Auto Insurance Comparison
Pekin vs State Auto
Side-by-side comparison of Pekin vs State Auto auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Pekin 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.
| Pekin | State Auto | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.75 /5 ★★★★★ |
| Best for | Pekin Insurance is an Illinois-headquartered mutual with a five-state Midwest footprint | 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 | Pekin review → | State Auto review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Pekin | State Auto |
|---|---|---|
| Customer experience | 4.00 | 3.80 |
| Coverage breadth | 3.80 | 3.90 |
| Affordability | 3.70 | 3.50 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Pekin
Full review →Pros
- Mutual structure — policyholder-aligned ownership
- Strong Illinois market presence with deep state-specific expertise
- Multi-line bundling discounts when combined with home or life
- Solid customer satisfaction in operating states
Cons
- Only available in IL, IN, IA, OH, and WI
- No online quoting — every policy through an agent
- Pricing is mid-market, not a budget choice
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.
Pekin
State Auto
The bottom line
Pekin
Pekin is a fine regional choice in its five operating states, particularly Illinois. Outside that footprint, it isn't an option.
Read the full Pekin 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.