State Farm Car Insurance Review [2024]
How much is State Farm auto insurance? State Farm car insurance rates range from $86/mo in Hawaii to $1,047/mo in Michigan. See how State Farm's Good Neighbor philosophy affects its coverages, discounts (including its Steer Clear and Drive Safe & Safe programs), and rankings in our State Farm car insurance review.
Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Jul 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
State Farm
Average Monthly Rate For Good Drivers
$156A.M. Best Rating:
B (Fair)Complaint Level:
LowPros
- Has the third-lowest average premium among the top 10 providers
- Consistently strong financial standing and solid rankings
- Policies are available in all 50 states
- Customers have a variety of online options and an easy-to-use app
Cons
- Rates can be pricey depending on where you live
- Could stand to offer more discounts, like federal employees, green vehicles, and occupational
- Limited add-ons available
If you are looking for car insurance, there are certain things that you will need to decide on, such as the type of coverage you need and how much your deductible should be.
Our State Farm insurance ratings and review will give you information about the types of car insurance coverage State Farm offers, as well as information about its deductibles.
After reading what is available, you can speak with a State Farm insurance agent to determine what the best choice is for you.
If you would like to compare State Farm car insurance rates, just fill in your ZIP code in the box provided above.
- State Farm car insurance is available in every state in the U.S.
- State Farm car insurance offers a variety of coverage and deductible options
- State Farm car insurance rates start from $156/mo
What You Should Know About State Farm Insurance
Is State Farm good? State Farm will be an excellent choice for anyone looking for insurance. State Farm excels in customer satisfaction and simplicity of the claims process, and coverage is available in every state, so if you move, you can remain with the company.
While State Farm does offer many wonderful benefits, it isn’t the most affordable option for every driver, especially when it comes to inexperienced drivers and drivers with bumpy driving records. State Farm is also missing typical discounts, such as the federal employee and green vehicle car insurance discounts, which other top competitors offer.
The easiest way to ensure you are getting the best State Farm car insurance rates is to look closely at what your insurance needs are and how much you can afford to spend before comparing multiple company quotes online. Use this State Farm car insurance review to see how the provider compares to other companies and if it’s the right car insurance company for you.
Some insurance companies don’t include all of the additional benefits that you get with State Farm and you need to understand which benefits are worth letting go of and which are not.
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State Farm Insurance Coverage Options
State Farm offers the same car insurance options as all of the other companies do and in some cases, at a competitive rate. Let’s take a look at State Farm coverage options and go into detail about what they mean.
We know it can be confusing, so that’s why we’ve compiled a list of common coverages with a brief explanation. Different coverage types fall into four basic categories:
When you are at fault
- Liability coverage covers the physical damages you inflict upon another vehicle and the bodily injuries sustained by all individuals in the other car.
When you are not at fault
- Uninsured and Underinsured Motorist Coverage covers your expenses if the at-fault driver has little or no liability coverage.
Vehicle Protection
- Collision Car Insurance – State Farm’s collision coverage covers your vehicle repairs or replacement after an accident
- Comprehensive Car Insurance – includes what most would consider “out of our control” such as storm damage, hitting an animal, and more
- Emergency Road Service – covers standard roadside services like tire changes, jump starts, and lockout services
- Rental Car Reimbursement Coverage – includes a rental car while yours is getting repaired for a covered loss
- Mechanical Breakdown Coverage – covers parts and systems failure of your vehicle that is not caused by normal wear and tear or improper maintenance (See our article, Does car insurance cover a bad engine?)
Personal Protection
- Medical Payments Coverage – covers medical expenses of those in your vehicle
- Personal Injury Protection – covers costs incurred from injuries to yourself or others in the vehicle, lost wages and funeral expenses no matter who is at fault
- Umbrella Policy – covers your liability coverage to a much higher limit which blankets over multiple policies such as home and auto as well as others
Depending on where you live, some of the above may be optional coverages. State Farm also has a good selection of additional coverage, including the most popular options
- Towing and Roadside Assistance
- New Car Replacement
- Classic car insurance and collector car coverage
To add onto these standard options, State Farm goes a step further an offers a couple of specialty options:
- Rideshare Car Insurance for anyone working for a ridesharing service (such as Lyft or Uber)
- Loan/Lease Payoff Coverage: coverage that helps you pay off the loan/lease of your vehicle if it were to be totaled during a wreck
State Farm’s Additional Insurance Options
State Farm provides much more than just car insurance.
State Farm insurance offerings also include:
- Life Insurance
- Boat Insurance
- Health Insurance
- Disability Insurance
- Farm and Ranch Insurance
- Homeowners Insurance (See details in our articles Best Mobile Home Insurance and Best Tiny Home Insurance in South Carolina.)
- Motorcycle Insurance
- Flood Insurance
Despite the fact that State Farm offers all of these insurance options, it started out as strictly an auto insurance company for farm owners in 1922.
Additionally, when you combine multiple policies, you can qualify for a discount. For example, your largest savings will be by having both an auto and a homeowners insurance policy with the company.
