Stillwater Insurance Review & Ratings (2024)

Discover comprehensive coverage options with Stillwater Insurance: Delve into our in-depth review, ratings, and potential savings. Compare quotes from top insurance providers and safeguard what matters most to you. Enter your ZIP code now to kick-start your search and find the insurance options that perfectly align with your needs and budget.

UPDATED: Dec 4, 2023Fact Checked

Laura Berry

Former Licensed Insurance Producer

Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...

Former Licensed Insurance Producer

Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Licensed Insurance Agent

UPDATED: Dec 4, 2023

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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Dec 4, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 4, 2023Fact Checked
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Stillwater Insurance

Average monthly rate for good drivers:

$113

A.M. Best rating:

A-

Complaint level:

Low

Pros

  • Affordable rates
  • Diverse coverage options
  • Customizable policies
  • Excellent customer support

Cons

  • Limited online presence
  • Regional availability

Final Verdict: Review of Stillwater Insurance

Overall, Stillwater Insurance is a reputable car insurance provider that offers a range of coverage options and discounts to help customers find affordable and effective insurance coverage.

The company has been in business for over a decade and has a strong reputation for quality customer service, efficient claims processing, and competitive rates.

While Stillwater Insurance has generally positive customer reviews, it’s worth noting that some customers have had negative experiences as well. As with any insurance company, it’s important to do your research and carefully consider your options before selecting a provider.

What You Should Know About Stillwater Insurance Group

Address: 4905 Belfort Road Suite 110
City: Jacksonville
State: FL
ZIP Code: 32256
Phone Number: (800) 849-6140
Fax: (904) 472-2541

AM Best Rating: A-

Stillwater Insurance is a trusted provider of insurance solutions, offering a range of coverage options to safeguard your valuable assets. In this comprehensive article, we will delve into the various aspects of Stillwater Insurance, including its review, ratings, and the savings it can provide. We will explore the company’s history, mission, coverage plans, available discounts, and customer reviews.

  • Stillwater Insurance offers a unique “switch and saves” program that allows customers to easily switch to their services and save money on their car insurance premiums.
  • The company is committed to providing exceptional customer service, with a 24/7 claims hotline and dedicated claims representatives to ensure that customers receive prompt and efficient service.
  • Stillwater Insurance offers a variety of discounts to help customers save money on their car insurance, including safe driver discounts, multi-car discounts, and discounts for bundling policies.

To ensure you find the best insurance options at the most competitive rates, enter your zip code and compare quotes from top providers in your area. Protect what matters most with Stillwater Insurance today.

Stillwater Insurance History and Mission

Stillwater Insurance was founded in 2000 in Jacksonville, Florida, with a mission to provide high-quality insurance products and services to customers at competitive rates.

The company’s founders believed that there was a need for an insurance company that put customers first and provided exceptional service, and they set out to create a company that did just that.

Over the years, Stillwater Insurance has grown to become one of the leading providers of car insurance in the United States, with operations in 47 states.

Despite this growth, the company has remained committed to its founding mission of providing excellent customer service and affordable rates.

Stillwater Insurance Group Insurance Coverage Options

Stillwater Insurance offers a range of car insurance products and services designed to meet the needs of drivers in different states and situations. Here is an overview of some of the main products and services that the company offers:

  • Liability coverage: This is the most basic type of car insurance and covers the cost of damages you cause to another person’s vehicle or property in an accident.
  • Collision coverage: This type of coverage pays for the cost of repairing or replacing your vehicle if you are involved in an accident.
  • Comprehensive coverage: This type of coverage pays for damage to your vehicle caused by events other than a collision, such as theft, vandalism, or weather-related incidents.
  • Personal injury protection (PIP): PIP coverage is required in some states and covers the cost of medical expenses, lost wages, and other related costs if you or your passengers are injured in an accident.
  • Uninsured/Underinsured motorist coverage: This coverage protects you if you are involved in an accident with a driver who doesn’t have enough insurance to cover the damages they caused.
  • Additional coverage options: Stillwater Insurance also offers a variety of additional coverage options, including roadside assistance, rental car coverage, and gap insurance.

Overall, Stillwater Insurance’s range of coverage options and flexibility make it an excellent choice for drivers looking for comprehensive and affordable car insurance.

States Offering Stillwater Insurance

Stillwater Insurance currently offers car insurance coverage in 47 states across the United States. It’s worth noting that while Stillwater Insurance offers coverage in a majority of states, the specific coverage options and discounts available may vary depending on the state where you live.

It’s best to contact Stillwater Insurance directly or visit their website for more information on the coverage options and discounts available in your state.

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Stillwater Insurance Group Insurance Rates Breakdown

The cost of car insurance with Stillwater Insurance will vary depending on a variety of factors, including your age, driving record, the type of vehicle you drive, and the level of coverage you select.

However, Stillwater Insurance is known for offering competitive rates and discounts that can help lower the cost of your insurance premiums.

