Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 10, 2020

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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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.

Company Details
Address: 4315 Lake Shore Drive, Suite J
City: Waco
State: TX
ZIP Code: 76710-1970
Phone Number: +1-254-776-4521
Website: http://www.homestate.net
Year Founded: 1948
AM Best Rating: A++
Company Rating 1 (4 reviews)

Things to Remember...

  • 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.

Home State Insurance Group 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. Auto insurance 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.

Texas Auto Insurance Rates Compared to National Average
StatesAverage Annual Liability RatesAverage Annual Collision RatesAverage Annual Comprehensive RatesAverage 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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Home State Mutual Insurance Claims

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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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.

Home State Auto Insurance and 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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Home State Insurance Group 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.

Home State Insurance Group and 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.

Home State Insurance Group 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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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Frequently Asked Questions: Home State Auto Insurance Review

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.