State Farm Car Insurance Review: Costs and Ratings (2024)

Catherine Collins
Catherine Collins

Catherine leverages her background in education and finance to write articles that help readers make informed decisions about their insurance and finances.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated June 20, 2024

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For more than 100 years, State Farm has helped insure its customers with its car, home, and life insurance products. As a company, it’s financially strong and committed to community service. It’s the largest auto insurance and home insurance company in the United States by market share.[1]

Quick Facts
  • State Farm has been in operation since 1922.

  • State Farm has an A++ (Superior) financial strength rating from AM Best, the highest level possible.[2]

  • State Farm full-coverage auto insurance costs an average of $119 a month.

What is State Farm car insurance?

Although State Farm offers various insurance products, it actually started with car insurance as its only offering. In 1922, retired farmer G. J. Mecherle started the company to provide car insurance to rural drivers. Over time, the company grew, and now it offers numerous different products to customers.[3]

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$55/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.
$119/mo

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.

Pros
  • High rates of customer satisfaction

  • Rideshare insurance available

Cons
  • Doesn't offer accident forgiveness or gap coverage

  • May not be the cheapest choice for drivers with violations

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

How does State Farm auto insurance work?

State Farm collects premiums from customers to keep their coverage active throughout their policy’s term. Customers can file a claim after an accident or covered event for State Farm to reimburse or cover medical or car repair bills, minus a deductible.

In February 2023, State Farm issued its 2022 financial results, in which it reported its poorest auto insurance year in the company's history due to accident claim severity. However, despite the losses in auto insurance, State Farm remained financially strong and has maintained its financial strength and credit ratings.[1]

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State Farm car insurance coverage

State Farm offers various car insurance coverage options for customers, including:

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Collision coverage

    This is designed to help you repair your car after an accident with another vehicle or an object like a tree.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive provide coverage for non-collision incidents, including theft, vandalism, fire, weather hazards, cracked windshields, and hitting an animal on the road.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Liability coverage

    If you cause an accident, this 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.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Car rental and travel expense coverage

    This coverage helps pay for a rental car while your car is being repaired after 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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motor vehicle coverage

    Unfortunately, not all drivers carry adequate liability insurance. If someone who doesn’t have insurance or doesn’t have enough causes an accident, this coverage pays for your remaining medical and repair bills.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    This insurance coverage pays for medical and funeral expenses after an accident.

Additionally, State Farm offers these non-standard coverages:

  • Emergency road service coverage: This additional insurance pays for towing and labor when you need a tow, jump start, or tire change on the road.

  • Rideshare driver coverage: 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.

How to get a State Farm car insurance quote

You can get a State Farm car insurance quote directly on the State Farm insurance home page. Select “Auto” for your insurance product and enter your ZIP code. Then, you create your Personal Price Plan, which generates an auto insurance quote. Or, you can contact a local State Farm agent for a quote.

You also can use a quote-comparison platform like Insurify. Although State Farm is a well-known company, insurance prices can vary depending on your personal situation. Using a quote-comparison platform can help you determine which insurance company offers you the best coverage for the best price.

State Farm car insurance cost by state

Car insurance prices vary by state.[4] Below are the average monthly rates for State Farm’s full-coverage and liability-only car insurance, listed from the cheapest to most expensive states.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

State NameAverage Monthly Quote: Full CoverageAverage Monthly Quote: Liability Only
Tennessee$44$22
Wisconsin$45$23
Illinois$47$30
Indiana$55$29
West Virginia$55$33
Arkansas$59$29
New Mexico$63$32
Oklahoma$63$35
Texas$64$37
New Hampshire$65$42
Missouri$67$35
Alabama$69$37
Nebraska$69$43
Mississippi$71$36
Ohio$71$39
Virginia$73$40
Florida$83$72
Maine$83$43
Nevada$87$53
Pennsylvania$94$51
South Carolina$95$56
Connecticut$97$58
Arizona$99$59
Colorado$99$48
Kentucky$101$64
North Carolina$103$67
Georgia$105$69
Washington$118$54
Louisiana$119$73
Delaware$127$86
Utah$132$87
Rhode Island$141$106
Washington D.C.$164$93
Maryland$201$135
Michigan$232$132
New Jersey$317$210
California$364$174
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

State Farm auto insurance rates by driving history

Your driving history influences your car insurance rates. If you have a clean driving record, you can expect to pay lower average rates than if you had a DUI, speeding ticket, or at-fault accident in the past.[4] Here’s how driving history can affect State Farm’s average monthly quotes.

