State Farm Auto Insurance Review (2024)

With a sizable market share, State Farm is one of the largest auto insurance companies in the United States. It offers several discounts for younger people or those who can prove they are safe drivers. From extensive coverage and discount options to excellent customer service, State Farm earns its spot as the largest insurance company in America.

Although State Farm auto insurance reviews tend to be positive, you might be able to find better insurance elsewhere. Make sure to compare quotes with as many companies as possible to find the best rates.

What You Should Know About State Farm Insurance

From state minimum auto insurance requirements to full coverage insurance, State Farm has coverage for just about every need. State Farm receives excellent ratings, but this State Farm auto insurance review compares monthly rates and discount opportunities to other top companies so you can find the best coverage.

Explore your options below, then compare rates to ensure you get the best policy possible.

State Farm Auto Insurance Review and Ratings

Although it struggles in some areas, State Farm auto insurance is one of the highest-rated of any coverage provider. State Farm has a strong reputation for its customer service, claims handling, and overall quality of coverage.

So, what is State Farm’s secret to its excellent reputation? For starters, State Farm offers a wide variety of insurance products that can meet virtually any driver’s needs. State Farm auto quotes are a little lower than the national average and are especially good for teens.

However, not all State Farm insurance reviews are perfect. Many customers feel like State Farm’s customer service is slipping and are looking for a new company.

State Farm Customer Service Review

In general, there aren’t many State Farm complaints regarding customer service. Most people enjoy State Farm’s customer support, saying that representatives are helpful and friendly. More than half of State Farm customers recommend the company to friends and family.

Not all State Farm car insurance reviews are positive, however. Some people say State Farm Insurance’s customer service representatives seem to go out of their way to not be helpful.

Despite some negative reviews, State Farm does well in customer service surveys — more than half of its customers say they are satisfied with the service.

State Farm Auto Insurance Claims Review

Filing an auto insurance claim with State Farm is a simple process. Perhaps the easiest way is to make a State Farm claim online. You can also use the mobile app or call the State Farm insurance claims phone number.

Once you report an incident, a State Farm auto insurance claims adjuster will review your claim and tell you your next step. Once the details are settled, State Farm will send you a check, direct deposit into your bank account, or pay the repair shop directly.

Customers love that State Farm keeps you up to date about the status of a claim. You can check the status online or on the app. If you prefer speaking to a person or you’re having issues, a representative can help if you call the State Farm auto claims phone number.

While State Farm usually receives good reviews for its claims handling, it does have unsatisfied customers. Many of these unhappy customers say State Farm claims customer service penalizes people for taking too long to finish claims, even if they were affected by COVID-19 lockdowns.

Even though there are some negative reviews, State Farm promises to make it right. If you have an issue, simply call the State Farm claims department phone number.

State Farm Auto Insurance Ratings

State Farm does well with professional rating companies. A.M. Best rates companies based on their financial strength — the better the rating, the more stable a company is. State Farm gets an B, which is a fair rating, though most top competitors have a higher rating.. The Better Business Bureau (BBB) gives State Farm an A+ for its ability to resolve claims. However, there are hundreds of complaints on the BBB site.

Finally, the National Association of Insurance Commissioners (NAIC) compares a company’s complaints with its size. The national average number is 1.0 — anything higher means the company receives more complaints than similar companies. State Farm’s NAIC number is 1.44, meaning it receives more than the average number of complaints.

State Farm Insurance App

When you have the app from State Farm, filing a claim, making payments, and keeping track of your policy is easy. If you’re wondering, “Where are State Farm agents in my area?” the State Farm app can help you locate a local office.

The State Farm app is for more than car insurance — you can easily monitor every policy you have, including homeowners and life insurance. You can also download your State Farm insurance card, so you never have to worry about carrying a physical copy.

While it’s not necessary, you’ll have everything you need to manage your policy at your fingertips if you download the app.

If you already have the app and you run into a problem, you can call the State Farm auto insurance number for help.

State Farm Insurance Coverage Options

The long list of State Farm products is one of the most appreciated parts of this car insurance company. From state minimum requirements to full coverage, you can find State Farm vehicle insurance that perfectly fits your needs.

Consider the following State Farm automobile insurance options if you need coverage:

• Liability insurance: Most states require a minimum amount of liability insurance to cover damage you cause in accidents. State Farm liability coverage includes bodily injury and property damage.
• Collision insurance: You need collision insurance if you want your car covered after an accident. Collision insurance will help repair your vehicle, even if you hit a stationary object like a tree.
• Comprehensive insurance: State Farm comprehensive coverage handles damage caused outside of accidents. It includes damage from fire, weather, vandalism, theft, and animal contact.
• Uninsured motorist coverage: Although insurance is required in most states, not all drivers follow the law. This State Farm coverage protects you from drivers who don’t carry enough insurance.
• Medical payments coverage: If you’re injured in an accident, medical payments coverage will help pay for your healthcare expenses. Medical payments add coverage value to your policy while not raising your State Farm auto insurance quote too much.

