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State Farm Auto Insurance

In Our Opinion:

With over 16 percent of the market and close to $41 billion direct premiums written in 2019, State Farm is a clear industry leader. We awarded the company with the title of “Best for Student Drivers” for its safe driving program and discounts for drivers under the age of 25 in this State Farm insurance review.

Industry Standing

Availability

Coverage

Affordability

Customer Service

Online Experience

Pros

Excellent financial strength

Insurance for classic and antique cars

Loyalty discounts

Most value for customers with multiple insurance policies through State Farm

Cons

Limited online and app features

Reported issues for individuals filing a claim against another driver

4.7

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As the nation’s largest insurer, most people are likely to consider State Farm auto insurance when looking for a policy. But the most popular choice may not necessarily be the best choice for you.

To help you decide if State Farm would make a good provider for you, our research team took an in-depth look at the company. We analyzed rate estimates, policy options, and scores of customer reviews to see how the “good neighbor” measures up to the best car insurance companies in the country.

Keep reading to see what we learned and whether State Farm is a good match for you and your vehicle.

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Table of Contents show

About State Farm

State Farm Insurance Cost

State Farm Insurance Coverage

State Farm Apps & Technology

State Farm Insurance Reviews

State Farm Auto Insurance: Best Overall

Our Methodology

About State Farm

The State Farm Mutual Automobile Insurance Company was established in 1922. Today, the Bloomington, Indiana-based provider is now the biggest car insurance company in the U.S. According to the National Association of Insurance Commissioners (NAIC), the company wrote $41.6 billion in insurance premiums in 2021. This figure accounted for a 15.9% share of the total auto insurance market. 

State Farm offers auto insurance policies and other insurance products in all 50 states. The company serves those states with over 18,000 local insurance agents, claiming the largest network in the country.

State Farm Insurance Cost 

Our research found that State Farm’s average rate across the U.S. for a full coverage policy is around $1,339. That’s considerably lower than the national average estimate of $1,732. Both estimates are for a 35-year-old driver with a good credit rating and a clean driving record. 

State Farm Insurance Rates by State

Because states have different regulations, populations, and risk factors, car insurance rates vary from state to state. Here’s a list of State Farm’s average insurance rates for full coverage versus the industry average in each state, based on the same driver profile as above:

StateState Average Cost EstimateState Farm Cost EstimateAlabama$1,448$1,288Alaska$1,287$1,076Arizona$1,625$1,413Arkanksas$1,449$1,018California$2,339$2,910Colorado$1,672$1,238Connecticut$1,885$1,316Delaware$1,921$1,038Washington, D.C.$1,787$1,498Florida$2,894$1,753Georgia$1,548$1,523Hawaii$1,238$992Idaho$1,089$761Illinois$1,474$1,129Indiana$1,087$878Iowa$1,095$705Kansas$1,364$1,119Kentucky$1,817$1,030Louisiana$3,828$2,051Maine$995$749Maryland$1,941$1,608Massachusetts$2,568Not AvailableMichigan$4,390$3,057Minnesota$1,487$1,198Mississippi$1,357$1,144Missouri$1,741$2,049Montana$2,214$1,040Nebraska$1,372$1,343Nevada$2,332$1,533New Hampshire$1,181$755New Jersey$2,108$1,887New Mexico$1,356$1,003New York$3,964$3,374North Carolina$1,277$1,316North Dakota$1,310$1,013Ohio$923$786Oklahoma$1,630$1,062Oregon$1,284$911Pennsylvania$1,405$1,426Rhode Island$1,923$1,025South Carolina$1,592$1,305South Dakota$1,331$1,057Tennessee$1,217$796Texas$2,067$1,265Utah$1,446$1,406Vermont$1,013$625Virginia$1,079$965Washington$1,271$1,035West Virginia$1,390$969Wisconsin$946$795Wyoming$1,499$1,320

State Farm Car Insurance Cost Factors

Your own rates will likely vary from the estimates in the tables above. That’s because car insurance companies like State Farm calculate their auto policy rates based on a number of factors. These include:

