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State Farm Insurance

State Farm insurance coverage options include homeowners, auto, life, and health insurance. The company is a top U.S. insurer, and State Farm customer service historically has good ratings. State Farm car insurance costs about $166/mo for good drivers, so compare rates to find cheap State Farm auto insurance.

UPDATED: Nov 22, 2024Fact Checked
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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →
Written by Jeffrey Johnson

Insurance Lawyer

Reviewed by:

Mary Martin

Published Legal Expert

Mary Martin has been a legal writer and editor for over 20 years, responsible for ensuring that content is straightforward, correct, and helpful for the consumer. In addition, she worked on writing monthly newsletter columns for media, lawyers, and consumers. Ms. Martin also has experience with internal staff and HR operations. Mary was employed for almost 30 years by the nationwide legal publi...

Full Bio →
Reviewed by Mary Martin

Published Legal Expert

UPDATED: Nov 22, 2024

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UPDATED: Nov 22, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

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UPDATED: Nov 22, 2024Fact Checked
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State Farm Insurance

Average Monthly Rate For Good Drivers

$166

A.M. Best Rating:

B

Complaint Level:

Low

Pros

  • Wide coverage options
  • Reliable customer service
  • Strong financial ratings
  • Many discounts available
  • Easy-to-use mobile app

Cons

  • Higher premiums.
  • Discounts vary by state.
  • No GAP insurance.

State Farm insurance offers excellent customer service, various coverage options, good financial strength, and cheap rates, which makes the company stand apart from competitors. While State Farm is an excellent choice for many people, it’s important to remember that different insurance companies may specialize in various types of insurance or have a stronger presence in certain regions, so it’s always a good idea to shop around and get a State Farm insurance quote.

What You Should Know About State Farm Insurance

Founded in 1922 by George Jacob Mecherle in Illinois as a mutual auto insurance company, State Farm was originally a single-line auto insurance company. Now the company has over 100 services and products and insures more homes and cars than any other insurance company in the United States. State Farm auto insurance costs $166 on average for full coverage auto insurance. https://youtu.be/YIwW2oAhDOw   There are many factors to consider when shopping for car insurance. State Farm insurance ranks #44 on the Fortune 500 list, with 65,000 employees and 18,000 agents. It has over 80 million policies and accounts, and its bank has over $15 billion in assets.

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State Farm Insurance Customer Service

State Farm insurance stands out because of its focus on customer service. The company has a vast network of agents spread across the country, so policyholders can easily find an agent near them to help with any questions or concerns. It is also important to note that State Farm operates as an agency-built company, meaning the company relies on a network of independent agents to sell and service its insurance policies. This business model gives State Farm insurance a unique advantage over its competitors, allowing the company to have a local presence in communities across the United States. However, you can always save money by comparing online car insurance quotes.

State Farm Insurance Financial Strength

When it comes to insurance companies, financial strength is crucial. After all, you want to make sure that the company you’re entrusting with your protection has the resources to pay out claims in the event of a disaster. And that’s exactly what makes State Farm stand out from the rest. State Farm is financially strong and well-capitalized, with deep pockets and a solid financial foundation. This gives policyholders peace of mind, knowing that their insurance provider has the resources to pay out claims even in the event of a major catastrophe. Think of it this way: the foundation is the most crucial part of building a house. Without a solid foundation, the house can’t stand. Similarly, an insurance company can’t stand the test of time without a strong financial foundation. So, State Farm has invested in building a solid financial foundation to ensure they can weather any storm and be there for their customers when they need them the most. However, State Farm insurance doesn’t just have a strong financial foundation — they also have a long-term vision. They have been around for over a century and plan to be around for over a hundred more. This is why they are constantly working to maintain their financial strength and stability, to continue to provide the best possible service to their policyholders for years to come.

State Farm Insurance Coverage Options

You can buy various State Farm insurance coverage options. Depending on what you’re looking for, State Farm may have multiple insurance products that meet your needs. If you purchase more than one insurance policy with State Farm, you could stop overpaying for auto and home insurance by bundling policies. Take a look at the lists below to find out how much insurance coverage you need:

State Farm Auto Insurance

One of State Farm’s most popular insurance products is its auto insurance policies. State Farm offers various auto insurance coverage, including:

The company also offers add-on coverage options designed to allow policyholders to customize their policies to meet their unique needs. Some of the company’s most popular add-on auto insurance coverage options include:

  • Rental car reimbursement
  • Emergency roadside assistance
  • Pay-per-mile insurance
  • Usage-based coverage
  • Rideshare insurance

State Farm offers auto insurance for standard vehicles as well as classic and vintage cars. Additionally, policyholders can purchase auto insurance for RVs, ATVs, and other vehicles.