You could save on average over $100 a month by having your car insurance and home insurance with State Farm.
Justin Wright Licensed Insurance Agent
How to Cancel State Farm Car Insurance
State Farm provides two ways to cancel car insurance:
By Phone
- You’ll typically need to have the following: policy number, name, date of birth, and Social Security number. If you’re canceling because you’ve sold your car, you’ll likely need proof of your vehicle’s plate forfeiture or bill of sale.
- Cancellations by phone are typically valid immediately, or you can schedule it for a date in the future.
- Many states require you to inform the DMV when you cancel or change your auto insurance. Check your state’s guidelines.
- If you’re switching providers, you may need to provide the new provider’s name, policy number, and effective date.
By Mail or Fax
Write a letter that includes:
- Your name, address, and phone number.
- Your State Farm policy number and the date and time you want your policy to end.
- If you’re switching providers, your new insurer’s name, policy number, and policy start date.
- If you’ve sold your vehicle, proof of plate forfeiture or your bill of sale.
Sign, date, and mail your letter at least two weeks before your intended cancellation date to:
Corporate Headquarters
State Farm Insurance
One State Farm Plaza
Bloomington, IL 61710
Or fax: 888-633-0405 or 905-750-5002.
In-person
Bring the following:
- Your name, address, and phone number.
- Your State Farm policy number and the date and time you want your policy to end.
- If you’re switching providers, your new insurer’s name, policy number, and policy start date.
- If you’ve sold your vehicle, proof of plate forfeiture or your bill of sale.
You can cancel your insurance policy with State Farm at any time, make sure you have new coverage on your vehicle before your current plan expires.
See full details in our article, How To Cancel State Farm Car Insurance.
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How to Make a State Farm Car Insurance Claim
Claims can be filed with State Farm:
- By calling 800-SF-CLAIM (800-732-5246) (available 24/7)
- By calling a State Farm car insurance agent.
- With the mobile app
When you make a claim, you’ll need the following:
- Date and time of the incident
- Vehicles involved
- Description of the incident
- Description of damages
- Location of incident
Now, that we’ve shown you how to file a claim, let’s look at how State Farm pays out claims to its customers. Loss ratios can give us some insight into the answer to that question.
State Farm's Written Premiums and Loss Ratio
Private Passenger Auto | 2020 | 2021 | 2022 | 2023 |
---|---|---|---|---|
Premiums Written | $100 billion | $105 billion | $110 billion | $115 billion |
Loss Ratio | 65% | 63% | 62% | 60% |
State Farm has established that it cares about its customers and, as a premier car insurance company, it tries to provide a quick turnaround for claims.
Sometimes State Farm pays claims as quickly as 24 hours after an accident.
State Farm Insurance Rates Breakdown
How much is State Farm car insurance? Here are two things to keep in mind regarding car insurance with State Farm.
- Many variables can affect what you pay.
- State Farm car insurance discounts may help offset the cost.
Which factors affect your State Farm car insurance quotes? According to State Farm Insurance, these seven factors determine auto insurance premiums:
- Your policy and deductibles
- The vehicle model you drive
- How often you drive, and how far is your commute
- Your geographic location
- Your driving record
- Your credit history
- Your age, sex, and marital status
These factors are common among all insurance providers, but new laws and regulations are being passed, which have changed some of the ways in which companies can determine your rates.
Compare State Farm Car Insurance Rates by State
State Farm is available in every state. Note that State Farm prices, like other insurance companies’ prices, vary, sometimes below and sometimes above average, and can be further affected by factors like driving record and credit history.
