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State Farm Auto Insurance Reviews

Affiliate disclosure: Automoblog and its partners may be compensated when you purchase the products below.

We rate State Farm a 4.7 out of 5.0 and recognize it as “Best Overall” for its affordable coverage options and strong customer service reputation.

Car driving down the road
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 Overall” 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

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 and cheapest car insurance companies in the country.

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State Farm Car Insurance Reviews

State Farm is one of the most popular and best car insurance companies in the industry. The company received a 4.7 score out of 5.0 from our editorial team for its strong industry standing, availability, coverage, affordability, customer service, and online experience.

Overall Rating4.7
Industry Standing4.8
Availability4.9
Coverage4.6
Affordability4.6
Customer Service4.7
Online Experience4.4

Is State Farm Insurance Good?

State Farm is known for its affordable car insurance coverage and wide range of discount opportunities, especially for students. The company ranked first in our industry-wide study of the best car insurance companies and received the award for “Best Overall” provider in 2023. State Farm also offers several unique programs and discounts, like the Drive Safe & Save ProgramTM, which rewards drivers based on their driving habits.

State Farm Customer Satisfaction

Our research shows that State Farm policyholders are generally satisfied with their insurance coverage from the provider. In our most recent car insurance survey, we polled nearly 7,000 respondents to determine their satisfaction with their car insurance company. About 19% of participants reported having State Farm auto insurance coverage. They rated their overall satisfaction with the company a 4.2 out of 5.0.

State Farm J.D. Power

In the J.D. Power 2022 U.S. Insurance Shopping Study, State Farm scored the highest in overall customer satisfaction in the large insurers’ category. It received 885 points out of a possible 1,000 and was the provider to rank above the segment average of 863.

State Farm Insurance Rating

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 of State Farm’s size, that’s to be expected.

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., Trustpilot

State Farm Insurance Company: Overview

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 Car Insurance Coverage

The type of car you own can significantly impact 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

State Farm Coverage Options

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 Roadside Assistance (And Other 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.

State Farm Claims

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, your bank account, or your mailbox through a check. Using the mobile app to make and manage a claim, pay a bill, or upload photos is very simple.

State Farm Car Insurance Cost

Our research found that State Farm’s average rate across the U.S. for a full coverage policy is around $1,481 per year or $123 per month. That’s considerably lower than the national average estimate of $1,730 annually. Both estimates are for a 35-year-old driver with a good credit rating and a clean driving record.

State Farm Auto Insurance Quote

Our research shows that State Farm tends to be one of the more affordable options available for students and drivers with a recent accident or DUI on their driving record. However, car insurance rates are influenced by various factors, like age, which means your premium costs may differ from those in the below sections.

State Farm Auto Insurance Rates: High-Risk Drivers

According to our cost estimates, State Farm provides cheap car insurance far below the national average for drivers with a speeding ticket, car accident, or DUI on their record. The table below shows monthly and annual estimates for different driver profiles.

State Farm Average Monthly Cost EstimateState Farm  Average Annual Cost EstimateNational Average Annual Cost Estimate
Speeding Ticket$150$1,794$2,313
Car Accident$157$1,882$2,689
DUI$182$2,180$3,277

State Farm Auto Insurance Rates: Age

Younger drivers pay significantly more for car insurance coverage than experienced drivers. Here’s a look at how State Farm car insurance cost estimates differ by age.

AgeState Farm Monthly Cost EstimateState Farm Annual Cost Estimate
16$346$4,146
17$310$3,714
18$279$3,340
21$194$2,322
25$141$1,686
30$126$1,515
40$123$1,478
50$120$1,439
55$116$1,390
65$113$1,353
75$104$1,520

State Farm Auto Insurance Rates: States

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:

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

Why Is State Farm So Expensive?

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. 

Six icons representing the most influential factors in the cost of car insurance premiums, including coverage choices, driving history, age, credit score, deductible, and location.

The common factors that affect car insurance costs 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.

State Farm 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.

State Farm 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 Auto Insurance Reviews: Conclusion

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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State Farm Alternatives

Even if you think State Farm is a good choice for you, it’s always best to compare quotes from a few providers before buying a policy online. 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

Below are frequently asked questions about State Farm auto insurance.

Is State Farm actually good?

Yes, State Farm is a good insurance company. We gave the provider a 4.7 out of 5.0 and named it “Best Overall” for 2023 due to its generous discounts, wide variety of insurance types and coverage options, and strong customer service.

Is State Farm good at paying out claims?

Based on our research, we’ve found that State Farm is good about paying out claims to customers. The company received a score of 892 out of a possible 1,000 points in the J.D. Power Auto Claims Satisfaction Study.

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.

What insurance products does State Farm offer?

In addition to car insurance, State Farm offers the following: homeowners insurance, renters insurance, life insurance, condo insurance, boat insurance, personal property insurance, off-road vehicle insurance, and more.

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.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.

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Industry Standing
Availability
Coverage
Affordability
Customer Service
Online Experience
Final Score