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Over 5 years of experience in financial writing
Certified in financial planning by Boston University
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
State Farm is one of the most well-known companies in the car insurance market. It’s also the largest insurer, covering nearly 20% of drivers in the U.S.[1] With more than 100 years in business, the company has built a strong reputation based on customer service and financial stability.
State Farm has plenty of advantages, including its network of local agents, affordable pricing, and strong claims tools. This review rounds up verified Insurify user reviews, industry rankings, and our expert analysis. Here’s how State Farm stacks up when it comes to cost, claims, and customer satisfaction.
Average monthly premium: $104 for full coverage
State Farm user rating: 4.1/5 from 20,515 verified Insurify reviews
Insurify Quality (IQ) Score: 9.3/10
Best for: Drivers who want excellent customer service
Here's our honest review about State Farm for car insurance in just a few paragraphs:
State Farm consistently stands out as one of the best car insurance companies on the market.
State Farm has a reputation in the insurance industry for strong customer service. The company ranks above average in both auto insurance claims satisfaction and overall customer satisfaction nationwide in J.D. Power studies.[2] [3] It also has fewer complaints than expected with the National Association of Insurance Commissioners (NAIC).
The company operates through a network of local insurance agents. It has below-average rates for nearly every type of driver, making it a great option for anyone on a budget. State Farm doesn’t have as many coverage options or discounts as many of its competitors (though it still has plenty of ways to save).
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $52/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $104/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in every state except Rhode Island and Massachusetts, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.
High rates of customer satisfaction
Rideshare insurance available
Doesn’t offer accident forgiveness or gap coverage
May not be the cheapest choice for drivers with violations
Expert Insight
“State Farm has lots of local offices. But it’s received negative feedback from customers recently, and it has a reputation for not paying out claims.”
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We’ve rated State Farm in categories like customer service, claims handling, and overall experience based on the 20,515 ratings from real insurance customers. You can see these scores in the table below.
Category | Average Score |
|---|---|
| Overall experience rating | 4.1/5 |
| Customer service | 4.3/5 |
| Value | 3.7/5 |
| Claims handling | 4.1/5 |
| Coverage options | 4.1/5 |
| Discounts | 3.9/5 |
| Policy transparency | 3.9/5 |
| Policy flexibility | 4.0/5 |
Insurify collects verified reviews from people who’ve gone through our car insurance quote process to switch insurance companies. Below, you can read some reviews of real State Farm customers to see how they feel about the company.
Exploring rankings from third-party agencies can help you learn more about State Farm’s reputation, customer service, and financial strength. These reviews generally reveal how current and past policyholders feel about the company, as well as how equipped it is for claim payouts.[4]
The table below shows State Farm’s ratings from some of the top rating agencies.
Rating | Score | What This Means |
|---|---|---|
| IQ Score | 9.3/10 | Higher than most companies |
| AM Best | A++ | Superior financial strength |
| J.D. Power | 716/1,000 | Above-average claims satisfaction |
| NAIC complaint index | 0.85 | Fewer complaints than expected |
| BBB customer reviews | 1.23 | Not a BBB-accredited business and generally doesn’t respond to comments or complaints |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
|  |  |  |  |
|---|---|---|---|---|
Average price $78/mo* | Average price $105/mo* | Average price $112/mo* | Average price $125/mo* | Average price $167/mo* |
Overall rating | Overall rating | Overall rating | Overall rating | Overall rating |
Value for money | Value for money | Value for money | Value for money | Value for money |
Customer service | Customer service | Customer service | Customer service | Customer service |
Claims handling | Claims handling | Claims handling | Claims handling | Claims handling |
Special highlight Customer serviceAI-generated from 20515 user reviews | Special highlight Competitive ratesAI-generated from 23748 user reviews | Special highlight Teen driversAI-generated from 20210 user reviews | Special highlight Accident forgivenessAI-generated from 11979 user reviews | Special highlight Numerous discountsAI-generated from 4312 user reviews |
State Farm charges an average of $52 per month for liability insurance and $104 per month for full coverage, Insurify data shows.
State Farm’s rates are well below the industry average, even for higher-risk drivers like teens, drivers with poor credit, and people with spotty driving records.
Having a past accident or violation on your driving record can cause your insurance costs to spike. The table below shows how much you might pay from several national insurers with a clean driving record, compared to if you have a speeding ticket, accident, or driving under the influence (DUI) conviction.
Driving Record | State Farm | Progressive | GEICO | Allstate | Liberty Mutual |
|---|---|---|---|---|---|
| Clean driving record | $104 | $132 | $144 | $159 | $206 |
| One speeding ticket | $133 | $191 | $197 | $0 | $268 |
| At-fault accident | $140 | $208 | $192 | $0 | $276 |
| DUI | $148 | $250 | $207 | $0 | $294 |
Insurance premiums vary by age group, and teen drivers pay more for car insurance than experienced drivers. The table below breaks down State Farm’s average rates by age range compared to several of its competitors.
Age | State Farm | Progressive | GEICO | Allstate | Liberty Mutual |
|---|---|---|---|---|---|
| Teen drivers | $212 | $287 | $258 | $0 | $344 |
| Adult drivers | $95 | $133 | $140 | $0 | $220 |
| Senior drivers | $74 | $93 | $104 | $0 | $164 |
State Farm doesn’t have quite as many auto insurance discounts as some of its competitors, but it’s still possible to save on your premiums — especially if you’re a safe driver or you bundle your policies.[5]
The table below shows some of State Farm’s discounts and how much you can save.
