State Farm Car Insurance Review for 2025 [See if They’re a Good Fit]

Check our State Farm car insurance review for the difference between rates and coverage options. Rates start at $30/month for good drivers and excellent customer service. Our review covers competitor comparisons and factors like driving records to help you decide if State Farm meets your insurance needs.

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Laura Kuhl

Insurance Content Team Lead

Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business own...

Written by
Laura Kuhl
Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ach...

Reviewed by
Schimri Yoyo

Updated August 2025

Use our State Farm car insurance review to explore rates starting at just $30/month for good drivers, along with comprehensive coverage options.

State Farm Car Insurance Review

While State Farm excels in customer service and offers a wide variety of benefits, rates can vary based on factors like driving history, vehicle type, and location.

State Farm Insurance Rating

Rating CriteriaState Farm: State Farm Car Insurance Review
Overall Score4.3
Business Reviews5.0
Claim Processing4.3
Company Reputation4.5
Coverage Availability5.0
Coverage Value4.2
Customer Satisfaction4.1
Digital Experience4.5
Discounts Available5.0
Insurance Cost3.9
Plan Personalization4.5
Policy Options3.8
Savings Potential4.3

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Learn more about State Farm’s discounts for safe driving and bundling, and how it compares to competitors in cost and coverage. Compare car insurance by coverage type to understand the differences in policies and determine if State Farm is the right choice for you.

Stop overpaying for car insurance. Enter your ZIP code into our free quote comparison tool, and we’ll give you quotes from the best providers in your area.

Here's what you need to know

  • Rates for good drivers start at $30/month with competitive coverage options
  • Discounts available for safe driving and bundling policies with State Farm
  • State Farm excels in customer service but may not be the best choice for all drivers

Table of Contents

State Farm Insurance Car Insurance Cost

State Farm offers reliable customer service and a simple claims process nationwide. However, for cheap car insurance, it may not be the best choice for inexperienced drivers or those with poor driving records.

State Farm also doesn’t have some discounts available at competitors, such as for federal employees and green vehicles. The key to getting the best rates is comparing quotes based on your individual circumstances and budget.

State Farm Car Insurance Rates: How Age and Coverage Impact Premiums

State Farm’s car insurance rates depend on age, gender, and coverage level. This breakdown shows how premiums vary between minimum and full coverage for different age groups, with rates generally decreasing for drivers 30 and older. Use this guide to better understand State Farm’s rate structure and find the best full coverage car insurance option for your needs.

State Farm Insurance Monthly Rates by Age, Gender, & Coverage Level

Age & GenderMinimum CoverageFull Coverage
Age: 16 Female$124$311
Age: 16 Male$146$349
Age: 18 Female$101$229
Age: 18 Male$125$284
Age: 25 Female$39$101
Age: 25 Male$42$111
Age: 30 Female$36$94
Age: 30 Male$39$103
Age: 45 Female$33$86
Age: 45 Male$33$86
Age: 60 Female$30$76
Age: 60 Male$30$76
Age: 65 Female$33$84
Age: 65 Male$33$84

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As you can see, young drivers tend to pay more for coverage. While 16-year-old males pay $349 for full coverage while their female counterparts pay $311.

As people age, their rates decrease; individuals aged 30 and above pay as low as $76 for full coverage, regardless of gender. The breakdown provided offers a clear overview of how premiums change with age and coverage type, helping to explain the cost differences among drivers.

To determine what coverage you need with State Farm, start by evaluating your driving habits, vehicle value, and location. For example, drivers in high-traffic areas may benefit from full coverage, which can cost around $100-$150 per month, compared to minimum coverage, which generally costs about $30 per month. The right choice depends on how much protection you need and the risks associated with your driving environment.

Daniel Walker Licensed Insurance Agent

Knowing how age and coverage type factor into your monthly premiums with State Farm will help you choose the best policy to suit your needs. Based on this rate table, you will gain a better understanding of how your demographic factors into the cost of your auto insurance. Be sure to compare coverage options and rates to find the best deal for your situation.

State Farm Rates by Driving History

The premium rates are lower for drivers with a clean record, while the rates are high for drivers with violations. A sure way to get cheap car insurance after a DUI is to compare the rates from several insurers.

This table shows State Farm’s monthly rates based on driving record, comparing premiums for minimum and full coverage. The drivers who have had a clean record, therefore, face the lowest rate inclusive of the ones with a case of DUI. This is telling of how driving history effects each different cost.

