State National Auto Insurance Review (2022)
State National Insurance Company is located in Texas but provides multiple types of insurance policies in all 50 states. Average collision coverage rates are $150.36/year. To find the best auto insurance rates in your area, compare affordable car insurance quotes from top companies. To begin, enter your ZIP code now.
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UPDATED: Jun 29, 2022
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- State National Insurance is part of the State National Companies group
- State National Insurance provides a variety of property and casualty insurance products
- State National has an A (Excellent) rating from A.M. Best and provides multiple employee benefits
Who is the State National Insurance Company? Most of the time, searching for different types of auto insurance coverage would mean hours of research, long phone calls, and hours of internet searches. Imagine, instead, if you had all the information you needed in one easy guide.
This State National auto insurance review will give you all the information you need about the company from its large size and vision to the nationwide reach of the company. If you have questions like what is the highest rated insurance company, you’re in the right place. Keep reading.
In 2017, State National Insurance Company was purchased by the Markel Corporation. State National Insurance continues to operate on an independent basis while the Markel Corporation focuses on global insurance, reinsurance, and investments. State National Insurance Company is MPN approved (Medical Provider Network).
Looking for cheap auto insurance quotes or hoping to find State National auto insurance quotes? Before beginning this State National car insurance review, just enter your ZIP code to see multiple options from top auto insurance companies for free right now.
State National Insurance Company Auto Insurance Rates
While the price isn’t always the deciding factor when it comes to choosing an auto insurance policy, it is usually one of the most important. Customer satisfaction is another thing that drivers look for when choosing auto insurance.
You can take a look at the table below to get an idea of what you might pay for auto insurance depending on how much coverage you decide to buy. What is the highest rated auto insurance company? The table shows average annual rates based on coverage levels.
|Coverage Types||Average Annual Auto Insurance Rates||Average Monthly Auto Insurance Rates|
|Total Full Coverage Cost||$954.99||$79.58|
It is important to keep in mind that these are just guidelines. Actual rates will depend on a variety of factors such as age, driving history, ZIP code, etc.
What is State National Insurance Company availability by state?
State National is affiliated with the State National Companies group and has multi-line licensing for all 50 states in the country and the District of Columbia. The State National Insurance Company has been providing auto insurance coverage and auto damage liability services to people all over the country for years now.
They act as a policy issuing program carrier for producers across the nation.
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State National Insurance Company Auto Insurance Coverages Offered
One of the first things you will need to do when purchasing your auto insurance policy is to decide how much coverage you need. If you are financing your vehicle, your loan company may require you to carry full coverage insurance. Otherwise, you will need at least the minimum amount of liability insurance required by your state of residence.
The table below shows some of the different types of policies and coverage available to you, along with what they do.
|Auto Coverage Type||Purpose of Coverage|
|Bodily injury liability||Part of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident|
|Collision||Covers damage to your car after an automobile accident|
|Comprehensive||Covers damage to your car that happens when you're not driving|
|Personal injury protection||Covers medical expenses for you or your passengers after an automobile accident|
|Property damage liability||The other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident|
|Uninsured/underinsured motorist||Covers the costs if you're in an automobile accident caused by a driver with little or no car insurance|
Keep scrolling to learn more about the auto insurance options available to you.
What are State National Insurance Company’s bundling options?
Many auto insurance providers offer different bundling options. Bundling your insurance refers to purchasing multiple policies from the same company. For example, you can purchase your auto insurance policy as well as your life insurance from the same company, if you choose. Most insurance companies offer a discount of anywhere from 5 percent to 25 percent if you choose to bundle.
Check out the video below to learn about the pros and cons of bundling your insurance policies.
Many companies offer multi-car discounts, also. You can think of this as a way of bundling, as well, but in this case, you are buying auto insurance for multiple vehicles. Auto insurance companies offer up to a 25 percent multi-car discount on combined policies.
What are discounts offered by State National Insurance Company?
Generally, your discount options through the company depend on what each provider has to offer, but many discounts are standard throughout the industry. The table below shows some of the most common car insurance discounts available, an estimate of how much money each can save you, as well as the major auto insurance companies that offer the discount.
|Discounts Offered||Average Percentage|
|Auto Insurance Companies Offering
|Low mileage/Low usage discount||Up to 20%||State Farm, Allstate, Travelers, Nationwide, Progressive|
|Defensive driving discount||10%–15%||State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Farmers|
|Safe driver discount||10%||State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual|
|Military and federal employee discount||8%–15%||GEICO, Esurance, USAA|
|Good student discount||5%–25%||State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual|
|Senior/Mature driver discount||5%–10%||GEICO, Allstate, Liberty Mutual|
|Homeowner discount||3%||State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Farmers|
As you can see, it is always a good idea to check with your insurance provider to see what types of discounts you may qualify for as they can save you a lot of money on your auto insurance.