State Farm Homeowners Insurance

State Farm offers coverage for homeowners, condo unit owners, manufactured homeowners, renters, farms and ranches, and small business owners. Homeowners insurance doesn’t cover bodily injury or property damage by uninsured peoples, business pursuits, professional services, or ownership, operation, use, or maintenance of motor vehicles, aircrafts or certain watercrafts.

State Farm Health Insurance

State Farm offers multiple health plans including: individual medical coverage, Medicare supplemental insurance, Medicare part D coverage, and supplemental health insurance. The company also offers supplemental health insurance for things like: unexpected child care, private room fees, and extra phone calls to friends/relatives. State Farm offers disability income insurance, mortgage disability income insurance, and individual credit disability insurance. They also offer a long-term care insurance policy.

State Farm Life Annuity Insurance

State Farm offers term life, whole life, universal life, and variable universal life policies. The company also offers small business life insurance with business continuation, key employees, employee benefits, and key employee incentives.

State Farm Specialty Insurance

State Farm offers insurance for various sports and leisure vehicles and identity protection.

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State Farm Insurance Rates Breakdown

When compared to other companies, State Farm typically offers full coverage auto insurance for around $166 per month for good drivers. Full Coverage Auto Insurance Average Monthly Rates for the Top Companies

Insurance CompanyMinimum Coverage RatesFull Coverage Rates
Geico$290$80
State Farm$408$86
Travelers$471$99
Progressive$484$105
National Average$541$120
American Family$582$117
Nationwide$588$115
Allstate$605$160
Farmers$674$139
Liberty Mutual$771$173
Compare RatesStart Now →
However, teenage car insurance is much more expensive. Expect State Farm auto insurance for teens to cost about $330 monthly. Learn more about average auto insurance rates by age and gender with State Farm. State Farm insurance rates aren’t always the cheapest available, but its rates are fairly competitive and affordable. Read on to learn more about why auto insurance rates go up for certain groups.

State Farm Insurance Discounts Available

State Farm insurance discounts are a great way to save on insurance, and State Farm has quite a few auto insurance discounts available. Some of the company’s most popular discounts include:

  • Good driving
  • Good student
  • Accident-free
  • Drive Safe and Save
  • Multi-car
  • Bundling
  • Safety features
  • Young driver education
  • Student away at school
  • Passive restraints

If you’re a safe driver, State Farm Drive Safe and Save, the company’s usage-based car insurance, could save you up to 30% on your State Farm car insurance rates. Learn more about State Farm’s telematics insurance coverage. https://www.youtube.com/watch?v=FH5aH1E3HUc

Availability varies by state, so you’ll need to check the State Farm auto insurance discount list with a representative if you’re interested in buying a policy. Certain discounts with the company may help you save up to 30% on your auto insurance coverage.

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Frequently Asked Questions

Are customers happy with State Farm insurance?

State Farm tops the charts for satisfaction with customer service auto insurance coverage options. Customers with State Farm cite the company’s excellent customer service department as one main reason for purchasing a policy.

Individuals with bad credit or multiple accidents on their driving records may pay higher-than-average rates for auto insurance with the company.

Where can I get State Farm insurance?

State Farm coverage is available in all 50 states and Washington, D.C. Interested individuals can purchase insurance coverage with State Farm online, over the phone, or in-person with a State Farm agent.

Does State Farm insure homes with pitbulls?

State Farm doesn’t restrict home insurance policies based on dog breeds. Instead, the company considers each dog’s bite history to determine whether it will offer coverage.

What is the State Farm insurance A.M. Best rating?

State Farm insurance has an A+ rating from A.M. Best, indicating strong financial strength. So, you don’t have to worry if you need to file a State Farm claim.

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Written by:

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →
Written by Jeffrey Johnson

Insurance Lawyer

Reviewed by:

Mary Martin

Published Legal Expert

Mary Martin has been a legal writer and editor for over 20 years, responsible for ensuring that content is straightforward, correct, and helpful for the consumer. In addition, she worked on writing monthly newsletter columns for media, lawyers, and consumers. Ms. Martin also has experience with internal staff and HR operations. Mary was employed for almost 30 years by the nationwide legal publi...