State Farm Car Insurance vs. State Average
State | Monthly Premium | Higher/Lower than State Average | Percent Higher/Lower than State Average |
---|---|---|---|
Alaska | $186 | -$100 | -34.88% |
Alabama | $400 | $103 | 34.52% |
Arkansas | $233 | -$112 | -32.39% |
Arizona | $397 | $82 | 26.13% |
California | $351 | $43 | 13.92% |
Colorado | $273 | -$51 | -15.62% |
Connecticut | $248 | -$137 | -35.56% |
District of Columbia | $340 | -$30 | -8.23% |
Delaware | $373 | -$127 | -25.38% |
Florida | $284 | -$107 | -27.41% |
Georgia | $283 | -$132 | -31.85% |
Hawaii | $87 | -$127 | -59.29% |
Iowa | $186 | -$63 | -25.38% |
Idaho | $157 | -$93 | -37.30% |
Illinois | $196 | -$80 | -29.06% |
Indiana | $201 | -$84 | -29.46% |
Kansas | $227 | -$47 | -17.06% |
Kentucky | $280 | -$154 | -35.44% |
Louisiana | $382 | -$94 | -19.82% |
Maine | $184 | -$63 | -25.55% |
Maryland | $331 | -$52 | -13.57% |
Massachusetts | $114 | -$110 | -49.16% |
Michigan | $1,048 | $173 | 19.69% |
Minnesota | $173 | -$195 | -53.06% |
Missouri | $225 | -$53 | -19.11% |
Mississippi | $249 | -$57 | -18.67% |
Montana | $202 | -$67 | -24.93% |
North Carolina | $258 | -$26 | -9.27% |
North Dakota | $214 | -$134 | -38.54% |
Nebraska | $204 | -$71 | -25.73% |
New Hampshire | $183 | -$81 | -30.66% |
New Jersey | $628 | $168 | 36.48% |
New Mexico | $196 | -$94 | -32.42% |
Nevada | $484 | $78 | 19.22% |
New York | $375 | $16 | 4.54% |
Ohio | $210 | -$18 | -7.45% |
Oklahoma | $236 | -$110 | -32.00% |
Oregon | $229 | -$61 | -21.23% |
Pennsylvania | $230 | -$108 | -31.98% |
Rhode Island | $201 | -$217 | -51.90% |
South Carolina | $257 | -$60 | -18.77% |
South Dakota | $193 | -$140 | -42.09% |
Tennessee | $220 | -$86 | -27.91% |
Texas | $241 | -$97 | -28.77% |
Utah | $388 | $86 | 28.63% |
Virginia | $190 | -$7 | -3.77% |
Vermont | $366 | $96 | 35.52% |
Washington | $209 | -$47 | -18.29% |
West Virginia | $178 | -$39 | -18.07% |
Wisconsin | $200 | -$102 | -33.79% |
Wyoming | $193 | -$75 | -28.02% |
Median | $229 | -$77 | -25.39% |
The most expensive state to carry State Farm as your insurance provider is Michigan, followed by New Jersey, where rates are thousands above average.
Here’s a look at the State Farm estimate compared to nine other top companies on a state-by-state basis.
State Farm Car Insurance Monthly Rates vs. Top Competitors by State
State | Average Monthly Premium | Allstate | American Family | Farmers | Geico | Liberty Mutual | Nationwide | Progressive | State Farm | Travelers | USAA |
---|---|---|---|---|---|---|---|---|---|---|---|
Alaska | $285 | $263 | $346 | N/A | $240 | $442 | N/A | $256 | $186 | N/A | $205 |
Alabama | $297 | $276 | N/A | $349 | $239 | $334 | $222 | $371 | $400 | $308 | $178 |
Arkansas | $344 | $429 | N/A | $355 | $291 | N/A | $322 | $443 | $233 | $498 | $181 |
Arizona | $315 | $409 | N/A | $417 | $189 | N/A | $292 | $298 | $397 | $257 | $257 |
California | $308 | $378 | N/A | $417 | $241 | $253 | $388 | $238 | $350 | $279 | $225 |
Colorado | $323 | $462 | $311 | $442 | $258 | $234 | $312 | $353 | $273 | N/A | $278 |
Connecticut | $385 | $486 | N/A | N/A | $256 | $607 | $306 | $410 | $248 | $500 | $266 |
District of Columbia | $370 | $539 | N/A | N/A | $308 | N/A | $404 | $414 | $340 | N/A | $215 |
Delaware | $499 | $527 | N/A | N/A | $311 | $1,530 | $361 | $349 | $373 | $349 | $194 |
Florida | $390 | $620 | N/A | N/A | $316 | $448 | $362 | $465 | $283 | N/A | $238 |
Georgia | $414 | $351 | N/A | N/A | $248 | $838 | $541 | $375 | $282 | N/A | $263 |
Hawaii | $213 | $182 | N/A | $397 | $280 | $266 | $213 | $182 | $87 | N/A | $100 |
Iowa | $248 | $247 | $252 | $203 | $192 | $368 | $228 | $200 | $186 | $453 | $155 |
Idaho | $248 | $341 | $311 | $264 | $231 | $192 | $253 | N/A | $156 | $269 | $157 |
Illinois | $276 | $434 | $318 | $384 | $232 | $190 | $226 | $295 | $196 | $209 | $232 |
Indiana | $285 | $332 | $307 | $287 | $189 | $482 | N/A | $325 | $201 | $283 | $136 |
Kansas | $273 | $334 | $179 | $309 | $269 | $399 | $207 | $345 | $227 | $362 | $199 |
Kentucky | $433 | $595 | N/A | N/A | $386 | $494 | $459 | $463 | $280 | $546 | $242 |