The amount of insurance best for you depends on your needs. State Farm’s full coverage car insurance is more expensive than minimum insurance but offers more protection for your car.

Minimum State Farm insurance coverage is a good option if you have a tight budget and own a car you can afford to replace. It depends on your state, but minimum insurance often consists of liability coverage only.

On the other hand, State Farm’s full coverage auto insurance includes liability, comprehensive, collision, uninsured motorist, and medical payments. You’ll probably need full coverage if you have a loan or a lease on your car.

If you’re not sure what you need, don’t worry. You can call the State Farm car insurance number, and a representative will help you decide which coverage options are best for you.

State Farm Auto Insurance Add-Ons

You can get your basic coverage needs met with a State Farm car insurance quote, but that’s not all you can buy. State Farm offers a variety of insurance options to improve the value of your policy, including:

• Rideshare insurance. State Farm’s rideshare insurance is an add-on that increases your rates by about 15%. Rideshare insurance protects your car whenever you’re on the clock for companies like Lyft or Uber.
• Rental car reimbursement. State Farm rental car coverage will pay or reimburse you for a temporary vehicle when yours is stuck in the shop.
• Travel expenses. State Farm travel insurance pays for lodging, gas, and meals if you get in an accident more than 50 miles from home.
• Roadside assistance. If you’re ever stranded on the side of the road with a flat tire, dead battery, or other similar issues, State Farm will send help.

Adding any of these options will raise your rates, but the protection they offer is worth it as long as it fits your budget. If you want more coverage but worry about how much it will cost, State Farm offers plenty of ways to save. As the largest insurance provider in America, you’d expect State Farm to sell a variety of coverages. You’d be right to think so — State Farm has one of the largest selections of insurance products on the market.

Other Types of State Farm Insurance Coverage

If you’re interested in more coverage with State Farm, consider the following:

• Motorcycle
• Boat
• Off-road vehicle
• Motorhome
• Travel trailers
• Home/condo/renters/manufactured home
• Rental property
• Farm and ranch
• Business owner
• Commercial auto
• Term/whole/universal life
• Supplemental health
• Pet coverage

As you can see, there’s a State Farm insurance policy to protect just about anything important in your life. As a bonus, you’ll earn a bundling discount when you buy more than one State Farm policy.

State Farm Insurance Rates Breakdown

Although State Farm insurance quotes are the third-lowest of all major companies, the exact amount you’ll pay depends on a variety of factors. These factors include age, gender, driving history, location, and credit score.

How State Farm Determines Auto Insurance Rates

Every insurance company will use several factors to determine your individual rate. These factors will typically include the following:

• Your age 
• Your driving history
• Vehicle type
• ZIP Code
• Credit history

The distance you drive and the time of day you are on the road may have an effect, and if you live in a high-crime area, the risk for theft or vandalism may be greater.

You may also have the option to choose the size of your car insurance deductible, which is the amount you will pay first when making a claim. This can raise or lower your rates depending on your deductible amount. 

State Farm rates tend to favor young drivers and people with an accident or DUI on their record. On the other hand, State Farm prices for drivers with low credit scores are usually higher than competitors. You can get an idea of how different factors affect your auto insurance below.

State Farm Auto Insurance Rates for Minimum Coverage

Although factors like your age and location play a key role in your rate, one of the biggest factors affecting your State Farm insurance price is how much coverage you want to buy.

Minimum coverage ensures you can legally drive but leaves you missing a lot of valuable protection. However, it is the cheapest insurance option you can buy. Check below to see how State Farm car insurance rates vary by coverage level.

Keep in mind that these rates will vary by location. Each state has its own requirements for insurance, so minimum coverage might be more expensive in your state.

For example, State Farm insurance in Florida is about double what State Farm in Massachusetts charges because Florida has higher coverage requirements. On the other hand, State Farm Insurance in Texas is much closer to Massachusetts because they have similar requirements.

State Farm Auto Insurance Rates for Full Coverage

Full coverage auto insurance covers your car for almost anything the road can throw at it, but it’s generally more expensive. You can compare State Farm rates with other companies below. Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$61	$160
	$44	$117
	$53	$139
	$30	$80
	$68	$174
	$44	$115
	$39	$105
	$33	$86
	$37	$99
U.S. Average	$45	$119

You’ll probably need full coverage if you loan or lease your car. Even if you own your car outright, full coverage is never a bad idea if you can afford it.

