State Farm Insurance Review

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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.

State Farm auto insurance customer satisfaction ratings

Overall ratingPrice satisfaction Customer service satisfaction
4.5 stars 4 stars 4.5 stars

Would you choose State Farm auto insurance again?

Yes Maybe No
56% 39% 5%

Ratings for more auto insurers: Best car insurance companies

Car insurance price comparison

Here's a look at how car insurance premiums compare among State Farm and the other largest auto insurers in the country.

Company Monthly premium paid
American Family $115
Travelers $123
State Farm $126
Farmers $131
Nationwide $135
USAA $135
Allstate $136
GEICO $136
Liberty Mutual $144
Progressive $149
Source: Premiums reported by EverQuote users, based on policies with bodily injury liability coverage of 100/300. Rates are based on single vehicles with one driver who has a good driving record with no violations. Premiums for sedans, coupes and hatchbacks were averaged. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

State Farm auto insurance

State Farm offers the full slate of auto insurance choices you'd expect such as liability, comprehensive, collision, uninsured motorist, rental reimbursement and emergency road service coverage. Here's a look at whether State Farm offers other auto insurance options.


SR-22 filings (proof of auto insurance filing) Yes
Gap insurance No
Usage-based insurance Yes
Non-owner insurance Yes
Rideshare insurance Yes
Source: EverQuote research. Product options might not be available in all states.

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 complaints

    Every state's insurance department handles complaints against insurers that operate in the state. The National Association of Insurance Commissioners collects complaint data and produces a complaint ratio. The ratio is meant to show the number of complaints relative to a company's size of business. The industry median ratio is 1.00 and lower numbers are better.

    State Farm's complaint ratio is better than the industry median for auto and home insurance.

    State Farm insurance complaints

    State Farm home insurance customer satisfaction ratings

    Overall ratingPrice satisfaction Customer service satisfaction
    4.5 stars 4 stars 4.5 stars

    Would you choose State Farm home insurance again?

    Yes Maybe No
    62% 31% 7%

    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

    Insurance available from State Farm

    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 percentage of customers who would choose the company again, EverQuote commissioned a survey of 150 current customers of State Farm in March 2018. The survey was not open to the public on EverQuote.com.

    Updated Dec. 7, 2018

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