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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 OvzoYiJzzbVoAKBVaYJEqG0jBooNW2k7eqVT3Earf2bs9bljg9aLk+7lf1jlrpDz
 7dW5l7eKCMEVMRRI3bk9iA==

<SEC-DOCUMENT>0000874977-04-000047.txt : 20040528
<SEC-HEADER>0000874977-04-000047.hdr.sgml : 20040528
<ACCEPTANCE-DATETIME>20040528105648
ACCESSION NUMBER:		0000874977-04-000047
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20040527
FILED AS OF DATE:		20040528

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			LOWTHER JOHN R
		CENTRAL INDEX KEY:			0001184083

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-19289
		FILM NUMBER:		04837011

	BUSINESS ADDRESS:	
		STREET 1:		518 E BROAD STREET
		CITY:			COLUMBUS
		STATE:			OH
		ZIP:			43215
		BUSINESS PHONE:		6144645000

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			STATE AUTO FINANCIAL CORP
		CENTRAL INDEX KEY:			0000874977
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				311324304
		STATE OF INCORPORATION:			OH
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		518 E BROAD ST
		CITY:			COLUMBUS
		STATE:			OH
		ZIP:			43215-3976
		BUSINESS PHONE:		6144645000

	MAIL ADDRESS:	
		STREET 1:		518 EAST BROAD STREET
		CITY:			COLUMBUS
		STATE:			OH
		ZIP:			43215
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>edgar.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0202</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2004-05-27</periodOfReport>

    <issuer>
        <issuerCik>0000874977</issuerCik>
        <issuerName>STATE AUTO FINANCIAL CORP</issuerName>
        <issuerTradingSymbol>STFC</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001184083</rptOwnerCik>
            <rptOwnerName>LOWTHER JOHN R</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>518 E. BROAD STREET</rptOwnerStreet1>
            <rptOwnerStreet2></rptOwnerStreet2>
            <rptOwnerCity>COLUMBUS</rptOwnerCity>
            <rptOwnerState>OH</rptOwnerState>
            <rptOwnerZipCode>43215</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>0</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Senior Vice President</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Shares without par value</value>
            </securityTitle>
            <transactionDate>
                <value>2004-05-27</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
                <footnoteId id="F1"/>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>0</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>56773.51</value>
                    <footnoteId id="F2"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value></value>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeTransaction>
            <securityTitle>
                <value>Employee Stock Option (Right to Buy) NQ</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>30.86</value>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2004-05-27</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>5</transactionFormType>
                <transactionCode>A</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>14500</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0</value>
                    <footnoteId id="F1"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2005-05-27</value>
                <footnoteId id="F3"/>
            </exerciseDate>
            <expirationDate>
                <value>2014-05-26</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common shares</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>14500</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>14500</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value></value>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeTransaction>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">field should be left blank, but due to a software defect, requires input.</footnote>
        <footnote id="F2">Includes indirect holdings  by spouse of 14,224.000 shares.  Also includes the following acquisitions:  19.004 shares acquired in March 2004 under the dividend reinvestment feature of the STFC Employee Stock Purchase Plan, and 0.378 shares acquired in March 2004 under the STFC Dividend Reinvestment Plan.</footnote>
        <footnote id="F3">The options vest in three equal annual installments beginning on May 27, 2005.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>John R. Lowther</signatureName>
        <signatureDate>2004-05-28</signatureDate>
    </ownerSignature>
</ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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