Stonegate Insurance Review
- With 1.1/5 stars in 2026, 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.
Independent agents
Not rated by many reputable third-party organizations
Only available in two states
No online quoting
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.
Search, compare and buy all on one site. Start saving today!
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.
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 evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
Stonegate insurance: Frequently asked questions
Why The Zebra? 100+ partners and $440/year in average savings. Get your quotes now!
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.