State Insurance Review

Read our State Insurance review to discover what we love about this brand, quick facts about the company, and compare their pricing. Click here to check if they currently have any discounts or promotions.

State Insurance Review

State Insurance is the sister brand to AMI, one of the many brands under the IAG umbrella. State is one of the most well-known insurance brands, but that doesn’t necessarily mean they are the best. I’ve had insurance policies with AA Insurance, Initio, Cove, Southern Cross, but never State Insurance. To right this review I’ve relied on scouring the internet for a few days and reading hundreds of State reviews others have left online, and talking with friends and family who are customers.

Read our State Insurance review below to get a better idea of what we think about the brand, their products, and their pricing.

While reading this review please keep in mind that this isn’t personalized financial advice, nor is it written specifically for you and your personal circumstances. Be sure to do your own research before committing to any policy.

What we love (and don't love) about State

State is one of the more well known brands in New Zealand when it comes to the insurance industry. If you haven’t heard of them you’ve probably been living in a cave. As with most insurance companies in NZ, State has some skeletons in their closet, and a quick glance over the past 5 years news headlines will reveal these.

However, they are also a trusted brand and thousands of customers have had a great experience with them. As part of writing this State Insurance review we’ve scoured the internet and noted down a few things to love about State, and a few things we don’t love so much. Check these out below…


Don’t love…

Quick facts about State

There is a lot to read on this page, so we’ve condensed the main points of our State Insurance review down into a few bullet points.

Compare State Insurance Pricing


State Insurance Reviews from Around the Web

When writing this review our team took a look at all the reviews and testimonials on the State website, but also looked for reviews on third party websites like Google, Reddit, Feefo, and Trust Pilot. We’ve picked out some of these below to share with you. We tried to find a good mix of both positive and negative State Insurance reviews to share here so you get a nice well-rounded understanding of how Kiwis view this brand.

State Reviews on Google

State Insurance is currently not allowing people to review their brand on Google. For this reason, there are no State reviews shared here from this platform.

State Reviews on Discussions Forums

There are a number of State reviews on Reddit and Trademe discussion forums. We've copied a few for you to read. One user on Reddit has commented "Do NOT use state, they try everything to make you pay excess and take the easiest route with everything. They amount of money I have paid them over the years has not been worth the stress they put me through.". Another user commented "I usually shop around every year for car insurance to try and get the best deal. I've previously had State, they were good. And with Vero through my banks. Also no problems. I've gone with Cove for the last year."

State Reviews on Feefo / Trust Pilot

As with Google, there are no State Insurance reviews on Feefo or Trust Pilot.

state insurance policies

What Products Does State Offer?​

State has been around for a long time, and over this time they’ve been able to release a full suite of insurance products. This means you’ll find car, contents, house, landlord, motorbike, caravan, trailer, boat, travel, and contract works insurance all listed on their website.

State Car Insurance Review

Like most car insurance companies in NZ, State offers comprehensive car insurance, third party, and third party fire and theft. State offers “online discounts” of between $10 and $50 when you buy online from their website. State also offers Business Vehicle Insurance, which is worth checking out if you use your vehicle for any sort of commercial purposes. State is also the only general insurance company in NZ that offers Flybuys on car insurance.

Get an State car insurance quote

State Home Insurance Review

State offers two different home insurance policies: home comprehensive, and home essentials. Home Comprehensive provides the greater level of cover, and covers your home up to the amount you choose to insure it for. Home Essentials is the cheaper form of home insurance and covers you for just the essentials, as the name suggests. With Home Essentials from State, you’ll be covered up to present value or the amount you insured your home for (whichever is less), if your home is covered by certain events.

Get an State home insurance quote

State Contents Insurance Review

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Get an State contents insurance quote

Frequently Asked Questions about State

0800 80 24 24 is the main number for information, quotes, payments, and claims. 0800 10 11 12 is the number for State Roadside Rescue.

Visit their website using any of the links on this page and you’ll be able to lodge a claim, or call their 0800 number as seen above.

State Insurance is owned by Insurance Australia Group (IAG). This is the same company that owns AMI Insurance, NZI, and underwrites many of the insurance products you can buy at banks in New Zealand.

Wikipedia states that State was founded in 1905.

State Insurance manages approximately 900,000 policies for more than 400,000 New Zealanders.

That’s up to you. If you do need to cancel your State Insurance policy you can do this via their online self service portal, via their Live Chat, or their 0800 number which is 0800 80 24 24.

No idea. If you’ve forgotten how to Login in to your My State account head to their website, navigate to the Login page, then click Forgot your Password.

Sure can. In fact, we recommend getting a State quote online. It’s the fastest way to figure out how much it would cost to insure through State.

I always prefer getting a quote from State online. Their website is pretty slick, and there are plenty of people moaning about how slow their call centre is to pick up the phone if you check out some feedback on their Facebook page. You can get a State Insurance quote online for most of their products. For car, home, and contents it is super easy. For more complex products, like some forms of business insurance, you’ll have to pick up the phone.

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