First Chicago vs State Farm Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

First Chicago
Not Rated
What is this?

Insurify Composite Score

State Farm
88
What is this?

Insurify Composite Score

First Chicago VS State Farm
Not Rated
88
What is this?
User Ratings
OptionsFirst Chicago State Farm
Rating/Reviews
6 reviews
2,186 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsFirst Chicago State Farm
Insurer Website--The rest
Local Agent--About average
Overall Satisfaction--About average
Policy Offerings--About average
Pricing--The rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsFirst Chicago State Farm
Claim Servicing--About average
Estimation Process--Better than most
First Notice of Loss (FNOL)--About average
Overall Satisfaction--About average
Rental Experience--About average
Repair Process--About average
Settlement--About average
J.D. Power Ratings by Region (out of 1000)
RegionFirst Chicago State Farm
California--813 pt
About average
Central--824 pt
About average
Florida--798 pt
The rest
Mid-Atlantic--826 pt
The rest
New England--838 pt
Better than most
New York--820 pt
About average
North Central--840 pt
Better than most
Northwest--817 pt
About average
Southeast--821 pt
About average
Southwest--829 pt
Better than most
Texas--816 pt
The rest
Mobile App Ratings
RegionFirst Chicago State Farm
Android--
12,082 Reviews
iOS--
288 Reviews
Financial Ratings
OptionsFirst Chicago State Farm
A.M. Best--A++
Moody's--Aa1
Standard & Poor's--AA

Auto Insurance Quotes

For Married Drivers

CityFirst Chicago State Farm
Austin--$52
Chicago$47$54
Philadelphia--$73
Phoenix--$72
Santa Monica--$81

For Single Drivers

CityFirst Chicago State Farm
Austin--$54
Chicago$58$54
Philadelphia--$74
Phoenix--$64
Santa Monica--$117

For Male Drivers

CityFirst Chicago State Farm
Austin--$52
Chicago$55$53
Philadelphia--$72
Phoenix--$63
Santa Monica--$116

For Female Drivers

CityFirst Chicago State Farm
Austin--$54
Chicago$49$56
Philadelphia--$76
Phoenix--$73
Santa Monica--$83

For Drivers with Speeding Ticket

CityFirst Chicago State Farm
Austin--$66
Chicago$74$60
Philadelphia--$84
Phoenix--$74
Santa Monica--$187

For Drivers with No Speeding Ticket

CityFirst Chicago State Farm
Austin--$50
Chicago$48$53
Philadelphia--$73
Phoenix--$67
Santa Monica--$80

For Drivers Age Between 18-40

CityFirst Chicago State Farm
Austin--$56
Chicago$64$55
Philadelphia--$76
Phoenix--$65
Santa Monica--$132

For Drivers Age Between 40-65

CityFirst Chicago State Farm
Austin--$50
Chicago$43$51
Philadelphia--$69
Phoenix--$68
Santa Monica--$79

For Drivers Age of 65+

CityFirst Chicago State Farm
Austin--$52
Chicago$41$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$55

For Drivers with Average Credit

CityFirst Chicago State Farm
Austin--$60
Chicago$56$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$95

For Drivers with Fair Credit

CityFirst Chicago State Farm
Austin--$58
Chicago$52$60
Philadelphia--$81
Phoenix--$90
Santa Monica--$81

For Drivers with Good Credit

CityFirst Chicago State Farm
Austin--$52
Chicago$46$53
Philadelphia--$72
Phoenix--$62
Santa Monica--$89

For Drivers with Excellent Credit

CityFirst Chicago State Farm
Austin--$42
Chicago$55$43
Philadelphia--$59
Phoenix--$39
Santa Monica--$131

