State Farm Insurance Review (2025)
- Overall rating: good (3.6/5 stars)
- Average cost: $1,133 for a 6-month policy
- 89.4% of customers recommend State Farm
Read more below to get a quote directly from State Farm.
State Farm Insurance: A good choice for most shoppers
As the largest insurance provider in the country, State Farm brings scale, stability, and a streamlined digital experience to the table. It typically offers competitive premiums, especially for drivers with clean records.
However, the claims process can be a sticking point — often described as slow and lacking transparency. Still, with its broad coverage options and strong reputation, State Farm remains a good choice for most drivers.
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Availability of Support Channels: Get help through your preferred method—phone, chat, app, or in-person.
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Mobile App Functionality and Usability: Manage claims, payments, and documents from your phone.
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Transparency in Process and Timeline: Lack of transparency leaves you uncertain about claim status.
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Average Processing Time: Slow processing delays reimbursement when you need funds.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is State Farm car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas State Farm is about $1,133.
Updating data...
| Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $399 | $1,133 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how State Farm stacks up against competitors →
Discounts offered at State Farm: An assortment of options.
State Farm offers driver-based discounts including good student and student away at school as well as some vehicle-specific discounts like passive restraint, anti-theft and newer vehicle safety.
With State Farm you get an initial discount just for enrolling, and from there, you could save up to 30% based on how you drive
If you're a new driver or under 25 years of age, you may qualify for our Steer Clear program. You could save while learning to become a better, safer driver.
You're eligible if your vehicle has an alarm or some other approved anti-theft device.
| Bundle and save | Defensive driving course discount |
| Good driver discount | Good Student Discount |
| Student Away at School Discount | Loyalty Discount |
| Low mileage Discount | Vehicle safety savings |
| Passive restraint discount | Anti-theft discount |
| Driver Training Discount | Steer Clear® program |
| Drive Safe & Save® |
To learn more about each discount State Farm has to offer, see their discounts page.
Compare with other companies
See how State Farm stacks up against similar companies
Cost: $1,133 average cost for a six month policy
Customer satisfaction: Medium
Our take:
- Most popular auto insurance provider
- Average claims satisfaction
- Robust and wide ranges of coverage options
Cost: $1,460 for a six month auto policy
Customer satisfaction: Medium
Our take:
- Higher prices than State Farm
- Similar customer service scores to State Farm
- Lower digital experience scores than State Farm
Cost: $1,086 average cost for a six-month policy
Customer satisfaction: High
Our take:
- Similar prices to State Farm
- Worse customer service scores than State Farm
- Worse bundling options than State Farm
State Farm's customer service & claims experience: A mixed bag
State Farm's customer service varies widely depending on the issue. While routine tasks like managing your policy or handling claims are easy and efficient through their digital platforms, dealing with disputes or complex claims can be more time-consuming.
Thinking about State Farm?
See what other drivers are asking
Will my State Farm car insurance cover damage to a person's balcony?
Does State Farm require you have a police report to file a claim?
How many cars can I list on my State Farm policy?
State Farm Customer Survey results
89.4% of customers recommend State Farm
The Zebra conducted a survey across 4,000+ users to gather ratings on major carriers' customer service, claims process, ease of use, and more. See how State Farm was rated in individual categories by expanding the section below.
How much will your rates climb after filing a claim with State Farm?
No one wants to file a claim, but sometimes it's impossible to avoid. Luckily, State Farm doesn't punish for comprehensive claims as they are largely seen as out of the driver's control. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| One comp claim | $1,213 |
| None | $1,213 |
| Two comp claims | $1,213 |
| At-fault accident - $1000-$2000 | $1,506 |
| At-fault accident - greater than $2000 | $1,536 |
Source: The Zebra
Filing a claim with State Farm is generally straightforward — it’s the follow-up where things get rocky. Many customers report poor communication and long stretches without updates, making the claims department feel nonexistent at times. With no clear timeline and limited transparency, the process can quickly become frustrating.
Coverage options: Plentiful and versitile
Another key component of State Farm's review is the types of coverage options they offer.
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.
✔️ Rental car and travel expenses coverage
✔️ Bundling options
Carrier pulse: Recent news from State Farm
- State Farm, Volvo partner to provide car insurance options at point of sale.[3]
Final thoughts: Is State Farm Right for You?
In conclusion, State Farm's large presence in the insurance market affords it several positives: local agents are always available, discount opportunities are plentiful, and it boasts a long history of customer sattisfaction and financial stability. Rates remain about average and coverage is available nationwide. The Zebra believes State Farm is always worth checking out when shopping around for new auto insurance.
Frequently Asked Questions about State Farm
Get quotes from State Farm and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
State Farm, Volvo partner to provide car insurance options at point of sale. Repairer Driven News
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 editorial 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.