• Coverage options: Policies that only cover the minimum requirements for your state will have the cheapest rates. But these policies can leave you exposed to serious financial risks. Policies with more comprehensive coverage like collision insurance offer more protection at a higher price.
• Coverage amounts: Raising your coverage limits will insulate you from financial risk but also raise your premiums.
• Driving record: If you have any recent at-fault accidents or moving violations, you’ll have to pay higher auto insurance rates.
• Age: Younger drivers and senior drivers pay higher rates on average for car insurance. Teen drivers get charged the highest rates based on age. 
• Deductible: Setting a lower deductible means having to pay less out of pocket towards a covered loss, but it also comes with a more expensive insurance bill.
• Credit history: Your credit score is also a factor in the cost of your premiums. People with lower credit scores will pay more for coverage than those with good credit. 
• Location: Different states have different average rates for insurance. But even within the same state, people in different zip codes pay different rates. Typically, drivers in urban areas pay more for coverage than those in rural areas.
• Vehicle: The make, model, age, and value of your vehicle are all factors in the cost of your premiums.

State Farm Quote Calculator

State Farm provides free insurance quotes through the quote engine on its website. In our experience, the quote engine is fast, but it’s rather bare-bones and could use some extra features, such as price comparison tools and other personal calculators.

State Farm Insurance Discounts

While State Farm tends to offer some of the most affordable coverage in most places, the company also features a wide range of discounts to help make premiums even cheaper. These discounts include:

• Multiple vehicles: You can save up to 20% on your insurance policy if you insure two or more cars under the same plan.
• Multi-policy: State Farm offers a discount for bundling other insurance products like homeowners or life insurance with your auto policy.
• Anti-theft discount: You can lower your rates if your vehicle has an anti-theft alarm or other security features installed. 
• Driver training discount: Drivers under the age of 21 can get a discount for completing an authorized driver’s education program.
• Good driving discount: New State Farm customers can get an additional discount if they go three years without a moving violation or accident. 
• Student away at school discount: Students under the age of 25 can qualify for a discount if they only use their car during summers and holidays.
• Defensive driving course discount: State Farm agents can provide a list of qualifying defensive driver courses that count toward a safe driving discount. 
• Vehicle safety discount: Save up to 40% on medical payment coverage for vehicles made after 1994. That’s a large number of vehicles on the road today.
• Good student discount: Save up to 25% on your insurance policy for getting good grades. This discount lasts even after you finish college, up to the age of 25.
• Accident-free discount: Qualify for a discount if you have avoided a chargeable accident for three years. This discount may also increase over time.
• Passive restraint discount: Receive a discount of up to 40% on medical coverage for 1993 models and older vehicles that have a factory-installed air bag or passive restraint system.

Drive Safe & Save

State Farm’s telematics program is called Drive Safe & Save. This program uses a mobile app to track your driving habits. Safe driving can earn you up to a 30% discount on your insurance policy.

However, the program can also cause your rates to go up. Unsafe habits like quick acceleration, hard braking, fast cornering, speeding, and distracted driving can increase your premium.

Steer Clear

Steer Clear is a safe driving program made with young drivers in mind. If you have a driver under the age of 25 on your policy, they may be eligible for this program.

Through a series of courses, mentoring sessions, and practice driving hours, young drivers can earn a program certification and policy discounts. Like Drive Safe & Save, this program also uses a mobile app to monitor driving behavior.

State Farm Personal Price Plan

State Farm now offers a Personal Price Plan program to help policyholders better suit their auto policy to their needs and budget. With the help of an agent, State Farm customers analyze their needs based on their driving habits, vehicle, budget, and preferences. Using that information, they then choose coverages and limits that offer the best fit.

State Farm Insurance Coverage

The type of car you own can have a major impact on the type of coverage you choose and the price you pay for your policy. We like that State Farm auto insurance can cover a wide range of vehicles, from your standard Toyota to a Porsche 911. 

