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finder.com's rating: 4.5 / 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.
optional
Roadside assistance
New car protection
Accident forgiveness
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 |
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 CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.
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.
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.
California | New York | Texas | |
---|---|---|---|
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 |
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:
State Farm offers a number of discounts to help customers lower their premiums:
State Farm offers complete coverage in all 50 states and Washington, D.C. which includes:
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, as of February 2021. Customers report denied claims, unwanted soliciting and unauthorized payments.
State Farm received 836 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.
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.
See how other companies’ benefits, coverage and cost compare with your State Farm quote. Check the Compare box to compare companies side by side.
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:
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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