State National Auto Insurance Review (2023)
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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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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UPDATED: Sep 24, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 24, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
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State National Insurance Company
Average monthly rate for good drivers:
$80A.M. Best rating:
AComplaint level:
LowPros
- State National has an A (Excellent) rating from A.M. Best and provides multiple employee benefits
- Has multi-line licensing for all 50 states in the country and the District of Columbia
Cons
- State National Insurance Company is not accredited by the Better Business Bureau (BBB), but they do have an A+ rating with the BBB
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.
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).
State National 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 |
|---|---|---|
| Comprehensive coverage | $150.36 | $12.53 |
| Collision coverage | $299.73 | $24.97 |
| Liability coverage | $516.39 | $43.03 |
| Total Full Coverage Cost | $954.99 | $79.58 |
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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.
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State National Discounts Available
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 of Savings | Auto Insurance Companies Offering Discounts |
|---|---|---|
| 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 |
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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.
State National Coverage Options
One of the first things you will need to do when purchasing your auto insurance policy is to decide how much coverage you need.
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 |
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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.
State National vs. Competitors
State National Insurance Company was first eligible to receive an A.M. Best rating in 1993 and has 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 by 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.
Frequently Asked Questions
#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 openings 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.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
|
Written by
Rachel Bodine |
|
Reviewed by
Daniel Walker
|
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