Stonegate Insurance Review
- With 1.1/5 stars in 2024, Stonegate is a poor insurance company.
- Read Stonegate reviews, complaints and prices before you buy.
Stonegate insurance: Ratings and reviews
Part of Producers National Corporation, Stonegate is one of several insurance companies operating in tandem. Available in Illinois and Arizona, Stonegate offers personal and commercial auto insurance policies. It's important to note that it's not entirely clear on Stonegate's website exactly where they are licensed, but The Zebra is able to sell their policies in the above states.
Stonegate insurance policies can be acquired through a network of independent agents, as online quoting is not yet available. Online information is not only sparse but confusing. Read on to learn more about what we know about Stonegate.
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Independent agents
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Not rated by many reputable third-party organizations
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Only available in two states
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No online quoting
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Limited online information
Is Stonegate a good insurance company?
The majority of The Zebra's review incorporates how well Stonegate scores in terms of customer service. In order to determine that we looked at the following third-party ratings.
BBB Customer Reviews: 1.33/5
- Stonegate has a 1.33/5 rating from Better Business Bureau customers[1]
Complaint Index: Below average
- The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for Stonegate[2]
The Zebra Customer Satisfaction Survey
Along with third-party ratings, The Zebra conducted our own customer experience survey in which we ranked which insurance companies are the best based on real customer feedback. However, we did not collect a sufficient amount of data on Stonegate for it to be included.
How much does Stonegate insurance cost?
Information on Stonegate average premiums is limited, which makes it hard to provide an accurate review and calculate a fair rating.
It's important to remember that several personal factors are considered when policies are written, and premiums will vary based on things like age, driving history, geographic location and vehicle type. It's worth getting a quote on auto insurance in your area to see if Stonegate can offer coverage within your budget.
Discounts offered
Keep in mind, that Stonegate has not listed any specific discounts on their website. The discounts listed below are some standard, common discounts on car insurance that most insurance companies offer.
- Multi-car: Insure more than one car on your policy to get a multi-vehicle discount.
- Good student: Providers will reward your good grades with a lower rate.
- Defensive driver: Prove you’re a safe, defensive driver by taking an approved course to save on your premium.
- Bundling: Pair another policy with your auto to qualify for this bundling discount.
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What types of coverage does Stonegate offer?
Auto insurance coverage options offered by Stonegate include the usual suspects: liability, collision, comprehensive, uninsured/underinsured motorist and medical payments. Detailed below are the two extra coverage options specifically stated on Stonegate's website:
- Roadside assistance:Â Stonegate will reimburse you for roadside services. If you find yourself needing roadside help, you may call the provider of your choice and be reimbursed.
- 12-month policy terms:Â Stonegate offers up to 12-month policy terms for Arizona and Illinois drivers.
To access state-specific policy terms, explore Stonegate's website here.
Additional lines of insurance
In addition to personal auto insurance, Stonegate claims to offer:
- Commercial auto insurance is available in Illinois only.
- Mobile/manufactured home insurance is available in Florida and Arizona.
Stonegate insurance: Summary
It's difficult to recommend Stonegate insurance as a viable option due to the extreme lack of information available. If you are an Illinois resident who prefers old-school methods and a no-frills policy, you may find Stonegate to be a worthy contender. However, there may be risks in choosing this one: Stonegate’s financial stability is still unknown and unrated, customer reviews are unfavorable and rates and discount opportunities are unclear. In short, The Zebra considers Stonegate to be a risky choice and advises that applicants look elsewhere.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:
- Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
- Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
- Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
- Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
- The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.
For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
These sample premiums are dynamic and automatically refresh whenever the newest data is made available.
To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.
For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Stonegate insurance: Frequently asked questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.