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State Farm car insurance review Oct 2020

Last updated:  

Long list of discounts and personalized support from this popular brand

TrustPilot Reviews: 2.3 / 5.0 (37 reviews)

finder.com's rating: 4.5 / 5

★★★★★

  • Get a quote if you want convenient in-person and online support.
  • Pick something else if you’re not offered a good rate.

optional

Roadside assistance

New car protection

Accident forgiveness

Details

States served All 50 states
Roadside assistance Optional
Accident forgiveness Yes
New car protection Yes
Pay schedule 12 months, 6 months, Monthly
Claims methods Online, Phone
Rideshare coverage Yes
SR-22 support Yes

Pros

  • Excellent rating and top choice in the US
  • Full range of financial options
  • Available in 50 states

Cons

  • 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

Expert review

Jing Jun Ma

Review by


Jing Jun Ma is an innovations expert at Finder. With a decade of experience in digital marketing and programming, Jing is a tech and data guy. He wrangles data to make it useful for consumers facing a decision.

Expert review

State Farm is one of the highest rated auto insurance providers in the country, and for good reason. Not only does it provide personalized service through its large network of agents, its online platform allows customers to purchase coverage and file claims from the comfort of their own home.

State Farm also offers a number of discounts and features on each of its policy options to help keep prices competitive. If you’re looking for affordable auto insurance with great coverage and customer service, State Farm might be right for you.

But expertise may come with higher prices than you could find elsewhere. If you like the idea of a popular company offering lots of name-brand products, it’s worth comparing rates and options to other providers in your area.

Best of 2020
Finder experts pick State Farm as a 2020 best brand for car insurance.

State Farm car insurance quotes

Compare sample monthly quotes for State Farm car insurance.

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

How to apply for State Farm car insurance

Getting auto insurance coverage with State Farm can be done online, by phone or through an agent.

Online

  1. Go to the State Farm website.
  2. Select auto, enter your ZIP code and click Get a quote.
  3. Enter your personal information, then continue to the next step.
  4. Add your vehicle information or VIN, then click Next.
  5. Enter driver information, then click Next.
  6. Enter information about your driving history, then click Next.
  7. Add contact information and any other details, then click Next.
  8. Review and customize your policy options. If you’re satisfied, click to send the quote to your local agent or proceed to the next step.
  9. If you chose to buy online, review all final details, enter payment details, then purchase your policy.

Phone
Call 855-733-7333 to get connected to an agent. They can walk you through the process and get you the coverage you need.

Local agent
You can contact or visit a local agent’s office to find out how to get coverage. This option helps you customize your policy to your exact needs and ask any insurance questions you may have.

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 in person.

What discounts can I get with State Farm?

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

  • Accident-free. Snag a discount when you stay claim free for three years back-to-back, even if you just switched to State Farm with a claim-free history.
  • Away at school. Get discounted rates if your student driver is under 25 and only drives at home during school vacations and holidays.
  • Defensive driving. Save money for taking a defensive driving course or completing State Farm’s Steer Clear program, which tracks your driving to improve your abilities.
  • Good student. Students save up to 25% for getting good grades, and the savings apply after graduation until age 25.
  • Multipolicy. Save up to 17% if you have homeowners, renters, condo, or life insurance with State Farm.
  • Multivehicle. Shave 20% off your premium when you insure more than one car under the same policy.
  • Safe car. You could save up to 40% on medical coverage if your vehicle was made after 1994. Get another discount if your insured vehicle is equipped with anti-theft devices.
  • Telematics. State Farm can track your driving habits through OnStar or its app, offering discounts for signing up and driving safely.

What car insurance coverage does State Farm offer?

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

  • Car rental and travel expenses. Covers the cost of renting a replacement car while yours is in the shop after an accident. Travel expense coverage pays for meals, hotels and transportation if an accident happens away from home.
  • Collision. Collision pays to repair or replace your vehicle if it collides with another car or object like a guard rail.
  • Comprehensive. Comprehensive pays to repair or replace your car if it’s damaged by something other than a collision — including theft, fire, vandalism or hitting an animal.
  • 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 expenses if you or a passenger is injured in an accident.
  • 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.
  • Uninsured and underinsured motorist coverage. Helps pay for medical expenses if you’re injured in an accident caused by someone who doesn’t have liability insurance, or doesn’t have enough.

    How does State Farm bundling work?

    State Farm graces customers with a generous discount when bundling policies with car insurance. State Farm claims that new customers save around $850 per year when buying its car and home insurance. Policies that you can bundle:

    • Identity theft
    • Umbrella liability
    • Health
    • Pet
    • Farm and ranch
    • Landlord
    • Business
    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

    X

    More State Farm insurance guides

    State Farm car insurance reviews and complaints

    State Farm holds an A rating with the Better Business Bureau (BBB). Despite its decent rating, nearly 1,362 customer have filed BBB complaints about the company over the past 3 years as of October 2020. Customers report issues with denied claims, unwanted soliciting and unauthorized payments.

    J.D. Power gave State Farm 836 points on a 1,000-point scale in 2019 for overall customer satisfaction in the California Region. That puts State Farm above average for a company of its size.

    However, in May 2017, the company faced legal action from California’s Insurance Commissioner for overcharged premiums. It issued refunds to almost 250,000 consumers, totaling over $13 million.

    Other comparison sites like NerdWallet and The Balance have similarly mixed reviews, noting you’ll find wide coverage but spotty support and claims experience.

    Statefarm user reviews

    2.3 / 5.0 (37 reviews)
    • Honestly 2-star is being extremely generous when you've not answered a single call or an...
      read full review
    • State Farm is cheaper than you think I had been with Elephant Insurance for 5...
      read full review
    • I've never had an insurance company make the customer do so much foot work from...
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    • State Farm is the worst company I have ever had the displeasure to endure. Their...
      read full review
    • State farm was a great bargain years ago. The prices skyrockets after an accident even...
      read full review
    • They are horrible. They insured my house then 3 years later ( recently ) there...
      read full review

    Pros and cons of State Farm car insurance

    Pros

    • Biggest company for car insurance. State Farm is the top choice in the US for car insurance, with agents in just about any ZIP code.
    • Wide selection of policies. From basic liability to comprehensive coverage and even rideshare insurance, State Farm has it all.
    • High-risk auto insurance. State Farm can insure drivers with a less-than-perfect driving record. If you’re considered a high-risk driver, speak with an agent for more details.

    Cons

    • Higher prices than its competition. J.D. Power reports that State Farm tends to be more expensive than other options.
    • Inconsistent service. Since State Farm’s products are sold through a massive network of agents, your experience may vary.
    • Expect hard upselling. Because it offers so many products, State Farm trains its exclusive agents to encourage upgrades and add-ons. You’ll have to do your own legwork for price comparisons.

    Compare alternatives to State Farm

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

    Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
    Progressive
    Optional
    30%
    All 50 states
    Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
    Allstate
    13%
    All 50 states
    Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
    EverQuote
    EverQuote
    Optional
    Yes
    All 50 states
    Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
    The AARP Auto Insurance Program from The Hartford
    Optional
    Yes
    All 50 states & DC
    Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
    Liberty Mutual
    Optional
    30%
    All 50 states
    Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
    Esurance
    40%
    All states except AK, DE, HI, MT, NH, VT, WY
    Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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    Alternatives to State Farm

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      Frequently asked questions about State Farm

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