liberty Mutual, State Auto sold personal and commercial lines of insurance in 33 states through independent insurance agents. As part of the merger, more than 2,000 employees from State Auto transitioned to working under Liberty Mutual’s Global Retail Markets business unit in the U.S.[?]
State Auto has since stopped writing new personal policies, leaving the personal lines insurance market. State Auto members who maintained coverage became members of Liberty Mutual insurance companies, including Safeco. If you’re looking for coverage, you should always compare quotes from multiple auto insurance companies before buying a new car insurance policy.
State Auto Update
Liberty Mutual completed its acquisition of State Auto Insurance Companies in March 2022 through a cash deal of around $1 billion. More than 2,000 State Auto employees joined Liberty Mutual’s Global Retail Markets U.S. business unit. Through the acquisition, Liberty Mutual acquired $2.3 billion in premiums and became the second-largest insurance company operating in the independent agent space.[?]
Alternatives to State Auto insurance
Though you can’t take out a new policy with State Auto, you have plenty of options in the insurance industry to choose from. When shopping for insurance products, you should always compare each company’s quotes, coverage options, customer service availability, financial strength, customer satisfaction rankings, and online customer reviews.
Start your search below with three of the best auto insurance companies in the U.S. — all of which are great alternatives to State Auto and offer competitive rates.
Best insurer for coverage options: Liberty Mutual
Best insurer for telematics: State Farm
Best insurer for discounts: GEICO
How Liberty Mutual auto insurance works
Similar to other auto insurers, Liberty Mutual operates by charging policyholders a monthly premium for coverage. If your car needs repairs or replacement following an accident, the company will take care of covered costs once you’ve paid your deductible.
Liberty Mutual and other car insurance companies assess risk based on various rating factors. Common factors include age, gender, motor vehicle record, claims history, credit history, occupation, vehicle make and model, and miles driven per year. Higher-risk drivers pay more than lower-risk drivers.
Liberty Mutual auto insurance coverage
Liberty Mutual offers different types of coverage and allows you to customize your auto policy from a variety of coverage options so you only pay for what you use.[?]
Liberty Mutual car insurance cost by state
Influenced by a number of area-based factors, auto insurance premiums vary by state. For example, the numbers of car break-ins, accidents, and crimes in a ZIP code factor into insurance costs, as well as an area’s weather, population density, and road conditions.
Find average monthly quotes for full-coverage and liability-only insurance from Liberty Mutual in the most populated states where the company operates.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
State  | Full Coverage | Liability Only |
|---|---|---|
| North Carolina | $121 | $65 |
| Ohio | $172 | $117 |
| Pennsylvania | $176 | $159 |
| Tennessee | $203 | $121 |
| Virginia | $219 | $165 |
| Illinois | $221 | $146 |
| Arizona | $222 | $184 |
| Washington | $237 | $215 |
| New York | $332 | $90 |
| Texas | $341 | $263 |
| Florida | $398 | $387 |
| Georgia | $428 | $395 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
State Auto FAQs
State Auto isn’t an option for personal auto insurance anymore, which means you’ll need to find coverage elsewhere. The following information can help answer your remaining questions about State Auto.
Does Liberty Mutual own State Auto?
Yes. Liberty Mutual acquired State Auto in 2022 during a mutual agreement and merger.
Does State Auto write in Texas?
State Auto no longer underwrites any personal lines coverage. But Liberty Mutual, the company that acquired State Auto, does write policies in Texas. Liberty Mutual sells a number of insurance products, including auto, home, renters, and life insurance.
Who owns the State Automobile Mutual Insurance Company?
Liberty Mutual owns State Auto. The company acquired State Auto in 2022.
Does State Auto write in Florida?
No. State Auto doesn’t sell new personal insurance policies anymore. But its parent company, Liberty Mutual, does sell insurance in Florida. If you’re looking for new coverage, you should compare quotes from multiple insurance companies selling services. You’ll need to enter your ZIP code and other personal information to receive quotes.
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