Louisiana | $476 | $500 | N/A | N/A | $513 | N/A | N/A | $623 | $382 | N/A | $363 |
Maine | $246 | $306 | N/A | $231 | $236 | $361 | N/A | $304 | $184 | $188 | $161 |
Maryland | $382 | $436 | N/A | N/A | $320 | $775 | $243 | $342 | $330 | N/A | $229 |
Massachusetts | $223 | $226 | N/A | N/A | $126 | $362 | N/A | $320 | $114 | $295 | $122 |
Michigan | $875 | $1,909 | N/A | $709 | $536 | $1,667 | $527 | $447 | $1,047 | $731 | $302 |
Minnesota | $367 | $378 | $294 | $262 | $292 | $1,131 | $244 | N/A | $173 | N/A | $239 |
Missouri | $277 | $342 | $274 | $359 | $241 | $377 | $189 | $285 | $225 | N/A | $211 |
Mississippi | $306 | $412 | N/A | N/A | $341 | $371 | $230 | $359 | $248 | $311 | $172 |
Montana | $268 | $390 | N/A | $326 | $300 | $111 | $290 | $361 | $202 | N/A | $170 |
North Carolina | $283 | $599 | N/A | N/A | $245 | $182 | $237 | $199 | $257 | $261 | N/A |
North Dakota | $347 | $389 | $318 | $258 | $223 | $1,071 | $214 | $302 | $214 | N/A | $167 |
Nebraska | $274 | $267 | $185 | $333 | $320 | $520 | $217 | $313 | $204 | N/A | $195 |
New Hampshire | $263 | $227 | N/A | N/A | $135 | $704 | $208 | $225 | $182 | N/A | $159 |
New Jersey | $460 | $476 | N/A | $635 | $230 | $564 | N/A | $331 | $627 | $355 | N/A |
New Mexico | $289 | $350 | N/A | $360 | $372 | N/A | $293 | $260 | $195 | N/A | $192 |
Nevada | $405 | $448 | $454 | $467 | $306 | $517 | $290 | $339 | $483 | $447 | $256 |
New York | $358 | $395 | N/A | N/A | $203 | $545 | $334 | $315 | $374 | $382 | $314 |
Ohio | $226 | $267 | $127 | $286 | $156 | $369 | $275 | $287 | $209 | $262 | $124 |
Oklahoma | $346 | $310 | N/A | $346 | $287 | $573 | N/A | $403 | $235 | N/A | $265 |
Oregon | $289 | $397 | $294 | $313 | $269 | $361 | $265 | $303 | $228 | $241 | $216 |
Pennsylvania | $336 | $332 | N/A | N/A | $217 | $505 | $234 | $371 | $229 | $654 | $150 |
Rhode Island | $417 | $414 | N/A | N/A | $467 | $515 | $367 | $436 | $201 | $576 | $361 |
South Carolina | $316 | $326 | N/A | $391 | $265 | N/A | $302 | $381 | $256 | N/A | $286 |
South Dakota | $332 | $394 | $337 | $314 | $245 | $627 | $228 | $313 | $192 | N/A | N/A |
Tennessee | $306 | $402 | N/A | $286 | $274 | $518 | $286 | $305 | $220 | $228 | $228 |
Texas | $337 | $457 | $404 | N/A | $272 | N/A | $323 | $389 | $240 | N/A | $207 |
Utah | $301 | $298 | $308 | $326 | $248 | $361 | $249 | $319 | $387 | N/A | $208 |
Virginia | $196 | $283 | N/A | N/A | $172 | N/A | $173 | $209 | $189 | N/A | $155 |
Vermont | $270 | $266 | N/A | N/A | $183 | $302 | $178 | $435 | $365 | N/A | $159 |
Washington | $255 | $295 | $310 | $247 | $214 | $333 | $178 | $268 | $208 | N/A | $189 |
West Virginia | $217 | $319 | N/A | N/A | $177 | $244 | N/A | N/A | $178 | N/A | $166 |
Wisconsin | $301 | $405 | $127 | $315 | $327 | $563 | $435 | $261 | $199 | N/A | $248 |
Wyoming | $267 | $365 | N/A | $256 | $291 | $166 | $266 | $367 | $192 | N/A | $232 |
Median | $306 | $378 | $308 | $326 | $257 | $441 | $266 | $328 | $228 | $311 | $208 |
On average, State Farm is in second place when it comes to cost, trailing USAA by less than $250. Geico follows closely behind with rates averaging only $340 more than State Farm.
Average State Farm Car Insurance Rates by Gender
Here’s how State Farm’s annual rates based on demographics compare to other top insurance carriers in the country. These averages are national, so where you live could affect your rates.
State Farm Car Insurance Monthly Rates by Gender
Marital Status, Gender, and Age | Average Monthly Premium |
---|---|
Married 35-year-old female | $174 |
Married 35-year-old male | $174 |
Married 60-year-old female | $157 |
Married 60-year-old male | $157 |
Single 17-year-old female | $497 |
Single 17-year-old male | $611 |
Single 25-year-old female | $195 |
Single 25-year-old male | $213 |
As with most other insurance companies, single, male teens pay more for car insurance than any other group.
Average State Farm Car Insurance Rates by Vehicle Make and Model
What vehicle you drive can also have an impact on your car insurance. Below, we show you what you can expect to pay for five specific models from State Farm and its competitors.
