A highly recognizable national insurance brand, State Farm offers all the coverages you’d expect from a big-time national provider. Its home and auto rates are on par with those of its competitors, and a variety of discounts, including good credit and accident-free markdowns, make State Farm an affordable option.
Who Benefits Most and Least from State Farm Insurance?
- Drivers who consider insurers based on brand iconicity
- Rideshare drivers looking for a good deal
- Safe drivers looking for a telematics discount
Not the Best For…
- High-risk drivers shopping for low rates
State Farm: Is it really going to help ‘life go right’?
State Farm is purportedly one of America’s most trusted insurance companies, thanks to its decades-old “good neighbor” marketing campaigns—but is it the right insurance company for you?
While it may not always churn out the lowest rates, State Farm offers a host of coverage options, including rideshare coverage, as well as discount codes for good students and members of the military. If you’re particularly confident in your driving skills, you could also use State Farm’s telematics app, which tracks your driving habits and gives you a discount accordingly.
State Farm Car Insurance Ratings
Insurify Composite Score: 83 out of 100
Insurify gives State Farm an Insurify Composite Score of 83/100. This score is the result of analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews.
U.S. Auto Insurance Shopping Study (2018)
|Overall Satisfaction||About average|
|Local Agent||About average|
|Policy Offerings||About average|
|Insurer Website||The rest|
U.S. Auto Insurance Claims Satisfaction Study (2018)
|Overall Satisfaction||About average|
|Repair Process||About average|
|Claim Servicing||About average|
|Rental Experience||About average|
|Estimation Process||Better than most|
|First Notice of Loss (FNOL)||About average|
J.D. Power Ratings by Region (out of 1,000)
|Southwest||829||Better than most|
|New England||838||Better than most|
|New York||820||About average|
|North Central||840||Better than most|
|Standard & Poor's||AA|
State Farm Car Insurance Quotes and Discounts
Auto Insurance Quotes Comparison: State Farm vs. Progressive, GEICO, and Allstate
In years prior, State Farm’s policyholders decried the company for higher-than-average rates. State Farm seems to have heard its policyholders loud and clear, since its prices are now very competitive, and sometimes even lower than those of competitors like Progressive and GEICO.
Insurify’s data team collected rates for the profile of a 42-year-old woman living in Houston, Texas, with a clean driving record. These are her rates:
State Farm’s rates seem to be higher than GEICO’s, only slightly lower than Progressive’s, and significantly lower than Allstate’s.
We then compared rates for the same driver profile, but this time we added a speeding ticket to her record for going 75 mph in a 50 mph zone.
While Progressive and GEICO raised their rates pretty significantly once we added a speeding ticket, State Farm and Allstate still offered the same rate. Of course, State Farm’s quote is about $100 cheaper than Allstate’s.
We also compared quotes for the same driver profile with at-fault accident:
Drivers Can SAVE with these Discounts from State Farm
State Farm offers policyholders an array of discounts, including discounts for older drivers, homeowners, members of the military, students away at school, drivers with daytime running lights, and those renewing their policy with no claims history.
Look below for more specific discounts from State Farm:
Good Credit Discount up to 80%
New Car Discount up to 40%
Passive Restraint Discount up to 40%
Driving Habits Discount up to 30%
Good Student Discount up to 25%
Good Driver Discount up to 25%
Anti-lock Brake Discount up to 20%
Multiple Vehicle Discount up to 20%
Multiple Policy Discount up to 17%
teenSMART Discount up to 15%
Anti-Theft Device Discount up to 15%
Accident Free Discount up to 15%
Low Mileage Discount up to 10%
Defensive Driver Discount up to 5%
States Where State Farm Car Insurance is Offered
State Farm offers auto insurance across all 50 states and Washington, D.C.
Click below on your state to find out how you can find the cheapest car insurance in your area:
State Farm Auto Insurance Coverages
State Farm offers policyholders a wide range of auto insurance coverages that cover all your insurance needs.
Liability coverage: Every state except New Hampshire requires drivers to have liability coverage before hitting the road. State Farm’s liability coverage covers both bodily injury and property damage in an accident where you were at fault. So if you caused an accident, State Farm would pay for the medical expenses, lost wages, and pain and suffering to which you subjected the other person. It would also pay to repair any damage you caused to their car or other property.
