Auto Insurance Comparison
American Family vs State Auto
Side-by-side comparison of American Family vs State Auto auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
American Family edges ahead State Auto in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| American Family | State Auto | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.75 /5 ★★★★★ |
| Best for | American Family is a Midwest-rooted mutual carrier that ranks consistently well on customer satisfaction and offers a usage-based program with real teeth | State Auto Insurance is now part of Liberty Mutual (acquired 2022) but continues to operate under the State Auto brand through independent agents |
| Read full review | American Family review → | State Auto review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | American Family | State Auto |
|---|---|---|
| Customer experience | 4.00 | 3.80 |
| Coverage breadth | 4.10 | 3.90 |
| Affordability | 3.50 | 3.50 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
American Family
Full review →Pros
- American Family provides a variety of savings on vehicle insurance coverage.
- The firm also offers numerous other types of insurance, which may be combined to save money.
- American Family's mobile app is simple to use and includes features like tracking claim progress, scheduling payments, and calling roadside help.
Cons
- Because American Family does not offer a comprehensive list of extra coverage enhancements or endorsements for vehicle policies, customers with more sophisticated insurance needs should continue their research.
- While homeowners rated American Family vehicle insurance positively, renters rated this provider below average in our Customer Satisfaction Survey.
State Auto
Full review →Pros
- Now backed by Liberty Mutual financial strength
- Independent agent distribution with shop-around flexibility
- Multi-line bundling discounts
- Solid customer satisfaction in operating states
Cons
- Geographic concentration in Midwest and Southeast
- Recent acquisition means brand and service evolution still underway
- Mid-market pricing, not a budget option
Coverage at a glance
What each carrier offers in standard policies.
American Family
State Auto
The bottom line
American Family
American Family is a solid pick in the Midwest and Western states where it operates. If you're outside its footprint or shopping purely on rate, broader carriers will usually price more aggressively.
Read the full American Family reviewState Auto
State Auto is a fine regional choice in the Midwest and Southeast through an independent agent. The Liberty Mutual acquisition adds financial strength but the long-term brand identity is still settling.
Read the full State Auto reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.