Peninsula vs State Farm Car Insurance

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4.8 Rating

2,700 Reviews

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Last Updated: January 2022

Ratings

Insurify Composite Score

Peninsula
Not Rated
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Insurify Composite Score

State Farm
88
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Insurify Composite Score

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

Auto Insurance Quotes

For Married Drivers

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

For Single Drivers

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

For Male Drivers

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

For Female Drivers

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

For Drivers with Speeding Ticket

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

For Drivers with No Speeding Ticket

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

For Drivers Age Between 18-40

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

For Drivers Age Between 40-65

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

For Drivers Age of 65+

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

For Drivers with Average Credit

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

For Drivers with Fair Credit

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

For Drivers with Good Credit

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

For Drivers with Excellent Credit

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

Quotes & Discounts

Discount typePeninsula State Farm
Accident FreeVariesUp to 15%
Driving trainingVariesVaries
Good CreditVariesUp to 80%
Good StudentVariesUp to 25%
LoyaltyVariesVaries
Multiple PolicyVariesUp to 17%
Multiple VehicleVariesUp to 20%
Anti-Theft Device--Up to 15%
Anti-lock Brake--Up to 20%
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Defensive Driver--Up to 5%
Driving Habits--Up to 30%
Good Driver--Up to 25%
Home Owner--Varies
Low Mileage--Up to 10%
Mature driver--Varies
Military--Varies
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 typePeninsula State Farm
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments --yes
Electronic Check
yesyes
In Person Payment
--yes
Mail Payment
yesyes
Mobile App Payments
--yes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Pay Through Your Agent
--yes
Person 2 Person Payment --yes
Phone Payment
yesyes

Features and Services

Features and ServicesPeninsula State Farm
24/7 service--yes
Accident forgivenessyes--
Enhanced towing & substitute coverage--yes
Flexible / convenient payments--yes
Loyalty rewards program--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesPeninsula State Farm
Accident Forgiveness
yes--
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

Uber and Lyft driver insurance

  • Peninsula
  • State Farm
  • Both

Compare Insurance Products

ProductPeninsula 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

  • Peninsula Reviews
  • State Farm Reviews
4.0
5 Stars
75 %
2 Stars
3 %
1 Star
22 %

Most Helpful Review

By Matthew
I've been a Peninsula customer since 1999. I contacted them for a plumbing service call. Chuck arrived and was fantastic in getting the issue resolved very quickly and efficiently. In times past, Chuck the Plumber has come out for prior plumbing calls and his quality and service is always top-notch, the best. Always very satisfied with Chuck. (now if this review were about Peninsula's recycle pickup, that's another story where the service is extremely unsatisfactory). The 5-star rating is based on my plumbing experiences with Chuck and Peninsula.

Latest Review

By Angela S.
Very poor customer service. I signed a contract to pay budget payments so that Peninsula would keep propane in my tank. The tank ran empty on one of the coldest days of the year. I waited over 24 hours for a response to an emergency call and still had to call back to get that response. During those 24 hours I was told 4 times I would get a call back, spent a total of three hours on hold waiting for someone to answer and had to redial about 30 times because I only got a busy signal. I WOULD NOT RECOMMEND THIS COMPANY TO MY ENEMIES!

All Reviews

Showing 1 - 10 out of 32 Reviews
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Read reviews that mention

Angela S.
Very poor customer service. I signed a contract to pay budget payments so that Peninsula would keep propane in my tank. The tank ran empty on one of the coldest days of the year. I waited over 24 hours for a response to an emergency call and still had to call back to get that response. During those 24 hours I was told 4 times I would get a call back, spent a total of three hours on hold waiting for someone to answer and had to redial about 30 times because I only got a busy signal. I WOULD NOT RECOMMEND THIS COMPANY TO MY ENEMIES!
Matthew
I've been a Peninsula customer since 1999. I contacted them for a plumbing service call. Chuck arrived and was fantastic in getting the issue resolved very quickly and efficiently. In times past, Chuck the Plumber has come out for prior plumbing calls and his quality and service is always top-notch, the best. Always very satisfied with Chuck. (now if this review were about Peninsula's recycle pickup, that's another story where the service is extremely unsatisfactory). The 5-star rating is based on my plumbing experiences with Chuck and Peninsula.
Annamarie F.
Continued Positive experience with Peninsula. Called for plumbing issue and received call-back to get it scheduled; Chuck S**** arrived early and replaced my old rusty disposal at a very reasonable cost. He is a very kind and courteous person; he is a very clean worker. I will continue with Peninsula and I highly recommend you ask for Chuck S**** for plumbing expertise.
Jo L.
Often miss recycling pick-up, though trash usually is picked up as expected. The biggest problem is getting someone on the phone! Their instructions say "leave a message and your call will be returned by the end of the workday." No call back occurs. Today it took 3 phone calls and waiting in a queue for 20 minutes to get someone on the phone. Meanwhile our full recycling can will be sitting at the curb through another weekend. However I am solving this problem; I contracted with another company - and at a cheaper quarterly rate - that had a representative answer the phone immediately. Very unhappy with service at this company!
Mariann B.
I'm writing about Peninsula Trash/Recycling pick up. Yesterday was trash day but they did not come to my house to pick it up. A few weeks ago I had the same problem with my recycling. After contacting them numerous times I finally took some of the recycling to their office and left it there. Today I have been wanting to talk with someone but cannot get through on the phone. This is disinterested service and does not belong in the community.
David P.
Have been customers going on 4 years. Have had P.M. done on HVAC and our ducts cleaned. Couldn't ask for better technicians. (The end of positive) Customer service for this business is nearly non-existent. THEY REFUSE TO RETURN PHONE CALLS irregardless of the type of message left. Trash pick-up is deplorable. Have not had trash pick-up for 2 consecutive weeks now and yet no explanation as to why. This is not a CUSTOMER FRIENDLY business. Because of phone calls not returned have had to go directly to their business to get answers. They do not care about their customer base seemingly forgetting how they make money to pay their employee's salaries and turn a profit. Kind of like what the N.F.L. players are doing to their fan base. (Being ignored) Was in their office yesterday and found out by accident that they have changed their policy on picking up missed customers trash. THEY NO LONGER DO THAT. Wouldn't it be nice to receive a notice in the mail providing updated policy on trash pickup. They at least provide a credit now for missed pickup even though that does nothing for a full trash cans.
David A.
Continually Missing trash pickup. Now having difficulty getting anyone to respond. to calls, text or email. Are all the drivers getting an up to date pickup list? Management seems lacking. If you manage to get anyone they will put you on the pickup hot list, which seems to get the drivers attention and you get trash pickup.
James S.
After calling Peninsula for a plumber on 9/14/2017, Chuck Smith was at my home in the time frame I was told someone would be there when I called. In less then an hour, he had found the problem with my septic system drain and fixed it! He also suggested some things I could do to prevent having the problem happen again. Thank you Peninsula and especially Chuck Smith.
Brian w.
Constantly missed service every week and having to call to have someone pick up my trash or recycling. Do not recommend service for refuse. Save your money and go with different provider.
Lynn B.
I called peninsula for help on a hot water heater that was leaking. Mr. Chuck Smith Was polite and he took time to explain price . Mr. Smith did the job in a timely manner. I am very pleased with the job he did and I would call peninsula again.
Showing 1 - 10 out of 32 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.