Clean Driving Record: State Farm Car Insurance Review

Knowing how your driving record affects car insurance is an important aspect in decision-making. Use this breakdown to understand how at-fault accidents or DUIs will increase rates, and a clean driving record will yield savings over time.

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State Farm vs. Top Competitors: Car Insurance Rates by Age & Gender for Drivers 16-18

This article compares State Farm’s rates with top competitors in the market, including major insurers like Geico, Allstate, and Progressive, for drivers aged 16 to 18. It highlights premium variations based on age and gender, helping you choose the best provider.

State Farm Car Insurance Monthly Rates vs. Top Competitors by Age & Gender

Insurance CompanyAge 16 FemaleAge 16 MaleAge 18 FemaleAge 18 Male
Allstate TablePress Logo$280$300$260$290
American Family TablePress Logo$260$280$250$270
Farmers TablePress Logo$250$270$240$260
Geico TablePress Logo$230$250$220$240
Liberty Mutual TablePress Logo$290$310$270$300
Nationwide TablePress Logo$240$260$230$250
Progressive TablePress Logo$260$280$250$270
State Farm TablePress Logo$250$270$240$260
Travelers TablePress Logo$270$290$260$280
USAA TablePress Logo$220$240$210$230

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This table compares monthly car insurance rates from State Farm with those of top competitors for drivers aged 16 to 18. It highlights premium differences by age and gender, helping you see how State Farm fares against providers like Geico, Allstate, and Progressive. Compare monthly car insurance rates to make the best decision for your coverage needs.

State Farm: State Farm Car Insurance Review

Keep this comparison in mind to understand how the rates from State Farm compare with other major insurers for young drivers. Take this home and find the best car insurance deal for your age and gender.

Essential Vehicle and Personal Protection Coverage for Your Car and Well-Being

Key car insurance coverages that protect your vehicle and well-being include vehicle protection and personal protection. Vehicle protection covers damages from accidents, theft, or even natural disasters. Personal protection covers medical expenses and other crucial costs, providing financial security when needed.

Vehicle protection covers the damages to your car, including collision, comprehensive, and uninsured motorist coverage that will keep you financially protected against any accidents, theft, or natural disasters.

  • Collision Car Insurance: Provides coverage for repairs or replacement of your vehicle after an accident, regardless of who is at fault.
  • Comprehensive Car Insurance: It basically covers the cost of damages to your vehicle when such damages are not considered a collision, such as storm damage, vandalism, hitting an animal, among many others.
  • Emergency Road Service:This offers emergency roadside assistance for everyday problems to get you back on the road, covering things like flat tire changes, jump starts, fuel deliveries, and lockout.
  • Rental Car Reimbursement Coverage: This pays for the cost of a rental car while your vehicle is being repaired from a covered loss, ensuring you remain mobile during the repair process.
  • Mechanical Breakdown Coverage: Covers repairs for vehicle components that fail due to mechanical issues, excluding normal wear and tear or improper maintenance.

Understanding car accidents, personal protection is a type of car insurance coverage designed to safeguard you and your passengers in the event of an accident. Typically, this includes medical expenses, lost wages, and other necessary costs resulting from injuries sustained in a car accident, providing the support you need during such situations.

Medical Payments Coverage: State Farm Car Insurance Review

It typically includes medical payments coverage, personal injury protection (PIP), and other benefits to cover medical expenses, lost wages, and other related costs.

  • Medical Payments Coverage: Covers medical payments for you and your passengers in the event of an accident, regardless of who’s at fault.
  • Personal Injury Protection: Pays your medical expenses for you and passengers in your car, plus your funeral costs and lost wages, regardless of who is at fault.
  • Umbrella Policy: Extends your liability coverage beyond the limits of your standard auto or home policies, offering additional protection for various types of claims.

You can protect your vehicle and health in case of any accident by adding both vehicle protection and personal protection coverage.

Personal Injury Protection: State Farm Car Insurance Review

Whether you need coverage for vehicle repairs, roadside assistance, or medical expenses, these options offer peace of mind and financial security in a variety of scenarios.

State Farm Insurance Review: Customer Satisfaction, Business Practices, and Pricing Insights

State Farm Insurance business ratings and consumer reviews highlights various performance metrics. J.D. Power gives State Farm a score of 877/1,000 for above-average customer satisfaction, while Consumer Reports rates it 75/100 based on positive feedback.

