Is Stillwater Auto Insurance Legit?
Last Updated on October 16, 2026
Stillwater can be a good auto insurance option if you want standard coverage (liability, comprehensive, collision, and common add-ons) and the ability to bundle with home or renters insurance. Availability and pricing depend heavily on your state and driver profile, so it’s best to compare quotes with identical coverage limits before choosing a policy.
Stillwater Insurance Company and its affiliate are licensed in all 50 states and Washington, D.C., according to California’s most recent examination report. Being licensed in a state doesn’t mean every product is sold there, and specific coverages, discounts, and eligibility rules can vary by state and underwriting guidelines.
Our Review of Stillwater Insurance Group
2.4
out of 5
★★☆☆☆
Summary
Bottom line: Stillwater is worth a quote if you want to bundle auto with home or renters, but its B++ financial strength rating and above-average complaint rate put it behind many larger carriers.
Stillwater Insurance Group is licensed nationwide for personal and small commercial insurance and typically offers a standard auto coverage menu (liability, comprehensive, collision, and common add-ons) with the option to bundle with home, renters, or condo insurance. Coverage availability, discounts, and eligibility can differ by state and underwriting guidelines, so comparing quotes with identical limits and deductibles is the most reliable way to gauge value for your situation.
Best for
- Drivers who want standard auto coverage with common add-ons
- Shoppers considering bundling auto with home or renters insurance
- People willing to compare matched quotes across carriers in their state
Not ideal for
- Drivers expecting identical discounts and coverages in every state
- Shoppers who want a single, uniform national program with minimal variation
- Drivers who want an A-rated insurer with a low complaint record
- Our Review of Stillwater Insurance Group
- What Is Stillwater Insurance Group?
- Stillwater Insurance Products & Services
- How Does Stillwater Auto Insurance Work?
- What Makes Stillwater Auto Insurance Unique?
- Stillwater Auto Insurance Discounts
- Stillwater Reviews & Ratings: What Do Customers Have to Say?
- Final Word on Stillwater Insurance Group
- FAQs on Stillwater Auto Insurance
- Sources
What Is Stillwater Insurance Group?
Stillwater Insurance Group is a U.S. property and casualty insurance brand that offers auto and a range of home-related policies across the country. The company traces its roots to 2000, when it launched as Fidelity National Property and Casualty Insurance Group, and later rebranded under the Stillwater name. Its main underwriting company took the name Stillwater Insurance Company in October 2013. Since December 2020, William and Susan Haslam have been its ultimate controlling owners through WT Holdings, according to California’s insurance department.
Stillwater operates through affiliated companies and service entities. Depending on your state and product, your policy may be issued by a specific underwriting company within the Stillwater group, while customer service and billing may run through related service operations.
| Stillwater Auto Insurance at a Glance | |
|---|---|
| Best For | Drivers who want “standard” auto coverage and may also want to bundle with home, renters, or condo insurance |
| Where It’s Offered | Stillwater Insurance Company and its affiliate are licensed in all 50 states and Washington, D.C., according to California’s insurance department. Stillwater itself says coverages and discounts may not be available in all states |
| How to Buy | Typically through agents/partners, with online tools available in many situations |
| Financial Strength Snapshot | AM Best rates Stillwater Insurance Company B++ (Good) for financial strength, on a scale that runs from A++ down. AM Best affirmed that rating on June 17, 2026, and the outlook on the financial strength rating is stable. AM Best had lowered the financial strength rating from A- (Excellent) on April 16, 2025, citing underwriting losses that began in 2022 |
| Key Tradeoff | Smaller carrier than the biggest national brands, so experience can differ by region and claims complexity |
| Stillwater Insurance Contact Info | |
|---|---|
| How to Reach Stillwater | Customer service: (800) 849-6140, Monday to Friday 8 a.m. to 9 p.m. and Saturday 8 a.m. to 3 p.m. Eastern. Claims, 24 hours a day, 7 days a week: (800) 220-1351. Roadside assistance uses the same number (800) 220-1351, with code 23324, plan DV16A. You can also report a claim through the Self Service portal or the Stillwater mobile app. |
Stillwater Insurance Products & Services
Stillwater offers personal lines coverage (auto and property) plus select commercial products. Not every product is offered in every state, and eligibility depends on underwriting guidelines.
