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State Farm Insurance Review

Learn whether car insurance coverage from State Farm is right for you.

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09/19/2023 06:03 PM

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State Farm Pros And Cons

Pros A++ financial strength rating from AM Best Good discount opportunities for students and teens Usage-based insurance program
Cons Not available in Massachusetts or Rhode Island Mixed customer service reviews

As the largest auto insurance provider in the United States, State Farm is known nationwide for its reliability and quality coverage. State Farm insurance reviews highlight the company’s wide range of insurance products and discounts for drivers.

Our review team combed through State Farm insurance reviews to get a sense of the company’s claims and billing process. We describe our findings and offer plan info, cost data, discounts options, and more in this review. Read on to learn how State Farm compares to some of the industry’s other best car insurance companies.

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State Farm Rating: 4.6 Stars

State Farm offers low-cost insurance, especially for those with a poor driving record or a recent DUI. While the company doesn’t offer many extra car insurance coverage options beyond standard auto insurance offerings, it has a strong claims service record and an established reputation as a reliable provider, as evidenced by the high number of positive State Farm insurance reviews.

Cost 4.5
Coverage 4.5
Reliability 4.9
Claims Service 4.6
Overall Rating 4.6

About State Farm

Founded: 1922
States available: All states except Massachusetts and Rhode Island
AM Best financial strength rating: A++

State Farm is the largest property and casualty insurer in the U.S., as well as one of the largest companies by revenue. The insurer offers a range of comprehensive coverage options to drivers in all states except Massachusetts and Rhode Island, where it no longer offers new business. Insurance policies are sold through a wide network of local State Farm agents.

State Farm Car Insurance Cost

State Farm is a competitive national provider when it comes to low rates. Our cost data shows that 35-year-old drivers with a clean driving record and good credit history pay $1,339 per year or $112 each month for full coverage car insurance from State Farm. This is far below the national average of $1,732 per year.

While these State Farm estimates are competitive, keep in mind that your rates will vary depending on a number of factors, such as:

  • Age
  • Gender
  • Vehicle
  • Driving record
  • Location (city and state)
  • Marital status
  • Credit score

Cheapest Car Insurance Estimates For Drivers By State

To offer a better idea of the cost of State Farm auto insurance, the table below shows rate estimates for a 35-year-old married driver with a good credit score and clean driving record.

State Annual Rate Estimate State Annual Rate Estimate
Alabama $1,288 Alaska $1,076
Arizona $1,413 Arkansas $1,108
California $2,910 Colorado $1,238
Connecticut $1,316 Delaware $1,038
District of Columbia $1,498 Florida $1,753
Georgia $1,523 Hawaii $992
Idaho $761 Illinois $1,129
Indiana $878 Iowa $705
Kansas $1,119 Kentucky $1,030
Louisiana $2,051 Maine $749
Maryland $1,608 Massachusetts N/A*
Michigan $3,057 Minnesota $1,198
Mississippi $1,144 Missouri $1,129
Montana $1,040 Nebraska $1,343
Nevada $1,533 New Hampshire $755
New Jersey $1,887 New Mexico $1,003
New York $3,374 North Carolina $1,316
North Dakota $1,013 Ohio $786
Oklahoma $1,062 Oregon $911
Pennsylvania $1,426 Rhode Island N/A*
South Carolina $1,305 South Dakota $1,057
Tennessee $796 Texas $1,265
Utah $1,406 Vermont $625
Virginia $965 Washington $1,035
West Virginia $969 Wisconsin $795
Wyoming $1,320

*Cost information not available for State Farm auto insurance in Massachusetts and Rhode Island.

State Farm rates are especially low for higher-risk drivers, at least compared to other insurance providers. Those with a recent DUI or car accident may see better offers from the insurer.

Because rates vary, the only way to get an accurate idea of your real auto insurance rate is to reach out online or to a local agent for a car insurance quote.

Cheapest Car Insurance Estimates For Drivers With A Recent Car Accident

Car Insurance Company Annual Rate Estimate
USAA $1,428
State Farm $1,671
Geico $2,427
Progressive $2,471
Nationwide $2,545

Cheapest Car Insurance Estimates For Drivers With A Recent DUI

Car Insurance Company Annual Rate Estimate
State Farm $1,998
Erie $2,034
Progressive $2,106
USAA $2,209
American Family $2,433

Is State Farm Expensive?

Our research found that State Farm is affordable for most drivers, costing around $1,139 per year on average for good drivers. The company also offers affordable rates for young drivers and teens.