Quote Price by Driving Record

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

State Farm car insurance cost by age

Younger drivers are riskier than older drivers, so they tend to pay more on average for car insurance.[4] However, once drivers reach 25 years old, their rates drop significantly. Here are State Farm’s average monthly premiums based on driver age.

Quote Price by Age Group

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

State Farm car insurance discounts

State Farm insurance, like many other auto insurers, offers several car insurance discounts for drivers to save money. Here are some of the most popular ones:

  • Safe driver: State Farm has a program called Drive Safe & Save. You enroll via a mobile app that tracks your driving and receive discounts for enrolling and driving safely. Furthermore, drivers with no moving violations or accidents in the past three years can save on their premiums.

  • Steer Clear: This is a program for new drivers or drivers younger than 25. Through this program, you learn how to become a safer driver. If you complete the program requirements and have no at-fault accidents or moving violations, you can earn a premium discount.

  • Good student: You can get a good student discount if you’re ranked in the top 20% of your class, have a 3.0 GPA, made the dean’s list, or are on the honor roll.

  • Student away at college: Students younger than 25 who move away to school, and who only drive during holidays and school vacations, may be eligible for this discount.

  • Multiple cars: If you insure two or more vehicles at the same address with State Farm, you could qualify for a discount.

  • Vehicle safety features: People with cars that have anti-theft devices, passenger restraints, and other safety features can potentially score discounts.

State Farm insurance bundling options

When you purchase home insurance and car insurance policies from the same company, you typically get a discount. State Farm offers a bundling discount for customers who buy auto insurance and home, condo, life, or renters insurance. It advertises savings of up to $1,127 a year on auto and home insurance when you bundle.

State Farm Insurance reviews

Read verified reviews from State Farm customers.

Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.
Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.
Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.
Theresa - June 20, 2024
Verified

Like a Bad Neighbor, State Farm Isn't There

At this time, it's not good. You call them, leave a message because they never pick up the phone, and they hardly ever call you back. You request different paperwork and they say they're going to send it, but they never do.

State Farm ratings

State Farm has earned generally poor ratings from trusted review sites. Here are some of State Farm’s ratings:

  • Trustpilot: 1.9 out of 5 stars with 327 reviews

  • Sitejabber: 2 out of 5 stars with 112 reviews

  • National Association of Insurance Commissioners (NAIC): Below average number of consumer complaints

State Farm Insurance vs. other insurance providers

The car insurance market is highly saturated, so here’s how State Farm compares against other insurers in the marketplace.

State Farm vs. Allstate

Allstate is a large insurance company that offers auto, home, renters, life insurance, and more. It’s been in operation for 92 years, almost as long as State Farm. Allstate has an AM Best financial strength rating of A+ (Superior), meaning it has the ability to pay out future claims.

Allstate offers more auto insurance discounts than State Farm. For example, Allstate offers an early signing discount when you sign your policy before it becomes effective, an antilock brake discount, and even a new-car discount.

Allstate’s average monthly auto insurance rate is $138 for full-coverage insurance and $63 for liability-only insurance. By comparison, State Farm's full-coverage and liability-only averages are $119 and $55, respectively.

State Farm vs. Farmers

Farmers is another large company that offers various products like life, home, renters, and more. It offers standard coverage options for liability, comprehensive, collision, and more, plus a long list of riders for added protection. Additionally, Farmers has many of the same discount options as State Farm, with a few more like alternative fuel vehicle discounts and discounts for paying your premium in full. The average monthly insurance rate for Farmers insurance is $317 for full coverage and $218 for liability-only coverage.