Full Bio →
Reviewed by Mary Martin

Published Legal Expert

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Reviews
for State Farm Insurance

4.09 (17,759 reviews)
1
September 13, 2024

JSmithElCajon

Incompetent [REDACTED NAME] [REDACTED NAME] of State Farm

[REDACTED NAME] [REDACTED NAME] of State Farm El Cajon, CA is a flagrantly incompetent insurance agent. I’ve had State Farm car insurance for 15 years and have decided to cancel my insurance with them because of his mismanagement of my account. He overcharged me and then his company sent texts and emails stating my car insurance would be imminently cancelled. When I called to address this [REDACTED NAME] [REDACTED NAME] said this was an erro...
[REDACTED NAME] [REDACTED NAME] of State Farm El Cajon, CA is a flagrantly incompetent insurance agent. I’ve had State Farm car insurance for 15 years and have decided to cancel my insurance with them because of his mismanagement of my account. He overcharged me and then his company sent texts and emails stating my car insurance would be imminently cancelled. When I called to address this [REDACTED NAME] [REDACTED NAME] said this was an error and then charged me a made up number less than the original amount. When I explicitly asked if I owed anything else, I was told I did not. Likely to get me off the phone so he could return to not doing his job. I still continued to receive impending cancellation notices which [REDACTED NAME] [REDACTED NAME] kept apologizing for. Shows how organized that office is. [REDACTED NAME] [REDACTED NAME] then proceeded to overcharge me the original amount on my next bill, I presume thinking I wouldn’t notice. He then insisted that this is the amount I’m supposed to pay. The inconsistency and the lying is inexcusable. I have never spent so much time emailing and calling an insurance company. If [REDACTED NAME] [REDACTED NAME] knew how to do his job like all the other agents I have worked with over years then I would have stayed loyal to State Farm. He should be fired by State Farm.
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1
July 11, 2024

SJF

Loyalty doesn’t pay with Statefarm they could careless

I’ve been with StateFarm for 39 years. It is the ONLY Auto insurance I have ever had. I personally have no tickets and no accidents however 2 other people in my household have had one car totaled and a RV fire. As a result apparently Statefarm looks at it as the whole household. My policy has been randomly canceled. Now there’s some loyalty for ya huh? I did nothing!!!! NOTHING yet because other members in my household had claims MY policy ge...
I’ve been with StateFarm for 39 years. It is the ONLY Auto insurance I have ever had. I personally have no tickets and no accidents however 2 other people in my household have had one car totaled and a RV fire. As a result apparently Statefarm looks at it as the whole household. My policy has been randomly canceled. Now there’s some loyalty for ya huh? I did nothing!!!! NOTHING yet because other members in my household had claims MY policy gets canceled. 39 years wow really? No wonder they got downgraded they have no good business sense. That is just a dumb way to loose revenue not gain. Unbelievable. And Gigi doesn’t care she is insensitive to clients regardless. She said “hey this is how I pay my bills” wow so just cancel people who have done NOTHING WRONG ya that’s fantastic for gaining revenue and building a brokerage. Good Job Gigi!! You should be proud for canceling a 39 year loyal customer who ended up going elsewhere getting the same coverage for cheaper. So glad you have no idea how to maintain revenue and build a solid business. Bravo to ya! Let’s also not forget you brought up a claim my husband had. And I had to remind you he has been dead for 8 years. Yep good job! Your response of trying to point out they are my family members is ridiculous. The bottom line is MY policy was canceled for something others did family or not. I did NOT deserve that kind of treatment after 39 years of loyalty. You as an agent should have done something. I’ve spoken to a couple other agents and it appears you’re just not really sure how to get things done for your clients.
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1
February 5, 2024

Chopper407

Two thumbs down for the claims department.

State Farm appears to be riding high with their NFL player commercials all the while treating their customers with little to no valve. State Farm’s claim department is cheap and unorganized. You’ll get a different answer to the same question every time you talk to a different claim specialist. When it comes to getting your car fixed expect to have to pay for repairs. I have full coverage and had damage done to my car. When I took it to a shop...
State Farm appears to be riding high with their NFL player commercials all the while treating their customers with little to no valve. State Farm’s claim department is cheap and unorganized. You’ll get a different answer to the same question every time you talk to a different claim specialist. When it comes to getting your car fixed expect to have to pay for repairs. I have full coverage and had damage done to my car. When I took it to a shop recommended by the dealer the State Farm adjuster undercut the shops prices left and right leaving me with a $1167.00 bill. Then they give me bs excuses why I’m out of pocket. I can only imagine what they would do if my house was damaged from a Hurricane or wind storm. This has been a terrible experience for my wife and I and will be switching to a different insurance company in the near future.
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5
October 28, 2023