What programs are available from State National Insurance Company?
State National Insurance Company Inc. is a fire and casualty company that provides property and casualty insurance. Many ask, is auto insurance property and casualty insurance? Accidental death benefits can be added to your auto insurance plan in case of a death caused by injury in an accident.
State National also provides a variety of other insurance policies. You can take a look at the table below to look at some of them and see what type of benefits each provides.
|Coverage Category||Type of Coverage||Coverage Details|
|Specialty Property Insurance||Excess and surplus property insurance||Provides coverage for hard to place risks not eligible for traditional homeowners coverage.|
|Specialty Property Insurance||Multi-family housing insurance||Provides easy-to-implement, customized solutions for the multi-family housing industry.|
|Specialty Property Insurance||Manufactured home insurance||Whether owner-occupied or vacant, this company can provide manufactured homeowners with specialized coverage at an affordable price.|
|Specialty Property Insurance||Dwelling fire insurance||Provides coverage for owner occupied, rental, seasonal homes and vacant properties.|
|Marine Insurance||Yacht insurance||For over 30 years, Markel Personal Lines has been the yacht insurance leader by providing coverages that fit almost any boat and lifestyle.|
|Marine Insurance||Small boat insurance||Specialized coverage designed specifically for boats 32 feet or less. PWCs, pontoon boats, fishing boats, ski or power boats - they have it covered.|
|Marine Insurance||High performance boat insurance||This company has covered more go-fast boats (speeds 65 to 120 mph) than any other marine insurance company on the water.|
|Marine Insurance||Marine tradesman insurance||Coverage designed to protect marine-based businesses such as boat schools, rental operations, charter boats, and more.|
|Powersports Insurance||Motorcycle insurance||Protecting almost all motorcycle types, for over 40 years.|
|Powersports Insurance||ATV insurance||Specialized protection to meet the unique hazards that ATV owners face.|
|Powersports Insurance||Snowmobile insurance||Customizable protection to fit any riding style.|
|Wedding & Event Insurance||Wedding liability insurance||Helps protect wedding hosts if someone is injured or property is damaged resulting from activities at their wedding ceremony, reception, and rehearsal dinner. Coverage includes 24 hours before and after wedding for setup and take down.|
|Wedding & Event Insurance||Wedding cancellation insurance||Helps pay for lost deposits if the wedding needs to be cancelled or postponed due to weather, illness, vendor bankruptcy, military deployment, and more. Also includes coverage for things like lost or damaged photography, missing rings, damage to wedding attire and more.|
|Wedding & Event Insurance||Event liability insurance||Helps protect event hosts if there is damage or an injury at their special event.|
|Wedding & Event Insurance||Event cancellation insurance||Helps pay for lost deposits if an event is cancelled or postponed in the event of weather, illness, vendor bankruptcy, and more.|
|Other Personal Lines Insurance||Bicycle insurance||Comprehensive protection options for high valued bicycles.|
|Other Personal Lines Insurance||Classic car insurance||Customized insurance protection for automotive enthusiasts and collectors.|
Consumers have access to many different insurance products as the company is licensed to write a whole list of property and casualty insurance.
State National Insurance offers everything from accident insurance to auto liability insurance and auto physical damage insurance.
They cover employers’ liability insurance, workers’ compensation, fidelity and surety, fire, and even rain insurance. The company also writes reinsurance in all lines, as well as health insurance.
State National fire insurance and State National collateral protection insurance (CPI) are also available through the National Specialty Insurance Company. State National is one of the most all-inclusive insurance companies within Texas.
Canceling Your State National Insurance Company Auto Insurance Policy
State National Insurance understands that there are many reasons people need to cancel their auto insurance policy. For this reason, they make it fairly simple to cancel your auto insurance policy should you need to do so.
Watch the video below to get an idea of what to expect when canceling your car insurance policy.
Next, insurance reviews will tell you more about policy cancellations and filing claims.
Is there a cancellation fee?
State National Insurance Company does not charge a cancellation fee if you need to cancel your policy.
Is there a refund?
Whether you can get a refund on your policy depends on the type of policy and when you choose to cancel. If you choose to cancel a refundable policy in the middle of the policy cycle, you will receive roughly half of what you paid, assuming that you only paid for that cycle.
Since refund amounts may vary and depend on a variety of factors, it is always best to check with your insurance agent to see what factors apply to you.
How do you cancel?
What should you do if you need to cancel your policy? You can cancel your policy at any time simply by contacting your auto insurance agent and letting them know you’d like to cancel your policy. Your agent will let you know when the changes will take effect and whether or not you are entitled to a refund of any policy premiums you have paid in.
How to Make a State National Insurance Company Auto Insurance Claim
Knowing how to file an insurance claim is important. While there are a few ways to make an auto insurance claim, the best way is to get in touch with your carrier directly.
