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finder.com's rating: 3.5 / 5
Bottom line: State Farm’s agent support can help you find the right policy, but your quotes and experience all depend on the agent you pick.
Speak to an agent:
|States served||All 50 states|
|New car protection||No|
|Pay schedule||12 months, 6 months, Monthly|
|Claims methods||Online, Phone|
|Anti-theft device discount||Yes|
|Defensive driving discount||Yes|
|Good student discount||Yes, Up to 25%|
|Loyalty discount||Yes, up to 20%|
|Safety device discount||Yes, up to 40%|
|Special employment discount||No|
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State Farm is one of the highest-rated auto insurance companies in the country, and for good reason. It provides personalized service through its large agent network, and its online platform lets you buy coverage and file claims from the comfort of your home. Plus, State Farm’s mobile app gets overwhelmingly positive reviews for ease of use and policy accessibility.
State Farm also offers a number of discounts and policy features to keep its rates and coverage competitive. If you’re looking for a good line-up of coverage and personalized agent support, State Farm might be right for you.
But expertise may come with higher prices than you could find elsewhere for comprehensive coverage. If you like the idea of a popular company offering lots of name-brand products, it’s worth comparing rates and options to other insurers in your area.
finder.com's rating: 3.5 / 5
|Category||Our rating||Why we gave this score|
|Coverage||★★★★★ 5/5||State Farm offers all the coverage that you’d expect and more, including accident forgiveness, roadside assistance and rideshare insurance.|
|Discounts||★★★★★ 3/5||It offers common discounts on par with competitors, such as for bundling policies or tracking your driving through its Safe Drive and Save program.|
|Customer service||★★★★★ 3.5/5||The company gets a high J.D. Power customer satisfaction score. However, it receives low Trustpilot ratings and an average number of complaints filed with the National Association of Insurance Commissioners (NAIC).|
|Financial strength||★★★★★ 5/5||It gets the highest financial rating of A++ from AM Best, showing that it has strong finances to pay your claims.|
We pulled full-coverage car insurance rates using State Farm’s online quote tool for good drivers living in California with a clean driving record.
Getting auto insurance coverage with State Farm can be done over the phone by calling 877-745-0232 or in-person through an agent. Or, get a quote online with these steps:
State Farm offers a number of discounts to help customers lower their premiums:
State Farm Drive Safe and Save is a telematics car insurance program, which tracks how safely you drive and gives a discount personalized to you.
Overall, customers give the app a thumbs up with ratings of 4.1 out of 5 stars on Google Play and 4.6 of 5 on the Apple store.
Earn up to 30% off your premium, although you’ll start out with a smaller discount at signup. State Farm then applies your personalized discount at your policy renewal every six months, which is a long time to wait for your full discount. Other programs like Liberty Mutual RightTrack have significantly shorter timelines, such as 90 days.
Concentrate on these three factors to keep you safe on the road:
This major brand offers several coverage options like rideshare insurance that you won’t find everywhere, plus an app with a stellar customer experience.
State Farm ranked No. 1 in J.D. Power’s 2021 auto insurance study for its customer satisfaction in Florida, New York and the Northwest. The Northwest region includes Idaho, Montana, Oregon, Washington and Wyoming.
However, State Farm isn’t currently accredited by the Better Business Bureau (BBB), but it received an A rating and earned 1.2 stars put of 5 rating from over 400 reviewers. Customers report denied claims, unwanted soliciting and unauthorized payments.
In May 2017, the company also faced legal action from California’s Insurance Commissioner for overcharged premiums. It issued refunds to almost 250,000 customers, totaling over $13 million.
|AM Best financial rating||A++|
|Trustpilot score||1.8/5 out of 118 customer reviews|
|Customer reviews verified as of||10 December 2021|
Finder’s car insurance experts rate State Farm above average because of its well-rounded coverage, high BBB score and solid customer ratings overall. But since State Farm doesn’t have the cheapest rates for many drivers, its pricing lowered its overall score slightly.
Editor-in-Chief, Finder US
In August 2010, our car was swiped in a hit-and-run within two grand of its total life. Our rear bumper was smashed into our rear door, no damage to any other cars in sight.
It was late when I called State Farm’s claims number. But I got an agent nearly right away to guide us through the remarkably easy process. State Farm put us in touch with a local repair shop willing to tow our car for doctoring. We paid our deductible and picked up our newly polished car about two weeks later.
The best part: State Farm was willing to hear out my husband’s sleuthing about who the culprit might be. After haranguing the police to interview a sole witness — a night watchman at a nearby condo building who recorded a license plate number — we submitted the police report to our agent. With this info, our agent chased down the guy who ran off. To us, we’d done all we needed.
And then, on April 29, 2013, nearly three whole years later, we received a letter from State Farm along with a refund check for that deductible we paid years before: “We have recovered our payments from the responsible party.” They hadn’t stopped working on the case. That’s dedication.
See how other companies’ benefits, coverage and cost compare with your State Farm quote. Check the Compare box to compare companies side by side.
State Farm operates in all 50 states and Washington, DC and offers complete coverage which includes:
Look for one of nearly 20,000 State Farm agents that live near you. To use the company’s handy agent locator tool:
State Farm hands out generous discounts when bundling policies with car insurance. State Farm claims that new customers save $850 a year when buying car and home insurance. You’ll have the option of bundling your home, auto, renters or condo insurance.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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