State Farm Insurance Review

Learn more about our methodology and editorial guidelines.

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. You can see State Farm’s scores for each category and a breakdown of those scores in the table below. You’ll also find averages from all providers in our study listed alongside for comparison.

*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:

Comparison	State Farm Rating	Competitor Rating	Bottom Line
State Farm vs. Geico	9.4	9.1	While State Farm offers more coverage options and benefits, Geico has wider availability.
State Farm vs. Allstate	9.4	8.8	Both companies offer comparable coverage, but State Farm is more affordable.
State Farm vs. Liberty Mutual	9.4	9	State Farm offers a better overall customer experience than Liberty Mutual.
State Farm vs. Progressive	9.4	9	Progressive coverage policies tend to be more expensive than State Farm’s with comparable benefits.
State Farm vs. Farmers	9.4	8.6	Both have great customer ratings, but State Farm has a better telematics program and pricing.
State Farm vs. Nationwide	9.4	9.1	Nationwide has cheaper average pricing and a great usage-based insurance program, but State Farm drivers have a better customer experience.
State Farm vs. USAA	9.4	9.2	While USAA offers the cheapest rates, it’s not available to all drivers like State Farm policies are.

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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:

Car Insurance Company	Average Monthly Cost	Average Annual Cost
Auto-Owners Insurance	$30	$358
USAA	$32	$387
Erie Insurance	$33	$390
Geico	$38	$461
State Farm	$44	$523
Nationwide	$44	$531
Travelers	$54	$648
Progressive	$58	$697
American Family Insurance	$67	$810
Allstate	$71	$854

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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: 

Car Insurance Company	Average Monthly Cost	Average Annual Cost
Nationwide	$119	$1,433
Erie Insurance	$122	$1,458
USAA	$126	$1,512
Travelers	$133	$1,595
Geico	$133	$1,596
Auto-Owners Insurance	$135	$1,619
State Farm	$138	$1,657
Progressive	$169	$2,030
Allstate	$216	$2,598
Farmers	$264	$3,169

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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:

Age	State Farm Average Monthly Cost	State Farm Average Annual Cost
16	$460	$5,514
17*	$310	$3,714
18*	$278	$3,340
19*	$244	$2,924

*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:

Age	State Farm Average Monthly Cost	State Farm Average Annual Cost
21*	$194	$2,322
25	$163	$1,952

*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:

Age	State Farm Average Monthly Cost	State Farm Average Annual Cost	National Average Annual Cost
35	$138	$1,657	$2,008
45	$136	$1,628	$1,923
55	$128	$1,534	$1,767

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: 

Age	State Farm Average Monthly Cost	State Farm Average Annual Cost
65*	$113	$1,353
75*	$127	$1,520

*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:

Driver Profile	State Farm Average Monthly Cost	State Farm Average Annual Cost	National Average Annual Cost
Good credit and driving history	$138	$1,657	$2,008
Poor credit	$375	$4,505	$3,829
Speeding ticket	$156	$1,872	$2,508
One recent accident	$163	$1,953	$2,919
DUI conviction	$183	$2,194	$3,431

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:

State	Average Annual Minimum Liability Rate	Average Annual Full Coverage Rate
Alabama	$344	$1,657
Alaska	$434	$1,494
Arizona	$538	$1,778
Arkansas	$293	$1,346
California	$661	$2,492
Colorado	$370	$1,623
Connectiicut	$631	$1,585
Delaware	$656	$1,590
Florida	$650	$1,813
Georgia	$703	$1,942
Hawaii	$906	$2,782
Idaho	$222	$881
Illinois	$348	$1,363
Indiana	$322	$1,272
Iowa	$149	$979
Kansas	$309	$1,690
Kentucky	$437	$1,854
Louisiana	$587	$2,183
Maine	$306	$1,050
Maryand	$790	$1,884
Massachusetts	State Farm not offered here
Michigan	$1,492	$3,262
Minnesota	$351	$1,340
Mississipi	$328	$1,450
Missouri	$394	$1,679
Montana	$247	$1,536
Nebraska	$381	$2,054
Nevada	$513	$1,376
New Hampshire	$296	$1,052
New Jersey	$1,150	$2,099
New Mexico	$316	$1,396
New York	$1,007	$2,133
North Carolina	$363	$1,287
North Dakota	$285	$1,496
Ohio	$1,824	$3,258
Oklahoma	$273	$1,502
Oregon	$557	$1,210
Pennsylvania	$307	$1,553
Rhode Island	State Farm not offered here
South Carolina	$548	$1,632
South Dakota	$266	$1,816
Tennessee	$254	$1,223
Texas	$325	$1,364
Utah	$530	$1,623
Vermont	$249	$980
Virginia	$330	$1,185
Washington	$451	$1,550
Washington DC	$606	$1,761
West Virginia	$325	$1,378
Wisconsin	$242	$1,203
Wyoming	$257	$1,505