State Farm vs. GEICO

GEICO is a large insurance company that provides auto, homeowners, renters, boat, and business insurance to its customers. GEICO started in 1936, so it’s a very well-known, well-established insurance company, much like State Farm. GEICO, like State Farm, has an A++ AM Best rating, meaning it’s financially sound and able to pay out future claims. GEICO's national average cost for full-coverage car insurance is $121 per month, and $55 for liability-only coverage.

State Farm car insurance pros and cons

Here are advantages and disadvantages to consider when reviewing State Farm’s car insurance product:

Pros
  • Long-standing history in car insurance

  • Superior AM Best financial strength rating

  • Offers rideshare insurance for drivers

Cons
  • Low customer satisfaction ratings

  • Doesn’t offer gap insurance

  • Not as many discounts as competitors

What is State Farm Drive Safe & Save?

If you enroll in State Farm’s Drive Safe & Save program, it will track and record your driving habits. You have to opt into the program and agree to have State Farm track your driving. The payoff is you could save up to 30% on your premiums. If you want to download the app, text SAVE to 42407.

Filing an auto insurance claim with State Farm Insurance

After an accident or covered event, you can file a claim with your insurance company to request reimbursement up to your policy limits after paying any deductibles.[5] State Farm recommends using its mobile app to file the claim. When filing a claim, make sure you have all your information handy, such as the date and time of the incident, location of the incident, description of the damages, and more.

Once you fill out this information, you can start a claim, and a State Farm representative will contact you with the next steps.

State Farm car insurance FAQs

Below are answers to some of the most frequently asked questions about State Farm Insurance.

  • Is State Farm Insurance legitimate?

    State Farm is a legitimate company and the largest property/casualty insurance company in the United States by market share. However, it has been accused of fraudulent and allegedly discriminatory practices. In one instance, the Equal Opportunity Commission agreed with a former State Farm employee that State Farm carried out racial discrimination practices. Other agents came forward with similar claims and the insurer has faced multiple lawsuits, according to The New York Times.[6] In 2022, a U.S. district court found a State Farm subsidiary guilty of committing insurance fraud against the federal government after Hurricane Katrina and ordered the company to pay $100 million in restitution, according to the Associated Press.[7]

    It's also worth noting that State Farm has positive ratings from the NAIC for lower numbers of customer complaints, a J.D. Power for high customer satisfaction.

  • Is State Farm car insurance right for you?

    Whether State Farm car insurance is right for you will be up to your personal preferences, your budget, and your personal driving record.

  • What is the average cost of State Farm car insurance?

    The national average for State Farm auto insurance is $119 per month for full coverage and $55 per month for liability-only insurance.

  • Is State Farm good with claims?

    According to AM Best, which rates the financial stability of insurance agencies, State Farm has earned an A++ financial strength rating, the highest rating possible.[2] This means State Farm has the financial ability to pay out future claims.

  • Does State Farm track your driving?

    Yes, if you opt into the Drive Safe & Save telematics program, State Farm will use a mobile app to track your driving.

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Sources

  1. State Farm. "State Farm® announces 2022 financial results."
  2. Business Wire. "AM Best Affirms Credit Ratings of State Farm Mutual Automobile Insurance Company and Its Subsidiaries."
  3. State Farm. "State Farm® 100 year anniversary."
  4. III. "What determines the price of an auto insurance policy?."
  5. III. "How to file an auto insurance claim."
  6. The New York Times. "Where State Farm Sees ‘a Lot of Fraud,’ Black Customers See Discrimination."
  7. Associated Press. "State Farm subsidiary to pay $100M for false Katrina claims."
Catherine Collins
Catherine Collins

Catherine Collins is a freelance financial writer and author based in Detroit. She's the co-founder of MillennialHomeowner.com and MomsGotMoney.com, and author of the book Mom’s Got Money: A millennial mom’s guide to managing money like a boss. She has written for US News, Huffington Post, Money, Business Insider, Investopedia, Entrepreneur, Go Banking Rates, and many other publications. She currently resides in Detroit, Michigan with her boy-girl twins and a rescue dog named Julep.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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