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State Farm insurance overview

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4.0 Rating from The Zebra

Founded in 1922, State Farm is the most popular insurance provider in the United States. Currently, State Farm holds over 9% market share in property and casualty insurance — a larger share than other major insurance companies, such as GEICO, Allstate, Progressive and Liberty Mutual

Is this popular insurance company worth considering for coverage? Consult our impartial State Farm insurance review where we analyze rates, coverage options, discounts, special features, and more to explore everything you need to know before shopping and finalizing a State Farm policy.

State Farm reviews — table of contents:

 


 

State Farm car insurance review

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4.5 Rating from The Zebra

State Farm dominates in the auto insurance space with over 16% market share, with coverage spanning throughout 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 other large companies — but those looking for a larger selection of add-ons could be found wanting. Still, we found that State Farm's average car insurance rates are lower than those of many of its competitors.

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

 

Pros and cons of State Farm auto insurance

Good for:
Bad for:
  • Cheaper-than-average rates for all age groups and after tickets or violations
  • Rideshare drivers can add rideshare coverage as an add-on to personal policy (may vary by state)
  • Availability of local agents dispersed nationwide
  • Those looking for specialized coverage or extra endorsements to bolster an auto policy

 

Where is State Farm car insurance available?

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

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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 a sizable amount of 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

There are two telematics programs from State Farm that can help lower your rate.

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.

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.

  • JD Power Rating — Above average: J.D. Power's most recent study gave State Farm an above-average rating for customer satisfaction.
  • 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).

 

Pros and cons of State Farm homeowners insurance

Good for:
Bad for:
  • Variety of unique coverage options
  • Depending on your state, coverage for floods (NFIP) and earthquakes (CEA) can be added
  • Those who value good customer service
  • Variety of discounts
  • Could be pricer than average

 

Where is State Farm home insurance available?

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

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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

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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.

 

Compare State Farm with competitors

Learn more about State Farm at statefarm.com.

Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.

About The Zebra

The Zebra is not an insurance company. We’re an independent, unbiased partner for consumers, on a mission to help you compare insurance options apples-to-apples, so you can make a truly informed decision. We’re proud because: