Drive Away Knowing You’re Protected

Our auto products give you coverage choices that fit your lifestyle — whether you’re hitting the road every day or just taking occasional trips.

Our coverage levels can be combined with optional coverages to further elevate your peace of mind. Talk to your independent insurance agent to make sure your policy covers those “what-if” moments.

What’s Covered?

We offer these important coverages:

Liability Covers your liability to others for bodily injury or property damage for which you are legally at fault.

Medical Payments/Personal Injury Protection Pays medical bills for you and others, including doctor, hospital and surgical expenses, without regard to negligence.

Uninsured/Underinsured Motorists Pays for bodily injury resulting from a hit-and-run driver, a driver with no insurance or a driver who is inadequately insured.

Collision For damage to your auto resulting from an accident.

Other than Collision For damage to your auto caused by a range of elements (a.k.a. perils) other than impact with another vehicle or object (examples: theft, vandalism, hail storm).



Choose Your Level of Insurance Protection

In order to ensure your coverage meets your needs, we have three options available for you.

Customizable auto protection




Customizable coverage — only get the auto coverage you need — you can even add Roadside Assistance.


Learn More

Protection Plus
Basic auto protection plus a few extras


AutoXtended® Plus


Get expanded key coverages, such as:

Accident Forgiveness & Minor Violation Coverage

Ability to add Full Safety Glass Coverage

$500 Cell Phone Coverage

$10,000 Emergency Ambulance Coverage

$250 Locksmith/Key Replacement

$500 Pet Coverage

Rented Vehicle Coverage

Waived Other than Collision (OTC), UMPD, and Collision Deductibles

AutoXtended® Endorsement Is Automatically Included


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AutoXtended® Premier
Expanded high-limit auto protection


AutoXtended® Premier


When you need expanded, high-limit protection, including:

Everything included in AutoXtended Plus, plus increased limits on additional coverages:

$1,000 Cell Phone Coverage

$25,000 Emergency Ambulance

$500 Locksmith/Key Replacement

$750 Pet Coverage

AutoXtended® Endorsement Is Automatically Included


Learn More


Tips for talking with your agent:

1. Create a home inventory of your belongings.

2. Share a list of connected home devices you use.

3. Discuss other activities, like volunteering, or possessions, such as a boat or RV.

Enter your zip code to find a local agent

Optional Auto Insurance Coverages
Full Safety Glass Coverage
When damage isn’t caused by collision (think storms, falling objects, and vandalism), Full Safety Glass coverage helps cover replacement or repairs to the glass on your vehicle. And best of all, when you have Full Safety Glass coverage, there’s no deductible for a glass claim!
Full Safety Glass coverage covers damage to things such as windows, windshields, and headlights.
Learn more here.
Full Safety Glass coverage is electable in the Standard policy for AZ, CT, KS & MN customers. Full Safety Glass coverage is automatically included for SC customers when the vehicle has both Collision and Comprehensive coverage; otherwise, it is electable if the vehicle has Comprehensive coverage. Full Safety Glass coverage is automatically included for KY customers when the vehicle has Comprehensive coverage, regardless of the product offering.
Accident Forgiveness & Minor Violation Coverage
Did you know your insurance rates may increase after a fender bender, rolling through a stop sign, or other moving violation?
Our Accident Forgiveness and Minor Violation benefits may help you avoid this.
If you’re free of accidents and violations for a period of 35 consecutive months*, your first accident and first minor violation may be waived.
Only available for new AutoXtended® Plus and AutoXtended® Premier Policies.
Learn more here.
*Forgiveness also requires policy tenure which varies between accidents and violations as well as policy offering level.
AutoXtended® Coverage Endorsement
Extra protection for your vehicle and possessions in it (automatically included in AutoXtended® Plus & AutoXtended® Premier policies; not available for Standard)
Check out what you can get covered with our AutoXtended® Endorsement, all with no deductible:
  • Bail Bonds
  • Cell Phone
  • Customizing Equipment
  • Death Indemnity
  • Emergency Ambulance
  • Emergency Travel
  • First Aid to Others
  • GPS Coverage
  • Increased Transportation Expense
  • Locksmith/Key Replacement
  • Pet Coverage
  • Personal Effects
  • Reasonable Attorney Fees
  • Rented Vehicle Coverage
  • Total Disability
  • Waiving of Deductible for Collision
  • Waive Deductible Uninsured Motorist Property Damage (UMPD)
  • Waiving of Deductible for Other Than Collision (OTC)
Learn more here.
Transportation Network (Ridesharing) Coverage
You’re excited and ready to start driving for a transportation network, such as Uber® or Lyft® — but if you don’t have the right insurance coverage, you may not be protected in the event of an accident.
Here are some highlights to having coverage If you have State Auto’s Ridesharing endorsement in place as an add-on to your standard auto insurance, we’ll help cover your ridesharing coverage gaps.
Learn more here.
Availability and coverage may vary by state. Transportation Network Coverage is available to only Ceded policies in North Carolina
Roadside Assistance Coverage
Your car breaks down. You’re stuck on the side of the road. It’s inconvenient – and dangerous. You need assistance right away. Our 24/hr Roadside Assistance provides towing service to the location of your choice within the limits of the policy.
Included Additional Services:
  • Removal of a vehicle disabled on a public road
  • Delivery of supplies including oil, water and fuel
  • Battery jump–start
  • Tire change or inflation
  • Lockout service up to $100
This policy-level coverage may be added to a policy with at least one vehicle of the following types:
  • Antique Automobiles
  • Classic Automobiles
  • Private Passenger Automobiles
  • Pick-Up Trucks
Getting Roadside Assistance If needing Roadside Assistance, call 844-546-5393.
Learn more here.
Roadside assistance is not available in North Carolina and Virginia.
Original Equipment Manufacturer (OEM) Parts Coverage
If your vehicle is under 10 model years old, it can be repaired using manufacturer parts rather than aftermarket parts. This coverage is available for private passenger autos, pickup trucks, vans and motorcycles with comprehensive & collision. Not available under our Standard offering.
Auto Replacement Cost - Total Loss Plus
For an additional premium, auto replacement cost coverage is available for vehicles that are within 2 model years of the policy date. Total Loss Plus coverage is an enhancement for vehicles that no longer qualify for Auto Replacement Cost coverage and are deemed a total loss.

