4.8out of 3,000+ reviews

Foremost Signature vs State Farm Car Insurance

Secure. Free. Easy-to-use.
auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

Foremost Signature
Not Rated
What is this?

Insurify Composite Score

State Farm
88
What is this?

Insurify Composite Score

Foremost Signature VS State Farm
Not Rated
88
What is this?
User Ratings
OptionsForemost Signature State Farm
Rating/Reviews
0 reviews
2,186 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsForemost Signature State Farm
Call Center RepresentativeThe rest--
Insurer WebsiteThe restThe rest
Local AgentBetter than mostAbout average
Overall SatisfactionAbout averageAbout average
Policy OfferingsThe restAbout average
PricingAbout averageThe rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsForemost Signature State Farm
Claim ServicingAbout averageAbout average
Estimation ProcessAbout averageBetter than most
First Notice of Loss (FNOL)About averageAbout average
Overall SatisfactionAbout averageAbout average
Rental ExperienceAbout averageAbout average
Repair ProcessThe restAbout average
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionForemost Signature State Farm
California--813 pt
About average
Central--824 pt
About average
Florida849 pt
Among the best
798 pt
The rest
Mid-Atlantic--826 pt
The rest
New England803 pt
The rest
838 pt
Better than most
New York834 pt
Better than most
820 pt
About average
North Central811 pt
The rest
840 pt
Better than most
Northwest--817 pt
About average
Southeast796 pt
The rest
821 pt
About average
Southwest--829 pt
Better than most
Texas823 pt
About average
816 pt
The rest
Mobile App Ratings
RegionForemost Signature State Farm
Android
1,187 Reviews
12,082 Reviews
iOS
224 Reviews
288 Reviews
Financial Ratings
OptionsForemost Signature State Farm
A.M. BestA+A++
FitchAA---
Moody'sAa3Aa1
Standard & Poor'sAA-AA

Auto Insurance Quotes

For Married Drivers

CityForemost Signature State Farm
Austin$82$52
Chicago$96$54
Philadelphia--$73
Phoenix$66$72
Santa Monica$119$81

For Single Drivers

CityForemost Signature State Farm
Austin$115$54
Chicago$133$54
Philadelphia--$74
Phoenix$102$64
Santa Monica$205$117

For Male Drivers

CityForemost Signature State Farm
Austin$106$52
Chicago$120$53
Philadelphia--$72
Phoenix$89$63
Santa Monica$194$116

For Female Drivers

CityForemost Signature State Farm
Austin$90$54
Chicago$110$56
Philadelphia--$76
Phoenix$79$73
Santa Monica$130$83

For Drivers with Speeding Ticket

CityForemost Signature State Farm
Austin$150$66
Chicago$183$60
Philadelphia--$84
Phoenix$150$74
Santa Monica$376$187

For Drivers with No Speeding Ticket

CityForemost Signature State Farm
Austin$87$50
Chicago$100$53
Philadelphia--$73
Phoenix$70$67
Santa Monica$116$80

For Drivers Age Between 18-40

CityForemost Signature State Farm
Austin$123$56
Chicago$137$55
Philadelphia--$76
Phoenix$106$65
Santa Monica$225$132

For Drivers Age Between 40-65

CityForemost Signature State Farm
Austin$76$50
Chicago$90$51
Philadelphia--$69
Phoenix$61$68
Santa Monica$117$79

For Drivers Age of 65+

CityForemost Signature State Farm
Austin$90$52
Chicago$125$62
Philadelphia--$84
Phoenix$86$80
Santa Monica$96$55

For Drivers with Average Credit

CityForemost Signature State Farm
Austin$113$60
Chicago$130$62
Philadelphia--$84
Phoenix$99$80
Santa Monica$148$95

For Drivers with Fair Credit

CityForemost Signature State Farm
Austin$107$58
Chicago$115$60
Philadelphia--$81
Phoenix$75$90
Santa Monica$131$81

For Drivers with Good Credit

CityForemost Signature State Farm
Austin$74$52
Chicago$96$53
Philadelphia--$72
Phoenix$69$62
Santa Monica$126$89

For Drivers with Excellent Credit

CityForemost Signature State Farm
Austin$99$42
Chicago$118$43
Philadelphia--$59
Phoenix$93$39
Santa Monica$244$131

Quotes & Discounts

Discount typeForemost Signature State Farm
Accident ForgivenessVaries--
Accident FreeVariesUp to 15%
Advance shopperVaries--
Affinity groupVaries--
AlumniVaries--
Anti-Theft DeviceVariesUp to 15%
Anti-lock BrakeVariesUp to 20%
Claims Free RenewalVariesVaries
DeductibleVaries--
Defensive DriverVariesUp to 5%
Driving HabitsVariesUp to 30%
Driving trainingVariesVaries
E-billingVaries--
Early QuoteVaries--
Good DriverVariesUp to 25%
Good StudentVariesUp to 25%
Home OwnerVariesVaries
LoyaltyVariesVaries
Multiple PolicyVariesUp to 17%
Multiple VehicleVariesUp to 20%
OrganizationVaries--
Paid in fullVaries--
Paperless documentsVaries--
Passive RestraintVariesUp to 40%
Preferred paymentVaries--
PrepayVaries--
Professional organizationVaries--
Roadside AssistanceVaries--
Seat Belt UseVaries--
Signing documents when you buy onlineVaries--
Starting your auto quote onlineVaries--
Student Away at SchoolVariesVaries
Youth DrivingVaries--
Daytime Running Lights--Varies
Good Credit--Up to 80%
Low Mileage--Up to 10%
Mature driver--Varies
Military--Varies
New Car--Up to 40%
Senior Adult--Varies
Travelink--Varies
teenSMART--Up to 15%

