Insurance » Auto Insurance Reviews » State Farm Car Insurance: 2022 Review
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State Farm Car Insurance: 2022 Review

State Farm is one of the largest auto insurance providers in the US and offers a variety of products, which are the focus of this review.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Mann (Silvermann) is an experienced investor, financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Mann (Silvermann) is an experienced investor, financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

Review & Fact Check: Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Financial Expert, The Smart Investor CEO

Experience

Baruch Mann (Silvermann) is a financial expert and founder of The Smart Investor. Above all, he is passionate about teaching people how to manage their money and helping millions on their journey to a better financial future.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

State Farm Car Insurance Review

State Farm gets its name from its origin story. The company was founded by two farmers who literally went from farm to farm trying to sell insurance to their neighbors. State Farm is among some of the most popular auto insurance companies amongst drivers.

However, they’re pricier than other providers and their premiums are higher than average. State Farm offers a wide range of insurance options to choose from and a number of discounts to lower your overall cost.

They also offer a few unique discounts for drivers who drive safely: the Steer Clear driver program and Drive Safe and Save. Along with these, they also offer discounts for students with good GPAs, safe vehicle discounts, and customer loyalty.

Car Insurance premium Per Credit Score (geico, allstate, progressive, state farm, liberty mutual)

* Estimated premiums, based on our research. Your actual rate depends on your unique personal details.

BBB Rating

Not Rates

NAIC Index

0.69
State_Farm_logo
State_Farm_logo
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Better Business Bureau

Not Rated

NAIC Complaint Index

0.69

Consumer Affairs Rating

3.9/5 stars (+1440 reviews)

PROS

CONS

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Benefits

State Farm offers a number of discounts that can reduce your premiums. There are also discounts for bundling your policies. As a customer, you should make the most of these discounts.

State Farm is considered one of the top insurers in the country. It has solid third party ratings including ranking fifth out of 23 in a J.D Power Auto Claims Satisfaction Study.

State Farm has an award winning app that you can use to access your insurance cards, file claims, make payments and even request roadside assistance.

Since State Farm is so well established, you can take advantage of a large network of agents should you encounter any problems. Currently, State Farm has over 19,000 agents operating across the US.

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Drawbacks

Some of the coverage options are not available in all states. For example, rideshare insurance is only available in some areas.

To obtain a quote online from State Farm, you must provide the company with personal information including your VIN, date of birth, driving history and driver’s license number, in addition to your contact information.

If you have endorsements or have unique coverage needs, you may struggle to find the specialized coverage on offer with State Farm.

State Farm connects customers with a local agent. Although this can offer a level of personalized attention so you can ask important questions you may have, customer service levels and responsiveness will vary from agent to agent.

Customer Experience & Satisfaction Ratings

State Farm
NAIC’s Index The Complaint Index Ratio Table shows consumer complaints filed with the Department of Insurance. Above average rate means a less complaints than the median while below Average means higher complaints compared to other insurers
Above Average
BBB The BBB rating system relies on an A+ through F letter-grade scale. The grades represent BBB's degree of confidence that the business is operating in a trustworthy manner and will make a good faith effort to resolve any customer concerns filed with the BBB.
na
JD Power J.D. Power rankings are your guide to finding which products or services ranked highest in J.D. Power Consumer Studies. All rankings are based on the opinions of a sample of consumers from a variety of industries who have used or owned the product or service being rated
Above Average
AM Best AM Best assigns credit ratings that evaluate an insurance company's creditworthiness, or the probability that the company will default on its obligations.
A++
iOS App
4.8
Android App
4.6

Overall, State Farm has great records in terms of customer service. Both NAIC Index and the 2021 JD Power shows that the insurer has more than average customer satisfaction.

When it comes to the mobile user experience, State Farm is performing better than many other car insurance providers on both IOS and Android platforms. The iOS app garnered 4.8 stars out of 5, from over 400k reviews, while the Android app has 4.6 stars (83k reviews).

It’s been reported by customers that the repairs made from their vehicle claims were done so with non-original parts. While this will get the job done at the moment, it can prove troublesome for your vehicle down the road. Also, despite being the largest auto insurance provider in the country, State Farm is only available in 33 states

Basic Coverage

State Farm offers a variety of basic auto insurance options including:
  • Liability: This is the minimum requirement in most states and provides coverage against property damage or injury caused by your vehicle to others.
  • Collision: This helps to pay for damage repairs for your vehicle as a result of an accident.
  • Comprehensive: This pays for damage and replacement costs to your vehicle if it is involved in a non collision related incident, such as fire or theft.
  • Uninsured or Underinsured Motorist: This provides coverage if you are involved in a collision with another driver. If the at fault driver has little or no insurance, this coverage ensures that you are not out of pocket.
  • Medical: This provides coverage for medical treatment related expenses for injuries resulting from an accident. It can cover any injuries suffered by your passengers.