Medical payments coverage: State Farm will pay for the medical bills and funeral expenses for anyone on your policy who was hurt in an auto accident. This coverage applies regardless of who was at fault in the accident.
Collision coverage: This coverage applies to any damages your car sustains when it hits another vehicle, another object, or if it rolls over during an accident. State Farm’s collision coverage doesn’t just apply to your car, it also applies to any temporary substitute cars you may be driving, a car you just bought but haven’t put on your policy, or any vehicle you’re driving that no one in your household owns.
Comprehensive coverage: Comprehensive coverage covers damages caused to your car that aren’t the result of a collision. State Farm’s comprehensive coverage applies to vehicular damage sustained due to fires, explosions, civil unrest like riots, weather-related phenomena like hail and hurricanes, and theft.
Uninsured/Underinsured Motorist Coverage: It’s unfair to pay for damages your car has sustained in an accident that wasn’t even your fault. But you might end up doing just that if the person who hit you doesn’t have liability insurance, or doesn’t have enough to cover the cost of your damages. For times like this, State Farm offers uninsured and underinsured motorist coverage. This coverage covers the costs of your medical payments, lost wages, and vehicular damage if an uninsured or underinsured driver hits you.
Other Special Auto Coverages Offered by State Farm Insurance
Emergency road service coverage: Having your car break down in the middle of the road is frustrating. So is locking your keys in your car. Or running out of fuel in the middle of nowhere. For moments like these, you can call State Farm’s emergency roadside assistance at 1 (877) 627-5757. Even if you haven’t applied for this coverage, State Farm will still send someone to help you at a negotiated rate.
Car rental and travel expenses coverage: With this coverage, State Farm will cover the cost of a rental car if your regular vehicle is in the repair shop. This coverage only applies if the damage to your regular car is a covered loss under your comprehensive or collision coverage. State Farm will either pay the rental company directly, or it will reimburse you for the costs, depending on whether or not the shop is affiliated with State Farm. This coverage will also cover travel, food, and lodging costs if your car is disabled in an accident over 50 miles from your home. The accident would also have to be a covered loss under your collision or comprehensive coverage.
Other Insurance Products Offered by State Farm Insurance
- Homeowners Insurance: State Farm’s home insurance covers everything from damage caused by weather-related phenomenon and theft, to damage caused by electricity and plumbing.
- Renters Insurance: State Farm’s renters insurance protects your rented home or apartment against burglaries, vandalism, and smoke or fire damage. This coverage extends to personal property inside your rented home, as well.
- Life insurance: The State Farm Life Insurance company offers term, whole, and universal life insurance in all states except Massachusetts, New York, and Wisconsin. The State Farm Life and Accident Assurance Company provides life insurance in New York and Wisconsin, but not Massachusetts.
- Motorcycle Insurance: State Farm’s motorcycle insurance is very similar to its auto insurance. It also offers add ons that cover damage to any sidecars attached to your motorcycle, as well as damage to protective gear.
How Can I Buy Auto Insurance from State Farm?
State Farm exclusively sells insurance through its own insurance agents. These are “captive” agents who are employed solely by State Farm and can only sell State Farm policies.
You have to call a State Farm agent to purchase a policy, although you can find an approximate quote through their website. But remember, State Farm’s website will only show you State Farm’s quotes. If you want to make sure you’re getting the best deal for the best rate, you should use Insurify—which lets you compare up to 20 insurance company quotes at a time.
How Can I Pay for My State Farm Insurance Policy?
State Farm offers policyholders a variety of payment options:
You can pay online using your date of birth and either one of the following: your phone number, policy number, payment plan account number, or your keycode.
Through the app
The State Farm app allows you to view your bills and make payments using your credit card or checking/savings account.
You can visit your State Farm agent or call them by phone. To pay, you can either use your credit card or make out a money order to State Farm.
You can call 1 (800) 440-0998 (available 24 hours a day) to pay your bill using a credit card or your checking/savings account. You’re going to need the key code from your current bill.