Watch the video below to get an idea of what you can expect during the claims process.
Since State National Insurance Company acts as your insurance carrier, you can simply get in touch with them on their toll-free number or send them a detailed email.
It is important for your insurance carrier to have all the necessary information in place as soon as possible to put your auto insurance claim on the fast track.
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State National Insurance Company: Auto Insurance Ratings
As mentioned earlier, the State National Insurance Company was purchased by the Markel Corporation in 2017. You can take a look at the video below to get an idea of the culture of this company.
State National Insurance Company was first eligible to receive an A.M. Best rating in 1993 and have achieved an “A” rating ever since. Their “A” rating from A.M. Best ensures a high level of service, expansive authority, and exceptional communication and support standards.
Is State National Insurance Company admitted? Yes, they are an admitted carrier. State National Insurance Company is not accredited with the Better Business Bureau (BBB), but they do have an A+ rating with the BBB.
There are plenty of individual customer reviews for State National Insurance Company, though reviews directed particularly to their auto insurance branch are not readily available. Markel Corporation reviews are also available online.
The accessibility and availability of the top echelon and management committees have been applauded in these reviews, as well as their competitive pricing and long tenure.
The Bottom Line
Things look good for State National. State National Insurance Company Inc bond claims are now an option.
Now that you know all that you need to about purchasing your auto insurance policy from State National Insurance Company, we hope that you will feel more confident in purchasing your policy.
You should always compare the price you’re quoted to other companies, like the Tokio State National Insurance company, to make sure you’re getting the best rate.
Looking to buy State National auto insurance or hoping to find great rates from other providers? Now that you’ve finished this State National auto insurance review, enter your ZIP code below and start comparing FREE car insurance quotes now.
Frequently Asked Questions: State National Auto Insurance Review
In this section, we answer some of the most commonly asked questions about State National Insurance Company’s auto insurance policies. Some of the answers may have been covered in part or in full in the guide above, but if there’s something else you want to know, take a look below to see if your question has been addressed.
#1 – How do I get a quote from State National Insurance Company?
There are many ways of obtaining an affordable State National Insurance Company quote.
- You can simply call them at their toll-free number
- You can send them an email
- You can also visit their website which offers a paperless online form to get a quote
The electronic form is fairly simple and basic. Once they receive the information, their agents will get back in touch with you.
The auto insurance agent might have a few more detail-oriented questions for you as the form is fairly general.
Since State National Insurance provides a wide list of insurance services under fire, marine, and casualty insurance, you will be able to get quotes and other information for any of these insurances. You will then be contacted by the respective insurance agent as soon as the quote is ready.
#2 – What do State National Insurance Company employees have to say?
State National Insurance is a nationwide company and has many job opportunities. They have listed these opening on their website. State National Insurance Company offers a list of employee benefits including healthcare plans, dental health plans, 401(k), and other additional benefits.
Based on reviews by current employees, it seems to be a place where talent is recognized and merit is rewarded.
#3 – Why would my provider cancel my auto insurance policy?
Your auto insurance provider may cancel your policy if you do any of the following:
- Fail to pay your auto insurance premium
- Have your driver’s license suspended or revoked
- Lie during the application process
Also, if you’re found to be a high-risk driver, your auto insurance company may choose not to renew your policy.
#4 – What does fronting mean in insurance?
State National Insurance Company has been a leading provider of fronting solutions for nearly 30 years.
What does this mean? Fronting in insurance is when a company uses a licensed admitted insurer to issue insurance policies on behalf of a self-insured company or captive insurer without the intention of transferring risk.
Fronting is about risk management.
A fronting policy allows the insurer to underwrite a policy to cover a specific risk and then transfer that risk to a reinsurer such as State National Insurance Company.
Fronting is a complicated process. The State National Insurance Company website has a video that does a very good job of explaining the process in detail using layman’s terms.
#5 – How does adding drivers to my auto insurance policy affect my rates?
Adding another driver to your auto insurance policy means your car will be spending more time on the road, as multiple people will be driving it. That alone is enough to raise your rates, but adding someone else to your auto insurance policy also means your rates will be affected by that driver’s perceived risk, as well.
For example, adding a teenager to your policy can raise your auto insurance rates drastically since teenage drivers are inexperienced and auto insurance companies see them as high-risk drivers, whereas adding your spouse might not raise your rates quite as much.
There are restrictions as to who you can add to your auto insurance policy. Most companies will only allow you to add people in the same household to your policy.
Always talk to your insurance provider about adding new drivers, as a claim filed involving a driver that isn’t on your policy will be denied.
#6 – Is State Auto a good insurance company?
Like any insurance company, State Auto has its pros and cons. Read our State Auto insurance review for more information.