State Farm Car Insurance Discounts

State Farm offers several discount opportunities to help customers lower their car insurance rates. These include:

Accident-Free Discount Available to customers who are insured by State Farm for three continuous years with no accidents, and increases over time
Defensive Driving Discount Available to drivers who complete a defensive driving course
Good Student Discount Available to drivers between 16 and 25 who are enrolled full-time in high school or college and maintain a B average or higher
Good Driving Discount Offered to drivers who go three years without an at-fault accident
Driver Training Discount Available to drivers under 21 who complete an approved driver education class
Student Away at School Available to drivers under 25 who move away from home for college and do not bring their cars to school
Vehicle Safety Discount Provides a discount on medical payments coverage if your vehicle is model year 1994 or newer
Passive Restraint Discount Provides a discount on medical payments coverage for vehicles that are model year 1993 or older and are equipped with factory-installed airbags or another passive restraint system
Anti-Theft Discount Provides a discount for cars equipped with an alarm or anti-theft device
Multiple Auto Discount Available to customers who insure two or more vehicles with State Farm
Multiple Line Discount A bundling discount for policyholders who combine other insurance products, such as homeowners insurance, renters insurance, condo insurance, or life insurance policies with their auto insurance coverage

State Farm Steer Clear Safe Driver Discount

State Farm also offers a Steer Clear® Safe Driver Discount for teens and adult drivers under the age of 25. The discount is aimed at helping young drivers improve their driving skills while earning a discount on their insurance premium. Drivers have to participate in several hours of course training and driving practice to qualify for the discount. You must have a valid license and no at-fault accidents or moving violations on your record for the last three years to participate.

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State Farm Auto Insurance Coverage

You can purchase the six standard forms of car insurance from State Farm for your auto policy. These include:

Liability Bodily injury liability insurance covers the medical expenses for other drivers and their passengers after an accident you cause. Property damage liability insurance pays for damages to other drivers’ vehicles after an accident in which you are at fault.
Collision Collision insurance pays for damages that occur while your car is moving, whether you flip your car, hit another vehicle, or encounter a road hazard.
Comprehensive Comprehensive insurance pays for damages to your vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.
Medical Payments Medical payments (MedPay) covers medical bills for you and your passengers after an accident.
Personal Injury Protection Personal injury protection (PIP) pays the medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.
Uninsured/Underinsured Motorist Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

State Farm Add-On Insurance Options

Other State Farm auto insurance offerings include:

Emergency Roadside Assistance Provides emergency services for towing, lockouts, tire changes, fluid delivery, and winching
Rideshare Driver Coverage Specialty rideshare insurance for drivers who use their vehicles for services such as Uber or Lyft
Car Rental and Travel Expense Coverage Pays for a rental car and travel expenses (such as meals and lodging) while your car is in the shop for covered repairs

Further coverage options and add-ons may be available depending on your location.

State Farm Usage-Based Insurance

State Farm’s usage-based program is called Drive Safe & SaveTM. If you enroll in the program, your driving is monitored through either OnStar or a smartphone app. The program records driving habits such as fast braking, driving times, total driving distance, speed, and more. Customers receive discounts for driving less frequently and practicing safe driving habits.

The Drive Safe & Save app has a 4.1 out of 5.0 rating on Google Play and a 4.6 out of 5.0 rating in the App Store. There are some complaints about the app not functioning properly, but the app’s score is higher than similar apps from most competitors.

State Farm Insurance Reviews

Better Business Bureau (BBB) rating: A+
BBB complaints in the past three years: 1,581
J.D. Power customer satisfaction index: 892 / 1,000

State Farm has a strong claims record and a solid reputation with the BBB. In the J.D. Power 2021 U.S. Insurance Shopping StudySM, State Farm ranked second among large insurers and above the segment average. In the J.D. Power 2021 U.S. Auto Insurance Satisfaction StudySM, State Farm performed well in most regions and ranked highest in three out of 11 regions.

However, according to the National Association of Insurance Commissioners (NAIC), State Farm (NAIC number 25143) has a complaint index of 1.52. That means it gets 1.52 times the number of complaints as the average provider. NAIC scores are based on market share.

Positive State Farm Insurance Reviews

Positive State Farm insurance reviews mention excellent claims service and speedy compensation.

“Our car got totaled a couple days before Christmas, so the claim we filed understandably took a few days to get started. But once it was started, it only took them 6 days to finalize everything and pay it off.”

– Nic B. via BBB

“Couple of years ago I was rear ended by one of their customers … [I] brought my vehicle thinking that it was going to be a bad experience and that they were going to offer pennies compared to what repairs would cost. I was wrong. They gave an estimate within minutes, which I think was very fair, so they cut me a check right away.”

– Julio B. via BBB

Negative State Farm Insurance Reviews

There are some customer complaints about claims servicing. In some cases, local agents did not handle customers’ insurance claims very reliably.

“I was … rear ended by a State Farm customer. State Farm has failed to keep me updated as far as repairs, rental car, etc. They haven’t bothered to reach out regarding my accident.”

– Andy J. via BBB

“My car was hit while parked outside my house. … After 43 days of waiting, going back and forth with rude claims specialists and being told lies, I was finally told my car was a total loss. Not to mention that my local agent’s office has a very unprofessional, rude staff and they were no longer going to help me in the process and avoided my phone calls.”

