Considering a car insurance policy with State Farm? We’ve combed through State Farm insurance reviews to get a sense of how customers feel about the claims and billing processes. We describe our findings and offer price info, discount options, and more in this review. We’ll also compare State Farm to some of the industry’s other best car insurance companies.

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In This Review:

    State Farm Rating: 4.5 Out Of 5.0

    State Farm offers low-cost insurance, especially for those with a poor driving record or a recent DUI. While the company doesn’t offer many extra car insurance coverage options beyond standard auto insurance offerings, it has a strong claims service record and an established reputation as a reliable provider, as evidenced by the high number of positive State Farm insurance reviews.

    Cost

    4.5

    Coverage

    4.0

    Reliability

    4.5

    Claims Service

    4.5

    Overall Rating

    4.5

    About State Farm

    Founded: 1922
    States available: All states except Massachusetts and Rhode Island
    AM Best financial strength rating: A++

    State Farm is the largest property and casualty insurer in the U.S., as well as one of the largest companies by revenue. The insurer offers a range of comprehensive coverage options to drivers in all states except Massachusetts and Rhode Island, where it no longer offers new business. Insurance policies are sold through a wide network of local State Farm agents.

    State Farm offers the following types of insurance:

    • auto insurance
    • motorcycle insurance
    • boat insurance
    • ATV insurance
    • motorhome insurance
    • home insurance
    • renters insurance
    • business insurance
    • life insurance
    • health insurance
    • pet insurance
    • rideshare insurance

    State Farm Car Insurance Cost

    State Farm is a competitive national provider when it comes to low rates. On average, the company is one of the cheapest car insurers. However, keep in mind that your rates will vary depending on a number of factors, such as:

    • age
    • gender
    • vehicle
    • driving record
    • location (city and state)
    • marital status
    • credit score

    To offer a better idea of the cost of State Farm auto insurance, the table below shows rate estimates for a 35-year-old married driver with a good credit score and clean driving record.

    State

    Annual Rate Estimate

    State

    Annual Rate Estimate

    Alabama

    $1,288

    Alaska

    $1,076

    Arizona

    $1,413

    Arkansas

    $1,108

    California

    $2,910

    Colorado

    $1,238

    Connecticut

    $1,316

    Delaware

    $1,038

    District of Columbia

    $1,498

    Florida

    $1,753

    Georgia

    $1,523

    Hawaii

    $992

    Idaho

    $761

    Illinois

    $1,129

    Indiana

    $878

    Iowa

    $705

    Kansas

    $1,119

    Kentucky

    $1,030

    Louisiana

    $2,051

    Maine

    $749

    Maryland

    $1,608

    Massachusetts

    N/A*

    Michigan

    $3,057

    Minnesota

    $1,198

    Mississippi

    $1,144

    Missouri

    $1,129

    Montana

    $1,040

    Nebraska

    $1,343

    Nevada

    $1,533

    New Hampshire

    $755

    New Jersey

    $1,887

    New Mexico

    $1,003

    New York

    $3,374

    North Carolina

    $1,316

    North Dakota

    $1,013

    Ohio

    $786

    Oklahoma

    $1,062

    Oregon

    $911

    Pennsylvania

    $1,426

    Rhode Island

    $1,025

    South Carolina

    $1,305

    South Dakota

    $1,057

    Tennessee

    $796

    Texas

    $1,265

    Utah

    $1,406

    Vermont

    $625

    Virginia

    $965

    Washington

    $1,035

    West Virginia

    $969

    Wisconsin

    $795

    Wyoming

    $1,320

    *Cost information not available for State Farm auto insurance in Massachusetts.

    State Farm rates are especially low for higher-risk drivers, at least compared to other insurance providers. Those with recent a DUI or car accident may see better offers from the insurer.

    Because rates vary, the only way to get an accurate idea of your real auto insurance rates is to reach out online or to a local agent for a car insurance quote.