State Farm Car Insurance Monthly Rates vs. Top Companies by Make and Model
Make and Model | USAA | Geico | State Farm | American Family | Nationwide | Progressive | Farmers | Travelers | Allstate | Liberty Mutual | Grand Total |
---|---|---|---|---|---|---|---|---|---|---|---|
2015 Ford F-150 Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6 | $213 | $258 | $267 | $287 | $298 | $326 | $342 | $335 | $369 | $486 | $316 |
2015 Honda Civic Sedan LX with 2.0L 4cyl and CVT | $201 | $258 | $252 | $265 | $296 | $369 | $367 | $369 | $396 | $489 | $324 |
2015 Toyota RAV4 XLE | $205 | $258 | $269 | $278 | $293 | $304 | $311 | $365 | $360 | $486 | $310 |
2018 Ford F-150 Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6 | $238 | $278 | $292 | $291 | $281 | $330 | $366 | $368 | $458 | $499 | $340 |
2018 Honda Civic Sedan LX with 2.0L 4cyl and CVT | $202 | $279 | $266 | $310 | $280 | $378 | $398 | $389 | $448 | $557 | $347 |
2018 Toyota RAV4 XLE | $211 | $278 | $285 | $292 | $278 | $311 | $315 | $393 | $413 | $520 | $327 |
The good news is if you drive a 2015 Honda Civic Sedan, because of the vehicles listed, it has the cheapest rates.
Average State Farm Car Insurance Rates by Commute
If you drive more than 12,000 miles a year, you may also see your car insurance rates start to rise.
Company | 10 miles commute / 6,000 annual mileage | 25 miles commute / 12,000 annual mileage | |
---|---|---|---|
Allstate | $4,841.71 | $4,934.20 | |
American Family | $3,401.30 | $3,484.88 | |
Farmers | $4,179.32 | $4,209.22 | |
Geico | $3,162.64 | $3,267.37 | |
Liberty Mutual | $5,995.27 | $6,151.63 | |
Nationwide | $3,437.33 | $3,462.67 | |
Progressive | $4,030.02 | $4,041.01 | |
State Farm | $3,175.98 | $3,344.01 | |
Travelers | $4,399.85 | $4,469.96 | |
USAA | $2,482.69 | $2,591.91 |
State Farm customers can expect to pay the third-highest rates when it comes to their commute. Other factors, such as living in a rural or urban area, could also contribute to the cost of your insurance.
Average State Farm Car Insurance Rates by Coverage
You might think that having the lowest minimum coverage in your state is the best way to ensure you and your family are protected. But that’s not necessarily the case, because sometimes the difference in low to high coverage is less than you think.
Check out the table below to see the differences in coverage.
Car Insurance Monthly Average Rates by Coverage Level
Company | Low | Medium | High |
---|---|---|---|
Allstate | $386 | $408 | $428 |
American Family | $282 | $296 | $285 |
Farmers | $327 | $348 | $375 |
Geico | $250 | $268 | $286 |
Liberty Mutual | $484 | $505 | $530 |
Nationwide | $283 | $288 | $293 |
Progressive | $312 | $335 | $363 |
State Farm | $255 | $273 | $288 |
Travelers | $352 | $372 | $385 |
USAA | $201 | $212 | $223 |
With State Farm, the difference between low and high coverage is only $400. So, if you are considering upgrading to provide more coverage for your family, the cost is roughly $33 monthly.
Average State Farm Car Insurance Rates by Credit Score
Besides not being able to secure a car loan or a mortgage, poor credit can also have an impact on how much you pay for car insurance. The table below reflects what you’ll pay for car insurance if you have good, fair, or poor credit. Of course, these are estimates, and your rates may be different based on your situation.
Car Insurance Monthly Average Rates by Credit History
Company | Good | Fair | Poor |
---|---|---|---|
Allstate | $322 | $382 | $541 |
American Family | $224 | $265 | $373 |
Farmers | $307 | $325 | $406 |
Geico | $203 | $249 | $355 |
Liberty Mutual | $366 | $467 | $734 |
Nationwide | $244 | $272 | $341 |
Progressive | $303 | $330 | $395 |
State Farm | $182 | $238 | $413 |
Travelers | $339 | $362 | $430 |
USAA | $152 | $185 | $308 |
The average credit score in the U.S. is 675. If your credit score is lower than this, you may face increased rates on car insurance. In some states, poor credit can raise your rates by thousands of dollars. On average, with State Farm, poor credit can raise your rates by $2,700.
Average State Farm Car Insurance Rates by Driving Record
If you get a speeding ticket, have an accident, or get a DUI, your rates with State Farm will increase in most states. The table below shows rates for these three violations compared to the rate for a clean record.
Car Insurance Monthly Average Rates by Driving Record
Company | Clean Record | With 1 Speeding Violation | With 1 Accident | With 1 DUI |
---|---|---|---|---|
Allstate | $318 | $374 | $416 | $522 |
American Family | $225 | $252 | $311 | $361 |
Farmers | $289 | $340 | $377 | $393 |
Geico | $179 | $221 | $266 | $406 |
Liberty Mutual | $398 | $476 | $517 | $635 |
Nationwide | $229 | $260 | $284 | $379 |
Progressive | $283 | $334 | $398 | $331 |
State Farm | $235 | $266 | $283 | $303 |
Travelers | $287 | $355 | $358 | $479 |
USAA | $162 | $183 | $210 | $292 |
One accident with State Farm can raise your rates to over $1,100.
State Farm Insurance Discounts Available
State Farm has many discounts and affordability options available to its consumers. Depending on the auto insurance discount, you could save up to 50%.