Quotes & Discounts

Discount typeFirst Chicago State Farm
Anti-Theft DeviceUp to 20%Up to 15%
Claims Free RenewalUp to 20%Varies
Multiple VehicleUp to 15%Up to 20%
Defensive DriverUp to 5%Up to 5%
Good DriverUp to 5%Up to 25%
Good StudentUp to 5%Up to 25%
Home OwnerUp to 5%Varies
Paid in fullUp to 5%--
Advance shopperVaries--
Anti-lock BrakeVariesUp to 20%
Continuous CoverageVaries--
Current insuranceVaries--
Early QuoteVaries--
LoyaltyVariesVaries
Mature driverVariesVaries
No lapse in coverageVaries--
Occasional driverVaries--
Prior carrierVaries--
Provider SwitchVaries--
VIN EtchingVaries--
Accident Free--Up to 15%
Daytime Running Lights--Varies
Driving Habits--Up to 30%
Driving training--Varies
Good Credit--Up to 80%
Low Mileage--Up to 10%
Military--Varies
Multiple Policy--Up to 17%
New Car--Up to 40%
Passive Restraint--Up to 40%
Senior Adult--Varies
Student Away at School--Varies
Travelink--Varies
teenSMART--Up to 15%

Payment Methods

Discount typeFirst Chicago State Farm
Automatic Online Payment
--yes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
In Person Payment
yesyes
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Pay Through Your Agent
--yes
Person 2 Person Payment --yes
Phone Payment
yesyes
Prepayment
yes--

Features and Services

Features and ServicesFirst Chicago State Farm
24/7 serviceyesyes
Enhanced towing & substitute coverage--yes
Flexible / convenient paymentsyesyes
Loyalty rewards program--yes
Mobile app--yes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesFirst Chicago State Farm
Accidental Death, Dismemberment, Disability
--yes
Antique or Collector Car Insurance
--yes
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
--yes
Glass Coverage --yes
Mechanical Breakdown Insurance
--yes
Preferred Repair Services
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes

Insurance by State

Uber and Lyft driver insurance

  • First Chicago
  • State Farm
  • Both

Compare Insurance Products

ProductFirst Chicago State Farm
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Disability InsuranceDisability Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Golf Cart InsuranceGolf Cart Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insurance--yes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insurance--yes
Long-Term Care InsuranceLong-Term Care Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Snowmobile insuranceSnowmobile insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • First Chicago Reviews
  • State Farm Reviews
3.3
5 Stars
50 %
3 Stars
17 %
1 Star
33 %

Most Positive Review

By Lynn
It's my choice I just need a lower rate

Most Critical Review

By Vincent
TOO EXPENSIVE!!

All Reviews

Showing 1 - 6 out of 6 Reviews
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Read reviews that mention

maria diaz
Es barato y miy Buena aseguranza
Tracy
If I could give them zero stars I would. I was in a wreck that was not my fault and had a very hard time communicating with this company. That should've been my first red flag. I drive a Chevy 1500 Silverado and needed a like kind rental car for my business to operate. I got a Tahoe as a rental car so I could continue working then when it came time to get a check they did not even give me half for the rental car. What they never mentioned (because they were impossible to get ahold of) was that you only get $29 a day for a vehicle. I WAS NEVER TOLD THIS. So now I am out over $1000 and they have taken zero responsibility. If you get in a wreck and they have this insurance company try like HELL to settle without getting insurance involved because you will hate them as much as I did. TRASH company. TRASH employees. TRASH communication. and TRASH management. ABSOLUTE GARBAGE.
Quinica Darden
They suck majorly. I've paid all this money every month, then something finally happens. These people have had my car for the longest, and they haven't called me to update me on anything. They are moving extremely slow with my process. Ive been in this rental for 2 weeks now and have had to pay 599.00 for the two weeks. They will only reimburse me up to 420.00 of that. Now I have to keep the rental longer and pay more because they took their sweet time with my claim, and still don't have any information to give me about my car that they still have in their possession. People pay their money to feel safe and secure, and know they will be taken care of. Even their managememt promised to call me back to update me and still didn't. I never got one call from my claims officer ever. I had to call them because they xan take my money but dont know how to contact you and update you on tue status of your property. I feel scammed. I feel like Ive been jipped out if everything. I would not recomment these people. I would give them 0 stars if that was an option. I payed full coverage service to barely receive service at all. I want to say so much more, but its beneath me. It's been 30 days now and still no answer from them. I cant wait to get my property back. 1st chicago will not get another dime from me. Im switching to Progressive. They might cist more, but they take better care of their people, and actually care. I can't believe I stayed with this company for as ling as I did.
Misty cooksey
5 stars
Lynn
It's my choice I just need a lower rate
Vincent
TOO EXPENSIVE!!

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.