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State Farm insurance review — at a glance

Pros
Cons
  • Availability of local agents dispersed nationwide
  • Lower-than-average car insurance rates for all age groups and drivers with tickets or violations
  • Depending on your state, homeowners can add coverage for floods (NFIP) and earthquakes (CEA)
  • Positive customer satisfaction and financial strength ratings
  • Lacking specialized coverages or endorsements for drivers with unique coverage needs
  • Homeowners insurance rates could be on the pricier side
  • Not the best variety of discounts for home insurance
Top 3 for auto and home insurance
Top 3 for auto and home insurance

4.4/5 — State Farm came in third place in The Zebra's consumer survey of 15 popular insurance companies for auto and homeowners insurance.

Top 3 in claims satisfaction, ease, trust and willingness to recommend
Top 3 in claims satisfaction, ease, trust and willingness to recommend

In The Zebra's consumer survey, State Farm finished in third place in these four important categories.


State Farm car insurance review

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4.5 Rating from The Zebra

State Farm dominates in the auto insurance space with a market share of 16%. The insurance company's coverage spans the U.S. Those who prefer a more personal experience can easily get in contact with State Farm's network of agents. This popular insurance company also boasts good ratings from reputable third parties, with positive assessments of its customer satisfaction and financial outlook.

Coverage options and discounts for State Farm car insurance are comparable with those offered by other large companies — but those looking for an impressive selection of add-ons and extras could be found wanting.

Still, we found that State Farm's average car insurance rates were lower than those of many of its competitors. The company has also announced an ambitious plan to cut its greenhouse gas emissions by 50 percent by 2030. 

  • The Zebra Customer Satisfaction Survey — 4.5/5: State Farm's car insurance placed third out of 15 companies in The Zebra's inaugural customer satisfaction survey.
  • Claims satisfaction (J.D. Power) — Above average: State Farm earned above-average marks in J.D. Power's most recent claims satisfaction study. 
  • Customer satisfaction (J.D. Power) — Above average: J.D. Power rates State Farm above-average in overall customer satisfaction in 2021.
  • Financial strength — Excellent: State Farm has a superior financial strength score, per AM Best. This reflects its ability to pay out claims.
  • NAIC Rating — Above average: The National Association of Insurance Commissioners (NAIC) received fewer complaints regarding State Farm compared to the national median.
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Where is State Farm car insurance available?

State Farm auto insurance is available in 50 states and Washington, D.C.


State Farm car insurance coverage options

Standard coverages for liability, collision, comprehensive, uninsured/underinsured motorist and medical payments are provided by State Farm. Detailed below are some optional coverages that can be added to a State Farm auto policy.


State Farm emergency road service coverage

This is State Farm’s roadside assistance package and pays for reasonable expenses if your vehicle breaks down. It covers up to one hour of the mechanical labor (at the breakdown site), towing to the nearest repair location, lockout services, and delivery of gas, oil, battery or change of tire.


State Farm rideshare driver coverage

This coverage will extend your car’s coverage while you’re driving for companies like Uber and Lyft. With State Farm’s rideshare coverage, all of your personal coverage transfers when you’re working — even your roadside assistance coverage.


State Farm car rental and travel expenses coverage

State Farm’s rental car coverage pays for a rental vehicle while your car is in the shop after a collision or comprehensive claim. Coverage for travel expenses covers your lodging, food, and transportation if you’re stranded after an accident more than 50 miles away from your home.


Local agents

One of State Farm's major selling points is its local agents. State Farm offers personalized insurance advice and on-demand customer service. If your local agent’s office is closed, State Farm offers service through its 24/7 call center.


State Farm auto insurance discounts

Many of the car insurance discounts on offer from State Farm are garden-variety, but they can add up to substantial savings.

Discounts based on the driver or vehicle

  • Multi-vehicle: Covering two or more vehicles with State Farm can lead to a multi-vehicle discount. While the amount of this discount may vary, State Farm advertises savings of up to 20%.
  • Accident-free: If you've been a State Farm customer for three continuous, accident-free years, you may qualify for this discount. The longer you are insured by State Farm without an accident, the bigger your discount will be.
  • Good driving: New policyholders with good driving records free of at-fault accidents and moving violations within the past three years can qualify for some savings.
  • Defensive driving course: Completing a driver safety course can lead to a discount. This discount may not be available in all states.
  • Driver training: Those who are under age 21 and drive your vehicle regularly can take an approved driver education course to be eligible for this discount.
  • Good student: Students who keep their grades up can get up to 25% off their policy.
  • Student away at school: If any students in your household leave home for school and are under 25 years old, you can get a discount since they'll be only seldomly driving the insured vehicle.
  • Vehicle safety: Insuring newer vehicles made post-1994 could result in some savings on medical-related coverage.
  • Passive restraint: For pre-1993 vehicles equipped with factory-installed airbags or other passive restraint systems, policyholders can qualify for some savings on medical-related coverage.
  • Anti-theft: Get this discount if your car has an alarm or other approved anti-theft device.