Discount | Amount |
---|---|
Anti-lock Brakes | 5% |
Anti-Theft | 15% |
Claim Free | 15% |
Defensive Driver | 5% |
Distant Student | speak with your agent to learn more |
Driver's Ed | 15% |
Driving Device/App | 50% |
Good Credit | speak with your agent to learn more |
Good Student | 25% |
Homeowner | 3% |
Low Mileage | 30% |
Married | speak with your agent to learn more |
Military | speak with your agent to learn more |
Multiple Policies | 17% |
Multiple Vehicles | 20% |
Newer Vehicle | 40% |
Paperless/Auto Billing | $2 |
Passive Restraint | 40% |
Safe Driver | 15% |
Vehicle Recovery | 5% |
These discounts aren’t available everywhere, so be sure to ask your agent about what options you qualify for based on your situation.
State Farm, like most of the top-rated car insurance providers, has a usage-based car insurance program that monitors your mileage and driving behaviors for significant potential savings.
Its version is called Drive Safe & Save. You can earn up to a 30% discount via mobile app or, if you have an active FordPass or LincolnWay account, enroll your 2020 or newer Ford or Lincoln vehicle in Drive Safe & Save Connected Car.
Get a 10% initial participation discount just for signing up for State Farm’s Drive Safe & Save.
Dani Best Licensed Insurance Producer
See Drive Safe & Save’s mobile setup here:
Another excellent way to save money on car insurance with State Farm is their State Farm Steer Clear® Safe Driver Discount program for young drivers. It can save you hundreds, perhaps even thousands, on your car insurance premiums.
Here is an overview of the Steer Clear program:
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How State Farm Insurance Ranks Among Providers
The benefits of State Farm car insurance include their financial strength ratings, for the most part. The State Farm car insurance rating was recently downgraded by A.M. Best from A (Excellent) to B (Fair) after the company told the California Department of Insurance it would not be renewing 72,000 homeowner policies.
Here is the State Farm rating from others:
- Better Business Bureau: Since A+ is the highest rating the BBB gives, the Better Business Bureau views State Farm B- as better than most, but needs improvement.
- Moody’s: State Farm’s Aa1 rating falls into the P-2 category, which signifies that the entity’s obligations are of “high quality, and subject to very low credit risk.”
- S&P: State Farm has earned an AA, which represents “a strong capacity to meet financial commitments.”
NAIC Complaint Index
The National Association of Insurance Commissioners (NAIC) measures the number of complaints a company receives. The company’s complaint ratio is 0.57 and below the national average of 1.16. One thing to consider is that your experience may be better or worse than these ratings based on your insurance needs.
State Farm Car Insurance Customer Reviews
In looking at customer ratings for the app, we quickly discovered they were overwhelmingly positive — averaging 4.8 out of 5 stars in Apple’s App Store, and 4 out of 5 stars in Google Play. Many customers praised its options, ease of use, and convenience.
However, that doesn’t mean the app isn’t without criticism. In reviewing the comments, we found some common complaints included incompatibility with software updates, the inability to set reminders for bills, and some difficulty navigating multiple policies.
J.D. Power
Does State Farm have a good reputation for paying claims? Another essential rating to look at when searching for an insurance company is customer satisfaction levels. J.D. Power rates companies solely on customer satisfaction levels. State Farm received a score of 829 in providing a satisfying purchase experience, ranking it in the top 10 among auto insurers.
The numbers reveal that the State Farm customer rating index ranges from 820 to 853 points out of 1,000.
Satisfaction rates vary by state but customers in the Southwest region (Arizona, Colorado, Nevada, New Mexico, and Utah), rated State Farm the highest Power Circle Rating distinction — “Among the Best.”
Consumer Reports
Consumer Reports is an independent nonprofit company that utilizes customer insight to help inform purchase decisions. State Farm received a Consumer Reports reader score of 89 out of 100.
State Farm auto insurance ratings also include that State Farm is in the top three for best full coverage car insurance and cheap car insurance for young male drivers.
Read more:
- Allstate vs. State Farm Car Insurance Comparison
- State Farm vs. AAA Car Insurance Comparison
- State Farm vs. Liberty Mutual Car Insurance Comparison
- State Farm vs. Progressive Car Insurance Comparison
State Farm Car Insurance Review: The Bottom Line
We hope that our State Farm auto insurance review has shown you everything you need to know about State Farm, so you can decide for yourself whether they are a good neighbor or not.
One thing to consider is that everyone’s needs are different, and auto insurance rates can vary significantly based on individual factors. As thorough as this guide is, we still strongly suggest that you shop around with your personal details and specific vehicle information before you choose an auto insurance provider. You can simply enter your ZIP code to try our free quote comparison tool.
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Frequently Asked Questions
What are the benefits of choosing State Farm insurance?
Our State Farm insurance review found that State Farm auto insurance offers several benefits to its policyholders, including:
- Comprehensive Coverage: State Farm provides a wide range of insurance options, including auto, home, renters, life, and more, allowing you to protect various aspects of your life.