Payment Methods

Discount typeForemost Signature State Farm
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
In Person Payment
--yes
Mail Payment
yesyes
Mobile App Payments
yesyes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Pay Through Your Agent
yesyes
Payroll Deduction
yes--
Person 2 Person Payment --yes
Phone Payment
yesyes
Prepayment
yes--

Features and Services

Features and ServicesForemost Signature State Farm
24/7 serviceyesyes
Enhanced towing & substitute coverage--yes
Flexible / convenient paymentsyesyes
Loyalty rewards program--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesForemost Signature State Farm
Accidental Death, Dismemberment, Disability
--yes
Antique or Collector Car Insurance
--yes
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
--yes
Gap Insurance
yes--
Glass Coverage yesyes
Legal Defense Costs Coverage
yes--
Mechanical Breakdown Insurance
--yes
New Car Replacement Coverage
yes--
Original Equipment Manufacturer Coverage
yes--
Preferred Repair Services
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes

Uber and Lyft driver insurance

  • Foremost Signature
  • State Farm
  • Both

Compare Insurance Products

ProductForemost Signature State Farm
Accident InsuranceAccident Insuranceyes--
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insurance--yes
Cancer InsuranceCancer Insuranceyes--
Condo InsuranceCondo Insuranceyesyes
Critical Illness InsuranceCritical Illness Insuranceyes--
Dental InsuranceDental Insuranceyes--
Dwelling Fire InsuranceDwelling Fire Insuranceyesyes
Disability InsuranceDisability Insuranceyesyes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Golf Cart InsuranceGolf Cart Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insuranceyesyes
Hospital Indemnity InsuranceHospital Indemnity Insuranceyes--
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insuranceyesyes
Long-Term Care InsuranceLong-Term Care Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insuranceyesyes
Small Business InsuranceSmall Business Insuranceyes--
Snowmobile insuranceSnowmobile insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes
Vision InsuranceVision Insuranceyes--

User Reviews

  • Foremost Signature Reviews
  • State Farm Reviews
2.7
5 Stars
25 %
4 Stars
13 %
3 Stars
13 %
2 Stars
8 %
1 Star
41 %

Most Positive Review

By
I cannot say enough about how happy I am with your service. My agent was superb and got me a one year policy at a fixed low price so I no longer have to watch for payment increases that always happened with the other companies I have used in the past. I know I have a true advocate who's efforts are on MY behalf! I am a customer for life and always recommend you to friends and aquanitences.

Most Critical Review

By
Foremost Signature provides a great value if you measure a company only by their premiums. Unfortunately, after setting up a home, auto, and umbrella policy with them, they failed to START my home and auto policy. My umbrella policy, however, went through. A month after I started my policies, I received a notice saying that my umbrella policy was being cancelled since I didn't have home or auto through them. Fortunately I had not yet cancelled my existing insurance since I was waiting for ID cards from Foremost Signature which never arrived, otherwise I would have ended up being uninsured during this time. I called Foremost Signature to discuss the situation. My call was answered quickly by a friendly representative. She could see that these policies existed, but she couldn't determine anything beyond that. She offered to transfer me to sales where I could then set up another policy. I refused her offer as 1) I went through an excellent agent at Answer and I wanted him to get credit for the policy, and 2) I felt that any additional time spent with Foremost Signature was a waste. If they can't figure out how to start a policy, I have absolutely zero faith in them to be able to pay me in the event of a claim. Unfortunately, my employer uses Foremost Signature for dental insurance. They have a tendency to deny claims, and I've encountered that first hand. I complained about this to my dentist once, and I learned that this is par for the course. At the end of the day, I believe I dodged a bullet. If a company can't determine whether or not you have a policy with them when , why should I expect them to be able to pay out if the need arises? Stay away from the train wreck that is Foremost Signature.

All Reviews

Showing 1 - 10 out of 293 Reviews
Sort by

Read reviews that mention

Natalie
I have had this insurance for maybe 6 mos and i will be cancelling at the end of the month and go with the Hartford. Customer service, u call and u hear a child screaming. I could not understand the lady i spoke with My billing is so messed up, i am constantly locked out of my account, and when i do, u get this warning that their system was hacked, my automatic payments for some reason would not go thru, i get a letter stating they have cancelled my insurance and notifying the lender. I finally after 4 calls got online, edited my billing info, and ALAS!!! it happened again. I call again, get a temp password to get onto my account and then it wont let me change my password and obce again i am locked out I give up.
Terry
Brad
Charging me nearly 280$ per month for a 2011 chevy Malibu, AND I'm 50yrs old!! Will be switching very soon
George
Kimberley
Foremost Signature canceled my policy after I paid what was requested online before the cancellation date.
Christopher
Robert
ELIZABETH
Customer service is terrible. I had a no fault claim. They refused to pay for my car rental although I have rental car coverage. They were slow to respond, It was a nightmare! It was the worst experience with an auto insurance company. Guess you get what you pay for.
Don
Carlton
I've had no interaction with Met Life because I've had no accidents or traffic tickets. I've been surprised occasionally when Met Life has increased my premium by 50 cents or so per month without giving me advance notice. I subtract my automatically withdrawn monthly payment in my checkbook and have to make adjustments when my statement comes in.
Showing 1 - 10 out of 293 reviews

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.