Catherine leverages her background in education and finance to write articles that help readers make informed decisions about their insurance and finances.
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Mark FriedlanderSenior Director, Media Relations, Triple-I
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 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.
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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 an Insurify Quality (IQ) Score of 9.3 out of 10. The company earned a high score in part due to above-average customer satisfaction rankings, solid financial strength ratings, and quality coverage offerings.
State Farm has an A++ (Superior) financial strength rating from AM Best, the highest rating possible.[2]
The national average cost of full-coverage auto insurance from State Farm is $116 per 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]
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.
$56/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.
$116/mo
4.1
Best choiceBased on 11,264 verified guest reviews and ratings
How drivers feel about State Farm
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
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.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,043)
Duane
July 1, 2025
Verified Review
40+ years says it all!
State Farm has always met my expectations for the 40+ years of service.
Krystal
July 1, 2025
Verified Review
Good
State Farm was my best insurance company, but I couldn't pay my bill because it was too high.
Steven
June 30, 2025
Verified Review
Happy but Broke Now
State Farm is a great company that comes at a premium.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
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
State Farm vs. Allstate, GEICO, and Farmers
Average price
Prices based on average across state-minimum and full coverage car insurance
$86/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$100/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$129/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
State Farm car insurance coverage
State Farm offers various car insurance coverage options for customers, including:
Collision
Collision coverage can help you repair your car after an accident with another vehicle or an object like a tree.
Comprehensive
Comprehensive coverage provides coverage for non-collision incidents, including theft, vandalism, fire, weather hazards, cracked windshields, and hitting an animal on the road.
Liability
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.
Car rental and travel expense 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.
Uninsured/underinsured motorist
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.
Roadside assistance insurance pays for towing and labor when you need a tow, jump-start, or tire change on the road.
Rideshare insurance
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.
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Liability quotes start at $23/mo.
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Based on 3,806+ reviews
4.8/5
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 can also 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 liability-only and full-coverage car insurance.
Average Monthly Cost by State
State
Average Monthly Quote: Liability Only
Average Monthly Quote: Full Coverage
Alabama
$69
$105
Alaska
$84
$120
Arizona
$91
$124
Arkansas
$43
$80
California
$124
$310
Colorado
$77
$109
Connecticut
$87
$126
Delaware
$150
$226
Florida
$81
$97
Georgia
$106
$142
Hawaii
$60
$133
Idaho
$42
$43
Illinois
$48
$73
Indiana
$46
$72
Iowa
$14
$33
Kansas
$69
$83
Kentucky
$111
$148
Louisiana
$90
$128
Maine
$42
$81
Maryland
$193
$241
Massachusetts
$67
$71
Michigan
$123
$218
Minnesota
$63
$83
Mississippi
$43
$70
Missouri
$70
$105
Montana
$37
$65
Nebraska
$69
$122
Nevada
$54
$82
New Hampshire
$42
N/A
New Jersey
$347
$388
New Mexico
$98
$151
New York
$398
$500
North Carolina
$81
$97
North Dakota
$31
$35
Ohio
$51
$72
Oklahoma
$48
$82
Oregon
$116
$132
Pennsylvania
$72
$83
Rhode Island
$67
$109
South Carolina
$67
$109
South Dakota
$42
$65
Tennessee
$46
$76
Texas
$50
$84
Utah
$111
$130
Vermont
$19
$43
Virginia
$53
$91
Washington
$52
$115
District of Columbia
$154
$228
West Virginia
$60
$77
Wisconsin
$37
$59
Wyoming
$27
$47
State Farm auto insurance rates by driving history
Your driving history influences your car insurance rates. If you have a clean driving record, you’ll 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. But 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, 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 then receive discounts for enrolling and driving safely. 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 rank 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 drive only 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 per year on auto and home insurance when you bundle.
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 in to the program and agree to have State Farm track your driving. The payoff is that you could save up to 30% on your premiums. If you want to download the app, text SAVE to 42407.
State Farm Insurance reviews
Read verified reviews from State Farm customers.
Duane - July 1, 2025
Verified
40+ years says it all!
State Farm has always met my expectations for the 40+ years of service.
Krystal - July 1, 2025
Verified
Good
State Farm was my best insurance company, but I couldn't pay my bill because it was too high.
Steven - June 30, 2025
Verified
Happy but Broke Now
State Farm is a great company that comes at a premium.
Tammi - June 29, 2025
Verified
State Farm is financially greedy
State Farm is ridiculously expensive!
…
State Farm ratings
State Farm has earned generally poor ratings from trusted review sites. Here are some of State Farm’s ratings:
Trustpilot: 1.5 out of 5 stars with 855 reviews
Sitejabber: 1.2 out of 5 stars with 166 reviews
National Association of Insurance Commissioners (NAIC): Below average number of consumer complaints
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4.8/5
How to file an auto insurance claim with State Farm
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. But it has had accusations 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 TheNew 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 and from 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 $116 per month for full coverage and $56 per month for liability-only insurance.
Is State Farm good with claims?
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.
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.
How do you cancel your State Farm insurance policy?
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.
Methodology
Insurify data scientists analyzed more than 90 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:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
The New York Times. "Where State Farm Sees ‘a Lot of Fraud,’ Black Customers See Discrimination."
Associated Press. "State Farm subsidiary to pay $100M for false Katrina claims."
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.
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark FriedlanderSenior Director, Media Relations, Triple-I
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 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.
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