To give you a better idea of what you might pay for car insurance with Stillwater Insurance, here are some average annual premiums for a single driver with a clean driving record in a mid-sized city:

  • Liability coverage: $525 to $750
  • Liability + collision coverage: $875 to $1,125
  • Liability + comprehensive coverage: $900 to $1,200
  • Full coverage (liability + collision + comprehensive): $1,350 to $1,750

It’s important to note that these are just rough estimates and that your actual premium may be higher or lower depending on your circumstances. Additionally, discounts are available that can help lower your premium even further.

To get a personalized quote from Stillwater Insurance, you can visit their website or call their customer service team. They’ll be able to provide you with a more accurate estimate based on your specific situation and coverage needs.

Stillwater Insurance Group Discounts Available

Stillwater Insurance offers several discounts to help customers save money on their car insurance premiums. Here are some of the most common discounts that are available:

  • Safe driver discount: If you have a clean driving record with no accidents or traffic violations, you may be eligible for a safe driver discount.
  • Multi-car discount: If you insure multiple vehicles with Stillwater Insurance, you may be eligible for a multi-car discount.
  • Good student discount: If you are a full-time student with a GPA of 3.0 or higher, you may be eligible for a good student discount.
  • Anti-theft device discount: If your vehicle is equipped with an anti-theft device, such as an alarm system or tracking device, you may be eligible for a discount.
  • Bundling discount: If you bundle your car insurance with another type of insurance, such as homeowners insurance, you may be eligible for a bundling discount.
  • Defensive driving course discount: If you have completed a state-approved defensive driving course, you may be eligible for a discount on your car insurance premiums.

It’s important to note that the availability and amount of discounts may vary depending on the state where you live and the coverage options you select. To learn more about the discounts that are available to you, it’s best to contact Stillwater Insurance directly or visit their website for more information.

By taking advantage of these discounts, you can save money on your car insurance premiums and get the coverage you need at a price you can afford.

Seamless Claims Process With Stillwater Insurance

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Stillwater Insurance provides a seamless experience for filing claims. Customers can file claims conveniently through their user-friendly online portal, over the phone with dedicated customer service representatives, or via their mobile app. The intuitive interfaces of their digital platforms simplify the process, ensuring policyholders can report incidents with ease and efficiency.

Average Claim Processing Time

One of Stillwater Insurance’s standout features is its swift claim processing. On average, the company processes claims in a timely manner, allowing customers to receive necessary assistance and settlements promptly. This efficiency reflects Stillwater’s commitment to providing timely support to their policyholders during stressful situations.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts with Stillwater Insurance has been overwhelmingly positive. Policyholders have praised the company’s fair and transparent claim resolutions, highlighting their professionalism and dedication to resolving claims satisfactorily.

The promptness of payouts has also been a significant point of satisfaction for customers, showcasing Stillwater’s commitment to delivering on their promises.

Unleashing Innovation With Stillwater Insurance Digital and Technological Features

Mobile App Features and Functionality

Stillwater Insurance offers a feature-rich mobile app designed to enhance customer experience. The app provides policyholders with easy access to their insurance information, allowing them to view policy details, track claims, and even make payments directly from their smartphones. Its intuitive interface ensures a seamless user experience, making it convenient for customers to manage their policies on the go.

Online Account Management Capabilities

The online account management system offered by Stillwater Insurance empowers policyholders with comprehensive control over their insurance accounts. Customers can log in securely to access and update their policy information, review coverage details, and track claims.

This self-service portal simplifies the process of managing policies, providing a convenient platform for policyholders to handle various aspects of their insurance needs.

Digital Tools and Resources

In addition to their mobile app and online account management system, Stillwater Insurance provides a range of digital tools and resources to educate and assist customers. These resources include informative articles, FAQs, and interactive tools that help customers make informed decisions about their insurance coverage.

By leveraging technology, Stillwater Insurance ensures that their policyholders have access to valuable information and support whenever they need it.

How Stillwater Insurance Group Ranks Among Providers

In the fiercely competitive landscape of the insurance industry, Stillwater Insurance contends with several formidable rivals. These companies, each with its unique strengths and offerings, contribute to the dynamic nature of the market. Here is a brief exploration of Stillwater’s main competitors and the reasons that make them noteworthy adversaries:

  • Geico: Geico, renowned for its wide-reaching advertising campaigns and competitive pricing, poses a significant challenge to Stillwater. Both companies target similar demographics, emphasizing affordability and a diverse range of coverage options.
  • State Farm: State Farm, a giant in the insurance industry, competes with Stillwater by virtue of its extensive network of agents and a comprehensive suite of insurance products. The brand’s emphasis on personalized service and community involvement adds to its competitive edge.
  • Allstate: Allstate’s strong market presence and a variety of insurance products, including auto, home, and life insurance, make it a direct competitor to Stillwater. The company’s commitment to innovation and customer-centric solutions amplifies the competition.
  • Progressive: Progressive’s aggressive marketing strategies and focus on technology-driven solutions position it as a significant rival to Stillwater. Both companies vie for tech-savvy customers, offering online tools and a seamless digital experience.

