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State Farm Auto Insurance Review
We give State Farm car insurance a rating of 9.4 out of 10 and awarded it Best Customer Experience. In our review of over 100 insurance providers, State Farm ranked second overall behind our top pick, Travelers Insurance.
State Farm Pros and Cons
State Farm Insurance Rating
Our rating below came from five key performance areas: reputation, availability, coverage, cost and customer experience:
*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.
Is State Farm Auto Insurance Good?
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State Farm Insurance Comparison
Below, we’ve summarized our thoughts on State Farm compared to major insurance companies:
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Read more: Compare car insurance companies
State Farm Car Insurance Cost
To gather average quotes, we base rates on the profile of an unmarried 35-year-old driver with good credit, a clean driving record and a 2022 Toyota Camry. Our rate estimates show that State Farm charges about $1,657 per year or $138 per month for full-coverage insurance. For liability car insurance, this cost is $523 per year or $44 per month. However, car insurance prices depend on a variety of factors, so your rate may differ.
Is State Farm Car Insurance Expensive?
According to data we gathered from Quadrant Information Services, State Farm is among the cheapest car insurance providers in the country, averaging about 17% cheaper than the national yearly average for full coverage. Its minimum liability coverage is also 17% cheaper than the national average. Below, we’ll detail their costs in relation to competitors for you to compare.
State Farm Minimum Car Insurance Comparison
State Farm stands as the fifth cheapest auto insurer for minimum liability coverage. See how State Farm stacks up against other large providers in minimum coverage:
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Read more: Cheapest liability car insurance
State Farm Full Coverage Comparison
For full coverage car insurance, State Farm ranks seventh in terms of affordability. See how State Farm compares to other top-rated providers in comprehensive coverage rates:
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Read more: Cheapest full coverage car insurance
Why is State Farm Insurance So Expensive?
State Farm insurance costs are generally quite low, but policies can be higher or lower based on market conditions and a variety of other factors. These factors can include your credit, driving history, location and more. The graphic below summarizes what insurers consider when determining the price of your car insurance premiums.
State Farm Car Insurance Rates
Your age and driving history can impact how much you pay for insurance. State Farm is one of the cheapest options for teens and for drivers with a recent accident or a driving under the influence (DUI) conviction on their records, according to our estimates. However, State Farm is a more expensive option for drivers who have poor credit. Learn more about State Farm car insurance rates by age and driver profile in the sections below.
State Farm Car Insurance Prices For Teens
State Farm offers some of the cheapest insurance for teen drivers, sitting around 27% lower than the national average, which is $7,581 for 16-year-olds. Here’s a look at average monthly and annual cost estimates for State Farm broken down by age:
*Costs from our 2022 Q3 data.
State Farm Car Insurance Prices For Young Adults
State Farm offers cheaper insurance for young adults — it’s about 16% cheaper than the national average, which is $2,336 for 25-year-olds. Compare average pricing below:
*Costs from our 2022 Q3 data.
State Farm Car Insurance Prices For Adults
State Farm has cheaper rates than the national average for those between the ages of 35 and 55. Below, you can compare average pricing:
State Farm Car Insurance Prices For Seniors
State Farm offers the fourth cheapest car insurance for seniors based on our cost analysis. Below you can find average rates:
*Costs from our 2022 Q3 data.
State Farm Car Insurance Prices by Driver Profile
Here are a few more State Farm cost estimates that apply to different types of 35-year-old drivers, including quotes for car insurance with bad credit and problematic driving records:
State Farm Car Insurance Prices by State
Overall, State Farm is one of the most affordable brands, usually landing in the fourth to sixth ranking for cheapest coverage. Below. you can compare average rates for liability and full coverage from the provider by state:
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State Farm Car Insurance Discounts
Compared to other insurers, State Farm offers the best car insurance discounts for students (up to 25%). It also has some of the most car insurance discount offerings compared to major competitors. However, the company doesn’t offer special deals for military members or for paying in full.
State Farm Car Insurance Deals
Here’s a full list of State Farm car insurance discounts and deals:
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Read more: How to save on your car insurance
State Farm Drive Safe & Save™ Discount
Like a number of leading providers, State Farm offers a telematics insurance option that monitors your driving habits and gives you discounts for good driving. Drive Safe & Save gives State Farm policyholders a discount for signing up, and upon policy renewal, drivers can save up to 30% if they’ve practiced safe driving habits. This program will also not raise your rates if you drive poorly.
