AutoOne Car Insurance Review [2021]

AutoOne was sold by One Beacon in 2012. They later became Maidstone Insurance Company. They are now in liquidation and are closed due to further notice due to Coronavirus.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 19, 2021

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Company Details
Address: 155 Mineola Blvd
City: Mineola
State: NY
ZIP Code: 11501
Phone Number: 800-418-3280
Year Founded: 1988
AM Best Rating: A+
Company Rating 0 (0 reviews)

AutoOne was sold by One Beacon in 2012. They later became Maidstone Insurance Company. They are now in liquidation and are closed due to further notice due to COVID-19.

Here's what you need to know...

  • AutoOne sells personal and commercial insurance in 22 states.
  • AutoOne was bought by Maidstone Insurance Company in 2012.
  • Maidstone Insurance Company is a subsidiary of Standard Diversified Inc.

Getting an AutoOne insurance quote won’t be possible, because AutoOne Car Insurance (review below) was bought by Maidstone Insurance Company in 2012. Maidstone has liquidated into Standard Diversified Inc. in 2020 and serves as a subsidiary.

However, we can still give you an idea of how much car insurance rates across the US would be if you’re getting a policy from Maidstone thanks to this AutoOne insurance Review.

If you currently have AutoOne car insurance and want to compare rates in your local area, enter your ZIP code in the FREE comparison tool above!

Are AutoOne car insurance rates competitive?

You won’t be able to find any AutoOne car insurance quotes, because the company has been liquidated into Maidstone. Therefore, any auto insurance quotes you get for AutoOne from this point forward will be from Maidstone or its parent company, Standard Diversified Inc.

Continue to the next section to see the AutoOne insurance availability by state.

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What is AutoOne car insurance availability by state?

AutoOne Insurance sells insurance in 22 states.

  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Idaho
  • Maine
  • Montana
  • New Mexico
  • New Jersey
  • New York
  • Nevada
  • Oregon
  • Pennsylvania
  • South Carolina
  • Texas
  • Utah
  • Vermont
  • Washington
  • Washington D.C.
  • West Virginia
  • Wyoming

We may not have access to cheap insurance quotes from AutoOne car insurance, but we can provide average annual rates for car insurance for each state that AutoOne Insurance serves. Let’s look at those car insurance rates now.

Average Annual Car Insurance Rates in States with AutoOne Insurance
StatesAverage Annual Rates
West Virginia$2,595.36
Maine$2,953.28
Idaho$2,979.09
Wyoming$3,200.08
Montana$3,220.84
Vermont$3,234.13
New Mexico$3,463.64
Oregon$3,467.77
Utah$3,611.89
California$3,688.93
Arizona$3,770.97
South Carolina$3,781.14
Colorado$3,876.39
Pennsylvania$4,034.50
Texas$4,043.28
New York$4,289.88
Washington D.C.$4,439.24
Connecticut$4,618.92
Nevada$4,861.70
New Jersey$5,515.21
Delaware$5,986.32
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West Virginia is the least expensive state for car insurance, so any AutoOne car insurance rates that are out there may be cheaper for West Virginia residents.

What AutoOne car insurance coverages are offered?

There’s no way for you to determine what specific car insurance coverages are offered by AutoOne Insurance. What you can expect from the best car insurance companies are the minimum requirements for car insurance, which is liability coverage.

Liability coverage pays for bodily injury and property damage of somone else that’s involved in an accident.

Liability coverage protects you from spending your finances out of your own pocket, but you will have to pay higher car insurance rates after an accident.

The following video includes more information about liability coverage.

Collision and comprehensive coverages help you repair your car insurance regardless if you are at fault or if your car is damaged by an event out of your control. Most car insurance companies, even small insurance companies, have collision and comprehensive coverage.

Let’s break down general coverage rates per year for each state where AutoOne Insurance is located.

Average Car Insurance Coverage Rates by States That Have AutoOne Insurance
StatesAnnual Liability RatesAnnual Collision RatesAnnual Comprehensive Rates
Arizona$543$281$189
California$504$402$99
Colorado$542$289$185
Connecticut$685$374$132
Countrywide$555$326$148
Delaware$808$319$122
Idaho$368$222$118
Maine$353$267$101
Montana$400$266$225
Nevada$716$308$115
New Jersey$896$383$127
New Mexico$510$279$175
New York$823$393$169
Oregon$609$230$93
Pennsylvania$509$331$146
South Carolina$554$269$182
Texas$550$380$207
Utah$510$269$112
Vermont$357$303$131
Washington$610$268$108
Washington D.C.$663$471$231
West Virginia$508$332$204
Wyoming$341$277$253
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New Jersey has the most expensive liability insurance rates, while Wyoming has the cheapest liability rates. Idaho has the cheapest collision rates, while Washington D.C. carries the most expensive collision insurance rates.