In the dynamic world of insurance, competition is a driving force that fuels innovation and customer-centric approaches. Stillwater Insurance faces robust competition from industry giants like Geico, State Farm, Allstate, and Progressive.

As consumers navigate the diverse landscape of insurance providers, each company strives to distinguish itself through unique offerings and a commitment to meeting the evolving needs of policyholders.

Customer Feedback for Stillwater Insurance

Customer reviews can be a helpful way to get an idea of what it’s like to work with Stillwater Insurance. Here’s a summary of some of the reviews that customers have left online:

  • Positive Reviews: Many customers praise Stillwater Insurance for their competitive rates, helpful customer service, and easy-to-use online platform. Customers have also mentioned that claims are processed quickly and efficiently.
  • Negative Reviews: Some customers have had negative experiences with Stillwater Insurance, particularly about communication issues and delays in processing claims. Additionally, some customers have reported that premiums can increase unexpectedly over time.

Overall, Stillwater Insurance has generally positive reviews from customers, with many people praising the company for their competitive rates and helpful customer service.

However, as with any insurance company, there are some negative reviews as well. It’s important to do your research and carefully consider your options before selecting a car insurance provider.

If you have any questions or concerns, it’s best to contact Stillwater Insurance directly to get more information.

Frequently Asked Questions

Is Stillwater Insurance a good company?

 

Stillwater Insurance has generally positive ratings and reviews. They have an A- rating with the Better Business Bureau and a 4.2 out of 5 rating on Trustpilot. However, as with any insurance company, it’s important to carefully review their policies and coverage options before making a decision.

What types of insurance does Stillwater Insurance offer?

Stillwater Insurance offers homeowners, renters, condo, and flood insurance. They also offer insurance for personal belongings, such as jewelry, and liability insurance.

What does Stillwater Insurance’s homeowners insurance cover?

Stillwater Insurance’s homeowners insurance covers damage to the home and personal property caused by covered events, such as fire, theft, and weather-related damage. It also includes liability coverage in case someone is injured on the property.

What does Stillwater Insurance’s renters insurance cover?

Stillwater Insurance’s renters insurance covers personal property damage caused by covered events, liability coverage in case someone is injured on the rental property, and additional living expenses if the rental becomes uninhabitable

What does Stillwater Insurance’s condo insurance cover?

 

Stillwater Insurance’s condo insurance covers damage to the interior of the unit caused by covered events, personal property damage, liability coverage, and loss assessment coverage.

What does Stillwater Insurance’s flood insurance cover?

Stillwater Insurance’s flood insurance covers damage to the structure and personal property caused by flood events.

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Laura Berry

Former Licensed Insurance Producer

Laura Berry has experience as a licensed producer selling life, health, and property insurance coverage for both Allstate and State Farm. She has dedicated many hours to helping her clients understand the insurance marketplace so they could find the best car, home, and life insurance products for their circumstances. While she currently helps businesses take advantage of the federal R&D tax...

Former Licensed Insurance Producer

Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Reviews
for Stillwater Insurance Group

2.16 (39 reviews)
1
December 27, 2022

Jordan_Knight

Will cancel suddenly without reason

Stillwater canceled my Auto-renewing auto policy on December 23rd with almost no warning or reasoning. I called and they simply said they were not interested in continuing my policy. I have 0 tickets 0 accidents and rarely drive (I work from home)
1
November 19, 2018

Gooddriver1

Does not have transparent policies

I recently cancelled my policy with this company for a very specific reason. They increased my rate without appropriately notifying me, and the rate increase itself was absurd. the company raised my 6 month policy by almost $1,000, even though I had had no tickets, claims, or accidents. When I called to ask why they had done that, they said it was a routine rate increase, plus they had decided to do away with discounts. When I asked why they hadn...
I recently cancelled my policy with this company for a very specific reason. They increased my rate without appropriately notifying me, and the rate increase itself was absurd. the company raised my 6 month policy by almost $1,000, even though I had had no tickets, claims, or accidents. When I called to ask why they had done that, they said it was a routine rate increase, plus they had decided to do away with discounts. When I asked why they hadn't notified me, they had no explanation. They had just started taking the extra money out of my direct deposit. Needless to say, they didn't return the money they took, so I ended up cancelling the policy and switching to another company that treats its policyholders with respect and transparency.
5
September 6, 2018

mwitt84

Recommend

Great rates and insurance. I just wish on the auto they offered monthly payments. I was only allowed to pay every 3 months.
4
December 15, 2017

anna2318

I like my insurance company

So far the service has been great, though rates have risen about $20 + over the past year and half, it is still very reasonable compared to other services I have had.
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