Is Stillwater Auto Insurance Legit?

Last Updated on August 13, 2021

Stillwater Insurance Group offers a range of home, auto, renters, condo, and business insurance products across the United States.

Serving all 50 states, Stillwater Insurance Group consists of three separate companies, including Stillwater Insurance Company, Stillwater Insurance Services, and Stillwater Property and Casualty company.

Is Stillwater good for auto insurance? Should you buy your next car insurance policy through Stillwater Insurance Group? Keep reading to discover everything you need to know about Stillwater’s auto insurance products and services.

Table of Contents:

What Is Stillwater Insurance Group?

Stillwater Insurance Group is an American insurance company headquartered in Jacksonville, Florida. The company offers insurance products and services in all 50 states.

Today, Stillwater Insurance Group maintains offices in Jacksonville, Florida; Omaha, Nebraska; and Santa Barbara, California. In addition to selling auto insurance, Stillwater Insurance Group offers home, renters, condo, business, and landlord insurance, among other products.

Stillwater Insurance Group was founded in 2000 as Fidelity National Property and Casualty Insurance Group. After several acquisitions over the years, the company has moved its auto and home insurance division forward under the name Stillwater Insurance Group since 2016.

Today, you can buy Stillwater Insurance Group products and services through several subsidiaries, including Stillwater Insurance Services, Stillwater Insurance Company, and Stillwater Property and Casualty Insurance Company. The company employs more than 250+ people across its three offices, serving customers in all 50 states.

Stillwater Insurance Contact Info
Address6800 Southpoint Parkway, Suite 700
Jacksonville, FL 32216
Phone Number(855) 712-4092
HoursM-F: 8am - 9pm EST
Sat: 8am - 3pm EST

Stillwater Insurance Group Insurance Products & Services

Stillwater Insurance Group offers a range of insurance products and services, including all of the following:

Auto Insurance: Stillwater Insurance Group is well-known for its auto insurance products and services. You can buy minimum liability coverage in all 50 states with Stillwater Insurance Group. Or, you can buy full coverage car insurance, collision coverage, and other options.

Home Insurance: Stillwater offers home insurance throughout the United States, including basic homeowners insurance policies with personal liability, loss of use, medical payments, personal property, dwelling, and other structure coverages. You can also customize your home insurance policy with extended replacement policies, animal liability coverage, identity theft expense recoupment, personal injury coverage, scheduled personal property coverage, special personal property coverage, and water back-up coverage, among other options.

Renters Insurance: Stillwater offers renters insurance to protect your possession and other costs as a renter. You can buy Stillwater renters insurance to cover losses from theft, fire, smoke, storm damage, water overflow, and electrical surges. Stillwater’s renters insurance also includes personal liability coverage, medical coverage, and additional living expense coverage, among other options.

Condo Insurance: Stillwater’s condo insurance includes personal liability coverage, medical payments coverage, dwelling coverage, loss of use, and personal property coverage, among other options.

Business Insurance: Stillwater offers business insurance policies across the United States, including business owners policies (BOPs) that cover small and medium-sized businesses. Businesses can buy property coverage, business income coverage, liability coverage, and other coverage options through Stillwater.

Landlord Insurance: Stillwater’s landlord insurance covers your house, garage, shed, and other structures. It also includes fair rental income coverage, liability coverage, and other risks that would normally be ineligible for normal home insurance when occupied by a tenant.

Umbrella Insurance: Umbrella insurance extends beyond your auto and home insurance policies to provide additional coverage against liability. Stillwater Insurance Group offers umbrella insurance policies with limits ranging from $1 million to $5 million.

How Does Stillwater Auto Insurance Work?

Stillwater offers auto insurance in all 50 states. Stillwater’s auto insurance works similar to the auto insurance provided by other companies. You can buy minimum liability insurance to meet your state’s minimum requirements. Or, you can buy full coverage car insurance, comprehensive and collision coverage, and other extended coverage options.

Here are some of the auto insurance policies offered by Stillwater Insurance Group:

Liability Coverage: Most states require drivers to carry a certain minimum amount of bodily injury liability coverage and property damage liability coverage. These coverages pay for damage you cause to other people and property. Stillwater’s auto insurance can meet or exceed the minimum liability coverage requirements in your state.