trailrunner87

Excellent Insurance Experience with State Farm

I unfortunately hit a deer and my front end was damaged to a small extent. State Farm made my car repair and rental car process seamless. Since there was no one involved in my accident besides myself, I decided to try their app to log my claim and I had a very easy experience. I didn't have to submit photos since it was a deer that caused it and it gave me next steps clearly and quickly. It gave me a list of collision centers and rental car pla...
I unfortunately hit a deer and my front end was damaged to a small extent. State Farm made my car repair and rental car process seamless. Since there was no one involved in my accident besides myself, I decided to try their app to log my claim and I had a very easy experience. I didn't have to submit photos since it was a deer that caused it and it gave me next steps clearly and quickly. It gave me a list of collision centers and rental car places, let me know what my rental car allowance was since I had recently added that to my policy, and let me know my deductible clearly at the end. I did everything through the app. Within a few hours, someone called me from State Farm to make sure I was okay and to ask if I needed any clarification or help navigating the app. She was caring and easy to talk to. I also love my agent, Bob Garrigan, and his whole team. They have always been there to discuss things with, to make good decisions with, and to support whatever I choose to do. I have never felt taken advantage of. I had two other accident claims with them a few years ago. Both went smoothly as well - both times, men rear-ended me. The first gentleman lied about it to avoid a policy issue on his end and my agent stayed the course and continued to patiently work with his insurance company until they took ownership of his actions and paid the claim. The second time I was rear-ended, the young man didn't contest his part in it, but the collision center was difficult to work with and State Farm had to call them out for their poor performance and work on my behalf. This is how an insurance company should treat their customer. I plan to stay with State Farm for as long as they give five star service.
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1
October 19, 2023

Ann_Smith

To "Insure" a downfall

State Farm, as with many insurance companies care about only 1 thing. Money. I think the best way to understand it is just to watch the Incredibles, and that scene with Bob at his job. Does it matter who is at fault? No. Does it matter what the circumstances were? No. Does it matter if anybody is being unethical? No. What matters is the cold, hard cash. You can pay thousands of dollars, have a fender bender with barely a scratch and OOOP, they ha...
State Farm, as with many insurance companies care about only 1 thing. Money. I think the best way to understand it is just to watch the Incredibles, and that scene with Bob at his job. Does it matter who is at fault? No. Does it matter what the circumstances were? No. Does it matter if anybody is being unethical? No. What matters is the cold, hard cash. You can pay thousands of dollars, have a fender bender with barely a scratch and OOOP, they had to pay money to fix it? Strike one. Soon enough, you are out with yesterday's garbage. Heaven forbid you have a child learning how to drive and something goes wrong. I can promise you it will haunt them for years to come. They say they only look at the past three years. That would be a lie. They say they have your back, and that would be a lie. Any possibility they have to pay anything, even if only partial fault, they can, and will, throw the sack at ya. With that said, it does have some lovely agents. I could rave about how awesome they are. Heck, an agent thought it would be ridiculous to sack somebody over what happened to me, but, you know, he appealed and the company still said "Whaaat, we must pay money even though the person has barely had issues? No way!" Amazing how they can hire good ethical employees, but can't be a good ethical business. You can spend way more in premiums than they have ever had to pay for anything, but who cares? They don't want to to ever have to do their job. Insurance is required by law. But what is the point of having insurance when at the snap of the fingers they can dig up something that happened when you were learning how to drive and compare it to a small fender bender in the future and say "We don't want that!" What is to feel safe about? The motto "we got your back... as long as you are the only one who has to pay us anything. Ever." Should be their slogan. You can't learn from mistakes, even if you never make them again, you can't have complications with a new license without it haunting your future. You can't be human, and sometimes make human error. Insurance is there to ensure you will be ok. The only thing state farm ensures is their path to your wallet, and a way to ditch if any of YOUR money ever has to come back to you because things happen.
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1
September 16, 2023

