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State Farm car insurance review 2021

Get a long list of discounts and personalized support, but you won't find the cheapest rates on the market.'s rating: 4 / 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.

  • Start your policy today at 877-745-0232.
  • optional

    Roadside assistance

    New car protection

    Accident forgiveness


    States served All 50 states
    Roadside assistance Optional
    Accident forgiveness Yes
    New car protection No
    Pay schedule 12 months, 6 months, Monthly
    Claims methods Online, Phone
    Rideshare coverage Yes
    SR-22 support Yes


    • Local agent support
    • Top-ranked for customer satisfaction
    • Easy-to-use website
    • Top-rated mobile app


    • Higher prices than competition
    • No live chat
    • Expect hard upselling
    Anti-theft device discount Yes
    Bundling discount Yes
    Defensive driving discount Yes
    Good student discount Yes, Up to 25%
    Loyalty discount Yes, up to 20%
    Homeowner discount Yes
    Military discount No
    Safety device discount Yes, up to 40%
    Special employment discount No
    Usage-based discount No

    Review by

    Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

    Expert review

    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.

    This article was reviewed by Andrew Flueckiger, a member of the Finder Editorial Review Board and certified insurance counselor and licensed insurance agent in five states.

    Best of 2021
    Finder experts pick State Farm as a 2021 best brand for car insurance.

    State Farm car insurance quotes

    State Farm offers rates well below average rates for state minimum coverage in most states. You’ll pay an average of $400 to $500 in states like California and Texas, though rates go up if you live in New York city or state.

    Compare sample monthly quotes for State Farm car insurance.

    CaliforniaNew YorkTexas
    18-year-old man$73$1,012$84
    18-year-old woman$69$855$66
    25-year-old man$48$433$50
    25-year-old woman$44$398$34
    35-year-old man$35$244$20
    35-year-old woman$35$244$20
    45-year-old man$34$239$20
    45-year-old woman$53$239$20
    56-year-old man$34$213$18
    56-year-old woman$34$213$18

    How to get a free quote from State Farm car insurance

    Getting auto insurance coverage with State Farm can be done over the phone by calling 855-733-7333 or in-person through an agent. You can also easily get a quote online with these steps:

    1. From the State Farm website, choose auto, enter your ZIP code and tap Get a quote.
    2. Enter your personal information and car information or VIN, then click Next.
    3. Enter driver information, like your driver’s license number, then click Next.
    4. Enter details about your driving history and tap Next.
    5. Add contact and any other details, then click Next.
    6. Review and customize your policy. If you’re satisfied, submit the quote to your local agent or buy online by entering your payment info.

    What discounts can I get with State Farm?

    State Farm offers a number of discounts to help customers lower their premiums:

    • Accident-free. Stay claim free for three years back to back, even if you just switched to State Farm.
    • Away at school. Get a discount if your student is under 25 and only drives during school vacations and holidays.
    • Defensive driving. Take a defensive driving course or complete State Farm’s Steer Clear program, which tracks your driving to improve your abilities.
    • Good student. Save up to 25% for your student’s good grades, and apply the savings after graduation until age 25.
    • Multipolicy. Save up to 17% if you have State Farm homeowners, renters, condo, or life insurance.
    • Multivehicle. Shave 20% off your premium when you insure several cars on the same policy.
    • Safe car. Save up to 40% on medical coverage if your car was made after 1994. Get another discount if it’s equipped with anti-theft devices.
    • Telematics. State Farm can track your driving through OnStar or its app, offering discounts for signing up and driving safely.

      What add-ons and perks can I get with State Farm?

      This major brand offers several coverage options like rideshare insurance that you won’t find everywhere, plus an app with a stellar customer experience.

      • Car rental and travel expenses. Covers renting a car if your car needs repairs after an accident as well as covering meals, hotels and transportation if an accident happens away from home.
      • Rideshare. You can get coverage if you drive for Uber, Lyft or other rideshare services.
      • Roadside and accident assistance. Get reimbursed for assistance, towing and labor costs and rental car coverage required after an accident.
      • Top-rated mobile app. You can file and manage claims, access your ID cards, get roadside assistance, connect with your agent and call for roadside assistance easily through the app. Although many top insurers offer a mobile app, customers rave about this easy-to-use app and its features.

      State Farm car insurance reviews and complaints

      State Farm holds a solid A rating with the Better Business Bureau (BBB). However, about 1,350 BBB complaints were filed from 2018 to 2020, checked as of 2021. Customers report denied claims, unwanted soliciting and unauthorized payments.

      State Farm received 847 out of 1,000 points in J.D. Power’s 2020 car insurance study for its customer satisfaction in California. The score puts State Farm above the region’s average of 821 points.

      However, in May 2017, the company 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 ratingA++
      BBB accreditedYes
      BBB ratingA+
      Trustpilot score1.8/5 out of 75 customer reviews
      Customer reviews verified as of28 June 2021

      Our star ratings for State Farm, explained

      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.

      Case study: Kelly’s experience

      profile pic

      Kelly Waggoner
      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.

      Compare alternatives to State Farm

      See how other companies’ benefits, coverage and cost compare with your State Farm quote. Check the Compare box to compare companies side by side.

      Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
      All 50 states
      Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
      All 50 states & DC
      Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
      The AARP Auto Insurance Program from The Hartford
      All 50 states
      Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
      Liberty Mutual
      All 50 states & DC
      Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
      Depends on provider
      All states & DC
      Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
      All 50 states except AK & HI
      Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.

      Compare up to 4 providers

      What car insurance coverage does State Farm offer?

      State Farm offers complete coverage in all 50 states and Washington, D.C. which includes:

      • Collision. Pays to repair or replace your car if it collides with another car or object like a guard rail.
      • Comprehensive. Pays to repair or replace your car if it’s damaged by something other than a collision — including theft, fire or vandalism.
      • Liability. Pays another person’s medical expenses, car repairs or property damage if you’re responsible for the accident.
      • Medical payments. Pays medical and funeral costs if you or a passenger gets accident injuries.
      • Uninsured and underinsured motorist. Helps with medical bills if you’re injured by a driver with little to no liability insurance.

      How to find a State Farm agent near me

      You can look for one of nearly 20,000 State Farm agents that live near you. To use the company’s handy agent locator tool:

      1. Click Find An Agent from the navigation on State Farm’s main website.
      2. Enter your ZIP code in the screen that pops up. Tap Find an Agent.
      3. Click on agencies from the map or scroll down to find each agent’s contact details.
      4. Choose your agent, then call or visit the office.

      How does State Farm bundling work?

      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.

      Ready to get insured?
      Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value. Start your policy today at 877-745-0232.

      Need help? Talk to a customer specialist


      Car insurance ratings

      ★★★★★ — Excellent

      ★★★★★ — Good

      ★★★★★ — Average

      ★★★★★ — Subpar

      ★★★★★ — Poor

      We analyze the best car insurance providers and rate them one to five stars based on factors that are most important to you.

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