| Policy Type | What It’s For | Notes |
|---|---|---|
| Auto Insurance | Coverage to meet state-by-state auto insurance requirements, plus optional protection for your vehicle | Coverage options and discounts vary by state |
| Home Insurance | Dwelling, personal property, liability, loss of use, and related coverages for homeowners | Often offered with endorsement options that vary by location |
| Renters Insurance | Personal property and liability coverage for tenants | Often a straightforward bundle option with auto |
| Condo Insurance | Coverage for unit owners (personal property, liability, interior building items) | Master policy details affect what you need |
| Landlord Insurance | Property and liability coverage for rental homes | Designed for non-owner-occupied dwellings |
| Umbrella Insurance | Extra liability protection over auto/home | Learn how umbrella insurance works before choosing limits |
| Business Insurance | Coverage for small businesses (varies by state/program) | Often sold through agents/partners |
How Does Stillwater Auto Insurance Work?
Stillwater auto insurance works like most “standard market” policies: you select liability limits, choose deductibles for physical damage coverage, and add optional protections based on your needs. You can purchase minimum coverage auto insurance to meet legal requirements or upgrade to full coverage car insurance for broader protection.
Common Stillwater Auto Insurance Coverages
| Coverage | What It Typically Pays For | When It Matters Most |
|---|---|---|
| Liability | Injuries and damage you cause to others (including bodily injury liability and property damage liability) | Required in nearly every state; higher limits help protect assets |
| Collision | Repairs to your vehicle after hitting another vehicle or object (subject to your deductible) | Especially important for newer vehicles or financed cars |
| Comprehensive | Non-collision losses like theft, vandalism, hail, fire, or animal damage (subject to your deductible) | Helpful in areas with weather risk or higher theft rates |
| Uninsured/Underinsured Motorist | Your injuries (and sometimes property damage) when the at-fault driver has little or no coverage | Important in states with higher uninsured driver rates |
| Medical Payments | Medical bills for you and passengers after an accident, regardless of fault | Can help with out-of-pocket medical costs; may cover items like ambulance rides depending on the claim |
| Personal Injury Protection | Medical bills and related expenses after an accident (where available/required) | Most relevant in no-fault states or where PIP is required |
| Rental Reimbursement | A rental car while your vehicle is being repaired after a covered loss | Useful if you rely on one vehicle and repairs may take time |
| Towing/Roadside | Towing and limited roadside services after certain breakdowns or covered events | Helpful if you don’t already have roadside coverage elsewhere |
What Factors Affect Stillwater Auto Insurance Rates?
Stillwater (like most insurers) prices auto insurance based on underwriting factors such as your state and ZIP code, driving record, vehicle type, annual mileage, garaging address, prior insurance history, and selected coverage limits and deductibles. In many states, insurers may also consider credit-based insurance scores where allowed by law.
Quick tip: When comparing quotes, match the same liability limits, deductibles, and add-ons (rental, roadside, UM/UIM). A cheaper price often reflects lower coverage—not a better deal.
If you’re mainly shopping on price, compare Stillwater against other carriers that compete for value-focused policies in your state, including options listed in our guide to the cheapest auto insurance companies.
What Makes Stillwater Auto Insurance Unique?
Stillwater isn’t as recognizable as the largest national auto insurers, but it competes by offering standard coverages, bundling opportunities, and agent-supported purchasing in many markets. The company also emphasizes online self-service tools for tasks like billing and documents.
| Potential Strengths | Potential Tradeoffs |
|---|---|
| Licensed in all 50 states and D.C., with auto and home-related products under one brand | Coverage options and discounts can vary significantly by state and underwriting company |
| Standard coverage menu (liability, comp/collision, UM/UIM, rental, towing) | May not appear in large national satisfaction studies that focus on the biggest insurers |
| Bundling may be available (auto + home/renters/condo/umbrella) | AM Best cut Stillwater’s financial strength rating from A- to B++ in April 2025. That rating now has a stable outlook, while AM Best’s separate long-term issuer credit rating for the company (bbb+) has a negative outlook, so check the current ratings before buying |
Stillwater Auto Insurance Discounts
Stillwater’s auto insurance page names eight discounts: accident/violation free, good driver, good student, multi-car, multi-policy, paid-in-full, paperless, and theft protection and safety device. It says coverages and discounts may not be available in all states and gives no amounts, so ask your agent which ones apply to your policy and how much each one is worth.