- Strong Financial Stability: State Farm is one of the largest and most financially stable insurance companies in the United States. This stability gives policyholders confidence that their claims will be paid promptly and efficiently.
- Network of Agents: State Farm has a vast network of local agents across the country. These agents can provide personalized assistance, answer your questions, and help you navigate the insurance process.
- Variety of Discounts: State Farm offers various discounts to help policyholders save on their premiums. These discounts may include multiple-policy car insurance discounts, safe driving discounts, and discounts for security features in your home.
- Mobile App and Online Tools: State Farm provides a user-friendly mobile app and online tools that allow you to manage your policies, file claims, make payments, and access important documents conveniently.
- Claims Service: State Farm has a reputation for efficient and reliable claims handling. Their claims representatives strive to provide prompt and fair settlement of claims, ensuring a smooth and hassle-free experience for policyholders.
- Financial Products and Services: State Farm offers a range of financial products, including banking, investment, and retirement options. This comprehensive approach allows you to access multiple services under one roof.
Are there any additional benefits to choosing State Farm insurance?
Yes, State Farm insurance reviews found that apart from the aforementioned benefits, State Farm also offers the following advantages:
- Community Involvement: State Farm has a long-standing commitment to giving back to communities. The company actively participates in charitable initiatives, disaster relief efforts, and community development programs.
- Personalized Policies: State Farm understands that each policyholder has unique needs. Their agents work closely with individuals to customize insurance policies that align with their specific requirements, ensuring adequate coverage and peace of mind.
- Educational Resources: State Farm provides educational resources and tools to help policyholders make informed decisions about their insurance coverage. These resources include articles, guides, and online calculators to assist in understanding insurance terminology and determining appropriate coverage levels.
- Good Neighbor Service: State Farm emphasizes its “Good Neighbor” philosophy, aiming to be a reliable and helpful resource for policyholders. Their commitment to personalized service and building long-term relationships sets them apart from other insurance providers.
Does State Farm offer any additional perks or benefits for policyholders?
Yes, State Farm provides several additional perks and benefits to enhance the overall insurance experience. Some of these perks include:
- Steer Clear Program: State Farm offers the Steer Clear Program, which is designed for young drivers to help them develop safe driving habits and earn discounts on their auto insurance premiums.
- Drive Safe & Save: State Farm’s Drive Safe & Save program utilizes telematics technology to monitor driving habits. By participating in the program, policyholders may be eligible for discounts based on their safe driving behaviors.
- Roadside Assistance: State Farm offers optional roadside assistance coverage that provides 24/7 emergency assistance for services such as towing, fuel delivery, jump-starts, and lockout assistance.
- Rental Car and Travel Expenses Coverage: Depending on the policy, State Farm may provide coverage for rental cars or reimbursement for travel expenses incurred if your insured vehicle is involved in an accident and requires repairs.
- Home Alert Protection: State Farm offers home insurance policyholders the option to add Home Alert Protection, which provides discounts on home security systems and monitoring services.
- Mobile Home Endorsement: For mobile home owners, State Farm offers a mobile home endorsement that provides specialized coverage options specifically tailored to mobile homes and their unique risks.
Can I get copies of my State Farm ID card online?
Yes. You can view, print, and email a new insurance card, or request a mailed ID card through the State Farm website. You can also pull up your ID through the mobile app.
Does State Farm cover flooding?
If your car floods, it will be covered under State Farm’s comprehensive coverage. Read more in our article, Does car insurance cover water leaks?
How much liability car insurance should I get with State Farm?
The minimum amount of liability coverage you’re legally required to have varies by state. You may also decide to purchase liability coverage beyond your state’s minimum requirements. The State Farm agent who handles your policy will be able to advise you on your state’s minimum requirements.
Does State Farm coverage include windshield repair?
You’ll need to check your State Farm auto insurance policy to verify whether you’re covered for repairs. That being said, State Farm covers both windshield repairs and replacements, depending on the extent of the damage. Your deductible may apply.
Check out our article for more details: What states have full glass coverage?
Can I make payments to State Farm online?
Yes, you can pay your State Farm bill online through their website, and you can even pay using a phone number, policy number, payment plan account number, or key code.
Can I bundle multiple insurance policies with State Farm?
Yes, State Farm offers the option to bundle multiple insurance policies, which can lead to potential cost savings and convenience.
By bundling your auto, home, renters, or other insurance policies with State Farm, you may qualify for a multi-policy discount. This discount is applied when you have two or more qualifying policies with State Farm.
Does State Farm offer any other discounts to policyholders?
Yes, State Farm auto insurance reviews found that in addition to the multi-policy (bundling) discount, other common discounts State Farm offers include safe driving discounts, good student discounts, and discounts for installing safety devices in your car or home.
Does State Farm have accident forgiveness?
Yes, but there are stipulations. State Farm accident forgiveness at only applies to customers who have been accident-free at State Farm for nine years.
Will State Farm Drive Safe and Save penalize me for bad driving?