    Cheapest Car Insurance Estimates For Drivers With A Recent Car Accident

    Car Insurance Company

    Annual Rate Estimate

    USAA

    $1,428

    State Farm

    $1,671

    Geico

    $2,427

    Progressive

    $2,471

    Nationwide

    $2,545

    Cheapest Car Insurance Estimates For Drivers With A Recent DUI

    Car Insurance Company

    Annual Rate Estimate

    State Farm

    $1,998

    Erie

    $2,034

    Progressive

    $2,106

    USAA

    $2,209

    American Family

    $2,433

    State Farm Car Insurance Discounts

    State Farm offers several discount opportunities to help customers lower their car insurance rates. These include:

    Accident-Free Discount

    Available to customers who are insured by State Farm for three continuous years with no accidents, and increases over time

    Defensive Driving Discount

    Available to drivers who complete a defensive driving course

    Good Student Discount

    Available to drivers between 16 and 25 who are enrolled full-time in high school or college and maintain a B average or higher

    Good Driving Discount

    Offered to drivers who go three years without an at-fault accident

    Driver Training Discount

    Available to drivers under 21 who complete an approved driver education class

    Student Away at School

    Available to drivers under 25 who move away from home for college and do not bring their cars to school

    Vehicle Safety Discount

    Provides a discount on medical payments coverage if your vehicle is model year 1994 or newer

    Passive Restraint Discount

    Provides a discount on medical payments coverage for vehicles that are model year 1993 or older and are equipped with factory-installed airbags or another passive restraint system

    Anti-Theft Discount

    Provides a discount for cars equipped with an alarm or anti-theft device

    Multiple Auto Discount

    Available to customers who insure two or more vehicles with State Farm

    Multiple Line Discount

    A bundling discount for policyholders who combine other insurance products, such as homeowners insurance, renters insurance, condo insurance, or life insurance policies with their auto insurance coverage

    State Farm also offers a Steer Clear® Safe Driver Discount for teens and adult drivers under the age of 25. The discount is aimed at helping young drivers improve their driving skills while earning a discount on their insurance premium. Drivers have to participate in several hours of course training and driving practice to qualify for the discount. You must have a valid license and no at-fault accidents or moving violations on your record for the last three years to participate. 

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    State Farm Auto Insurance Coverage

    You can purchase the six standard forms of car insurance from State Farm for your auto policy. These include:

    Liability

    Bodily injury liability insurance covers the medical expenses for other drivers and their passengers after an accident you cause. Property damage liability insurance pays for damages to other drivers’ vehicles after an accident in which you are at fault.

    Collision

    Collision insurance pays for damages that occur while your car is moving, whether you flip your car, hit another vehicle, or encounter a road hazard.

    Comprehensive

    Comprehensive insurance pays for damages to your vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.

    Medical Payments

    Medical payments (MedPay) covers medical bills for you and your passengers after an accident.

    Personal Injury Protection

    Personal injury protection (PIP) pays the medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.

    Uninsured/Underinsured Motorist

    Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

    Other State Farm auto insurance offerings include:

    Emergency Roadside Assistance

    Provides emergency services for towing, lockouts, tire changes, fluid delivery, and winching

    Rideshare Driver Coverage

    Specialty rideshare insurance for drivers who use their vehicles for services such as Uber or Lyft

    Car Rental and Travel Expense Coverage

    Pays for a rental car and travel expenses (such as meals and lodging) while your car is in the shop for covered repairs.

    Further coverage options and add-ons may be available depending on your location.

    State Farm Usage-Based Insurance

    State Farm’s usage-based program is called Drive Safe & SaveTM. If you enroll in the program, your driving is monitored through either OnStar or a smartphone app. The program records driving habits such as fast braking, driving times, total driving distance, speed, and more. Customers receive discounts for driving less frequently and practicing safe driving habits.

    The Drive Safe & Save app has a 4.1 out of 5.0 rating in the Google Play store and a 4.6 out of 5.0 rating in the Apple App Store, which are high scores for an app of this type. There are some complaints about the app not functioning properly, but the app’s score is higher than similar apps from most competitors.

    State Farm Insurance Reviews

    Better Business Bureau (BBB) rating: Not rated
    BBB complaints in the past three years: 1,308
    J.D. Power customer satisfaction index: 892 / 1,000

    State Farm has a strong claims record and a solid reputation with the BBB. In the J.D. Power 2021 U.S. Insurance Shopping StudySM, State Farm ranked second among large insurers and above the segment average. In the J.D. Power 2021 U.S. Auto Insurance Satisfaction StudySM, State Farm performed well in most regions and ranked highest in three out of 11 regions.

    However, according to the National Association of Insurance Commissioners (NAIC), State Farm (NAIC number 25143) has a complaint index of 1.52. That means it gets 1.52 times the number of complaints as an average provider. NAIC scores are based on market share.