State Farm Insurance Business Ratings & Consumer Reviews

AgencyState Farm: State Farm Car Insurance Review
J.D. Power: State Farm Car Insurance ReviewScore: 877 / 1,000
Above Avg. Satisfaction
BBB: State Farm Car Insurance ReviewScore: C-
Below Avg. Business Practices
Consumer Reports:State Farm Car Insurance ReviewScore: 75/100
Positive Customer Feedback
NAIC:State Farm Car Insurance ReviewScore: 0.78
Fewer Complaints Than Avg.
A.M. Best:State Farm Car Insurance ReviewScore: B
Fair Financial Strength

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However, the BBB gives State Farm a C- for below-average business practices, and the NAIC reports more complaints than average with a score of 0.78. A.M. Best rates State Farm’s financial strength as fair with a B score.

If you’re searching State Farm Google reviews, Yelp users from Austin, TX, praise their comprehensive coverage and professional service. The user highlighted how State Farm provided better insurance at a more affordable price compared to Texas Farm Bureau, offering peace of mind with complete coverage for various risks like tree falls.

After switching to State Farm, I was impressed with their exceptional customer service and easy claims process, but my rates ended up being higher than anticipated because of my past driving history, making me realize the importance of comparing quotes regularly.

Chris Tepedino Feature Writer

State Farm scores well in customer satisfaction but faces challenges with business practices and complaints. While its financial strength is fair, bundling home and car insurance can help secure affordable rates. Consider your location and explore the best companies for bundling home and car insurance to make an informed choice.

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State Farm Car Insurance: Affordable Rates and Reliable Coverage

State Farm provide some of the lowest auto insurance quotes starting as low as $30/month for good drivers, and has superb customer service and easy claim process. It has wide coverage options, but rates can be variable based on your driving history, location and other factors that affect car insurance rates.

State Farm offers various discounts, such as multi-policy and safe driving savings, though it may not include some perks that competitors provide. While it has faced some challenges with its business practices, it continues to be a dependable option for many drivers. Be sure to compare quotes to find the best deal that suits your specific needs.

Finding affordable car insurance doesn’t have to be complicated. Just enter your ZIP code into our free comparison tool to uncover the lowest rates in your area.

Frequently Asked Questions

How much does State Farm car insurance cost on average?

The cost of State Farm car insurance varies widely depending on your driving history, vehicle, location, and coverage options. On average, good drivers might pay around $30 per month for a minimum coverage policy.

How can I get a State Farm auto insurance quote?

To get a free auto insurance quote with State Farm, you can either go through their site, pick up your phone and call a local agent, or download your app. To obtain an accurate quote, be prepared to provide information about your car, driving history and coverage preferences.

To find the best comprehensive car insurance quotes, just enter your ZIP code into our free comparison tool today.

What factors affect my State Farm auto insurance quote?

Your State Farm auto insurance quote is determined by your driving record, age, car type, and coverage level. The average car insurance rates by age and gender may also impact your premium, as younger drivers tend to be charged higher auto insurance rates. Safe driver and policy bundling discounts may also lower your quote even more.

Can I manage my State Farm insurance online?

Yes, State Farm offers an accessible online portal for you to manage your policy and pay bills, file claims, and more. You may also download their mobile app for more convenience.

How much does State Farm car insurance cost per month?

Like most car insurance carriers, State Farm rates are not set and adjust based on your driving history, age, state and selected coverage. Pricing will vary, but good drivers can expect to pay about $30 a month on average, so you should get a quote for a better idea of how much you can save.

Do State Farm employees receive discounts on car insurance?

Yes, State Farm employees may be eligible for special discounts on car insurance as part of their benefits package. These discounts, including some of the best car insurance discounts, can vary depending on the location and other company-specific factors.

What is the cost of full coverage insurance with State Farm?

The cost of full coverage insurance with State Farm depends on several factors, including your driving history, vehicle type, and location. On average, full coverage can range from $100 to $150 per month, but exact rates are best determined through a quote based on your specific details.

Will State Farm insure a car that isn’t in my name?

State Farm may insure a vehicle that is not registered in your name, but the policyholder must have insurable interest in the car. This typically means you need to have some financial stake in the vehicle, such as being a family member or having the car as part of a lease agreement.

What does comprehensive coverage from State Farm include?

State Farm’s comprehensive auto insurance covers non-collision incidents like theft, vandalism, weather damage, and animal collisions. It also offers best anti-theft car insurance discounts for vehicles with anti-theft devices, helping lower premiums.

Is State Farm expensive compared to other auto insurance providers?

Although State Farm’s rates are competitive, they depend on information such as your driving history, age, and location. But State Farm has among the lowest rates for drivers with a clean record. That being said, it is always a good idea to shop around for quotes from multiple providers to make sure you’re getting the best deal possible.

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