Auto Insurance Premiums Per Age - (geico, allstate, progressive, state farm, liberty mutual)

* Estimated premiums, based on our research. Your actual rate depends on your unique personal details.

Extras

There are also several extra coverage options that will allow you to tailor your State Farm car insurance for your specific requirements. These include:
  • Rental Car and Travel Expenses: This is a fairly standard extra coverage item for car insurers, but State Farm takes it one step further. Not only does this option cover your rental car when yours is in for repair after an accident, but it will also pay for transportation, lodging and meals if you’re left over 50 miles from home. The coverage limits vary by state and you need to have collision or comprehensive coverage to opt in.
  • Rideshare Insurance: Ridesharing has become a more common side hustle, but you do need to have proper vehicle coverage. The State Farm Rideshare Insurance coverage option covers both your personal and ridesharing vehicle use.
  • Emergency Road Service: The State Farm roadside assistance package covers reasonable expenses should your vehicle break down. This coverage covers up to one hour of mechanical labor at breakdown site, towing to a repair location, delivery of gas, oil or a change of tire and lockout services.

Safe & Save Telematics App: Is It Worth It?

Drive Safe & Save by State Farm is available on both the Android and iOS platforms. However, the discount is not available in all states, and it varies depending on where you live.

When asking questions about your driving progress, the State Farm app even allows you to use Alexa for voice commands. Essentially, you receive your first discount once you subscribe to the service, which is optional.

The final reward will be given to you at the end of the program. As a result, make sure that all drivers on your policy participate so that you can save up to 30% on your premiums.

How to Get a Quote on State Farm Website?

Step 1:

You can obtain a quote for car insurance by phone or on the State Farm website. To start the process, you’ll need to select the type of insurance and enter your zip code.

state farm how to get quote

Step 2: 

Once you enter your zip code and click “Start a Quote”, you’ll be directed to a form to provide your basic personal details. This includes your name, address, date of birth and policy start date.

state farm how to get quote

Step 3: 

Once you enter your address details, you will see the local agents in your area on the left hand side of the screen. You will then need to enter your vehicle details.

You can either manually enter the year, make and model of your vehicle or enter the VIN. You will also need to confirm when you purchased the vehicle, whether it is financed and the primary purpose of the vehicle, along with your estimated annual mileage.

state farm how to get quote

Step 4: 

The next step is to add drivers to the quote. Your contact details will be carried across as the primary driver, but you will need to add your driving history and any other drivers for the vehicle.

You will also need to provide either your driving license number or social security number. You can also add Household details to bundle your insurances.

state farm how to get quote

Step 5: 

Follow the prompts and provide details of any violations to receive your quote. At any stage of the process, you can send your information to an agent. 

How to File a Claim?

You can start the claims process online or via the app. 

On the website, you’ll see a Claims link on the home page. This gives you the option to start a claim or follow up on a previous claim.

state farm how to file claim

You’ll need to select the type of claim and confirm you are a State Farm customer. At this point, you’ll need to log on with your User ID and password.

Just bear in mind, you will need to have some details on hand before starting the claim, including:

  • The date and time of the incident
  • A description of the incident and damages
  • The location of the incident
  • The vehicles involved.

You can also file your claim by calling the Claims Line, which is a toll free number.

Discounts

State Farm provides provides some unique offers such as defensive driving, telematics, distant student, new vehicle, driver education, and accident-free.

 Unfortunately, it lacks discounts for loyalty, seat belt use, annual mileage, multiple cars, emergency deployment, or accident forgiveness.

Discount How do you receive it?
Drive Safe & Save This is a usage based program that is based on safe driving measurements and your mileage. You can earn up to 30% off your premium after State Farm analyzes your driving behavior.
Steer Clear This is a refresher driver training course available online via mobile app or through an agent. State Farm will give you a discount on your policy costs for drivers under 25 who have no moving violations or at fault accidents in the last three years and complete the course.
Multi Vehicle If you have two or more vehicles insured with State Farm, you can earn up to 20% off your premium.
Accident Free If you have continuous accident free years of coverage, you can qualify for a discount. The longer your accident free record, the bigger the potential discount.
Good Student If you’re a student and you keep your grades up, you can qualify for up to a 25% discount off your policy.
Anti Theft If your vehicle has an approved anti theft device, you’ll get a premium discount
Bundling If you bundle your home, condo, renters or life insurance with your State Farm car insurance, you can save up to 17%.

