+120 more)
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Stillwater Insurance Group seems to pride itself on personalized customer service. Though a midsized company, it offers many perks associated with some of the best car insurance companies in the industry. Its solid range of coverage options is highly customizable, and you’ll get a great website, an ever-improving mobile app, and customer service chat to manage your policy.
But it’s hard to gauge how happy customers are with Stillwater. Online customer reviews are mixed (though its claims service appears well-reviewed), and little information is available from third-party entities like J.D. Power. Though some customers report cheap rates, our research indicates the opposite.
Read on for deeper insights into Stillwater and how it compares with competitors.
To help you decide if Stillwater is a good choice, here’s an overview of the company’s performance across five key metrics. Each is rated on a scale of one to five.
Category | Score |
|---|---|
| Cost | 3.3/5 |
| Customer satisfaction | 1.0/5 |
| Ease of use | 3.3/5 |
| Availability | 4.3/5 |
| Industry reputation | 3.3/5 |
| Overall Score* | 2.96/5 |
Stillwater is a great option for people who want to customize their coverage. The company also has a strong financial standing, earning an AM Best financial strength rating of A- (Excellent), so it has the funds to payout claims when needed.
Customer complaints are eight times the industry average for similarly sized insurance companies. Stillwater offers many coverage options but not as many as the larger players in the industry.
On a high level, customer feedback is mostly positive regarding stress-free claims service but somewhat mixed when it comes to customer service — especially billing and unexpected rate increases. Stillwater allegedly hit the Reddit user below with an unexplained (and mistaken) late fee, and resolving it required a lot of extra work.
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But many customers report a positive experience. Even the reviewer below, whose actual premiums ended up being higher than their initial quote. Despite that, they claimed to have still found a great deal on their policy.
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Many positive reviews focus on the easy claims process, as with the review below from a five-year customer, highlighting fast turnaround and open communication.
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When possible, Stillwater responds to many reviews — positive or negative — showing that the company is interested in its customers’ experiences.
Auto insurance companies use unique formulas to calculate rates, so it’s crucial to compare them directly. Rates vary based on many factors, including your age, gender, marital status, driving history, credit, and more.
Here are Stillwater’s rates for common driving profiles to show how rates fluctuate and compare to the national average.
Driver/Coverage Characteristics | Stillwater Average Monthly Rate | National Average Monthly Rate | Difference |
|---|---|---|---|
| All drivers | $168 | $99 | +$69 |
| Liability coverage | $151 | $79 | +$72 |
| Full coverage | $185 | $152 | +$33 |
| Teens | $353 | $190 | +$163 |
| Seniors | $165 | $85 | +$80 |
| Recent speeding ticket | $170 | $125 | +$45 |
| Recent at-fault accident | $189 | $158 | +$31 |
Stillwater’s average premiums are higher than most companies across all profiles, with rates for teens, seniors, and liability-only policies nearly double the national average. Premiums for full coverage and drivers with an at-fault accident have the most modest increases, so these policy types are likely your best chance to get a cheap rate with Stillwater.
But remember, average rates are just that: broad averages. Without getting a quote, it’s impossible to know what rate Stillwater will offer you.
You should always compare quotes from several insurance companies when buying a new policy to ensure you get the best policy at the most competitive price.
Here’s how Stillwater’s average rates stack up against a few of its primary competitors.
Company | Compare.com Rating | Average Monthly Rate |
|---|---|---|
| Stillwater | 2.96/5 | $168 |
| GEICO | 4.65/5 | $88 |
| State Farm | 4.90/5 | $85 |
| Progressive | 4.73/5 | $119 |
GEICO offers average rates that are around half the cost of Stillwater. Both companies offer user-friendly websites and apps, but GEICO offers more extensive optional coverages like mechanical breakdown insurance and rideshare. It also has a stronger reputation for customer service and a wider selection of discounts.
Both companies have strong financial ratings and similar coverage options, though State Farm boasts much cheaper average rates. State Farm also beats Stillwater in customer satisfaction, industry reputation, and policy options. The insurance giant also offers more discounts, including the Drive Safe & Save program.
Both companies offer bundling discounts and a range of insurance products. But Progressive offers cheaper policies, more discounts, more extensive coverage options, and better technology. Progressive also has a stronger industry reputation and financial rating.
Car insurance discounts are an easy way to lower your premiums. Stillwater offers the following opportunities:
Accident/violation-free: For drivers with no recent history of accidents or traffic tickets.
Good student: For high school and college students maintaining good grades.
Multi-car: For insuring more than one vehicle on the same policy.
Multi-policy: For purchasing multiple Stillwater insurance products.
Paid-in-full: For paying the entire policy term up front.
Paperless: For receiving all documents electronically.
Theft and safety device: For insuring vehicles with features like car alarms and airbags.
Stillwater doesn’t specify the value of discounts. Consult your insurance agent for more details.
