Home State Auto Insurance Review (2021)
Home State auto insurance reviews cover the company's high-risk auto insurance policies. Home State auto insurance rates will be higher since they cater to high-risk drivers. Home State Mutual Insurance Company is only available in Texas, and Home State auto insurance quotes are not available online.
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Written by
Mathew B. Sims
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Reviewed by
Daniel Walker
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UPDATED: Mar 18, 2021
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- Home State insurance was initially chartered in 1948.
- Home State writes non-standard auto insurance policies for high-risk drivers.
- Basic liability helps you pay for damage caused by an auto accident in which you are considered “at fault.”
Home State County Mutual insurance reviews cover Home State Insurance Group, Inc., headquartered in Waco, Texas.
Home State Insurance Group is now part of Berkshire Hathaway, the parent company of Geico, Gen Re, Nederlandse Reassurantie Group, and Berkshire Hathaway Assurance.
Home State auto insurance policies are designed to provide affordable high-risk auto insurance. Although high-risk drivers pay more for auto insurance, there’s a way to lower rates. This Home State auto insurance review explains.
If you have Home State Insurance Group auto insurance and want to compare to other options, we can help you save money. Start by entering your ZIP code to start looking at completely free, no-obligation auto insurance quotes. Then read this Home State car insurance review.
Does Home State Insurance Group Sell Non-Standard Auto Insurance?
Writing auto insurance policies for non-standard drivers is the original goal of the Home State Insurance Group. Home State Insurance rates are not readily available, but we can take a look at some averages below.
Non-standard auto insurance helps high-risk drivers assume financial responsibility in the event of a car accident. Your policy isn’t only to protect your car, passengers, and property. Knowing what coverage you need is just as important as knowing what what to do after a car accident.
Basic liability helps you pay for damage caused by an auto accident in which you are considered “at fault.” Watch this video on how property damage liability insurance works.
Speaking of basic liability and property. Let’s take a look at the average rate for auto insurance in Texas.
How Do Texas Auto Insurance Rates Compare to the National Average?
| States | Average Annual Liability Rates | Average Annual Collision Rates | Average Annual Comprehensive Rates | Average Annual Full Coverage Rates |
|---|---|---|---|---|
| Texas | $550 | $380 | $207 | $1,137 |
| National Average | $555 | $326 | $148 | $1,030 |
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These are projections from The National Association of Insurance Commissioners (NAIC). Each year they provide a report of average annual rates for auto insurance.
Texas has cheaper liability rates than the national average, but collision and comprehensive coverage are more expensive.
To get discounts, report anti-theft, and safety features to your auto insurance company. If you happen to have good or fair credit, you can receive a discount.
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How Do You File A Claim With Home State Mutual?
You can file a claim with the Home State County Mutual Insurance Company claims department like any other company. Your rates may go up, but the right coverage options can help recover from damages.
If you know your policy prefix, go to the company website to access your account information.
Home State Insurance representatives insist that its customers should use the Home State County Mutual phone number to file a claim. The Home State County Mutual Insurance auto insurance claims phone number is 254-776-4521. There’s no toll-free number because the company only does business in Texas.
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Who Are The Home State Auto Insurance Group Agents?
The company maintains an insurance marketing and distribution network composed of independent insurance sales brokers and agents.
Home State Insurance Group values relationships with independent sales professionals and wants to help its independent sales partners grow a thriving auto insurance sales practice.
Interested auto insurance sales agents and brokers may contact the company for more information about selling Home State auto insurance products and services.
Does Home State Auto Insurance Cover Teen Drivers?
Teenage drivers represent the highest risk category of all drivers in Texas. According to the Centers for Disease Control and Prevention, almost a third of teen deaths occur due to traffic or auto accidents.
Drivers between the ages of 16 and 19 are 400 percent more likely to be involved in a fatal car crash. About 350,000 teenagers received hospital emergency room treatment for injuries sustained in traffic accidents.
Of that number, about 3,000 teenagers died as a result of the auto accident. The following are statistics on teen drivers:
- Teen drivers account for about 14 percent of drivers on the road. This age group is at risk for driving at night while under the influence or impairment
- Teenage male drivers are more likely to be involved in a severe auto accident than teenaged females.
- The damage is greater than 30 percent of auto insurance claims paid!
The statistics collected by the best companies like Home State Insurance Group support the reasons for passing on high auto insurance premiums to teenage drivers.
Teenage drivers with teenaged passengers bear additional risks, according to auto insurance studies. Teenagers seem less likely to use seatbelts. They break the speed laws with higher frequency than other drivers.
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What Is The Home State Insurance Group Company History?
Originally chartered in 1948 during Harry Truman’s presidency, Home State Insurance Group includes the Equity Insurance Company and Home State County Mutual Insurance Company.