Standard Auto Insurance Coverage

Customers looking for standard insurance policies will find the following coverage options and policy add-ons: 

• Liability insurance: Property damage liability policies cover the cost of damages to someone else’s vehicle, home, or personal property after an accident you cause. Bodily injury liability insurance covers the other party’s injuries, medical expenses, and lost wages. 
• Collision insurance: This covers your own vehicle, whether it’s new, a temporary substitute, or a car not owned by someone in your household. This insurance pays for damage from any collision, up to the amount of your vehicle. 
• Comprehensive insurance: With a comprehensive policy, you can get covered up to the amount of your vehicle for damage not related to a collision, such as a fire, civil unrest and riots, theft, vandalism, weather, or hitting an animal. 
• Uninsured motorist insurance: You can choose either uninsured or underinsured motorist insurance to cover your vehicle and any potential injuries caused by a driver without insurance or with a policy that can’t adequately cover damages. 
• Medical payments coverage (MedPay): No matter who is at fault, medical payment insurance will cover injuries to you, your passengers, and anyone you may injure in an accident. Coverage includes pedestrian injuries and funeral costs.
• Personal Injury Protection (PIP): This coverage is similar to MedPay, but it also covers you and your passengers’ lost wages.

State Farm Additional Coverage Options

In addition to standard coverage, State Farm also offers a number of policy add-ons. These include:

• Emergency roadside assistance: This service covers the costs of mechanical labor at the breakdown site, locksmith labor if your key is lost, stolen, or locked in your vehicle, emergency fuel delivery, oil delivery, battery delivery, and flat tire changes. 
• Rideshare insurance: This insurance covers you while driving for rideshare services like Lyft or Uber in three different situations: when your app is on and ready for hire, when you match with a rider, and when you transport the rider. Coverage may include property damage, liability, uninsured motorist, and rental car benefits. 
• Rental car coverage: This covers the cost of a rental up to a certain amount for those who don’t have rental coverage or who have exceptionally high deductibles. If you’re in a collision in a rental car, State Farm will cover your deductible up to $500. You can also opt for travel expense coverage, which pays for meals, transportation, and lodging up to $500 if you are more than 50 miles from home.

Other State Farm Insurance Products

• Renters insurance
• Homeowners insurance
• Life insurance
• Personal property insurance
• Condo insurance
• Farm and ranch insurance
• Manufactured home insurance
• Off-road vehicle insurance
• Commercial auto insurance
• Boat insurance
• Identity theft insurance
• Small business insurance
• Umbrella insurance

State Farm Apps & Technology

In addition to the aforementioned Drive Safe & Save and Steer Clear apps, State Farm also offers a more general app for policyholders. The State Farm mobile app allows policyholders to quickly access their digital ID card, pay bills, check the status of claims, and more. Drivers can also use the app to connect with an agent.

State Farm Claims Process 

State Farm auto insurance claims can be made online, through the mobile app, by calling the claims department (open 24/7), or by calling your local State Farm agent. After you make a claim, State Farm will review the claim and request additional information if needed. An adjuster will send an estimate and repair options to you. 

State Farm pays for repairs in three ways: directly to the repair facility, directly to your bank account, or directly to your mailbox through a check. Using the mobile app to make and manage a claim, pay a bill, or upload photos is very simple. 

In the J.D. Power 2021 U.S. Auto Claims Satisfaction StudySM, State Farm scored 892 out of 1,000 possible points. That score placed it well above the national provider average and sixth overall in the study. This indicates that State Farm was generally effective at handling claims.

State Farm Insurance Reviews

While State Farm has nearly 100 years of experience in the insurance industry, it is not currently rated by the Better Business Bureau (BBB). The company is not accredited by the BBB either. However, State Farm does hold a “Superior” A++ financial strength rating from AM Best. 

We did find a high number of negative reviews online. But for a provider State Farm’s size, that’s to be expected. The company scored 811 out of 1,000 possible points in the J.D. Power 2021 U.S. Auto Insurance StudySM customer satisfaction ranking index, placing it sixth overall in the nation. 