State Farm Auto Insurance Rates by Age

Another vital piece to the puzzle of your insurance rate is your age. Young drivers are statistically more likely to cause accidents and file claims, which leads to higher prices than the average adult will see. You can check how State Farm compares to other companies below.

Full Coverage Auto Insurance Monthly Rates by Age, Gender, & Provider

Insurance Company	Age: 18 Female	Age: 18 Male	Age: 30 Female	Age: 30 Male	Age: 45 Female	Age: 45 Male	Age: 65 Female	Age: 65 Male
	$328	$378	$99	$103	$88	$86	$86	$84
	$448	$519	$168	$176	$162	$160	$158	$157
	$305	$414	$116	$137	$115	$117	$113	$114
	$405	$461	$125	$128	$114	$111	$111	$109
	$597	$629	$160	$167	$139	$139	$136	$136
	$220	$254	$90	$87	$80	$80	$78	$78
	$626	$626	$174	$200	$171	$174	$167	$170
	$283	$318	$87	$91	$78	$77	$77	$76
	$303	$387	$124	$136	$113	$115	$111	$112
	$591	$662	$131	$136	$112	$105	$109	$103
	$253	$292	$77	$79	$72	$71	$71	$69
	$229	$284	$94	$103	$86	$86	$84	$84
	$407	$469	$126	$133	$115	$113	$112	$109
	$530	$740	$99	$108	$98	$99	$96	$97
	$180	$203	$74	$79	$59	$59	$58	$57
U.S. Average	$416	$501	$128	$139	$119	$119	$117	$117

As you can see, State Farm vehicle quotes for teens and young drivers are some of the lowest.

State Farm Auto Insurance Rates by Driving Record

Your driving record contains details about your past, including speeding tickets, accidents, and DUIs. How infractions like speeding tickets affect your auto insurance varies depending on how long your record clears. However, the average time a violation affects your insurance is about three years.

State Farm offers affordable insurance for people with imperfect driving records. Compare State Farm’s rates with other companies below.

Unfortunately, your driving record isn’t the only thing that affects your rates — your neighbors’ records also play a role.

Take State Farm car insurance in Florida as an example. Florida has one of the highest rates of accidents in the country. When you get State Farm auto insurance in Florida, your rates will be higher because of the increased likelihood of an accident, no matter your driving record.

State Farm Auto Insurance Rates by Credit Score

While it shines in other areas, State Farm’s car insurance rates are not the best for people with bad credit scores.

Insurance companies keep careful track of claims data, and people with lower credit scores are likelier to file a claim. The table below shows that people with low credit scores pay much more for their insurance.

Full Coverage Auto Insurance Monthly Rates by Provider & Credit Score

Insurance Company	Good Credit	Fair Credit	Bad Credit
	$135	$165	$245
	$166	$197	$296
	$116	$136	$203
	$95	$115	$175
	$140	$161	$269
	$82	$100	$148
	$177	$226	$355
	$120	$133	$166
	$109	$138	$206
	$91	$118	$200
	$120	$155	$230
	$107	$128	$194
U.S. Average	$123	$148	$226

If your credit score is lower, you might be better off with a different company. However, your credit score is only one factor that affects your rates. You should still compare quotes with State Farm, even if your score is low.

How State Farm Compares Against Other Auto Insurance Providers

Discover the intricate comparisons between State Farm and other leading auto insurance providers in the market with our detailed breakdown below.

State Farm Insurance Discounts Available

When it comes to car insurance, discounts are one of the best ways to save. There are also many State Farm auto insurance discounts:

• Good driving
• Good student
• Accident-free
• Drive Safe and Save
• Multi-car
• Bundling
• Safety features
• Young driver education
• Student away at school
• Passive restraints

Some discounts are relatively small, such as the passive restraint discount. However, State Farm’s good student discount can help teens save a substantial amount on their coverage.

State Farm’s Drive Safe and Save

Most major insurance companies offer usage-based auto insurance plans for drivers who spend less time behind the wheel. While it’s not a standalone plan, State Farm provides the Drive Safe and Save program.

Drive Safe and Save is a monitoring app that tracks your driving habits, how much you drive, what time you’re on the road, and cell phone use while driving. The safer you drive, the better your discount will be. However, State Farm guarantees that any driver using the Drive Safe and Save app will get a discount on their insurance, no matter how they drive.

The average discount with this program is 30%, but some drivers get up to 50% off. This makes State Farm’s monitoring discount potentially the largest of any provider, beating out Progressive Snapshot, Liberty Mutual RightTrack, and Gieco DriveEasy.