Home State County Mutual Insurance Company is located in Dallas, TX. The company’s exact address is 17762 Preston Road Suite 200, Dallas, Texas, 75252. Home State Insurance Group focuses on marketing and writing non-standard auto insurance policies.
How Does Home State Insurance Group Work With TexasSure?
Home State County Insurance Company uses the Texas Department of Insurance “TexasSure” customer contact system. TexasSure’s goals include identifying uninsured drivers in the state.
Uninsured or underinsured drivers cost insurance companies (and their insured drivers) money each year.
Home State Insurance Group also cares about its insured policyholders’ privacy. The company outlines the processes used to safeguard client financial information on the website.
Does Home State Insurance Group Have Good Customer Service?
Home State Insurance Group wants the opportunity to satisfy its customers, and they offer customers 24-hour claims reporting.
If you’ve done business with any auto insurance company for a year or more, perhaps you already see higher auto insurance rates.
If you haven’t been involved in an auto accident, moving violation, or gotten a ticket, you may ask why you’re being charged pay higher insurance rates.
That’s why comparing your auto insurance rates with quotes offered by other insurance companies can help you save now.
If you’re done reading our Home State auto insurance review, use our fast, FREE comparison tool today. Enter your ZIP code below to get started.
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Do You Have More Questions?
For the final section of our Home State auto insurance review, we’ll clarify any confusion between Home State County Mutual and Safe Auto Insurance.
We’ll answer a few frequently asked questions below.
#1 – Is State Auto a good insurance company?
State Auto Insurance Google reviews don’t exist yet, but Yelp’s State Auto insurance reviews show the company is rated at two stars.
State Auto’s telemetrics program, Safety360, was rated at 1.8 stars on Google Play. A State Auto Insurance lawsuit back in 2013 accused the company of a home insurance scam.
Some consumers will run from a company if it has been under legal scrutiny. Car insurance ratings by state varies, so do thorough research before making a final decision.
#2 – Which insurance company is the best for home and auto?
Amica Mutual, Allstate, Geico, Metlife, and USAA are the top five companies for home and auto insurance.
#3 – Do you have to have auto insurance in the state you live in?
Your auto insurance must be in the state where your car is registered. Be sure your vehicle is registered and insured in the state of your permanent residence.
#4 – What is the most reliable car insurance company?
According to J.D. Power, the most reliable company is Amica Mutual.
#5 – Who owns State Auto insurance?
State Auto Financial Corporation is the parent company. The current CEO is Michael E. LaRocco.
#6 – What are the worst insurance companies?
According to Consumer Reports, the worst-rated insurance companies are Mercury, Esurance, and Nationwide.
Review
When you call and leave a voicemail and then they do not return calls.
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Review
Bad, bad, bad, bad company.
Bad customer service, bad adjusters, everything is bad. Their client hit me 3 weeks ago and they say they are not able to contact her. LIE. She called them in front of me and left a message (the only option we have is to leave a message, they NEVER answer the phone) and they do not call us back.
when I managed to speak with them, they were very rude. they don’t care about your situation. they don’t care if it is their client’s fault you don’t have a vehicle to drive around.
DO NOT MAKE BUSINESS WITH THEM. you will regret so bad…….
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Review
This company is a scam.
Their client caused a major accident involved 4 vehicles including mine. I called their number on the police report. They gave the run around and basically refuse to give the claim number so I can get a rental and get my car.
They said the adjuster will come out to see me and will give me the claim number and it was 4 weeks ago. I called and called, but they never return my messages. In the meantime, my car is not drivable, and I’m on the hook for the rental.
They are selling insurance to non-standard drivers, meaning their clients are high risks and not qualify for standard insurance.
THIS COMPANY IS NOTHING BUT SCAMMERS. I’d give them negative 5 stars.
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Review
One of their clients hit my car in the rear over a month ago. Even the adjuster who came out said that their client’s story was not adding up.
Caroline at Equity Insurance at first said the story was not adding up from their client and she was doing everything she could do to get us paid. The police report states that their client’s story did not add up but they denied our claim.
Do Not Get Hit By Their Clients Because They Do not pay!!
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CRAPPY COMPANY
TERRIBLE COMPANY – will be filing complaint with BBB and talking to a lawyer. 3 weeks ago their customer hit my truck because he was on the phone while leaving work. I FINALLY got an adjuster’s name and number. Despite repeated messages he has NOT called me back. Meanwhile my truck is still damaged.
TOTAL CROCK!!! God help anyone that gets hit by one of their customers!!!!
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PATHETIC!!
Completely non-existent customer service!! A Home State policy holder hit my car 21 days ago. I filed a claim the same day and still have not had a single conversation with the adjuster, or anyone else who is able to authorize repairs on my car. I have called the adjuster and her supervisor every single day, leaving voicemails, in addition to the main phone # for the insurance company and cannot get a response. I have never experienced such a lack of service! Unspeakable!
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