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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:

State Farm Discount	Discount Description
Multi-policy	Those with multiple policies from the company can save.
Multi-car	Get a discount of up to 20% by insuring two or more cars in your household under the same policy.
Good driving	Receive a discount by going three years or more without moving violations or at-fault accidents.
Defensive driving course	Save on your policy by taking a defensive driving course.
Good student	Lower your premium up to 25% if you are a full-time student under the age of 25 and maintain a “B” average.
Driver training	If you’re under 21, you can get a discount by taking a driver training course.
Distant student	Save money if you have a student on your policy who is under 25 years old, lives away from home and doesn’t drive their vehicle.
Vehicle safety	Save money based on your make and model’s safety features.
Passive restraint	Lower your MedPay coverage costs by 40% if your vehicle was made in or before 1993 and has factory-installed air bags, seat belts and other passive restraint systems.
Anti-theft	Get a discount on your policy if your car is equipped with an alarm or other anti-theft devices.
Steer Clear program	Drivers under 25 can save by signing up for the program and driving safely.

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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 Average	Insurance Company Industry Average
Overall Satisfaction	4.2	4.2
Affordability	3.8	3.7
Discounts	3.8	3.7
Coverage Selection	3.9	3.9
Shopping Experience	4	3.9
Company Website	3.9	3.9

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:

Location	Home Square Footage	Monthly Cost	Total Cost Per Year
Mckinleyville, Calif.	1,344 square feet	$63	$756
Charlotte, N.C.	1,595 square feet	$111	$1,330
Mechanicsburg, Pa.	2,144 square feet	$107	$1,280
Schertz, Texas	2,346 square feet	$182	$2,181
Richmond, Va.	2,112 square feet	$95	$1,137

*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:

State Farm Home Insurance Coverage	Description
Dwelling	This covers the physical structure of your home and any other structures attached to it.
Other structures	Other structures on your property, such as a detached garage, pool house, greenhouse or tool shed are protected by this option.
Personal property	This covers the contents of your home, such as furniture, appliances or clothes.
Loss of use/additional living expenses	If your home is damaged by a covered event, this insurance helps pay for a hotel, food and other expenses.
Personal liability	If someone is injured on your property, this helps protect you against legal liability for bodily injury or property damage.
Medical payments	This pays for injuries incurred to others on your property.

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:

Renters Insurance Policy	Coverage Details
Personal property	This provides coverage for property such as electronics and furniture that are damaged for a covered loss.
Loss of use	If you are displaced from your rented home and it is left uninhabitable, you’ll be covered.
Personal liability	This covers you in case someone is hurt on your property and needs payment for injuries or damages.

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

Is Allstate or State Farm better?

In our review of the best car insurance companies, we found that State Farm is one of the best overall providers in the industry based on coverage, cost, industry reputation and customer service. Allstate, on the other hand, didn’t rank within the top 10 companies in our study because of its high insurance costs.

Does State Farm have a good reputation?

Yes, State Farm has a generally good reputation in the industry. It consistently scores well in J.D. Power studies and has an A++ financial strength rating from AM Best. However, it currently has a C- rating with the BBB.

Is State Farm good about paying claims?

State Farm is generally good about paying out claims in a timely manner. The company received a score of 891 out of 1,000 in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study, which landed it in sixth place and above the industry average.

Is State Farm overpriced?

According to our research, State Farm has some of the cheapest rates on average for car insurance. The insurer tends to be about 21% cheaper than the national average.

What is the rating of State Farm insurance?

We rate State Farm 9.4 out of 10 for its affordable average rates and good customer service record. State Farm also has an A++ financial strength rating from AM Best and a C- rating from the BBB.

What is State Farm’s accident claim number?

Whether you are a State Farm customer or got in an accident with one of State Farm’s insured drivers, you can call (800) 732-5246 (800-SF-CLAIM) to file a claim with a local agent. You can also file an insurance claim online or through State Farm’s mobile app.

Does State Farm cover towing?

State Farm covers towing with its roadside assistance add-on. State Farm’s collision or comprehensive insurance may also cover towing in the event of an accident. If you only have bodily injury and property damage liability insurance, you will have to pay for towing unless the other driver’s insurance covers it.

How much does car insurance drop when you turn 25?

Young drivers pay the most for car insurance, but average rates decrease with age. Depending on your situation and insurance policy, your rates may decrease by about 10% to 15% when you turn 25.

Does State Farm have health insurance?

Yes, State Farm has options for standard health insurance options along with supplemental and disability coverages. The company does not provide very specific information on their website, but you can call a local agent or find quotes for a policy online.

Does State Farm offer travel insurance?

Currently State Farm has no offerings for travel insurance coverage. However, if you are in the market for a policy, we believe the best travel insurance companies are Faye, Travelex and Nationwide Travel.

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.