Foremost 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

Foremost
Not Rated
What is this?

Insurify Composite Score

State Farm
88
What is this?

Insurify Composite Score

Foremost VS State Farm
Not Rated
88
What is this?
User Ratings
OptionsForemost State Farm
Rating/Reviews
10 reviews
2,186 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsForemost 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)
OptionsForemost 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)
RegionForemost 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
RegionForemost State Farm
Android--
12,082 Reviews
iOS--
288 Reviews
Financial Ratings
OptionsForemost State Farm
A.M. Best--A++
Moody's--Aa1
Standard & Poor's--AA

Auto Insurance Quotes

For Married Drivers

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

For Single Drivers

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

For Male Drivers

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

For Female Drivers

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

For Drivers with Speeding Ticket

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

For Drivers with No Speeding Ticket

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

For Drivers Age Between 18-40

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

For Drivers Age Between 40-65

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

For Drivers Age of 65+

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

For Drivers with Average Credit

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

For Drivers with Fair Credit

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

For Drivers with Good Credit

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

For Drivers with Excellent Credit

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

Quotes & Discounts

Discount typeForemost State Farm
Accident ForgivenessVaries--
Accident FreeVariesUp to 15%
Advance shopperVaries--
Anti-Theft DeviceVariesUp to 15%
Anti-lock BrakeVariesUp to 20%
Claims Free RenewalVariesVaries
Continuous CoverageVaries--
Daytime Running LightsVariesVaries
DeductibleVaries--
Defensive DriverVariesUp to 5%
Early QuoteVaries--
Good DriverVariesUp to 25%
Home OwnerVariesVaries
Mature driverVariesVaries
Multiple PolicyVariesUp to 17%
Multiple VehicleVariesUp to 20%
Paid in fullVaries--
Paperless documentsVaries--
Passive RestraintVariesUp to 40%
Preferred paymentVaries--
Prior carrierVaries--
Provider SwitchVaries--
Senior AdultVariesVaries
Student Away at SchoolVariesVaries
VIN EtchingVaries--
teenSMARTVariesUp to 15%
Driving Habits--Up to 30%
Driving training--Varies
Good Credit--Up to 80%
Good Student--Up to 25%
Low Mileage--Up to 10%
Loyalty--Varies
Military--Varies
New Car--Up to 40%
Travelink--Varies

Payment Methods

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

Features and Services

Features and ServicesForemost State Farm
24/7 serviceyesyes
Accident forgivenessyes--
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 CoveragesForemost State Farm
Accidental Death, Dismemberment, Disability
--yes
Antique or Collector Car Insurance
--yes
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
--yes
Gap Insurance
yes--
Glass Coverage --yes
Mechanical Breakdown Insurance
--yes
Original Equipment Manufacturer Coverage
yes--
Personal Auto Plus
yes--
Preferred Repair Services
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Work Loss Coverage
yes--

Uber and Lyft driver insurance

  • Foremost
  • State Farm
  • Both

SR‌-22 Insurance by State

  • Foremost
  • State Farm
  • Both

Compare Insurance Products

ProductForemost 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

  • Foremost Reviews
  • State Farm Reviews
3.3
5 Stars
40 %
3 Stars
30 %
2 Stars
10 %
1 Star
20 %

Most Positive Review

By Beth
No complaints just price

Most Critical Review

By Lisa
Not happy with the service from the agent or the insurance company correcting The information for the hours driver discount that we were supposed to get. The accident that was reported incorrectly caused us to pay severely higher rates. When the information was corrected it was than planned on my husband who had not had it on his record because it was not his.i showed it was not mine and it automatically was added to him. Not happy with this because of the super high rates we were incorrectly caused to pay!!!!

All Reviews

Showing 1 - 10 out of 10 Reviews
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Read reviews that mention

Dallas
Travis
They tell u one price and it end up something else
Pamela
Well I was insured with them but everything was set up through my husband our fees were expensive because he had a terrible driving record so I understood why. Then he suddenly passed away it took me a while to make the phone calls to people and businesses that you need to tell them about his passing... When I did they still left insurance in his name, they didn't refund me any of the money from his policy he hadn't used for like a whole year. And on top of it they kept my rate really really high, and I've only had 1 ticket ever and that was 20 years ago I've been driving 28 years. Then they raised my insurance by almost double. So im leaving them.
Beth
No complaints just price
Lisa
Not happy with the service from the agent or the insurance company correcting The information for the hours driver discount that we were supposed to get. The accident that was reported incorrectly caused us to pay severely higher rates. When the information was corrected it was than planned on my husband who had not had it on his record because it was not his.i showed it was not mine and it automatically was added to him. Not happy with this because of the super high rates we were incorrectly caused to pay!!!!
Sandra
Found people who have foremost with multiple issues and large history being quoted less that myself
Ryan
Ryan
Diane
Diane

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.