Positive State Farm Insurance Reviews

When customers reported a fulfilling experience in their State Farm insurance reviews, they tended to mention helpful local agents and efficient service. 

“[I] love State Farm. All of my insurance, banking, and financial planning is through [State Farm]. Quick service, both at the agent’s office and on the phone. Needed a tow, they sent someone ASAP and no [money] paid out of pocket for the tow. [I] had a checking [account] question and they were available on the phone super late and to chat with online as an [instant message]. Love my agent!” 

– Anonymous, Trustpilot

“State Farm has all my insurance business.” 

– James E., Trustpilot

Negative State Farm Insurance Reviews

In several negative State Farm insurance reviews, steep increases in insurance rates following an accident and bungled communications were some of the most common complaints from policyholders.

“State Farm was a great bargain years ago. The prices skyrocket after an accident, even if you’re not at fault. The agents are great, but it is so unaffordable now. I had to cancel the policy [and] switch to Progressive.”

– Emma, Trustpilot

“I asked Thursday afternoon for proof of payment – and they hung up. Yet, I called again. Then they hung up – again. They also are beyond incompetent – two different people could not spell my email address correctly.”

– Rhett W., Trustpliot

State Farm Auto Insurance: Best Overall

State Farm earned the highest score of all providers in our most recent auto insurance study, winning it the award for Best Overall. The company combines competitive rates with a wide range of coverage options and discounts and serves its policyholders with the country’s largest network of local agents.

Depending on where you live and your driver profile, you may find cheaper options. However, given all of the company’s strengths, it is well worth it to get a quote from State Farm and consider the provider as an option.

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Enter your zip code to shop for the best rates in your area:

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State Farm Auto Insurance: Recommended Competitors

Even if you think State Farm is a good choice for you, it’s always best to compare quotes from a few providers. That way you can see who truly offers the best rates for your individual needs. These companies are a good place to start your search.

GEICO: Best Discount Selection

Drivers searching for cheap coverage will want to take a look at GEICO. Throughout our auto insurance study, GEICO consistently offered some of the cheapest rate estimates of any provider. On top of that, the company has one of the biggest and most diverse discount offerings in the industry, earning it the award for Best Discount Selection. That means that most drivers can make the already inexpensive rates at GEICO even cheaper, making it a very good option to consider.

Keep reading: GEICO car insurance review.

USAA: Best for Military Families

Our team found that USAA offers some of the lowest rates in most markets for drivers in many different categories. The company also maintains a strong reputation among both customers and industry rating organizations. While that combination makes for an ideal provider, not everyone has access to auto coverage from USAA. The provider is only open to members of the military, veterans, and their families. For those who are eligible, USAA is hard to beat. Others will simply have to look elsewhere.

Keep reading: USAA car insurance review

State Farm Auto Insurance: FAQ

Is State Farm expensive?

Our research found that State Farm insurance was about average, on par with many of the other large insurance providers we reviewed. While State Farm insurance isn’t expensive compared to others, it’s also not the cheapest provider.

What is the phone number for State Farm customer service?

You can reach State Farm customer service via the customer care phone number at 888-559-1922. This customer service line is available 24 hours a day, seven days a week.

How much does car insurance drop when you turn 25?

Based on our research, we found that car insurance rates can drop as much as 20% when you turn 25. Of course, your rates also depend on your driving record, vehicle information, and several other factors.

Does State Farm cover towing?

State Farm covers towing to the nearest repair facility as part of its roadside assistance package. While this package does cost extra as a policy add-on, it may save you money if you have a roadside emergency.

What is the State Farm accident claim number?

The State Farm accident claim number is 800-732-5246 (800-SF-CLAIM). You can also file a claim from the State Farm mobile app.

Does State Farm offer insurance in California?

Yes. State Farm offers insurance in California and 47 other states. The only states in which State Farm coverage is not available are Massachusetts and Rhode Island.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.