Collision Coverage: Stillwater’s collision coverage pays for physical damage to your car when it collides with another object, including trees or other vehicles.

Comprehensive Coverage: Comprehensive coverage compensates you if your car is stolen or damaged by something other than a collision with another vehicle, including fires, floods, and collisions with animals.

Uninsured and Underinsured Motorist Coverage: Stillwater offers uninsured and underinsured motorist coverage that compensates you if you’re in an accident caused by someone with little or no insurance.

Rental Reimbursement Coverage: Rental reimbursement coverage covers the cost of renting a vehicle if your car is being repaired in a collision or comprehensive claim.

Towing Coverage: Stillwater’s towing coverage reimburses you if your car needs to be towed to a shop for a covered repair.

Medical Payments Coverage: Stillwater’s medical payments coverage pays for necessary medical treatments and other costs following an accident, including ambulance costs, X-rays, and nursing care, among other expenses.

Personal Injury Protection: Also known as PIP, personal injury protection pays medical bills for any person injured in your vehicle in an accident, regardless of fault. Stillwater offers personal injury protection only in select states.

What Makes Stillwater Auto Insurance Unique?

Stillwater isn’t as well-known as its larger competitors. However, the company aims to differentiate itself from the competition with several unique features, including:

Available in All 50 States: While other small insurers focus on subregions or specific states, Stillwater serves customers in all 50 states.

Small Insurer: Stillwater employs around 250 people at its three offices, making it much smaller than some of its larger competitors.

Cheap Rates: Many customers praise Stillwater for its cheap insurance prices, finding that it’s one of the more competitively-priced insurance companies in certain states and subregions, including Florida and the Gulf Coast.

Stillwater Auto Insurance Discounts

Stillwater offers similar auto insurance discounts to other major insurance providers. Drivers can qualify for multi-vehicle discounts, paid-in-full discounts, and other discounts, including:

Accident and Violation Free Discount: If you have zero accidents or violations in the past three to five years, then you could qualify for Stillwater’s accident and violation-free discount.

Good Driver Discount: Drivers with a proven history of safe driving will qualify for Stillwater’s good driver discount. Requirements for this discount vary between states.

Good Student Discount: Students who maintain good grades in high school or college may qualify for Stillwater’s good student discount. Typically, you need to be a full-time student under 25 with an average of B+ or better to qualify for this discount.

Multi-Car or Multi-Policy Discounts: Drivers who have multiple policies with Stillwater, or drivers who insure multiple cars with Stillwater, will qualify for a multi-policy discount.

Paid in Full Discount: If you pay your Stillwater insurance policy upfront every six or twelve months, then you could qualify for Stillwater’s paid in full discount.

Paperless: Sign up for Stillwater’s paperless billing to receive a small discount on your annual auto insurance premiums.

Theft Protection & Safety Device Discount: If your vehicle has an anti-theft device or additional safety features, then you could qualify for an extra discount with Stillwater Insurance Group.

Stillwater Reviews & Ratings: What Do Customers Have to Say?

Stillwater Insurance Group has average to good ratings from customers across the United States. However, the company was founded in 2000, making it newer and lesser-known than many of its larger competitors.

Stillwater Insurance Group has an “A-”(Excellent) rating from AM Best. AM Best assesses the financial strength of insurance companies across the United States. Stillwater also has an A (Exceptional) rating from Demotech and an A+ rating from the Better Business Bureau.

Because Stillwater Insurance Group is smaller than many of its competitors, it does not appear on J.D. Power’s nationwide or regional rankings. J.D. Power ranks the top 20 insurance companies in the United States and certain subregions based on claims satisfaction.

Stillwater has an average rating of 2.60 stars out of 5 from Clearsurance, which aggregates reviews from across the internet. WalletHub, meanwhile, has an average rating of 1.8 stars out of 5 with 60+ customer reviews, with the vast majority (76%) of reviews being 1-star reviews.

Generally, customers online praise Stillwater for its competitive prices and range of insurance products and services. However, customers complain about poor claims satisfaction and claims handling – particularly for homeowners insurance claims.

Final Word on Stillwater Insurance Group

Stillwater Insurance Group is a Florida-based insurance company offering home insurance, auto insurance, and other insurance products throughout the United States.

To learn more about Stillwater’s auto insurance products and services, or to buy Stillwater insurance products online today, request a quote online through

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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