Send a check or money order in an envelope to the following address:
State Farm Insurance Companies
Insurance Support Center – East
P.O. Box 588002
North Metro, GA 30029
How Often Will State Farm Increase My Premiums?
If you get into an accident
Some insurance companies have accident forgiveness programs, which means your premium won’t increase after your first accident. However, State Farm doesn’t currently have an accident forgiveness program. So if you get into an accident, especially one where you’re at fault, you might have to pay a higher premium.
If you get a moving violation
If you get a speeding ticket or a DUI, State Farm will probably increase your insurance premium. This, of course, depends on the nature of the moving violation, as insurance companies typically penalize DUIs more aggressively than they do speeding tickets.
If you move locations
The crime rate and incidence of natural disasters where you live will impact your insurance premium. This is because your car is at a higher risk of theft and vandalism in a high-crime area, and also at a higher risk of damage from hurricanes and flooding in areas with recurring natural disasters. So if you move from a relatively crime-free town to a city, or move from Utah to California, State Farm may increase your insurance premium.
How Does State Farm’s Claims Process Work?
You never know when you might need to file a claim, and when you do, State Farm’s got your back. State Farm’s claims process is generally well-regarded, with many online reviews expressing satisfaction with its speedy process.
Before filing your claim, you should make sure you’ve documented the accident well. You should take plenty of pictures of any damages to any vehicles involved, as well as the insurance information of any other party involved.
- File the claim
You can file a claim online, through the State Farm app, by calling 1 (800-732-5246), or by calling your State Farm agent.
- Wait for a response
State Farm’s claims adjuster will probably review all the information to determine whether your policy covers the damage.
- Assess damage and make repairs
State Farm’s claims adjuster will provide an assessment of the damage and estimate repair costs. You might have to make a couple of decisions regarding what kind of repairs you want and which repair shop you want to use.
- Finalize payment
State Farm may pay the repair shop directly, mail you the money, or send it to your bank account.
How Can I Cancel My State Farm Car Insurance Policy?
If you decide to cancel your auto insurance policy with State Farm, you can do so by calling your State Farm agent. Chances are, the agent will try to convince you to stay by adjusting your premium or offering you discounts.
You should definitely have another auto insurance policy lined up before canceling your State Farm policy. Use Insurify to compare quotes between up to 20 different insurance companies so you can make sure you’re getting the best deal for the best price!
Remember, you need to have an insurance policy in place before canceling because a lapse in insurance coverage could lead to higher premiums in the future.
How Much Does Uber/Lyft Coverage Cost with State Farm?
If you’re driving with Uber or Lyft, you should probably look into adding rideshare coverage to your State Farm auto insurance policy. This policy is an add-on to your pre-existing State Farm policy. This means you’re covered throughout the rideshare process—from before you even turn on the app to when you’re transporting a customer.
State Farm’s rideshare driver coverage usually adds anywhere from 15 to 20 percent to your insurance premium.
Insurance Companies Similar to State Farm
As the largest auto insurance provider in America, State Farm finds itself in the company of other significant names in the industry like Progressive, GEICO, and Allstate. All of these companies are all viable alternatives to State Farm’s auto insurance and may offer you lower rates or better policies, depending on what you’re looking for.
You should consider using an insurance quotes comparison website like Insurify, which can help you compare rates between State Farm and its competitors, to ensure you find the right auto insurance policy for the right price.
According to Insurify’s internal database of over 1.9 million car insurance applications and our analysis of external sources, drivers who used to hold State Farm car insurance most often switched to the following companies:
State Farm Customer Satisfaction and Policyholder Reviews
State Farm has a lot of loyal customers and generally fetches high overall scores on websites like Consumer Ratings. Good reviews often mention State Farm’s speedy claims and repair process and commitment to loyal customers.
Bad State Farm reviews complain about its ever-increasing premiums and lack of communication.
State Farm Mobile App Review
State Farm’s mobile app is highly rated on both the Apple and Google Play app stores, fetching near-perfect scores of 4.8 and 4.3 out of 5, respectively.
The app allows users to pay for their policy, file and track claims, access insurance ID cards, contact an agent, and get roadside assistance.