The most expensive state for comprehensive car insurance is Wyoming, and Oregon has the cheapest comprehensive coverage.

Let’s watch a video that explains the difference between collision and comprehensive coverage.

You can still do something about your injuries under personal injury protection (PIP) and medical payments (MedPay). These are two additional liabilities that pay for bodily injury and medical bills regardless of fault in an accident.

Here’s another video that explains the difference between PIP and MedPay.

Uninsured/underinsured motorist coverage is another additional liability that protects you from drivers who don’t have insurance and drivers who don’t have enough on their coverage limit.

What are AutoOne Insurance’s bundling options?

We visited AutoOne’s website and found that the insurance company offers car insurance and homeowner’s insurance. You may be able to bundle a car insurance policy with a homeowner’s insurance policy.

Insurance companies want your business. So, if you own your home, they will extend another insurance offer and promise discounts to your car insurance policy. But does bundling insurance save you money? Here’s a video that explains the pros and cons of bundling insurance.

You can save money by bundling insurance, but it won’t hurt to shop around for other insurance options such as renter’s insurance.

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What are the discounts offered by AutoOne Insurance?

Discounts are the road to cheap auto insurance. However, AutoOne Insurance does not list any discounts on their website. We can briefly explain general discounts that car insurance companies usually provide their customers.

Multi-Car Discounts

You can be eligible for a multi-car discount when there is more than one car on your car insurance policy. This is common when parents and their children are on the same policy.

When adult children or other family members are on the policy, you may be eligible for a family plan (not available for all insurance companies). You can up to 15% under multi-car discounts, and 25% for family plan discounts.

Student Discounts

Student discounts can make car insurance for parents much cheaper. Without discounts, car insurance rates are more expensive. Let’s look at car insurance rates by age without the influence of car insurance discounts.

Average Annual Car Insurance Rates by Driver Age
Driver's AgeAverage Annual Rates
17-Year-Old Driver$8,293
21-Year-Old Driver$4,453
25-Year-Old Driver$3,207
35-Year-Old Driver$2,447
60-Year-Old Driver$2,275
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Car insurance for 17-year-old drivers is so expensive, it rivals the cost of some tuitions. Expect car insurance rates to be even more expensive if you have a 16-year-old driver. A good student discount will shave off some of the higher-than-average cost.

A student must have a 3.0 GPA or better for you to eligible.

Also, a student that’s away from home will make you eligible for a distant student discount. To save even more money, have your child take a defensive driving course or accident prevention course.

Safety Feature Discount

Some car insurance companies offer discounts based on the safety features of the vehicle. Any feature that alerts your vehicle of a collision, slows down theft, provides airbags, etc. will make you eligible for a discount.

Good Credit Discount

Did you know your credit history determines your car insurance rates? Car insurance companies correlate your credit history with risk. If you have good credit, you’ll be eligible for a major discount. Here are some general average annual car insurance rates based on credit history.

Average Annual Car Insurance Rates by Credit History
Credit HistoryCar Insurance Rates
Good$3,166/year
Fair$3,687/year
Poor$5,151/year
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Under a good credit discount, you can pay nearly $500 less than those with fair credit and nearly $2,000 less than those with poor credit.

Clean Driving Record Discount

You have a clean driving record, you may be eligible for a discount. Although AutoOne Insurance doesn’t talk about its discounts, we’ll show you general annual rates for those with a clean driving record and compare it to other violations.

Average Annual Car Insurance Rates by Driving Record
Driving RecordAverage
Annual Rates
Increase After
One Violation
Clean record $3,371.35$0
1 Accident $3,552.72$181
1 Speeding violation$4,722.77$1,351
1 DUI$6,131.51$2,760
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People with a clean driving record have the cheapest car insurance available. If you combine other discounts with others, you can save a lot on car insurance.

AutoOne may not have these discounts, so you’ll have to speak with an AutoOne Insurance or Maidstone Insurance Company agent to see what discounts are available.

Car insurance quotes comparison is easy with our FREE comparison tool. Enter your ZIP code in the dialog box to start comparing car insurance rates in your local area.

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What programs are available from AutoOne Insurance?

AutoOne Insurance is tight-lipped about their coverages and discounts. It appears the company doesn’t provide detailed information online, but you may be able to get information from AutoOne or Maidstone through an agent over the phone or in-person.

Common car insurance programs are accident forgiveness and usage-based insurance. Accident forgiveness is a program that will prevent your car insurance rates from increasing after one accident. Some car insurance companies allow customers to pay for accident forgiveness, while other companies give you accident forgiveness when you sign up.

Usage-based car insurance is paying for car insurance based on how you drive and how often you drive. Some of the biggest car insurance companies have this type of insurance and monitors a customer through a tracking device and a smartphone app.