romomy

Ridiculous Rate Increases

They just raised my rate by $100.00 which was bad enough but they raised my mother's $400.00. She's on a fixed income and her rate was already ridiculously high. She has a good driving record and has been with SF for decades. When we made a move to the West coast, they doubled what she was paying back home (from a little over $600.00 per yr to $1200 every six months) and now to raise it another $400.00 after six months is adding insult to inju...
They just raised my rate by $100.00 which was bad enough but they raised my mother's $400.00. She's on a fixed income and her rate was already ridiculously high. She has a good driving record and has been with SF for decades. When we made a move to the West coast, they doubled what she was paying back home (from a little over $600.00 per yr to $1200 every six months) and now to raise it another $400.00 after six months is adding insult to injury. She worked her entire life and always paid her bill on time. No accidents, tickets, etc. No way she can afford $1600.00 every six months. That's if they don't raise it again in 6 months. It is appalling that they treat decades long customers this way. She's supposed to be enjoying retirement but how is she supposed to do that when she can't drive? If you think being with SF forever will help you in your twilight years forget it. They don't care about longterm business. Obviously, they raised her rate so much because they know she can't pay that much and they get to drop her without being called out for age discrimination. Changing companies ASAP.
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4
July 22, 2023

Jen Anders

State Farm Insurance review

The State Farm Drive Safe & Save app is below average. Doesn\'t record every trip as it should. Requires my cellphone to have everything on (Location, Storage, Bluetooth, Physical Location, Phone, etc.), but lowers your trip score if the phone moves, jostles, or slides at all while you drive, A pain in the neck to deal with it every time. Also, it recorded a trip I did not make in my vehicle, but that my spouse drove us in his vehicle. So far af...
The State Farm Drive Safe & Save app is below average. Doesn\'t record every trip as it should. Requires my cellphone to have everything on (Location, Storage, Bluetooth, Physical Location, Phone, etc.), but lowers your trip score if the phone moves, jostles, or slides at all while you drive, A pain in the neck to deal with it every time. Also, it recorded a trip I did not make in my vehicle, but that my spouse drove us in his vehicle. So far after1 month its only an $11.10 discount for 6 months, but we will see. I would not recommend this app. Allstatea was much more user friendly and less \"Big Brother.\"
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5
May 3, 2023

LHN

Personal article policy

[REDACTED NAME] was very helpful with my personal articles policy. I made my payment for 2023 to my auto policy. She was very helpful to ensure payment when to the correct department.
1
March 17, 2023

Love2sing_

Customer Concerns or Customer Loyalty Mean Nothing

After almost 20 years of being a State Farm customer, I will be moving on to another insurance carrier. I took my car to be repaired at a State Farm preferred body shop after a collision with a deer. Traumatizing! The repair shop didn’t submit all the needed repairs to State Farm in an effort to cut corners and still do the work just barely under the threshold of my vehicle being totaled. When I went to pick up my car, the engine light was on, ...
After almost 20 years of being a State Farm customer, I will be moving on to another insurance carrier. I took my car to be repaired at a State Farm preferred body shop after a collision with a deer. Traumatizing! The repair shop didn’t submit all the needed repairs to State Farm in an effort to cut corners and still do the work just barely under the threshold of my vehicle being totaled. When I went to pick up my car, the engine light was on, my instrument panel wasn’t working, and my sunroof liner was still sagging inside the vehicle. The repair shop relayed to State Farm that such issues were “pre-existing” issues. This claim was totally untrue. I ended up taking my vehicle to the dealership to fix the electrical issues that did not exist prior to the accident. It was determined at the dealership that those issues were a result of unsavory work performed at the body shop. The final issue was the sunroof liner. The body shop still insisted it was a pre-existing condition. I contacted State Farm directly with my concern. They told me unless I had a photo of the liner intact before the accident, they would stand by the report of the body shop because the shop is on their preferred list. How absurd! My only request was that they send a State Farm representative to look at the sunroof. They would not comply, and I was told that if I need to change insurance companies, they would understand. As a result, I am now financially responsible for this outstanding repair to my vehicle. So, no I would not recommend State Farm as an insurance carrier. They were NOT “like a good neighbor.” They were NOT “there” for me as a customer. If you do select them, make sure you take a picture of your vehicle intact right before you anticipate an accident. Absurd!
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1
March 2, 2023

Amb13

Rather have no insurance

If there is ever a possibility that you may be in an accident, even if you didn't cause it and tried to avoid it.....DONT go to state farm. When your in an accident they don't want to help. They argue about paying you and when they do, it I'd never on time. They keep upping their prices. I wouldn't tell my worst enemy to get insurance through here and have had multiple people go somewhere else. TERRIBLE COMPANY!
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