    Positive State Farm Insurance Reviews

    Positive State Farm insurance reviews mention excellent claims service and speedy compensation.

    “Our car got totaled a couple days before Christmas, so the claim we filed understandably took a few days to get started. But once it was started, it only took them 6 days to finalize everything and pay it off.”

    – Nic B. via BBB

    “Couple of years ago I was rear ended by one of their customers … [I] brought my vehicle thinking that it was going to be a bad experience and that they were going to offer pennies compared to what repairs would cost. I was wrong. They gave an estimate within minutes, which I think was very fair, so they cut me a check right away.”

    – Julio B. via BBB

    Negative State Farm Insurance Reviews

    There are some customer complaints about claims servicing. In some cases, local agents did not handle customers’ insurance claims very reliably.

    “I was … rear ended by a State Farm customer. State Farm has failed to keep me updated as far as repairs, rental car, etc. They haven’t bothered to reach out regarding my accident.”

    – Andy J., via BBB

    “My car was hit while parked outside my house. … After 43 days of waiting, going back and forth with rude claims specialists and being told lies, I was finally told my car was a total loss. Not to mention that my local agent’s office has a very unprofessional, rude staff and they were no longer going to help me in the process and avoided my phone calls.”

    – Donna C. via BBB

    State Farm is a large auto insurance company, and the service you receive from local agents can vary greatly from location to location. We recommend that you check State Farm insurance reviews for agents in your area before signing up for an auto insurance policy.

    State Farm Mobile App

    The State Farm mobile app allows customers to pay bills, manage policies, view ID cards, and file claims. The app is highly rated in both the Google Play store (4.7 out of 5.0) and the Apple App Store (4.8 out of 5.0). The app has relatively few complaints overall and appears to work well for most drivers.

    Other Recommendations For Car Insurance

    No matter where you live, you have several options for car insurance. There is no single best provider for everyone, so it is worthwhile to shop around and compare car insurance quotes from companies.

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    Answer a few simple questions to save money on your policy

    Progressive: Best Usage-Based Insurance

    Progressive is one of the largest insurers in the U.S. and offers lower average rates for high-risk drivers. The insurer provides full coverage car insurance and valuable add-on options for affordable prices.

    We recognized Progressive for having the Best Usage-Based Insurance thanks to its Snapshot program, which monitors driving habits through a mobile app to help drivers save. This makes Progressive an attractive option for those who don’t drive very often or who have excellent driving habits.

    Learn more about the provider and its coverage options by reading our full Progressive insurance review.

    Geico: Best Overall Provider

    Our team named Geico the Best Overall Provider because it offers great rates and comprehensive coverage options to drivers nationwide. The insurer is also known for its reliable and highly rated claims service.

    Geico is rated A++ for financial strength by AM Best and has a long history of meeting customer claims obligations. Additionally, Geico’s low rates may be the cheapest option for many drivers.

    Read our Geico insurance review for cost estimates, discount options, and customer reputation.

    Frequently Asked Questions

    • Is State Farm good with claims?

      State Farm is reliable with claims handling. According to many State Farm insurance reviews, agents are patient and helpful and the claims process is quick and satisfactory.

    • Why is State Farm so cheap?

      State Farm is cheap for customers who are able to take advantage of the insurer’s many discount opportunities. Good drivers can also find low rates with State Farm if they take advantage of the Drive Safe & Save program.

    • Does State Farm raise rates after a claim?

      Most auto insurance companies will raise rates after you file a claim, but it depends on the particulars. You can expect your rates to go up if you are at fault for the accident–otherwise they may not.

    • Can you negotiate with State Farm?

      You can negotiate with any insurer, including State Farm. Based on State Farm insurance reviews, customers are satisfied with their agents and the claims process, though some have reported difficulties in communicating with agents after claims. The quality of your insurance agent (and your ability to negotiate) may depend on your location.

    • How can I contact State Farm customer service?

      You can contact a State Farm representative to help you file a claim, make a payment, or manage your account balance. You can call 800-782-8332 for general inquiries or 800-732-5246 to file an auto insurance claim. 

    • Does State Farm cover towing?

      State Farm insurance policies do not cover towing. You would need to purchase Emergency Road Service coverage to have your vehicle towed to the nearest repair location at no additional cost.

    How We Rate Insurers

    Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review methodology focuses on those we believe are the most important for consumers:

    • cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
    • coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
    • reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
    • service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

    *Data accurate at time of publication.