State Farm Insurance Review

State Farm is given a solid rating of 4.5 and crowned as the top choice for Student Drivers. Discover the details of their pricing and coverage in our comprehensive State Farm insurance review.

State Farm, the biggest auto insurance provider in the US, is renowned across the country for its dependable service and comprehensive coverage. Customers have praised State Farm insurance for its extensive range of products and attractive discounts for drivers.

To provide you with an accurate assessment, our team thoroughly examined State Farm insurance reviews, focusing on the company’s claims and billing procedures. In this review, we present our discoveries, including plan details, cost information, available discounts, and much more. Continue reading to discover how State Farm stacks up against other leading car insurance companies in the industry.

State Farm, established in 1922, is the leading property and casualty insurer in the United States. It is also among the top revenue-generating companies. State Farm provides a wide array of comprehensive coverage options to drivers across all states, except for Massachusetts and Rhode Island, where it no longer accepts new business. You can purchase insurance policies through a vast network of local State Farm agents.

State Farm Car Insurance Pricing

State Farm stands out as a leading national provider with its affordable rates. Our data reveals that individuals who are 35 years old, have a spotless driving record, and possess a good credit history pay just $1,339 annually or $112 per month for comprehensive car insurance from State Farm. This is significantly lower than the national average of $1,732 per year.

It’s important to note that while these estimates from State Farm are competitive, the actual cost of your insurance will depend on various factors, including your age, gender, vehicle, driving record, location (city and state), marital status, and credit score.

Cheapest Car Insurance Estimates For Drivers By State

Get a clearer picture of how much State Farm auto insurance might cost by taking a look at the estimated rates in the table below. These rates are specifically for a 35-year-old married driver with a good credit score and a clean driving record.

StateAnnual Rate EstimateStateAnnual Rate Estimate
District of Columbia$1,498Florida$1,753
Nevada$1,533New Hampshire$755
New Jersey$1,887New Mexico$1,003
New York$3,374North Carolina$1,316
North Dakota$1,013Ohio$786
Pennsylvania$1,426Rhode IslandN/A*
South Carolina$1,305South Dakota$1,057
West Virginia$969Wisconsin$795

Unfortunately, we do not have cost information for State Farm auto insurance in Massachusetts and Rhode Island. However, State Farm offers particularly affordable rates for higher-risk drivers, especially when compared to other insurance providers. If you have recently had a DUI or car accident, you may be eligible for better offers from State Farm. To get an accurate estimate of your auto insurance rate, it is best to contact State Farm online or reach out to a local agent for a personalized car insurance quote.

Cheapest Car Insurance Estimates For Drivers With A Recent Car Accident

Car Insurance CompanyAnnual Rate Estimate
State Farm$1,671

Cheapest Car Insurance Estimates For Drivers With A Recent DUI

Car Insurance CompanyAnnual Rate Estimate
State Farm$1,998
American Family$2,433

Is State Farm Expensive?

State Farm is actually quite affordable according to our research. For good drivers, the average cost per year is around $1,139, which is quite reasonable. Moreover, State Farm also provides affordable rates for young drivers and teens, making it a great option for families.

State Farm Car Insurance Discounts

State Farm offers a variety of ways for customers to save on their car insurance rates. Here are some of the discounts available:

  1. Accident-Free Discount: If you’ve been insured with State Farm for three continuous years without any accidents, you can qualify for this discount. The longer you go without an accident, the greater the discount.
  2. Defensive Driving Discount: By completing a defensive driving course, you can become eligible for this discount. It’s a great way to improve your driving skills and save on your insurance.
  3. Good Student Discount: If you’re a full-time student between the ages of 16 and 25 and maintain a B average or higher, you can enjoy this discount. It rewards your hard work in school.
  4. Good Driving Discount: Drivers who have gone three years without an at-fault accident can benefit from this discount. It’s a way to recognize and reward safe driving habits.
  5. Driver Training Discount: If you’re under 21 and complete an approved driver education class, you can qualify for this discount. It encourages young drivers to learn and practice safe driving techniques.
  6. Student Away at School: For drivers under 25 who move away from home for college and leave their cars behind, this discount is available. It acknowledges that you won’t be driving as frequently.
  7. Vehicle Safety Discount: If your vehicle is a model year 1994 or newer, you can receive a discount on medical payments coverage. It’s a way to reward the safety features of newer vehicles.
  8. Passive Restraint Discount: Vehicles that are model year 1993 or older and equipped with factory-installed airbags or another passive restraint system can qualify for this discount on medical payments coverage. It recognizes the safety measures in older vehicles.
  9. Anti-Theft Discount: Cars equipped with an alarm or anti-theft device can enjoy this discount. It’s a way to deter theft and lower insurance rates.
  10. Multiple Auto Discount: If you insure two or more vehicles with State Farm, you can take advantage of this discount. It’s a great way to save when you have multiple vehicles to insure.
  11. Multiple Line Discount: By bundling your auto insurance with other insurance products like homeowners, renters, condo, or life insurance policies, you can receive a discount. It rewards you for choosing State Farm for multiple insurance needs.