Read more: Best auto insurance apps
State Farm Insurance Quote
You can get an insurance quote from State Farm either through their online system or directly through a local agent. Even if you choose to go with the online option, you’ll have to talk to a local agent regardless. Be prepared with information including but not limited to your location, car details (mileage, age and model) and how many drivers you want on your policy.
State Farm Customer Satisfaction
State Farm has a great customer service reputation, backed by many positive reviews and industry studies. In the following sections, we’ll cover data for State Farm from our car insurance satisfaction study, customer reviews, J.D. Power scores and more.
State Farm Customer Satisfaction Ratings
State Farm scored 4.2 out of 5 stars in our August 2022 nationwide car insurance satisfaction survey. Of the 6,923 participants, 19% reported that they had a State Farm car insurance policy, making it the most popular provider in our survey.
State Farm Auto Insurance Customer Service Ratings
Here’s an in-depth look at how customers rate State Farm out of five compared with the overall average from our survey:
State Farm Car Insurance Reviews: Claims
Our survey found that nearly 42% of all respondents with a State Farm policy have filed a claim, while 58% haven’t. Most policyholders who participated were happy with State Farm’s customer service during the claims process, giving the company a 4.2-star rating out of 5. Additionally, respondents gave the company a 4.2-star rating for satisfaction with the claim outcome or settlement.
State Farm Insurance Complaints
According to the National Association of Insurance Commissioners (NAIC), State Farm accounted for just under 11% of total car insurance complaints in 2022. Since the company has about 16% of the market share, it has fewer complaints than average for its size. In other words, most customers have a positive or neutral experience with the company’s service.
State Farm Car Insurance Reviews: Reddit
Reddit isn’t known as a primary source for insurance reviews, but you’ll find plenty of auto coverage discussion on the news aggregator site. State Farm customers on the platform often note the company’s affordable rates. The availability of local agents is also a common point of praise from State Farm customers on Reddit.
State Farm Auto Insurance Coverage
State Farm offers the following standard types of coverage:
- Liability auto insurance
- Collision insurance
- Comprehensive insurance
- Medical payments coverage (MedPay)
- Personal injury protection (PIP)
- Uninsured/underinsured driver coverage
State Farm Car Insurance Options: Add-ons
State Farm also offers a few policy add-ons:
- Roadside assistance: This includes towing services to the nearest repair shop, fuel deliveries, spare tire changes, lockout services, battery jump-starts and up to one hour of mechanical labor at the breakdown site.
- Rental car reimbursement: This option covers rental vehicle costs for qualifying events up to a limit in your policy. You can choose to have State Farm reimburse you for the cost or schedule and pay for a rental.
- Travel expense coverage: If you’re 50 miles or more away from home and need your car repaired, this option covers up to $500 for food and lodging. It only applies if your damages are covered by a collision or comprehensive insurance policy.
- Rideshare insurance: If you drive for a company like Uber or Lyft, this option ensures you have coverage at all times.
Most other companies offer GAP insurance coverage for when your vehicle is declared a total loss in an accident, but State Farm doesn’t.
Read more: Best roadside assistance plans
State Farm Auto Insurance Claims
You can file a car insurance claim with State Farm by phone, on the website or through the company’s mobile app. With the State Farm app, customers can upload photos and documents, check the status of a claim and communicate with claims representatives. The app also includes a virtual estimate tool that helps customers take clear photos of vehicle damage. This can accelerate the process of getting an initial estimate and even payouts for covered damage.
State Farm Home Insurance
State Farm ranks among our top picks for the best homeowners insurance options, earning the distinction of being Our Pick for New Homeowners. Our research shows that State Farm home insurance generally costs less than the national average, depending on where you live.
State Farm Homeowners Insurance Quotes
State Farm’s average yearly premium is $201.82 cheaper than average homeowners insurance rates making it the 4th cheapest home insurance company in the U.S. We reached out to State Farm for home insurance quotes to give you a better idea of how much coverage may cost in your area:
*These estimates are for single-family homes.
