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Rating from CANSTAR

Our Take

State Insurance, a well-established name in New Zealand and owned by IAG, offers robust car insurance options with a focus on digital self-service and a simple claims process. It's known for reliability, but offers fewer personalized options than competitors like AA Insurance.

👍 Pros

• Solid financial backing (IAG).
• Online quote and claim services available.
• Good multi-policy discount options.
• 24/7 claims support hotline.

👎 Cons

• Fewer optional extras compared to boutique insurers.
• Service can vary during peak periods.
• No driver tracking or telematics features.

State Car Insurance Review

insurspy rates State 4.1 out of 5. Known for its simplicity, trustworthiness, and straightforward policies, State is a popular choice for budget-conscious families and long-time homeowners. Its platform is easy to navigate, and customer service is generally reliable.

Is State a Good Car Insurance Company?

Yes, especially for drivers who want an established provider with no-fuss digital access. It's not the most flexible, but it's dependable.

How Much Does State Insurance Cost?

State sits in the mid-range for New Zealand car insurance pricing. You can save more by bundling with home or contents policies.

Discounts

• Multi-policy discount (up to 20%)
• No-claims bonus
• Online quote discount
• AA Member perks (for roadside)

Coverage Options

• Third Party
• Third Party Fire & Theft
• Comprehensive

Optional Add-ons: Roadside Rescue, Glass Cover, Rental Car, Agreed Value

Industry Ratings

• AM Best (IAG): A
• Canstar: 5 stars (2024)
• Customer Feedback: Generally positive

Customer Reviews

1.8 / 5 (109 Reviews from NZ Trustpilot)

⭐⭐⭐⭐⭐ – 10%
⭐⭐⭐⭐ – 1%
⭐⭐⭐ – 1%
⭐⭐ – 4%
⭐ – 84%

Contact State Insurance

• Customer Service: 0800 80 24 24
• Website: www.state.co.nz

Methodology

insurspy evaluates insurers annually based on customer reviews, digital tools, coverage options, and support quality. Scores reflect real user feedback and expert analysis.