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State Farm Insurance: Coverage Options and Ratings

State Farm Insurance Information for 2020

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4 Rating from The Zebra

Founded in 1922, State Farm is the most popular car insurance provider in the United States. Currently, State Farm holds 10% of the auto insurance market share in the US — a larger share than other major insurance companies such as GEICO and Liberty Mutual. Below you'll find our State Farm insurance review where we take a look at their coverage options, financial stability, and overall customer satisfaction to see what makes State Farm so popular and help you decide whether it’s the right auto insurance company for you.

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JD Power Rating — Above average: J.D. Power rates State Farm above-average in overall customer satisfaction.

Financial strength — Superior: State Farm has a "Superior" financial strength score. This reflects its ability to pay out claims.

NAIC Rating — Excellent: The National Association of Insurance Commissioners (NAIC) received fewer complaints regarding State Farm than average in 2019.

JD Power Rating — Above average: J.D. Power rates State Farm above-average in overall customer satisfaction.

Financial strength — Superior: State Farm has a "Superior" financial strength score. This reflects its ability to pay out claims.

NAIC Rating — Excellent: The National Association of Insurance Commissioners (NAIC) received fewer complaints regarding State Farm than average in 2019.

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State Farm car insurance coverage options

State Farm provides state-required coverage options and additional coverage tiers so you can protect your vehicle. Below are sample premiums for different driver profiles, and additional features and options available on a State Farm insurance policy.

Driver Profile6-Month RateMonthly Rate
State Farm Average$636$106
At-fault Accident$810$135
Good Credit (670-739)$648$108
Bad Credit (300-579)$1,272$212
Speeding Ticket$745$124


Emergency road service

This is State Farm’s roadside assistance package. It pays you for the reasonable expenses after your vehicle breaks down. It covers you for the mechanical labor (up to one hour), towing to the nearest repair location, gas or oil delivery, jumpstart, and locksmith services.

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. 

Drive Safe & Save

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.

Rental car and travel expenses

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 50 or more miles away from your home.

Local agents

One of State Farm's major selling points is its use of 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 discounts and reward programs

State Farm has many discounts and programs in which policyholders can enroll to lower their monthly insurance rates.

Steer Clear

If you’re a young driver (under 25 years of age) without an at-fault accident in the past three years, complete the Steer Clear driving course to receive up to 15% off your premium. This program requires the completion of five training modules, five hours of driving, and mentorship by a friend or family member. Progress toward the completion of these tasks can be tracked via the Steer Clear mobile app.

Accident-free discount

If you have been a State Farm insurance customer for three continuous, accident-free years, you may qualify for the company's good driver discount. The longer you are insured by State Farm without an accident, the bigger your discount will be.

Defensive driver course discount

Depending on where you live, a driver safety course may lead to a discounted State Farm premium. In the company's eyes, motorists who have completed a safety course are less likely to take risks behind the wheel and are cheaper clients to insure. Speak with your State Farm agent to learn more.

Student away at school discount

If you or your child is under 25-years-old and lives away from the listed residence, this discount is for you. The student driver needs to be an occasional driver in order to qualify — only during school vacations or holidays.

Good driving discount

Like State Farm's defensive driver discount, a good driving discount rewards customers who have gone three years without getting into a car accident. In order to qualify for this discount, you must also avoid violations such as tickets or citations.

Driver training discount

This requires all drivers under the age of 21 to complete a safety driving course. Once completed, this discount can be applied to reduce your young driver insurance rates.

Good student discount

State Farm sees good students as less likely to take risks behind the wheel. The insurance company offers up to 25% off your policy if you have a grade point average of B or better. This discount is only available for drivers under the age of 25.

Multiple auto discount

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%.

Multiple line discount

Adding another product can provide an insurance discount of up to 17% on your State Farm auto insurance policy. Known as bundling, by combining your auto policy with your home or renters insurance, you can gain a multi-policy discount. Bundling insurance can also be a great way to simplify your bills, as you'll only pay insurance premiums to one company. Check with an insurance agent to find the best home and auto insurance bundles or to learn more about the benefits of bundling. Below are the other types of insurance eligible for State Farm bundle discounts:

Discounts by vehicle type
  • Vehicle safety discount: This discount applies to medical-related coverage — for example, MedPay coverage. Depending on the specifics of your vehicle, you can receive up to 40% off.
  • Passive restraint discount: This discount also applies to medical-related coverage. Vehicles with factory-installed airbags or other passive restraint systems can earn savings of up to 40%.
  • Anti-theft discount: If your vehicle is equipped with an alarm or another type of anti-theft device (such as OnStar) you can receive a discount.


Additional lines of insurance through State Farm

Although we mentioned a handful of additional lines of insurance State Farm offers, below is a more comprehensive list of additional products offered.

  • Homeowners
  • Renters
  • Condo
  • Whole and term life insurance
  • Boat insurance
  • Motorhome insurance
  • Business insurance
  • Off-road vehicles
  • Disability


Is State Farm right for you?

According to JD Power, State Farm has an above-average customer satisfaction rating. The auto and home insurer also offers a wide variety of products and services, including personalized agents. Consumer Reports customer service rating averages an A++ (well above average). State Farm's financial strength rating is Superior, which means you don't need to worry about its ability to pay out a claim.

One aspect not mentioned above is the cost of State Farm's insurance policies. As a State Farm customer, you can expect a wide array of insurance coverage options and overall good service. However, that doesn't necessarily mean that they will provide the best rates. Because insurance rates are often determined by factors like your credit score or driving record, it is impossible to reliably say if State Farm is overpriced or cheap.

Search for auto insurance reviews and get insurance quotes from as many car insurance companies as possible — including State Farm. Enter your ZIP code below to see insurance quotes from State Farm and other providers so that you can find the best rates available.


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Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.

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