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State Farm FAQs

State Farm does offer six month car insurance policies and this means that your rate can go up at renewal. Your rate may change if you make a claim, are involved in an accident or get a ticket during the lifespan of the policy.

State Farm has agents offering access to policies and coverage throughout the US. However, the policy options and coverage may vary according to your state or territory. So, you would need to speak to State Farm to confirm if you can access the full auto insurance policy options in your home state.

State Farm is one of the cheapest insurers on the market, offering low rates for good drivers. It can also offer competitive rates if you have a violation on your driving record or if you have little or no driving experience.

Like State Farm, Geico has coverage across the US. So, you can access products and services in all 50 states. While Geico has a reputation for low cost auto insurance, State Farm is considered one of the cheapest providers on the market. You can enjoy competitive rates even if you are a new driver or have a driving record with violations. This gives State Farm the edge over Geico as the better option for your car insurance needs.

As with State Farm, Allstate offers insurance across all 50 states. Allstate also offers a variety of coverage options with additional extras to create a tailored policy that suits your requirements. However, while Allstate does offer discounts, you are likely to pay an average cost for your insurance if you have a less than perfect profile.

This gives State Farm the edge over Allstate. You can access low cost car insurance even if you have a driving violation on your record. So, if you are looking for the best deal on your car insurance, State Farm is likely to be the better option.

State Farm is one of the cheapest insurers in the US market. This insurer offers low rates for good drivers and competitive rates for those with a less than perfect driving record. However, Travelers does offer far more policy features and add ons.

However, what makes Travelers really stand apart is its reputation for dealing with claims. There are lots of resources to help you understand the claims process and you can use the online dashboard to monitor your claim status, upload paperwork and access support. This puts Travelers over the top and makes it a better choice than State Farm.

State Farm has a far greater coverage area with agents throughout the US. So, you can gain easier access to policies and coverage. Additionally, State Farm has a solid reputation for offering affordable rates. Even if you have a ticket or offense on your driving record, you can still get a good price for your coverage.

So, unless you specifically need an additional protection plan that is exclusive to Direct Car Insurance, State Farm is likely to be the better option.

While State Farm has a solid reputation for offering good rates, Erie is considered a more affordable option. Erie is highly rated with stellar customer support and suburb coverage options. Both companies use agents in their operating territories, so you can gain access to personalized service, but Erie has a better reputation.

Additionally, while State Farm reviews the premium costs every six months, Erie allows you to lock in your rate. So, unless your circumstances change, such as changing your vehicle or moving home, you can keep your car insurance costs stable. This makes Erie the better option.

As with Progressive, State Farm is considered one of the cheapest insurers in the US. It offers low rates for good drivers and competitive rates if you have a less than perfect driving record. However, Progressive offers a wider variety of discounts and add ons that allow you to customize your coverage while offering highly competitive prices. Additionally, Progressive has an excellent reputation for dealing with claims quickly. So, overall Progressive is better than State Farm for most drivers.

Find Alternative Car Insurance Providers

farmers car insurance logo
State_Farm_logo
travelers-vector-logo
Best For
Coverage Options
Customer Service
Discounts
Telematics App Telematics is a method of measuring your driving. It's a black box or a mobile phone app that tracks how fast you drive, how quickly you brake, and whether you're a safe driver in general. It's frequently used to assist young or inexperienced drivers in obtaining lower-cost auto insurance.
The Signal & FairMile
Drive Safe & Save
IntelliDrive
Mobile App Rating
4.8/5 on iOS, 3.6/5 on Android
4.8/5 on iOS, 4.6/5 on Android
4.7/5 on iOS, 3.1/5 on Android
NAIC’s Index The Complaint Index Ratio Table shows consumer complaints filed with the Department of Insurance. Above average rate means a less complaints than the median while below Average means higher complaints compared to other insurers
Above Average
Above Average
Average
JD Power Rating J.D. Power rankings are your guide to finding which products or services ranked highest in J.D. Power Consumer Studies. All rankings are based on the opinions of a sample of consumers from a variety of industries who have used or owned the product or service being rated
Average
Above Average
Average

Review Auto Insurance Companies

Compare Alternative Providers

State Farm will be an excellent choice for those seeking excellent customer service as well as a reasonable mileage plan. Allstate is going to be for people who want a variety of unique coverages and discounts.

Read Full Comparison: Allstate vs State Farm: Which Car Insurance Wins?

American Family insurance is less expensive than State Farm insurance for drivers looking for lower rates. The discount options are more than adequate, and the insurer telematics apps offer a novel approach to lowering your premiums. State Farm has over 80 million customers and responds quickly to claims. It also provides personalized customer service and is able to meet its insurance obligations.

Read Full Comparison: American Family vs State Farm: Which Car Insurance Company Wins?

If you're comparing auto insurance rates between Erie and State Farm, Erie is likely to have the lowest rates in all categories. It also has a strong customer service and complaint resolution system.

Read Full Comparison: Erie vs State Farm: Compare Car Insurance Providers

Drivers with poor credit are subject to higher rates from State Farm. This insurer also excels at customer satisfaction and meeting its insurance obligations. Farmers' competitive advantage is based on its auto rates, discount benefits, and additional coverages. You'll also appreciate the variety of rewards available to drivers through the insurance's telematics app.

Read Full Comparison: State Farm vs Farmers: Which Car Insurance Provider Is Better?

If you want to get insurance from one of the largest insurers in the United States but at a lower cost, GEICO is your best bet. Despite being the most popular and largest insurer, State Farm is more expensive than GEICO. Their selling point, however, is the superior customer service they provide to their clients.

Read Full Comparison: State Farm vs GEICO: Choose The Right Car Insurance For You

For people with bad credit, Liberty Mutual offers more discount options, more unique coverage, and lower rates. State Farm excels at customer service, and its ability to meet insurance obligations is flawless.

Read Full Comparison: State Farm vs Liberty Mutual: Which Car Insurance Suits You Best?

While State Farm has higher auto premiums than USAA in most categories, it has an excellent track record of customer satisfaction. It has a strong track record of meeting their insurance obligations. If you meet the minimum requirements for auto insurance with USAA, you will find lower rates with USAA than with State Farm in most categories.

Read Full Comparison: State Farm vs USAA: Compare Car Insurance Providers

State Farm's pricing strategy is based on providing better customer satisfaction. Travelers, on the other hand, is the best option for someone who is more concerned with price than with customer service satisfaction.

Read Full Comparison: Travelers vs State Farm: Which Car Insurance Provider Wins?

For some customers, Progressive will be less expensive and provide better coverage. State Farm is a good option if you want good insurance that will provide you with the best customer service and the best prices for the majority of the insurance products that you want.

Read Full Comparison: Progressive vs State Farm: Compare Car Insurance Providers

Methodology

Our expert review team gathers data from many auto insurance providers in order to create rankings and estimate rates. 

Financial Stability: We analyzed each company based on industry benchmark ratings (summary table can be seen under “customer satisfaction” section) . Although insurance marketplaces do not have financial strength ratings they can still be useful tools for drivers who are looking for premiums at competitive rates. If you are looking for an insurer that doesn’t underwrite your policies, be sure to check the rating of the partner company. 

Coverage: Which types of insurance are available, their maximum coverage limits and any add-on policies. We also consider exclusions that are applicable to certain drivers.

Cost and Discounts: We review auto insurance rates estimates for many drivers across every state. The best scores are awarded to companies that offer lower rates and have many discount options for car insurance. You can lower your insurance premium by qualifying for any driver discounts. 

The discount percentages offered vary depending on where you live and some companies restrict the amount of discounts that can be applied to your premium. We looked at the discounts offered in the various companies that we reviewed. Many allow you to combine different insurance policies to save on premiums. There are many savings options for drivers shopping for car insurance. These include discounts based on the type of car, profession, driving record, and other factors. Companies that offer a variety of options could lead to a lower premium for drivers were favored by us.

Customer Service: We review customer feedback and reviews from J.D. Power. Data such as market share, complaints to the National Association of Insurance Commissioners for private passenger car insurance (2021) and overall ratio of those complaints to the industry average. 

In order to provide accurate and neutral information to our readers, our expert review team collects data from dozens of car insurance providers. Vehicles used include the 2017 Hyundai Sonata, 2017 Toyota Corolla, with annual mileage ranging from 10,000 and 20,000. We analyzed five credit tiers (excellent, good, very good, fair, and poor) and four types of people in different age groups. Lastly, we divided drivers to 4 categories based on safety history: Clean driving records, one at fault accident, one speeding violation, and one DUI.

We took into account parameters such as companies mobile apps, advanced online services, and telematics make it easier for auto insurers to respond to consumer needs. Many providers offer support via phone, email and agents. Some even offer live chat and 24/7 support via phone, email, or mobile app, while some provide social media responsiveness during weekends and after-hours hours.