– Donna C. via BBB

State Farm is a large auto insurance company, and the service you receive from local agents can vary greatly from location to location. We recommend that you check State Farm insurance reviews for agents in your area before signing up for an auto insurance policy.

What Customers Say About State Farm

In our 2022 car insurance survey, 13 percent or 133 out of the 1,000 respondents stated they had State Farm car insurance coverage, making it the most popular provider. Further, just over 50 percent of the 133 State Farm policyholders stated they were very satisfied with the company.

We asked the 1,000 respondents in our survey how long it took for their claim to be resolved after filing. Over 25 percent reported it took two weeks or less, 24 percent stated it took between two and four weeks, and 14 percent mentioned it took longer than four weeks. Out of the 133 respondents with State Farm coverage, 50 percent stated it took two weeks or less to have their claim resolved.

State Farm Mobile App

The State Farm mobile app allows customers to pay bills, manage policies, view ID cards, and file claims. The app is highly rated in both the Google Play store (4.7 out of 5.0) and the App Store (4.8 out of 5.0). The app has relatively few complaints overall and appears to work well for most drivers.

Other Insurance From State Farm

State Farm offers the following types of insurance:

  • Auto insurance
  • Motorcycle insurance
  • Boat insurance
  • ATV insurance
  • Motorhome insurance
  • Home insurance
  • Renters insurance
  • Business insurance
  • Life insurance
  • Health insurance
  • Pet insurance
  • Rideshare insurance

State Farm Home Insurance

State Farm customers can purchase home insurance coverage at any time. Homeowners insurance provides coverage to repair or rebuild your home after significant weather or events that cause damage like theft or vandalism. The company also offers protection for jewelry, collectibles, and pictures, as well as liability insurance coverage, which includes personal liability, medical payments, and additional coverage.

State Farm Life Insurance

State Farm offers term life insurance, whole life insurance, and universal life insurance. Term life insurance provides death protection for a stated period of time or term. Whole life insurance comes with a guaranteed death benefit, which can help replace a family’s loss of income, help with mortgage costs, or provide for educational needs. Universal life insurance helps protect your family and build tax-deferred cash value.

To find out more about State Farm health and life insurance, speak to a customer service representative by calling 800-782-8332.

Best Car Insurance Companies

No matter where you live, you have several options for car insurance. There is no single best provider for everyone, so it is worthwhile to shop around and compare car insurance quotes from companies.

Progressive: Best Usage-Based Insurance

Progressive is one of the largest insurers in the U.S. and offers lower average rates for high-risk drivers. The insurer provides full coverage car insurance and valuable add-on options for affordable prices.

We recognized Progressive for having the Best Usage-Based Insurance thanks to its Snapshot® program, which monitors driving habits through a mobile app to help drivers save. This makes Progressive an attractive option for those who don’t drive very often or who have excellent driving habits.

Learn more about the provider and its coverage options by reading our full Progressive insurance review.

Geico: Best Overall Provider

Our team named Geico the Best Overall Provider because it offers great rates and comprehensive coverage options to drivers nationwide. The insurer is also known for its reliable and highly rated claims service.

Geico is rated A++ for financial strength by AM Best and has a long history of meeting customer claims obligations. Additionally, Geico’s low rates may be the cheapest option for many drivers.

Read our Geico insurance review for cost estimates, discount options, and customer reputation.

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Frequently Asked Questions

Is State Farm good with claims?

Yes, State Farm is good with claims. Our survey which polled 1,000 respondents found that 50 percent of the 133 respondents with a State Farm policy had their claim resolved in two weeks or less.

What kind of rating does State Farm insurance have?

State Farm has strong ratings, including an A+ rating from the BBB and an A++ financial strength rating from AM Best. Our experts also gave the company a 4.6 out of 5.0-star rating and named it Best for Student Drivers.

Why is State Farm so cheap?

State Farm is cheap for customers who are able to take advantage of the insurer’s many discount opportunities. Good drivers can also find low rates with State Farm if they take advantage of the Drive Safe & Save program.

Does State Farm raise rates after a claim?

Most auto insurance companies will raise rates after you file a claim, but it depends on the particulars. You can expect your rates to go up if you are at fault for the accident–otherwise they may not.

Can you negotiate with State Farm?

You can negotiate with any insurer, including State Farm. Based on State Farm insurance reviews, customers are satisfied with their agents and the claims process, though some have reported difficulties in communicating with agents after claims. The quality of your insurance agent (and your ability to negotiate) may depend on your location.

How can I contact State Farm customer service?

You can contact a State Farm representative to help you file a claim, make a payment, or manage your account balance. You can call 800-782-8332 for general inquiries or 800-732-5246 to file an auto insurance claim.

Does State Farm cover towing?

State Farm insurance policies do not cover towing. You would need to purchase Emergency Road Service coverage to have your vehicle towed to the nearest repair location at no additional cost.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review methodology focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.