AutoOne Insurance doesn’t appear to have either. You’ll have to ask an AutoOne agent to learn more about its programs.

How do you cancel your AutoOne car insurance policy?

It can be difficult to cancel your car insurance policy online when there’s not a lot of information on the website. AutoOne Insurance has little to no information about how to cancel from its website. If you get billing statements in the mail, you can contact AutoOne Insurance from the phone number on your bill.

Because there’s no information, we’ll provide you with methods on how you get to cancel your car insurance policy with AutoOne Insurance. But first, let’s talk about what happens when you do cancel your car insurance policy.

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Do you get charged for canceling car insurance?

Some car insurance companies won’t issue any cancellation fees. However, some companies issue a $50 fee or a short rate fee. A short rate fee is at least 10% of the remaining car insurance policy rate that you agreed to pay.

If I cancel my car insurance, will I get a refund?

If you paid your car insurance policy in full for the year or for the duration of the policy period, you may be entitled to a refund. Paying for a car insurance policy in full eliminates all the monthly payments that you would normally pay. Therefore, you will receive a refund if you cancel. How much you get back depends on how long you had the policy.

How can I cancel a car insurance policy?

You can cancel your policy by simply telling your car insurance company that you want to cancel over the phone. If there’s an e-mail address on your billing statement, you can send your request to cancel your car insurance or send a certified letter to the company’s physical address.

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Can you cancel your car insurance policy at any time?

You can cancel your car insurance at any time, but there may be a penalty. To avoid penalties, cancel your car insurance policy on a specific date. Ideally, you want to cancel your car insurance policy 15 to 30 days after you announce that you want to cancel. This will give an opportunity to find another car insurance company or time to change your mind.

How do you make an AutoOne car insurance claim?

The best way to make an AutoOne car insurance claim is to call customer service listed on your billing statement. The AutoOne Insurance claims phone number is not listed, but Maidstone Insurance’s customer service number is shared on its website. You can reach Maidstone customer service at 1-800-418-3280.

How do AutoOne car insurance ratings compare?

It’s hard to find AutoOne Insurance ratings because Maidstone was formerly known as AutoOne Insurance Co. As reported on the S&P Global website, the company was renamed after the merger of AutoOne, and Maidstone was finalized in December 2015. However, we managed to find some ratings for you.

AutoOne Insurance (Maidstone) Car Insurance Ratings
Rating AgencyCar Insurance Rating
A.M. BestA+
Moody'sA2 (withdrawn in 2013)
NAIC Complaint Index0
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The “A+” rating under A.M. Best means a “superior ability to meet its ongoing insurance obligations.” Moody’s “A2” rating is the sixth-highest rating and is considered as an upper-medium grade that says a company is subject to low credit risk.

The last rating is from the National Association of Insurance Commissioners (NAIC). The complaint index measures the number of complaints made by the number of complaints resolved by an insurance company. Maidstone has a complaint index of 0.

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What is the bottom line?

The AutoOne Insurance Co. has totally merged with Maidstone Insurance Company, and Maidstone has recently been liquidated into a much larger company. If you happen to have Maidstone car insurance or home insurance, you still have to make payments as the company figures out how the company wants to carry the business.

If you’re not sure where the company is going, start looking for car insurance. Use our FREE comparison tool to compare cheap insurance quotes to your current AutoOne car insurance policy. Enter your ZIP code in the dialog box below to get started.

For the final section of this guide, we’ll explore frequently asked questions that you see across the web. Visit our other articles, guides, and reviews by clicking the logo at the top left of this webpage.

Who has the cheapest car insurance?

According to reports across the web, Geico is the cheapest auto insurance company.

Is it safe to get car insurance quotes online?

Yes. For example, Auto-Owners Insurance, Safe Auto Insurance, Mercury Auto Insurance quotes can be obtained online. It’s safe and easy to use. The website saves your quote so an agent references it when you finally sign up.

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Is Safe Auto a good insurance company?

Safe Auto provides insurance in 17 states. Whether the company is good or not is up to the customer. For the most part, Safe Auto has maintained its company and is making strides to grow.

Is Say Insurance legit?

Yes. The company is legit but it has a complaint index of 10.86. Shop around for insurance before you make a final decision.

Is Provide Savings legit?

Yes. It’s legit. The website connects you to car insurance companies that are close to you. Try shopping around on your own. Our FREE comparison tool can do that for you.

Who has the cheapest car insurance in South Carolina?

Geico is the cheapest auto insurance company in South Carolina.

What is the number one insurance company?

Insurance company rankings are determined by market share. According to the Insurance Information Institute, State Farm has the largest market share, which lists it as the number one insurance company.

Is there low-income car insurance?

Yes. Low-income car insurance is only available in California, Hawaii, and New Jersey.

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Average Monthly Car Insurance Rates by State