Read more: Compare home insurance quotes
State Farm Home Insurance Discounts
Compared to competitors, State Farm offers fewer discount opportunities to save on your policy. Their offerings for home insurance discounts are as follows:
- Multi-line discount: When you bundle your home and auto insurance policies with State Farm, you could save up to $1,073. Discounts vary based on which policies you bundle.
- Home security insurance discount: You may qualify for a home insurance discount if you installed a fire, smoke or burglar alarm or any other type of monitoring system in your home.
- Roofing discount: If you have or install a roof with impact-resistant roofing products, such as hail-resistant shingles or class four shingles, you may be eligible for a discount on your home insurance premium.
Read more: How to save on home insurance
State Farm Home Insurance Coverage
Home insurance policies help protect your home and its contents after a covered event. Six common coverages are included in a standard State Farm home insurance policy. These include:
Read more: What does homeowners insurance cover?
Additional State Farm Home Insurance Policies
State Farm also offers these add-on home insurance policies:
- Personal liability umbrella policy: This add-on option increases your covered amount for personal liability. Home insurance policies typically provide a minimum of $100,000 to $500,000 in personal liability coverage, but a personal liability umbrella policy could provide coverage for $1 million or more.
- Flood insurance: This insurance add-on covers losses directly caused by flooding.
- Earthquake insurance: This add-on insurance covers some of the losses and damage that earthquakes can cause to your home, belongings and other buildings on your property.
In addition to these add-ons, the company also offers insurance coverage for RVs and other motorhomes. We ranked them as the 6th best RV insurance company and named it the Best for Local Service.
State Farm Renters Insurance
Out of our picks for the best renters insurance companies, State Farm ranks third and earned the title of Our Pick for Affordable Premiums. The company offers plenty of coverage options for a reasonable price and has great customer service ratings.
State Farm Renters Insurance Cost
Renters insurance costs tend to be affordable from State Farm with an average monthly cost of $11 based on our analysis. This pricing makes it the cheapest renters insurance company in the U.S. However, the quote you get will vary depending on your location, home size, coverage level and more.
Read more: Compare renters insurance quotes
State Farm Renters Insurance Discounts
State Farm doesn’t offer many discounts specific to renters insurance. The only discounts you can get are for bundling multiple policies and adding security measures to your home. You can also choose a higher deductible for cheaper pricing.
State Farm Renters Insurance Coverage
Below you can compare the basic coverage options available for renters insurance with State Farm:
Read more: What does renters insurance cover?
Additional State Farm Renters Insurance Policies
You can customize your State Farm renters insurance policy with optional add-on coverages:
- Identity restoration: This provides you with protection in the event of a cyber attack, identity theft or fraud.
- Additional business property: For issues directly relating to business owners, this additional protection provides coverage for your organization.
- Incidental business liability: This policy gives additional protection for liabilities relating to claims alleging error or omission in providing professional services.
The company also provides pet insurance coverage.
Is State Farm Life Insurance Good?
State Farm ranks as the sixth best life insurance company in our research. Life insurance policies from the company are much more affordable than they are from other providers. While they don’t offer a full suite of coverage options, you can find serviceable coverage with some of the best customer service in the industry.
State Farm Life Insurance Online
State Farm offers three types of life insurance policies that can be purchased online. These are:
- Term life insurance: This provides death protection for a stated period of time or term (typically 10 to 30 years). It can be purchased in large amounts for a relatively small premium and is well suited for short-range goals like paying off a loan or providing extra protection as your children grow.
- Whole life insurance: This policy can help your family in case the unexpected happens. The guaranteed death benefit helps replace a family’s loss of income and helps with mortgage costs or educational needs. These policies build cash value that grows tax-free.
- Universal life insurance: This provides a flexible way to protect your loved ones and build tax-deferred cash value. It can be structured as a survivorship or joint policy.
State Farm Auto Insurance Reviews: The Bottom Line
We give State Farm a 9.4 out of 10 and name it Best Customer Experience for 2024 based on the methodology we use to rate all car insurance providers. It provides solid rates and excellent discount opportunities and has local insurance agents across the U.S. If State Farm doesn’t feel like the right fit, we recommend gathering auto insurance quotes from multiple providers and comparing them.
State Farm Insurance: FAQ
How We Reviewed State Farm Insurance
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
Our credentials:
- 800 hours researched
- 45 companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
