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State Farm commercial car insurance review

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Personalized support from a financially solid company

finder.com’s rating: 4.0 / 5.0


Car insurance with a personal touch sums up State Farm’s customer service model. Though you won’t find many specialized policies here, the necessities for your business vehicles are covered.


Roadside assistance


Description Personalized support from a financially solid company
States served All 50 states
AM Best financial rating A++
Claims methods online, phone
Payment schedule 6 months, monthly


  • Personal support.
  • Financial stability.
  • Online claims support.
  • Rideshare coverage.


  • Average customer satisfaction.
  • No industry packages.

What commercial car insurance coverage does State Farm offer?

State Farm outlines basic coverage and then provides industry-specific options within its business insurance packages. Here are some basic coverages the company offers:

  • Bodily injury liability. Ensures that others are protected in the event of an accident that’s your fault.
  • Property damage liability. Takes care of damage to other driver’s property.
  • Personal injury and medical payments. Pay medical bills for the people in your vehicles or the other car.
  • Collision. Cover essential costs if your business vehicle collides with another car or object.
  • Comprehensive. Coverage for accidents that don’t involve a collision.
  • Uninsured or underinsured motorists. Not everyone has enough insurance to cover your costs in an accident, especially if your fleet has expensive trucks and equipment. Get a policy that covers what they can’t.

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Where can I get commercial car insurance from State Farm?

State Farm has agents available in all 50 states and Washington, DC. However, some coverage and availability will differ between states, which you can confirm with your local agent.

What features does State Farm offer for businesses?

State Farm provides insurance packages customized to your business. Packages feature commercial car coverage that fits your industry’s needs. A few of those features include:

  • Non-owned coverage. Protect your business when an employee is driving their personal car for business purposes.
  • Motor truck cargo. Insure your customers’ property when you’re transporting it in a business vehicle.
  • Inland marine. Get coverage against damages to transported business tools, equipment and goods.
  • Rideshare option. Extend your personal car insurance coverage for Uber or Lyft drivers at a much cheaper rate than standard commercial coverage.

How reliable is State Farm?

State Farm is not accredited by the Better Business Bureau. However, it does maintain a high BBB rating of A-. The company also has a strong financial standing with A.M. Best, showcasing an A++ (Superior) rating.

Its consumer ratings offer more well-rounded insight. Consumer Affairs reports a 3/5 rating based on over 400 reviews last year. Also, JD Power gives a midrange rating in its 2018 US Auto Claims Satisfaction Study.

Keep in mind that these ratings include reviews for how State Farm handles both its personal and commercial insurance, so your experience as a business customer may vary.

Pros and cons of State Farm commercial car insurance


  • Personal support. Your local rep gives you personalized service tailored to your business and market.
  • Financial stability. The company’s strong financial ratings show it has the stability to back up your claims.
  • Online claims support. Online claims reporting allows you to file claims when it’s most convenient for you.
  • Rideshare coverage. Drivers for companies like Uber or Lyft could avoid expensive commercial car insurance with this policy extension.


  • Average customer satisfaction. Despite the company’s face-to-face representatives, overall customer satisfaction ranks as middle-of-the-line.
  • Limited coverage. State Farm only covers the basics with its commercial car insurance policies.

How to contact State Farm

State Farm is available 24/7 for questions and concerns.

  • In person. Make an in-person visit to your local representative’s office.
  • Phone. Reach customer service at 855-733-7333.
  • Online support. Log into your online account to pay bills and report or manage claims, or visit State Farm’s FAQs page for quick, convenient answers.
  • Mobile app. Manage your account from your phone with the mobile app.
  • Mail. Mail headquarters at:
  • State Farm Insurance
  • One State Farm Plaza
  • Bloomington, IL 61710

Alternatives to State Farm commercial car insurance

Name Product AM Best financial rating Available states
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This big-name lender offers general and specialized coverage for your drivers or fleet. But don’t expect top customer support.
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Insurance321 matches you with an agent or broker who can find the best commercial car insurance coverage for your business.
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Your customized business vehicle insurance starts with a quick expert assessment to find the best coverage for your company.
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Geico promises low premiums and high limits for your company cars.
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Reduce the risk of fleet accidents with Liberty Mutual’s driver safety training and monitoring.
All 50 states
Thanks to customizable coverage and speedy claims, this big-name insurer can help protect you, your employees and your assets.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 43 states.
All 50 states
Backed by nearly 100 years in the business and an A+ AM Best rating, Farmers Insurance aims to help you find the coverage you need for your business.

Compare up to 4 providers

Bottom line

Looking for personalized customer service from a brand with financial stability? State Farm might just fit your business. Still, you should take into account the company’s average claims satisfaction and possibly limited commercial policies.

Compare other commercial car insurance options to find the best insurance for your business.

Frequently asked questions

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Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.

We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

Learn the details of our methodology and scoring.

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