Discount | % Savings |
|---|---|
| Drive Safe & Save telematics program | Up to 30% |
| Steer Clear program for young drivers | Not disclosed |
| Multi-policy/multi-vehicle discounts | Up to 20% |
| Defensive driving course | Not disclosed |
| Good driver discount | Not disclosed |
| Safety and anti-theft discounts | Varies |
| Young driver and good student discounts | Up to 25% |
Minimum-coverage policies start at just $43/mo.
State Farm offers various car insurance coverage options for customers, including:
Collision coverage can help you repair your car after an accident with another vehicle or an object like a tree.
Comprehensive insurance provides coverage for non-collision incidents, including theft, vandalism, fire, weather hazards, cracked windshields, and hitting an animal on the road.
If you cause an accident, liability coverage will pay for others’ medical expenses and repairs up to the limit on your policy. Most states require drivers to buy a minimum level of liability coverage.
Rental car coverage helps pay for a rental car while you have your car repaired following a covered incident. Travel expenses will help you pay for food and a place to stay if you’re in an accident 50 or more miles from where you live.
Unfortunately, not all drivers carry adequate liability insurance. If someone who doesn’t have insurance or doesn’t have enough causes an accident, uninsured/underinsured motorist coverage helps pay for your remaining medical and repair bills.
Medical payments coverage pays for medical and funeral expenses after an accident.
Roadside assistance insurance pays for towing and labor when you need a tow, jump-start, or tire change on the road.
State Farm’s rideshare coverage provides additional insurance when the service you’re driving for doesn’t. When the app is on and you’re waiting to accept a ride, State Farm’s coverage is active.
In addition to State Farm’s automobile insurance coverage, it has many other types of insurance, including vehicle, property, and personal insurance. Here are some of the other types of policies State Farm offers:
Other vehicle insurance: State Farm offers coverage for many other types of vehicles, including motorcycles, boats, ATVs, and other off-road vehicles, RVs, and trailers.
Homeowners, renters, and condo insurance: State Farm offers various types of property insurance, including homeowners insurance, renters insurance, and condo insurance. You can bundle any of these policies with your State Farm car insurance policy for a discount.
Landlord insurance: If you’re a landlord, you can get an insurance policy to help protect your property, cover liability claims, and cover some rental income losses.
Life insurance: State Farm offers term life, whole life, and universal life insurance to help you plan for the future and provide for your family after you pass away.
Personal liability insurance: State Farm’s personal umbrella insurance policies provide additional liability insurance on top of what your home and auto policies provide.
Pet insurance: While State Farm doesn’t directly offer pet insurance, it partners with Trupanion to provide pet insurance for dogs and cats.
Business insurance: State Farm offers various types of business insurance, including small business, commercial umbrella, commercial auto, workers’ compensation, and farm and ranch.
If you’ve been in an accident or sustained damage to your vehicle from something else, it’s important to file a claim with State Farm soon after to make sure the company covers it and to have the fastest resolution.
Follow these steps to file a claim with State Farm:
File a police report. Contact law enforcement to file a formal accident report and legally document accident details.
Gather documentation. Take pictures and videos of any damage and exchange important information with the other drivers involved, including insurance details.
File your claim. State Farm allows you to file a claim either over the phone with your agent, on the company’s website, or directly in the mobile app.
Work with the adjuster. A State Farm claims adjuster will review the claim information and complete a full investigation. Respond to any requests for more information quickly, like repair estimates, to keep the claims process moving.
Accept payment. Once the claim is complete, your insurance company will pay out the rest of the claim to repair or replace your vehicle after you pay your deductible.
Below are answers to some of the most frequently asked questions about State Farm Insurance.
Yes. State Farm is a legitimate company and the largest property/casualty insurance company in the U.S. by market share. The company has positive ratings from the NAIC for lower numbers of customer complaints and from J.D. Power for high customer satisfaction.
Whether State Farm car insurance is right for you will be up to your personal preferences, your budget, and your personal driving record.
The national average for State Farm auto insurance is $104 per month for full coverage and $52 per month for liability-only coverage, Insurify data shows.
State Farm has earned an A++ (Superior) financial strength rating from AM Best. This means the company has the financial ability to pay out future claims.
Yes. If you opt into the Drive Safe & Save telematics program, State Farm will use a mobile app to track your driving.
You can cancel a State Farm insurance policy over the phone, in person, or by mail. If you don’t know what to do, call your agent and ask them to walk you through the cancellation process. Before you cancel your policy, make sure you compare quotes and secure new coverage to avoid an insurance lapse.
Your premium can change each time your policy renews, which is typically every six months. Your rate might increase based on changes to your driving record, location-specific factors, or simply due to inflation. Your premium can also change in the middle of your policy term if you make any changes to your policy, such as adding a driver or increasing your coverage.
Yes. You can change your State Farm agent. Log in to your State Farm account on a web browser, scroll to your agent information, and click the “Change my agent” button to switch. Your current agent can also help you find a new agent if you’re relocating.
The Drive Safe & Save program is State Farm’s telematics program that allows you to save on your premiums based on your driving habits. When you enroll, you get a 10% discount for signing up and can save up to 30% off your premium after the Drive Safe & Save app tracks factors like acceleration, braking, cornering, phone use, and speed.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Over 5 years of experience in financial writing
Certified in financial planning by Boston University
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