Discounts based on your policy

  • Bundling/multi-policy: State Farm claims a savings of 17% if auto insurance is bundled with homeowners, condo, renters or life.
State Farm telematics programs

State Farm telematics programs

Two telematics programs from State Farm can help reduce your car insurance rates.

Drive Safe & SaveTM

Drive Safe & Save is State Farm’s usage-based insurance program. Drive Safe & Save utilizes a telematics device to track the way you drive and determine your premium. If you exhibit good driving habits, you can earn as much as 30% off your State Farm insurance premium.

Steer Clear®

Aimed at teens and young drivers younger than 25 with no at-fault accidents or moving violations within the past three years, State Farm claims drivers can save up to 15% by enrolling in Steer Clear. This program combines telematics with driver education to encourage good driving habits in young drivers.

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How much does State Farm car insurance cost?

Using our methodology, we compared average premiums from State Farm and the company's competitors. To see customized rates, get auto insurance quotes online.

State Farm vs. Competitors.png
Insurance CompanyAverage Monthly Cost
State Farm$108
AAA$152
Allstate$169
GEICO$100
Nationwide$119
Liberty Mutual$144
AgeGroup_StateFarmvsCompetitors.png
Insurance CompanyTeens20s30s40s50s60s
State Farm$286$142$106$104$99$96
GEICO$279$125$101$97$91$91
Allstate$536$212$168$165$153$153
Nationwide$370$158$117$113$103$106
State Farm vs. Competitors by Violation.png
Insurance CompanySpeeding TicketAt-Fault AccidentDUI
State Farm$124$135$165
GEICO$132$167$221
Allstate$194$251$303
Nationwide$144$181$258

 

Where is State Farm auto insurance cheapest?

There are 39 states — plus Washington, D.C. — in which State Farm car insurance is among the top three cheapest companies.

StateMonthly Premium
Alaska$84
Arizona$114
Arkansas$95
Colorado$112
Connecticut$106
Delaware$111
Florida$141
Georgia$121
Idaho$65
Illinois$93
Indiana$76
Iowa$75
Kansas$102
Kentucky$117
Louisiana$169
Maine$69
Michigan$228
Minnesota$93
Mississippi$100
Missouri$99
Montana$87
Nebraska$90
Nevada$115
New Hampshire $64
New Mexico$86
New York$157
North Dakota$89
Oklahoma$104
Oregon$89
Pennsylvania$96
South Carolina$105
South Dakota$91
Tennessee$86
Texas$104
Virginia$76
Washington$99
Washington D.C.$138
West Virginia$89
Wyoming$96

State Farm bundling options

If you need more than one policy, bundling is a great option for saving some money.

State Farm offers many lines of insurance to choose from, though bundling auto and homeowners insurance remains the most popular option.

Additional insurance products offered by State Farm

Insurance Line
 

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State Farm home insurance review

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4.0 Rating from The Zebra

If you're looking for a robust selection of coverage add-ons, State Farm's homeowners insurance could be of interest. It allows homeowners a number of options that would extend their coverage in a variety of ways — but be prepared to pay for it.

Our assessment found that State Farm's average rates are on the higher side, and there are only four discounts for home insurance. In short, while this company's home insurance has the backing of favorable ratings, those looking for an average, no-frills home insurance policy without specialized endorsements could get a cheaper rate by looking for an alternative.

In The Zebra's customer satisfaction survey of 15 popular homeowners insurance companies, State Farm finished in fifth place.

Learn more about the company's home insurance in our detailed review below.

  • The Zebra Customer Satisfaction Survey — 4.4/5: State Farm was given an above-average rating among the top 15 home insurance providers surveyed.
  • Claims satisfaction (J.D. Power Rating) — Below average: J.D. Power's most recent study rated State Farm as just shy of the industry average for property claims satisfaction.
  • Customer satisfaction (J.D. Power Rating) — Above average: State Farm was awarded an above-average rating for customer satisfaction in J.D. Power's Home Insurance Study.
  • Financial strength — Excellent: A.M. Best rated State Farm as having excellent financial viability, signaling its ability to pay for claims.
  • NAIC Rating — Average: State Farm's home insurance received an average amount of complaints as logged by the National Association of Insurance Commissioners (NAIC).
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Where is State Farm home insurance available?

State Farm homeowners insurance is available in 50 states and Washington, D.C.

 


 

State Farm homeowners coverage options

Along with standard coverages for your dwelling, personal property, liability, and more, State Farm offers quite a few additions that can be added to a homeowners policy. The availability of these options may vary by state.

Sewer or drain backup

This common endorsement protects against water damage as a result of overflow from sewers and drains.

Identity restoration coverage

State Farm will provide case management and expense reimbursement if your identity is stolen or used fraudulently.

Loss assessment coverage

If you're an HOA member, this coverage will cover losses that the HOA passes to its members.

Business pursuits coverage

This covers bodily injury and property damage liability for those in certain occupations.

