State Farm Insurance Review 2019

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About State Farm

State Farm is the largest auto insurer in the country. Over half of its business (65%) is private passenger auto insurance, according to S&P Global Market Intelligence.

State Farm offers a large array of financial products and services, including insurance, banking, credit cards and loans. With its mobile app you can access insurance ID cards, get roadside assistance, file claims, upload photos of car damage, and more. 

If you have a driver under age 25, State Farm's Steer Clear app can help them become a safe driver with videos, quizzes and a record of trips. 

The company is based in Bloomington, Illinois.

In this review:

Auto insurance satisfaction ratings
Price comparison
Auto insurance policy features
Website & app ratings
Auto insurance complaints
Car insurance discounts
Home insurance satisfaction ratings
Company subsidiaries
State Farm contact information

State Farm auto insurance customer satisfaction ratings

We asked current State Farm car insurance customers to rate the company on several measures. Here are their ratings.

Overall satisfaction: 4 stars

4 stars

Price satisfaction: 3.5 stars

3.5 stars

Customer service satisfaction: 4 stars

4 stars

See more company ratings in our best car insurance companies survey.

Would you choose State Farm car insurance again?

As another measure of satisfaction, we asked current State Farm auto insurance customers if they would choose the company again.

In our survey, the highest percentage of people who would choose the same company again are customers of USAA, Mercury Insurance and Amica.

Would you choose State Farm car insurance again?

State Farm car insurance price comparison

We analyzed premiums reported by EverQuote users with good driving records to see how prices compare among State Farm and other insurers. Here's how it compares with the four cheapest insurers in our analysis.

Insurance company Average annual premium
Shelter Insurance Co. $1,453
Erie Insurance $1,488
The Hartford $1,549
American Family $1,551
State Farm $1,738

Does State Farm have what you want?

Do you want special features with your auto insurance policy? Here's a look at what State Farm offers as add-ons or as separate policies. Availability can vary by state.

Website & app

We asked State Farm auto insurance customers if they had used the company's website or app and, if they had, asked if they were satisfied with the experience.

Website and app satisfaction

Complaints about State Farm auto insurance

Complaints about State Farm car insurance are lower than the industry median.

Each state's insurance department handles complaints against insurers that operate in the state. The National Association of Insurance Commissioners collects complaint data and makes a complaint ratio. The number is meant to show the number of complaints relative to a company's size of business. 


State Farm complaints

State Farm car insurance discounts

Here are some of the State Farm auto insurance discounts offered, based on our review of state insurance filings. Discounts details may change among states, and might not be available in all states or from each State Farm subsidiary. Also, some vehicles may be ineligible for certain discounts, like motorcycles and antique cars.


    Accident-free
    For drivers who have been with State Farm at least three years and had no "chargeable" accidents.

    Good-driving

    Good student

    Student away at school
    For students under age 25 who live more than 100 miles at home and don't have a car at school.

    Steer Clear Safe Driver
    For drivers under age 25 who have had no accidents or moving violations for three years and who complete the State Farm Steer Clear Program.

    Good driver plus discount
    For drivers who are accident-free, insuring more than one vehicle, and also buying a condo, farm/ranch or homeowners policy.

    Driver improvement course
    For drivers age 55 and older.

    Driver training
    For drivers who have classroom and driving instruction from a certified instructor.


        

    Vehicle safety
    For 1994 model cars and newer.

    Passive restraint
    For 1993 model cars and older.

    Limited use farm truck

    Anti-theft device


     

    Multi-vehicle

    Multi-line
    For buying more than one type of insurance from State Farm, such as auto insurance plus homeowners, renters, condo or life insurance.

    State Farm home insurance satisfaction ratings

    We asked current State Farm homeowners insurance customers to rate the company on several measures. Here are their scores.

    Overall satisfaction: 4 stars

    4 stars

    Price satisfaction: 3.5 stars

    3.5 stars

    Customer service satisfaction: 4 stars

    4 stars

    See more company ratings in our best home insurance companies survey.

    Would you choose State Farm homeowners insurance again?

    We also asked current State Farm home insurance customers if they would choose the company again. About half said yes.

    In our survey, Chubb had the highest percentage of home insurance customers who would choose it again (87%).

    Would you choose the company again?

    Companies within State Farm

    Many insurance companies have several subsidiaries. These subsidiaries may not operate in all states and could focus on different types of customers or business. State Farm's subsidiaries include:

    • State Farm County Mutual Insurance Co. of Texas
    • State Farm Fire and Casualty Co.
    • State Farm General Insurance Co.
    • State Farm Indemnity Co.
    • State Farm Lloyds
    • State Farm Mutual Automobile Insurance Co.
    • State Farm Florida Insurance Co.
    • State Farm Guaranty Insurance Co.
    • Oglesby Reinsurance Co.
    • HiRoad Assurance Co.

    Source: S&P Global Market Intelligence

    State Farm contact information

    Headquarters:
    One State Farm Plaza
    Bloomington, IL 61710
    website
    Questions: 800-STATE-FARM (800-782-8332)
    Auto and home insurance claims: 800-SF-CLAIM (800-732-5246)

    Methodology

    For star ratings and whether customers would choose the company again, EverQuote commissioned a survey of 150 current customers of State Farm in January 2019. The survey was not open to the public on EverQuote.com. 

    For premium comparisons, we analyzed premiums reported by EverQuote users from Jan. 1, 2017, to Dec. 31, 2018. Users had liability limits of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist limits of 100/300 ($100,000 per person, $300,000 per accident). Rates are for a single driver with one vehicle and no accidents or violations. Your own rates will be different.

    Updated March 15, 2019

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