These discounts are just some of the ways State Farm helps customers lower their car insurance rates. Contact your local State Farm agent to learn more about which discounts you may qualify for.

State Farm offers a variety of auto insurance coverage options to meet your needs. Here are the six standard forms of car insurance you can purchase:

  1. Liability: This covers the medical expenses for other drivers and their passengers if you cause an accident. It also pays for damages to other drivers’ vehicles if you are at fault.
  2. Collision: If your car is moving and gets damaged, whether it’s due to flipping your car, hitting another vehicle, or encountering a road hazard, collision insurance will cover the costs.
  3. Comprehensive: This insurance covers damages to your vehicle caused by animals or natural disasters. It also provides coverage for theft or vandalism, helping you repair or replace your vehicle.
  4. Medical Payments: After an accident, medical payments (MedPay) will cover the medical bills for you and your passengers.
  5. Personal Injury Protection (PIP): PIP pays for medical bills for you and your passengers after an accident. It may also cover other expenses like lost wages.
  6. Uninsured/Underinsured Motorist: If you’re hit by a driver without insurance or with insufficient insurance, this coverage will pay for damages to your vehicle.

Choose the coverage options that best suit your needs and drive with peace of mind knowing you’re protected with State Farm Auto Insurance.

State Farm offers a variety of additional insurance options to enhance your auto coverage. These options include:

  1. Emergency Roadside Assistance: Get peace of mind with emergency services like towing, lockouts, tire changes, fluid delivery, and winching.
  2. Rideshare Driver Coverage: If you’re a rideshare driver for services like Uber or Lyft, State Farm provides specialty insurance to protect you while you’re on the job.
  3. Car Rental and Travel Expense Coverage: When your car is in the shop for covered repairs, State Farm can help cover the cost of a rental car and travel expenses such as meals and lodging.

State Farm offers a usage-based insurance program called Drive Safe & SaveTM. By participating in this program, your driving habits are monitored through either OnStar or a smartphone app. The program keeps track of various factors such as fast braking, driving times, total distance driven, speed, and more. As a reward for driving less frequently and practicing safe driving habits, customers can enjoy discounts.

The Drive Safe & Save app has received positive ratings, with a score of 4.1 out of 5.0 on Google Play and 4.6 out of 5.0 in the App Store. While there have been some complaints about the app’s functionality, it still outperforms similar apps offered by most competitors.

When it comes to customer satisfaction, State Farm has a solid reputation. It holds an A+ rating from the Better Business Bureau (BBB) and has received 1,581 complaints in the past three years. In the J.D. Power customer satisfaction index, State Farm scored 892 out of 1,000.

State Farm has a strong claims record and has been recognized by J.D. Power. In the J.D. Power 2021 U.S. Insurance Shopping StudySM, State Farm ranked second among large insurers, surpassing the segment average. Additionally, in the J.D. Power 2021 U.S. Auto Insurance Satisfaction StudySM, State Farm performed well in most regions and achieved the highest ranking in three out of 11 regions.

However, it’s worth noting that according to the National Association of Insurance Commissioners (NAIC), State Farm (NAIC number 25143) has a complaint index of 1.52. This means that it receives 1.52 times the number of complaints compared to the average provider. NAIC scores are determined based on market share.

Article: State Farm: Insights from Customer Feedback

In our recent survey on auto insurance conducted in 2022, State Farm emerged as the leading provider, with 13 percent or 133 out of 1,000 respondents reporting that they held State Farm car insurance coverage. Remarkably, more than 50 percent of these policyholders expressed high satisfaction with the company.