| Discount to Ask About | How Insurers Commonly Define It | Questions for Your Stillwater Agent |
|---|---|---|
| Accident/Violation-Free | A clean driving record for a set period | Do you offer this in my state? How far back do you look (for example, 3–5 years), and which incidents count? |
| Good Driver | Strong driving history and/or fewer violations | Do you offer this in my state, and can eligibility change at renewal? |
| Good Student | Qualifying grades for eligible students | Do you offer this, and what proof do you need (report card, transcript)? |
| Multi-Car | Two or more vehicles on one policy | Do you offer this, and do the vehicles have to be garaged at the same address? |
| Multi-Policy | Bundling auto with home/renters/condo/other eligible policies | Which policy combinations, if any, earn a discount in my state? |
| Paid in Full | Paying the policy term in one payment | Is there a paid-in-full discount, and do installment fees apply if I pay monthly? |
| Paperless Billing | Opting into electronic documents/billing | Is there a paperless discount, and is autopay required for it? |
| Anti-Theft Devices | Qualifying factory or aftermarket theft deterrents | Do you offer this, which devices qualify, and what proof do you need? |
| Safety Features | Airbags, anti-lock brakes, driver assistance, etc. | Do you offer this, which features qualify, and do they have to be factory-installed? |
Stillwater Reviews & Ratings: What Do Customers Have to Say?
Customer experiences with any insurer tend to cluster around two areas: billing/service responsiveness and claims outcomes. Stillwater is no exception—online feedback can be mixed, and your experience can depend on your state, the type of claim, and the repair or contractor network involved.
Financial Strength and Third-Party Signals
Before choosing any insurer, it’s smart to look at financial strength ratings (which measure an insurer’s ability to pay claims over time) and to separate those ratings from consumer “star reviews.” Financial strength ratings can change, so check the current rating for the specific underwriting company on your policy.
| Source | What It Measures | Where to Verify |
|---|---|---|
| AM Best | Insurer financial strength and creditworthiness | AM Best Rating History for Stillwater Insurance Company |
| BBB | Business practices and responsiveness (not claims-paying ability) | Better Business Bureau Profile |
| Demotech | Financial stability ratings (commonly referenced for property insurers) | Stillwater Accreditations & Awards |
How to Evaluate Stillwater for Your Situation
If you’re considering Stillwater, compare two to three quotes using the same coverage limits and deductibles, then confirm:
- Which underwriting company will issue the policy in your state
- Whether important coverages (UM/UIM, rental, towing, PIP) are available and priced the way you expect
- How claims are reported and what documentation is required
- Whether discounts are applied automatically or require proof
Final Word on Stillwater Insurance Group
Stillwater Insurance Group can be a practical choice for drivers who want standard auto coverage and may also want to bundle home-related insurance under one brand. The best way to decide is to compare quotes with matching coverage and to confirm the current financial strength rating for the underwriting company that will appear on your declarations page.
To get started, you can request a quote through Stillwater’s website or work with an agent who can compare Stillwater against other carriers in your area.
My advice is to look up the AM Best rating for the exact company named on your quote before you buy, since Stillwater was downgraded in 2025. Then get two other quotes with the same limits and deductibles. If Stillwater is not clearly cheaper, I would lean toward a carrier with a stronger rating.
FAQs on Stillwater Auto Insurance
Sources
Checked October 14, 2026
- AM Best — Stillwater Insurance Company Company Profile, June 17, 2026
- AM Best — AM Best Downgrades Credit Ratings of Stillwater Insurance Company and Subsidiary, April 16, 2025
- California Department of Insurance — Stillwater Insurance Company Examination Report as of December 31, 2022
- Stillwater Insurance — Auto Insurance
- Stillwater Insurance — Contact Us
- Stillwater Insurance — Claims
- Demotech — Demotech Affirms the Financial Stability Rating Assigned to Stillwater Insurance Company, October 12, 2023
- Better Business Bureau — Stillwater Insurance Group Business Profile
