UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                    FORM 8-K

                                 CURRENT REPORT
                       Pursuant to Section 13 or 15(d) of
                       the Securities Exchange Act of 1934

                Date of Report (Date of earliest event reported):
                     November 12, 2004 (November 11, 2004)


                        STATE AUTO FINANCIAL CORPORATION
      --------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)



                                                               
            Ohio                               0-19289                   31-1324304
----------------------------                ------------              ------------------
(State or other jurisdiction                (Commission                 (IRS Employer
     of incorporation)                      File Number)              Identification No.)



                                                 

 518 East Broad Street, Columbus, Ohio                     43215-3976
----------------------------------------           -----------------------------
(Address of principal executive offices)                   (Zip Code)


Registrant's telephone number, including area code:    (614) 464-5000      
                                                     -------------------


                                 Not Applicable
--------------------------------------------------------------------------------
         (Former name or former address, if changed since last report.)

Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any of the
following provisions (see General Instruction A.2. below):

[ ] Written communications pursuant to Rule 425 under the Securities Act 
    (17 CFR 230.425)

[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange Act 
    (17 CFR 240.14a-12)

[ ] Pre-commencement communications pursuant to Rule 14d-2(b) under the
    Exchange Act (17 CFR 240.14d-2(b))

[ ] Pre-commencement communications pursuant to Rule 13e-4(c) under the 
    Exchange Act (17 CFR 240.13e-4(c))




Section 8.        Other Events

Item 8.01.        Other Events.

Attached as Exhibit 99.1 to this Current Report on Form 8-K and incorporated
herein by reference is a press release issued by State Auto Financial
Corporation on November 11, 2004.


Section 9.        Financial Statements and Exhibits

Item 9.01.        Financial Statements and Exhibits.

(c)      Exhibits.



Exhibit No.            Description
-----------            -----------
                    
99.1                   Press release issued by State Auto Financial Corporation on November 11, 2004.



                                   SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                     STATE AUTO FINANCIAL CORPORATION


Date:  November 12, 2004             By  /s/ Steven J. Johnston
                                         ------------------------------------
                                         Treasurer and Chief Financial Officer







                                  EXHIBIT INDEX





Exhibit No.                  Description
-----------                  -----------
                           
99.1                         Press release issued by State Auto Financial Corporation on November 11, 2004.