Main Street America 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

Main Street America
Not Rated
What is this?

Insurify Composite Score

State Farm
88
What is this?

Insurify Composite Score

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

Auto Insurance Quotes

For Married Drivers

CityMain Street America State Farm
Austin--$52
Chicago--$54
Philadelphia--$73
Phoenix--$72
Santa Monica--$81

For Single Drivers

CityMain Street America State Farm
Austin--$54
Chicago--$54
Philadelphia--$74
Phoenix--$64
Santa Monica--$117

For Male Drivers

CityMain Street America State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$63
Santa Monica--$116

For Female Drivers

CityMain Street America State Farm
Austin--$54
Chicago--$56
Philadelphia--$76
Phoenix--$73
Santa Monica--$83

For Drivers with Speeding Ticket

CityMain Street America State Farm
Austin--$66
Chicago--$60
Philadelphia--$84
Phoenix--$74
Santa Monica--$187

For Drivers with No Speeding Ticket

CityMain Street America State Farm
Austin--$50
Chicago--$53
Philadelphia--$73
Phoenix--$67
Santa Monica--$80

For Drivers Age Between 18-40

CityMain Street America State Farm
Austin--$56
Chicago--$55
Philadelphia--$76
Phoenix--$65
Santa Monica--$132

For Drivers Age Between 40-65

CityMain Street America State Farm
Austin--$50
Chicago--$51
Philadelphia--$69
Phoenix--$68
Santa Monica--$79

For Drivers Age of 65+

CityMain Street America State Farm
Austin--$52
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$55

For Drivers with Average Credit

CityMain Street America State Farm
Austin--$60
Chicago--$62
Philadelphia--$84
Phoenix--$80
Santa Monica--$95

For Drivers with Fair Credit

CityMain Street America State Farm
Austin--$58
Chicago--$60
Philadelphia--$81
Phoenix--$90
Santa Monica--$81

For Drivers with Good Credit

CityMain Street America State Farm
Austin--$52
Chicago--$53
Philadelphia--$72
Phoenix--$62
Santa Monica--$89

For Drivers with Excellent Credit

CityMain Street America State Farm
Austin--$42
Chicago--$43
Philadelphia--$59
Phoenix--$39
Santa Monica--$131

Quotes & Discounts

Discount typeMain Street America State Farm
Accident FreeVariesUp to 15%
Anti-Theft DeviceVariesUp to 15%
Anti-lock BrakeVariesUp to 20%
Driving trainingVariesVaries
Good StudentVariesUp to 25%
Multiple PolicyVariesUp to 17%
Multiple VehicleVariesUp to 20%
Passive RestraintVariesUp to 40%
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Defensive Driver--Up to 5%
Driving Habits--Up to 30%
Good Credit--Up to 80%
Good Driver--Up to 25%
Home Owner--Varies
Low Mileage--Up to 10%
Loyalty--Varies
Mature driver--Varies
Military--Varies
New Car--Up to 40%
Senior Adult--Varies
Student Away at School--Varies
Travelink--Varies
teenSMART--Up to 15%

Payment Methods

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

Features and Services

Features and ServicesMain Street America State Farm
24/7 serviceyesyes
Enhanced towing & substitute coverage--yes
Flexible / convenient paymentsyesyes
Loyalty rewards program--yes
Mobile app--yes
Online account management--yes
Policy bundling discounts--yes
Roadside assistance--yes

Optional Coverages

Optional CoveragesMain Street America State Farm
Accidental Death, Dismemberment, Disability
--yes
Airbag Replacement Coverage
yes--
Antique or Collector Car Insurance
--yes
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
--yes
Glass Coverage yesyes
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
--yes

Insurance by State

Uber and Lyft driver insurance

  • Main Street America
  • State Farm
  • Both

Compare Insurance Products

ProductMain Street America State Farm
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insuranceyesyes
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Disability InsuranceDisability Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insuranceyesyes
Golf Cart InsuranceGolf Cart Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insuranceyesyes
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 Insuranceyesyes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Snowmobile insuranceSnowmobile insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Main Street America Reviews
  • State Farm Reviews
2.3
5 Stars
25 %
4 Stars
6 %
2 Stars
6 %
1 Star
63 %