You can purchase the following car insurance coverages through Stillwater:
You can adjust your coverage limits for each coverage type as long as it complies with state laws. You can also adjust your deductibles for each option, including three levels of rental car coverage.
During my quote process, Stillwater offered me the option to purchase high liability limits — up to 250/500/250. I also noted that I could choose “no deductible” for comprehensive claims, and I could rerun my premium cost with each adjustment to see how it affected my price.
Keep in mind that coverage options vary by state.
Getting a quote for a Stillwater policy is easy and fast. You can complete the process online in less than 10 minutes. On the downside, you may have to provide your Social Security number to get a quote.
I entered my ZIP code on the auto insurance home page to start the process.
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Next, I provided my personal information, including my name and address.
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Then I provided my driving history, gender, marital status, occupation, education, and insurance history.
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The final step before receiving my quote was to add information about my vehicle and how I use it.
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Stillwater generated my quote in seconds and defaulted to offer four “package” options ranging from state-minimum insurance to premium coverage with liability limits set at 250/500/100 and additional coverage options.
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I chose the “Basic Plus” plan and continued customizing my coverage limits and deductibles.
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Adjusting my options was as easy as selecting an option from a dropdown menu.
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Clicking on the question mark symbol triggered a pop-up with a clear explanation of the option.
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The next page showed me possible discounts that applied to my premium.
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Next, Stillwater displayed my available payment options.
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I verified my driver’s license, VIN, and payment information in the final steps.
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Overall, the process was easy to understand and complete.
You can file an insurance claim online or by phone. Stillwater will assign an examiner to review the damages and process your claim. You can follow the process online and check in through the company’s online chat.
Several customer reviews praised efficient claims adjusters and a fast claims process. The customer below highlighted a similar experience — the company issued their claims reimbursement check by the end of a call with their adjuster.
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Still, some customers claimed to experience the opposite. For example, the reviewer below found the process “tedious,” as they had to get documents notarized. They also noted that a third party processed the claim. But it’s worth noting that they still liked their adjuster.
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Stillwater is a full-service insurance company. It originally sold title and mortgage insurance but expanded to offer other insurance products shortly after its founding.
In addition to car insurance, you can buy the following at Stillwater:
Homeowners insurance
Condo insurance
Renters insurance
Business insurance
Landlord insurance
Umbrella insurance
Product availability varies by state.
Below, we’ve answered the most common questions asked about Stillwater Insurance by prospective policyholders.
No. Stillwater generally doesn’t offer cheap car insurance, according to our research. The average rate for Stillwater drivers is higher than the national average, but, since rates vary by a number of individual factors, it may offer you an affordable rate.
No. Stillwater Insurance is a separate entity from GEICO.
That said, GEICO partners with Stillwater to offer some insurance policies. That means you may buy an insurance policy underwritten by Stillwater through GEICO.
Founded in 2000 as part of Fidelity National Property and Casualty Insurance Group, Stillwater Insurance has been in business for 24 years.
Stillwater is available in 23 states: Arizona, Arkansas, California, Connecticut, Florida, Idaho, Illinois, Indiana, Minnesota, Mississippi, Missouri, Nebraska, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin.
Rating Methodology:
Compare.com’s mission is to help our readers make more informed decisions about their personal finances. Our editorial staff has crafted a proprietary objective rating formula — the Compare.com Rating — to make it easier for our readers to analyze and compare many of the industry’s most well-known insurers.
The score you see referenced in this article is based on several factors, including:
Cost: How the insurer’s average rates compare to its direct competitors and the industry as a whole. This includes available savings opportunities, such as discounts and other factors.
Customer satisfaction: How satisfied existing customers are with the service they receive. This includes the insurer’s scores among various third-party studies, such as the J.D. Power U.S. Insurance Shopping and Claims Satisfaction studies, and the National Association of Insurance Commissioners (NAIC) Complaint Index, among others.
Ease of use: How easy it is for policyholders to utilize their policies. This includes mobile app availability, customer service availability, payment flexibility, and other related factors.
Availability: The overall scope of the company’s insurance offerings. This includes available coverage types, national footprint, and other related factors.
Industry reputation: A measure of the insurer’s overall standing within the industry. This includes its AM Best financial strength rating, BBB accreditation, and other related factors.
Sources:
Trustpilot, “Stillwater Insurance,” accessed May 20, 2024.
Better Business Bureau, “Stillwater Insurance Group,” accessed May 20, 2024.
WalletHub, “Stillwater Insurance Group,” accessed May 20, 2024.
Reddit, “Stillwater Auto Insurance concerns,” accessed May 20, 2024.
AM Best, “Stillwater Insurance Company,” accessed May 20, 2024.
National Association of Insurance Commissioners, “Stillwater Ins Co. National Complaint Index Report,” accessed May 20, 2024.
J.D. Power, “2023 U.S. Auto Insurance Study,” accessed May 20, 2024.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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