State has retained its Insurer of the Year Car Insurance Award for the third year in a row due to the insurance provider's consistent, competitive performance across all the driver profiles in our research analysis, and for its market-leading performance in our customer satisfaction assessment.
State's customers highlighted the insurance provider's high levels of service and communication, and the comprehensiveness of its cover as key areas of satisfaction.
This year, State reduced its standard excess from $500 to $300. However, to enable like-for-like comparison across providers, we quoted at $400 for our research.
But even at the higher excess, State's premiums remained stable year on year and sit well below the market average: around 8-9% for 25-29 and 30-49 year olds, and 18-25% for our Under-25s, Family and 50+ profiles.
State also removed its age excess for young drivers, so Under-25s pay the same as everyone else at claim time.
On features, State's comprehensive policy stands out for:
- Excess-free careless driving defence costs, covered up to $10,000.
- Excess-free keys and lock replacement for claims up to $500.
- Transport home for the driver, passengers and any domestic pets, plus up to $750 for one night's accommodation, if the car is undrivable after an accident.