Delving deeper into the survey, we inquired about the time it took for respondents to have their claims resolved. The results revealed that over 25 percent experienced resolutions within two weeks, 24 percent between two and four weeks, and 14 percent endured a process exceeding four weeks. Notably, among the 133 respondents insured by State Farm, half reported having their claims resolved in two weeks or less.

State Farm’s Mobile App Experience

State Farm extends its services through a user-friendly mobile app, enabling customers to handle various tasks such as bill payments, policy management, ID card viewing, and claims filing. Boasting high ratings on both the Google Play store (4.7 out of 5.0) and the App Store (4.8 out of 5.0), the app has garnered praise for its functionality with minimal complaints, proving effective for a broad spectrum of drivers.

Diverse Insurance Offerings by State Farm

Beyond auto insurance, State Farm provides an extensive array of insurance types, including coverage for motorcycles, boats, ATVs, motorhomes, homes, renters, businesses, life, health, pets, and even rideshare services.

Home Insurance by State Farm

Customers can acquire home insurance coverage from State Farm at any time. The coverage spans repairs or reconstruction in the aftermath of severe weather or events such as theft or vandalism. Additionally, State Farm offers protection for valuable items like jewelry, collectibles, and art, along with liability insurance covering personal liability, medical payments, and supplementary coverage.

Life Insurance Options with State Farm

State Farm caters to diverse life insurance needs by offering term life insurance, whole life insurance, and universal life insurance. Term life insurance ensures death protection for a specified duration, while whole life insurance guarantees a death benefit to address income loss, mortgage costs, or educational needs. Universal life insurance serves the dual purpose of family protection and building tax-deferred cash value.

For more information on State Farm’s health and life insurance offerings, individuals are encouraged to contact a customer service representative at 800-782-8332. Explore the range of options to secure the coverage that aligns with your specific needs and preferences.

Top Car Insurance Choices

Regardless of your location, there are numerous choices available when it comes to selecting car insurance. Identifying a singular best provider is elusive, making it essential to explore various options and compare quotes from different insurance companies.

Progressive: Pioneering Usage-Based Coverage
Standing tall among the major insurers in the United States, Progressive stands out by offering competitive rates, particularly catering to high-risk drivers. This insurance giant provides comprehensive coverage along with attractive add-on choices at affordable rates.

Progressive earns recognition for its groundbreaking Usage-Based Insurance, notably through its Snapshot® program. This innovative initiative involves monitoring driving behavior via a mobile app, empowering drivers to make savings. This aspect positions Progressive as an appealing choice for infrequent drivers or those with impeccable driving records.

Geico: Unrivaled Overall Excellence
Earning our accolade for the title of Best Overall Provider, Geico distinguishes itself by providing commendable rates and extensive coverage options to drivers nationwide. Renowned for its dependable and highly-rated claims service, Geico has solidified its position as a leading player in the insurance industry.

AM Best awards Geico with an A++ rating for financial strength, attesting to its robust financial standing and a consistent track record of fulfilling customer claims. Additionally, Geico’s competitive rates make it a compelling option, potentially offering the most economical choice for a wide spectrum of drivers.

Evaluating Insurance Companies: Our Approach

Our assessment process is geared towards providing consistent and impartial evaluations of car insurance providers. While success in the car insurance industry encompasses various qualities, our review methodology emphasizes those we deem crucial for consumers:

Affordability: Comparing costs among insurers can be challenging due to the multitude of factors influencing annual premiums. The insurer that offers the most economical rates for one driver might not be as budget-friendly for another. In calculating our affordability score, we analyze insurance rate estimates generated by Quadrant Information Services, explore discount opportunities, and consider consumer reports.

Comprehensive Coverage: Our assessment of coverage considers the diversity of coverage options available, along with coverage limits and deductible choices. Additionally, our ratings factor in supplementary services and benefits such as roadside assistance.

Dependability: The ability of an auto insurer to fulfill its claims obligations is paramount. Companies boasting a robust financial strength rating from AM Best excel in this category. Furthermore, insurers with a well-established track record of providing dependable service earn favorable ratings.

Customer Service: We meticulously examine customer reviews on platforms like the BBB to gain insights into customer experiences. Insurers with a minimal number of complaints receive favorable scores in this regard. The claims process is also taken into account, with higher ratings assigned to car insurance providers offering user-friendly claims apps.

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