The only complaint users have is that the app seems to require constant updates. Subsequently, if users don’t update the app, it continually crashes. Some also took issue with the seemingly rigorous password and identity verification process.
App store Ratings (Out of 5) User reviews
Mobile App (iOS) 4.8 97,730
Mobile App (Android) 4.3 20,687
Drive Safe and Save Review
State Farm, like most other insurance companies, offers a telematics app that tracks your driving habits and gives you a discount. Through Drive Safe and Save, you can get five percent off your premium just for signing up for the program, and up to 30-50 percent off after the program is over. This isn’t offered in all 50 states, so you should check-in with your State Farm agent to see if you can enroll.
To enroll, you can text SAVE to 78836 to download the app. After downloading the app, you should follow the step-by-step instructions, during which time State Farm will also ascertain whether your phone is compatible with the program.
After you’ve enrolled in the program through the app, State Farm will send you a Bluetooth beacon that you can hook up behind your rearview mirror. Press the white button on the beacon to activate it, and then log into the app to complete the process.
State Farm will then monitor your driving habits, such as acceleration, braking, fast cornering, speeding, and distracted driving. State Farm adjusts your discount at the end of each policy renewal, which is typically every six months.
The app itself garnered above average reviews on the Apple and Google stores, with a 4.5 and 3.7 out of 5, respectively. Users complained that the app is too sensitive and doesn’t take into account the reasons why drivers might be accelerating too fast or braking too quickly.
The app’s method of monitoring distracted driving was also a point of annoyance to some users, some of whom said they were penalized for using navigation systems while driving.
App store Ratings (Out of 5) User reviews
Mobile App (iOS) 4.5 25,685
Mobile App (Android) 3.7 10,543
Frequently Asked Questions: State Farm Car Insurance
Does State Farm have good insurance?
State Farm is one of the most iconic and recognizable insurance companies in America, but it might not be the cheapest or even the best choice for you. You can’t rely on one company to always have the lowest prices or the best coverage; you have to find a policy that fits you just right. You should use Insurify before making your decision, it lets you customize your own policy and compare quotes across different insurance companies!
Does State Farm have cheaper rates than Progressive, GEICO, or Allstate?
State Farm’s quotes are more or less on par with Progressive and GEICO, though its prices tend to be just a little higher. State Farm’s prices also tend to be a lot lower than Allstate’s prices. Of course, this is without factoring in any discounts you could be eligible for. To compare prices across insurance companies, you should consider using Insurify, which lets you compare quotes (with discounts) across up to 20 different insurance companies.
How can I cancel my State Farm Insurance policy?
You’ll have to call your State Farm agent to cancel your policy. Chances are, they’re going to campaign hard to get you to stay on your policy. Before canceling your policy, make sure you have another one lined up. Remember, it’s illegal to drive without insurance in 49 states!
Is State Farm the cheapest car insurance in your area?
You can never rely on one insurance company to give you the best or the cheapest quote. Just because GEICO gave your friend a cheap quote doesn’t mean you will get the same one. That’s why it’s essential to do your research and compare quotes among other insurance companies.
This process can be time-consuming, so Insurify helps you compare auto insurance quotes in a matter of minutes. All you have to do is put in some basic information about your driving profile, and you can compare up to 20 free quotes at once!
State Farm Auto Insurance Overview
State Farm was set up in 1922 by retired farmer George Jacob Mecherle in Bloomington, Illinois. At the time, State Farm only sold auto insurance to farmers in Illinois, but soon enough, it began expanding its operations to include people from all backgrounds, cities, and towns.
State Farm now offers financial services in addition to multiple lines of insurance products, including home and property insurance, business insurance, and health insurance. It has been America’s largest auto insurer since 1942, America’s largest home insurer since 1964, and America’s second-largest life insurer since 2016.
The company has also led numerous efforts for road safety, such as helping pass seat belt laws and advocating for teen driver safety.
State Farm Contact Information
Customer service phone number 1 (800) 782-8332
Claims service phone number 1 (800) 732-5246
Roadside Assistance number 1 (877) 627-5757
Headquarters address One State Farm Plaza, Bloomington, Illinois 61710
Website URL statefarm.com