State Farm reviews are generally positive for Drive Safe and Save, with most customers reporting they are happy with their savings. Drive Safe and Save is a great opportunity to save, but you should be comfortable with an app monitoring your driving.

Most customers say the Drive Safe and Save app is easy to use, but you can contact State Farm technical support 24/7 if you run into issues.

State Farm Steer Clear App

Finding cheap auto insurance for teens and young drivers can be challenging, but State Farm wants to help. As long as you or your child meet the requirements, you could be eligible to earn the State Farm Steer Clear discount. The Steer Clear program is open to drivers under 25 years old who have not had an accident or moving violation in the past three years. The app offers driver-focused training for young people, and once they become certified, they can earn a discount of up to 15%.

Steer Clear tracks driving habits and aims to help young people get the experience they need behind the wheel. This program consists of modules that teach inexperienced drivers how to handle risky situations and everyday annoyances, like driving in bad weather and changing lanes.

Steer Clear drivers have six months to complete the modules and must log at least five hours of driving in 10 trips. Once you complete the Steer Clear training program, you’ll be eligible for savings on car insurance quotes from State Farm.

To qualify for Steer Clear, you must be under the age of 25, have a valid driver’s license, and have no at-fault incidents within the last three years.

Exploring State Farm’s Travel Insurance Options

State Farm’s travel insurance provides essential coverage for a wide range of incidents that might occur while you’re away from home. Whether you’re traveling domestically or internationally, State Farm offers policies that cover trip cancellations, emergency medical expenses, lost luggage, and delays. This ensures that you can enjoy your travels without worrying about the financial impact of unexpected events. Integrating travel insurance with your existing State Farm policies is straightforward, allowing you to manage all your coverage through a single portal, simplifying the process and providing comprehensive protection.

The Benefits of State Farm’s Roadside Assistance

State Farm’s roadside assistance program is designed to provide immediate help when you face any trouble on the road. This service includes towing, tire changes, jump-starts, lockout assistance, and fuel delivery. What makes State Farm’s roadside assistance stand out is its 24/7 availability and the ease of accessing services directly through the State Farm app or by a phone call. Customers frequently commend the quick response times and the professional service provided by the technicians, highlighting how this coverage has helped them in stressful roadside situations, ultimately enhancing their overall driving experience.

Decoding State Farm’s Coverage Codes and Driver Record Levels

State Farm uses specific coverage codes and driver record levels to determine the risk associated with insuring individual drivers, which in turn influences the cost of your auto insurance premiums. Coverage codes are alphanumeric symbols used by State Farm to denote the types of coverage a policyholder has purchased. These could range from basic liability to full comprehensive plans. Driver record levels are indicators of a driver’s history and behavior on the road, including accidents and traffic violations. Understanding these can help you better manage your policy and potentially lower your rates by improving your driving habits.

Navigating Auto Insurance Claims with State Farm

Filing an auto insurance claim with State Farm is streamlined to ensure efficiency and ease for the policyholder. If you’re involved in an accident, you can file a claim online, through the State Farm mobile app, or by calling their dedicated claims department. The process involves reporting the incident details, providing any necessary documentation such as photos or a police report, and then working with a claims adjuster who will assess the damage and determine the payout. State Farm is known for its transparency during the claims process, providing regular updates and making it easy for customers to track the progress of their claims.

State Farm’s Comprehensive Coverage: A Deep Dive

State Farm’s comprehensive coverage provides insurance against non-collision-related damages to your vehicle. This includes protection from theft, vandalism, fire, natural disasters, and damages from animals. Policyholders benefit from peace of mind knowing that their vehicle is protected in a wide array of situations that extend beyond just accidents. This type of coverage is particularly advisable for new or expensive vehicles and those living in areas prone to severe weather or high crime rates.

How to Maximize Savings with State Farm Auto Insurance

To maximize savings on State Farm auto insurance, policyholders should explore all available discounts such as safe driver discounts, multi-car discounts, and discounts for using anti-theft devices. Additionally, maintaining a clean driving record and opting for a higher deductible can significantly lower premiums. Policyholders should regularly review their policy and personal circumstances, such as changes in driving habits, to ensure they are not over-insured and are taking advantage of all possible savings.

Setting Up Automatic Payments with State Farm

Setting up automatic payments with State Farm can simplify the management of your auto insurance premiums. Policyholders can authorize State Farm to automatically withdraw insurance payments from their chosen bank account or credit card, ensuring premiums are always paid on time. This method prevents lapses in coverage due to missed payments and can also qualify policyholders for additional discounts for automated billing. Setting up is straightforward via the State Farm website or mobile app, where you can also adjust payment settings as needed to match changes in your financial situation.