Adult family home

If someone is providing adult care services in your home, this coverage protects against bodily injury and property damage.


Incidental business coverage

If you have an incidental office, professional or private school or a studio within the insured property, this covers bodily injury and property damage liability.


Nurses' professional liability coverage

This provides liability coverage specifically for registered nurses, licensed practical nurses and licensed vocational nurses.

Off-premises coverage

This coverage extends to structures located off-premises.

Increased limits for other structures

If you have detached structures, like a shed or garage, this coverage will increase your limit.

Personal injury liability coverage

If you're legally obligated to pay for personal injury offenses, this coverage steps in to defend your liability.

Rented personal property coverage

This covers rented property or items held for rental in your home, including cases of burglary.

Temporary rental coverage

Homeowners who rent out their homes for special events can add this endorsement to secure broader theft and liability coverage.

Vacancy coverage

If your dwelling has been unoccupied and devoid of home contents for over 30 days, this coverage protects the property against vandalism and glass breakage.

Waterbed liability coverage

This coverage pays for your liability should you become responsible for property damage caused by your waterbed.

 


 

State Farm home insurance discounts

The number of discounts on homeowners insurance from State Farm is slim compared to competing companies — and may not be available in some states.

  • Multi-policy/bundling: Combine home insurance with auto to get this common discount.
  • Safety features: If your home is equipped with smoke, fire or burglar alarms, you could be eligible for some savings.
  • Roofing: Having an impact-resistant roof can result in a discount. State Farm requires that homeowners with qualifying roofs must file a certification form before this discount can be awarded.
  • Higher deductibles: Technically, this isn't really a discount — it's a tip for lowering your rate since deductibles and premiums have an inverse relationship. Raise one to lower the other, and vice versa.

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How much does State Farm home insurance cost?

Our rate analysis below compares average costs among some of America's top providers of homeowners insurance.

Home_State Farm vs. Competitors.png
Insurance CompanyAverage Monthly Cost
State Farm$139
AAA$109
Allstate$119
Farmers$161
Liberty Mutual$133
Nationwide$117

 

Where is State Farm homeowners insurance cheapest?

There are seven states in which State Farm is among the top three cheapest options for homeowners insurance:

StateMonthly Premium
Connecticut$75
Delaware$53
Kansas$193
Missouri$141
Nebraska$220
New York$61
Rhode Island$41

How to cancel a State Farm insurance policy

You can cancel your insurance at any time. Depending on your state insurance regulations, you could be subject to a cancellation fee or a refund of a portion of your unused premium. With this in mind, there are three ways State Farm policyholders can cancel their policy:

  • By phone: Have your policy number ready when you call your State Farm agent or customer service line to request a cancellation.
  • By mail: Write a letter that includes your name, address, phone number, State Farm policy number, and the date and time you want your policy to end. Make sure to allow some time for delivery and processing by signing, dating, and mailing the letter at least two weeks before your requested cancellation date.
  • In-person: Policies can also be canceled by visiting a State Farm agent. Simply provide your name, address, policy number, and the date and time you want your policy to end.

See more details on canceling your policy from State Farm.

Can I cancel my State Farm policy online?

At this time, you cannot cancel your State Farm policy online. Cancellations must be requested by phone, mail, or in-person with a State Farm insurance agent.


State Farm online features and app

State Farm may have the great benefit of local agents, but those looking to shop independently can easily get quotes through State Farm's website.

Other features of the site include:

  • File and manage claims
  • Account management: bill pay, view policy documents, acquire proof of insurance cards
  • Finding local agents

The State Farm mobile app (available for Apple and Android) allows many of the same functionalities, but also adds the ability to get roadside assistance and connect with an agent.


Key customer satisfaction survey findings — State Farm

The Zebra conducted a survey with the intention of understanding carriers from a customer's perspective. We asked how each major carrier held up in online experience, claims satisfaction, ease of use, customer service, trustworthinessandwillingness to recommend.

Overall survey takeaways

Auto insurance

The company came in third place overall — out of 15 carriers — for auto insurance. State Farm's car insurance was considered to be very reliable and reputable according to the respondents of our consumer survey — among the categories surveyed, it came in second place for claims satisfaction and third place for ease, customer service, trust and willingness to recommend. Consumers were also satisfied by State Farm's online experience, for which it came in fourth place.

Homeowners insurance

State Farm came in fifth place for home insurance, faring best in ease of use — for which it came in third place. Respondents appeared to agree with J.D. Power's assessment of State Farm's claims satisfaction as mediocre and also gave the company lower marks for online satisfaction.

Survey methodology

Findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2021.

Allstate survey highlights

Survey highlights

  • Millennial and Gen Z drivers rated State Farm more favorably than Gen X and Boomers
  • Teen drivers awarded State Farm high marks for claims satisfaction and online experience
  • A sizable gender gap in State Farm's claims satisfaction for home insurance: first place among men, 14th place among women

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.