Auto Insurance Comparison
State Auto vs Foremost
Side-by-side comparison of State Auto vs Foremost auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
State Auto edges ahead Foremost 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.
| State Auto | Foremost | |
|---|---|---|
| Overall score | 3.75 /5 ★★★★★ Highest overall | 3.65 /5 ★★★★★ |
| Best for | State Auto Insurance is now part of Liberty Mutual (acquired 2022) but continues to operate under the State Auto brand through independent agents | Foremost Insurance is Farmers' specialty arm, originally known for manufactured-home insurance and now writing non-standard auto, RV, motorcycle, and seasonal-property coverage |
| Read full review | State Auto review → | Foremost review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | State Auto | Foremost |
|---|---|---|
| Customer experience | 3.80 | 3.60 |
| Coverage breadth | 3.90 | 3.80 |
| Affordability | 3.50 | 3.50 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
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
Foremost
Full review →Pros
- Strong specialty positioning for manufactured homes, RVs, and motorcycles
- Backed by Farmers financial strength
- Accepts non-standard auto risk
- Available across all 50 states for at least some lines
Cons
- Not a fit for standard-risk auto shoppers
- Customer satisfaction trends mid-pack
- Best for specialty lines, not mainstream auto
Coverage at a glance
What each carrier offers in standard policies.
State Auto
Foremost
The bottom line
State 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 reviewForemost
Foremost makes sense for specialty needs — manufactured-home, RV, motorcycle — or non-standard auto. For mainstream auto coverage, look at GEICO, Progressive, or Farmers' main book.
Read the full Foremost 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.