Most Positive Review

By Marilyn
Great rates

Latest Review

By avigdor rosenfeld
The cheapest prices

All Reviews

Showing 1 - 10 out of 16 Reviews
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Read reviews that mention

avigdor rosenfeld
The cheapest prices
Brandy H
If I could give zero stars I would. Their policy holder, Mrs. Park hit ME coming into a parking garage on the wrong side of the road, facing outgoing traffic and hit my car. AMANDA **** (************************ ************) my insurance adjuster through them has not returned a single voicemail 8 of them since DECEMBER 21st...it is now January 9th. HER supervisor, KATHY ******** ************ has not returned two voicemails I have left over the past week. As of today I have reached out to KATHY's supervisor DEB ******* ************, whose voicemail says she is out until january 2nd, so clearly this woman cannot even update her voicemail...I have left HER a voicemail and called three times. As of today I have also reached out to KATHY's supervisor BoB ***** at ext ***** (you can get to the main number by pressing 0 during the voicemail recordings of any of the people above, then enter this extension). I've left him a voicemail as well. It is OVERTLY evident that these people (aside from Bob so far) are BUMPING MY CALLS TO VOICEMAIL, as you can tell because of the call going to voicemail immediately, then after two rings, then 4, then normally, as I have attempted to be irritating at this point and called 8+ times back to back to Amanda's number to test this...in which case I found she was bumping me to voicemail repeatedly, as was Kathy and Deb. THIS is the WORST insurance company if one of their policy holder's hits you. I will be pursuing legal recourse if I do not hear back from them soon. I would NOT BE SURPRISED if this is some FLY BY NIGHT INSURANCE COMPANY THAT IS FAKE AND DISAPPEARS A FEW TIMES A YEAR, RENAMING ITSELF TO A NEW COMPANY NAME EACH TIME. ALL I WANT IS A FREAKING STATUS UPDATE ON MY CLAIM AGAIN THEIR POLICY HOLDER WHO CANT FIGURE OUT HOW TO DRIVE ON THE CORRECT SIDE OF THE ROAD. AT LEAST LET ME KNOW IF YOU ARE DENYING THE CLAIM SO I CAN TAKE HER TO COURT AND EASILY GET PAID THE LESS THAN $300 IN DAMAGE SHE CAUSED TO MY CAR. NO I WILL NOT USE MY INSURANCE TO PAY FOR THIS, TELL YOUR DRIVER TO LEARN WHICH SIDE OF THE ROAD TO DRIVE ON. I HOPE SHE CANCELS HER POLICY WITH YOU AFTER THE PROBLEMS YOU ARE GOING TO BRING UPON HER BECAUSE OF YOUR LACK OF RESPONSE. #FAKEINSURANCECOMPANY
Eugene
I've really only dealt with them via an insurance agent.
Brett P.
This is absolutely the worst insurance company on the planet. I am dealing with a Charlene ********* there and she is very unpleasant. I deal with insurance companies on a daily basis as a paralegal and this is by far the most incompetent insurance company out there. An insurance adjuster that thinks she needs to put acronyms by her name to make her sound more important does nothing for me. You would be better off with any other insurance company than this.
Allen Gadson
On 06/27/2017 my business was damage due to fire. As of 04/12/2018 each represenative with this company has failed to pay loss earnings for my business or the rent at the temporary location due to displacement. I have supplied all requested documents even Bank Statements to their Forensic Accountant. I'm using / depleting my savings to met the course of remaining open. The reimbursment the rental fees are late or don't arrived at all. Not the company for anyone, they don't reply to social media also tags.
Chris G.
This company is terrible. I set up electronic funds transfer with them and it comes out on a different date each month rather than on a certain date. I have never heard of etf that didn't come out on a certain date. I don't want to do math in order to figure out what date my bill is coming out. I talked to a girl named cindy in customer service to try to rectify it and she was arrogant and unhelpful not listening to me and always talking over me before I could get a sentence out. It got to the point where I had to say to her are you listening to me or are you just a recording. They obviously have many calls to this end because it seemed like she knew what I was going to say. I finally said to her, after numerous pleas for her to listen to me, I will be finding a new insurance company that will listen to me that actually knows what customer service means. don't waste your time with this company.
Marilyn
We are only switching the Avalanche. My husband is a Florida resident and is registering it in Florida so we need different insurance.
Marilyn
Great rates
Cdamon
Run, don’t walk away from this company. The person that I dealt with in the claims department was rude, demeaning and accusatory. I am a professional with high moral standards and was astonished at the blatant disrespect within this department. They denied my claim for reasons that I totally did not agree with so I filed a claim with the Massachusetts insurance commissioner and they ruled in my favor. Point made!
Samuel N.
I was hit by a deer and my car was totaled. When my car was appraised, it came in at 1000 dollars less than both Kelley Blue Book and Edmund's prices. I sent them examples of used cars in my area that were more expensive (even when you added the higher mileage penalty) and they still wouldn't budge on their offer. Their customer service response is very slow- an average of 4-5 days per email. No explanation of why the large difference in price. Now they tell me (after 45 days waiting) that I can go to an arbitrator, (at my cost.) The cost to me would be more than the difference in our price. I do not believe that they are a treating me fairly or honestly.
Showing 1 - 10 out of 16 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.