Since the app records safe driving habits, some people worry that bad driving will hike up their rates. While bad driving may result in you not getting a discount one month, the app only subtracts from your costs, and it doesn’t add on.
How does the State Farm insurance app work?
State Farm has a mobile app designed to help manage your accounts, get roadside assistance, file a claim, and more.
How can I file an insurance claim with the State Farm company?
To file an insurance claim with State Farm, you can follow these general steps:
- Contact State Farm: Notify State Farm of the incident as soon as possible. You can reach out to your local State Farm agent, call the State Farm claims department, or file a claim online through their website or mobile app.
- Provide Information: Be prepared to provide relevant details about the incident, such as the date, time, location, description of what happened, and any other supporting information requested by the claims representative.
- Document the Loss: Take photos or videos of the damage, if applicable. Keep any receipts, invoices, or other documentation related to the loss or expenses incurred.
- Cooperate with the Claims Process: State Farm will assign a claims representative who will guide you through the process. They may request additional information, arrange for an appraisal, or schedule an inspection, depending on the nature of the claim.
- Claim Resolution: Once the claims process is complete, State Farm will work to settle the claim based on the terms and coverage outlined in your insurance policy. They will provide you with updates on the status of your claim and address any questions you may have.
See full details in our article, How do you file a car insurance claim?
Why would I need to cancel my State Farm policy, and how do I do it?
Here are some reasons why you may want to cancel State Farm auto insurance:
- Selling a car and not replacing it
- Storing a classic or antique vehicle
- A teen is heading to college and will no longer be driving the vehicle
- A vehicle has been paid off and no longer requires comprehensive coverage
State Farm allows you to cancel your policy by phone, by mail or fax, and in person.
When you’re looking for a new car insurance provider, you can get a more affordable rate by comparison shopping. Enter your ZIP code into our free quote comparison tool to get quotes from top companies.
Is it better to own an Allstate or State Farm?
When it comes to car insurance rates, it’s better to own a State Farm car insurance policy. Across the board, State Farm auto insurance rates are lower than Allstate’s.
Is State Farm a good car insurance company?
State Farm is a good insurance company that receives high marks for customer service, claims handling, and financial stability.
Is State Farm auto insurance expensive?
State Farm offers cheap insurance for good drivers. On average, a full coverage State Farm auto insurance policy costs $138 per month.
Is State Farm good at paying claims?
State Farm customer service reviews report positive experiences when filing claims for auto accidents, property damage, or other covered events.
Does State Farm car insurance cover rental cars?
State Farm car insurance offers rental car reimbursement coverage as an optional add-on to their auto insurance policies.
Does State Farm have car insurance?
Yes, State Farm provides various types of auto insurance coverage, including liability, collision, comprehensive, uninsured/underinsured motorist, and optional add-ons such as rental car reimbursement and roadside assistance.
Does State Farm have travel insurance?
State Farm offers travel insurance products such as trip cancellation, travel medical, and rental car insurance.
Does State Farm provide health insurance?
While State Farm is primarily known for its auto, home, and life insurance products, it does not offer health insurance directly.
How to get car insurance with State Farm?
You can visit the website to get State Farm car insurance quotes online. You may also contact an agent directly.
Is State Farm reliable?
State Farm is considered a reliable insurance company with a strong financial stability and reputation for customer service.
Can I buy State Farm insurance online?
Yes, you can purchase State Farm insurance online through their website or mobile app.
Can you cancel State Farm car insurance anytime?
You can cancel your car insurance with State Farm at any time by contacting your agent or customer service representative.
Does State Farm accept American Express?
State Farm may accept American Express for payment of insurance premiums, but it’s best to confirm with your State Farm agent.
Does State Farm check credit for car insurance?
State Farm may check your credit score as part of the underwriting process when providing car insurance quotes.
How long has State Farm been in business?
State Farm has been in business since 1922, making it one of the oldest and largest insurance companies in the U.S.
Does State Farm have an app?
Yes, State Farm offers a mobile app that allows you to manage your insurance policy, file claims, make payments, and more.
Does State Farm offer a discount for paying in full?
State Farm does not offer a discount for paying insurance premiums in full.
How to lower my car insurance with State Farm?
You can potentially reduce your car insurance premium by taking advantage of discounts, adjusting coverage limits, and maintaining a safe driving record.
How is State Farm insurance rated?
The State Farm insurance rating with A.M. Best for financial strength is a B. The company received an AA rating from S&P Global.
Is State Farm cheaper than American Family?
State Farm auto insurance quotes are generally lower than American Family except for drivers with poor driving record.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
JSmithElCajon
Incompetent [REDACTED NAME] [REDACTED NAME] of State Farm
SJF
Loyalty doesn’t pay with Statefarm they could careless
Chopper407
Two thumbs down for the claims department.
trailrunner87
Excellent Insurance Experience with State Farm
Ann_Smith
To "Insure" a downfall
romomy
Ridiculous Rate Increases
Jen Anders
State Farm Insurance review
LHN
Personal article policy
Love2sing_
Customer Concerns or Customer Loyalty Mean Nothing
Amb13
Rather have no insurance