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State Auto Safety 360®

Safety and savings. It all comes back to you.

Life can be unpredictable and sometimes things happen that are out of your control. But there is one thing you can help control — what you pay for your personal auto insurance.

Now is the time to start putting money back into your pockets, all year long, by enrolling in State Auto Safety 360® our usage-based driving program!

Earn an instant initial 10% enrollment discount and you can earn up to 50% off of your auto renewal premium for a safe driving score.*

*State Auto Safety 360® is available for Personal Lines auto policies written on our Connect platform. Availability and discounts vary by state.


We think saving money should be easy. We’re guessing you do, too. Here are some simple ways to save big on your personal auto insurance.

State Auto Safety 360® Driver Training
Multi-Policy Anti-Theft Device
Accident Prevention Course Good Student
State Auto Start-Up Multi-Car

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  • State Auto Safety 360®: You’re a good driver, but if you’re not enrolled in State Auto Safety 360®, you could be paying up to 50% more for your auto insurance renewal premium and missing out on valuable benefits. Best part is you'll get an instant initial 10% discount just for participating in State Auto Safety 360®!
    Learn more here.
  • Multi-Policy: If you insure your vehicle with us, you can get a discount by also having a Home, Dwelling Fire1, or Umbrella2 policy. Bundling has benefits! The average customer can save up to 14%3 when they bundle their policies with us.
1 Dwelling Fire Insurance: Available for rental properties. 2 Umbrella: Adds an extra layer of protection over your Auto and Home insurance.
Learn more here.
  • Accident Prevention Course: If you’re at least 21 years old, have a driver’s license and certificate of attendance for an Accident Prevention Course in the last 36 months, this one’s for you.
  • State Auto Start-Up: Discount varies based on the number of days the policy is quoted in advance of the effective date as well as prior insurance. Takes into account your prior carrier and length of time with them (must be at least 6 months).
  • Paid-In-Full: Pay your entire policy up front — and pay less.
  • Driver Training3: Education = safer driving. If you’re under the age of 21 and driving, we’ll give you a discount for attending a driving education course. 3For South Carolina drivers, a discount is available for drivers up to 25 years old.
  • Anti-Theft Device: We’ll reward you for the extra security on your vehicle.
  • Good Student: School’s expensive, so we’ll help you save on your insurance if you are a full-time student and maintain a B (3.0) average or higher.
  • Multi-Car: Having two or more vehicles on the same policy may get you a discount. It even includes motor homes as well as registered golf carts and off-road vehicles.

Learn More

Related Products

Tips for talking with your agent:

1. Create a home inventory of your belongings.

2. Share a list of connected home devices you use.

3. Discuss other activities, like volunteering, or possessions, such as a boat or RV.

Enter your zip code to find a local agent