State Farm Auto Insurance Review

Last Updated on January 7, 2026

State Farm has been insuring drivers since 1922 and remains one of the biggest names in U.S. auto insurance. The mutual insurer is headquartered in Bloomington, Illinois, and offers coverage nationwide through a large local agent network, a robust website, and a highly rated mobile app.

By direct premiums written, State Farm is the largest private passenger auto insurer in the U.S. (rankings can vary depending on whether a report combines private passenger and commercial auto). That scale can be a plus—especially if you want a well-known carrier with local support—but your best rate still depends on your ZIP code, driving record, vehicle, and coverage choices.

Types of Auto Insurance Coverage Offered by State Farm

State Farm offers the core coverages most drivers need, plus several helpful add-ons. You can buy a minimum liability insurance policy to meet your state’s requirements, or you can build a more protective “full coverage” package with comprehensive and collision.

Liability Insurance: This is the foundation of most auto policies. Bodily injury liability and property damage liability help pay for injuries and damage you cause to others in an at-fault crash. Your state sets minimum limits, but many drivers choose higher limits for better protection.

Uninsured/Underinsured Motorist Coverage: In many states, you can add coverage that helps protect you if you’re hit by a driver who has no insurance (or not enough). Coverage types and requirements vary by state.

Collision Coverage: Collision coverage typically pays to repair or replace your vehicle after a crash with another car or object—regardless of fault—minus your deductible. If you have a loan or lease, your lender usually requires this coverage.

Comprehensive Coverage: Comprehensive coverage helps pay for non-collision damage, like theft, vandalism, falling objects, fire, animal hits, and certain weather-related losses. It also comes with a deductible you choose.

Personal Injury Protection: In no-fault states (and some optional states), PIP can help cover medical bills and other costs after an accident, regardless of fault. In other states, similar protection may be available through MedPay.

Rental Reimbursement: If your car is in the shop after a covered claim, rental reimbursement can help pay for a rental car up to your daily and total policy limits. State Farm also offers rental car coverage that can extend certain protections to eligible rentals—always confirm what applies before you travel.

Roadside Assistance: State Farm offers Emergency Road Service coverage (availability and details vary). It can help with common issues like towing, jump-starts, flat tires, and lockouts.

Rideshare Coverage: If you drive for Uber, Lyft, or similar platforms, rideshare coverage can help close insurance gaps between your personal policy and the rideshare company’s coverage. State Farm’s rideshare option varies by state and policy type, so confirm details with your agent.

Teen Driver Coverage: You can add a newly licensed teen to a family policy in most cases. This is often cheaper than buying a separate policy, and it may unlock student and young-driver discounts depending on eligibility.

Non-Owner Auto Insurance: If you don’t own a vehicle but regularly rent or borrow cars, a non-owner policy can provide liability coverage while you drive. This can also help you avoid a coverage gap.

Unique situations and vehicles: Depending on your state and underwriting, State Farm may be able to help with specialty needs like classic and collector vehicles, commercial auto, insuring a car that’s not in your name, and rebuilt title vehicles (often with restrictions and documentation requirements).

SR-22 (or FR-44) Filings: If your state requires proof of financial responsibility after certain violations, State Farm can typically file the required form where available.

What Makes State Farm’s Auto Insurance Stand Out?

On paper, most major insurers offer similar “building blocks” (liability, comprehensive, collision). What often makes the difference is how you buy coverage, how easy it is to get help, and which discounts you qualify for. Here are a few reasons drivers consider State Farm:

Local Agent Support (If You Want It): If you prefer a real person who can explain coverages and help adjust your policy over time, State Farm’s agent model is a strong fit. You can also use their State Farm customer service options or manage most tasks digitally.

Agent vs. Online Purchase: Some drivers like getting quotes online, while others want guidance. If you’re wondering whether you’ll save money with one approach or the other, see our breakdown on whether auto insurance is cheaper through an agent.

Two Notable Programs: State Farm’s discount lineup often highlights Drive Safe & Save (telematics) and Steer Clear (young drivers). These can be great money-savers for the right driver, but they’re not one-size-fits-all.

How Much Does State Farm Car Insurance Cost?

State Farm’s pricing is often competitive, but your rate depends heavily on where you live, what you drive, and your risk profile. To get a realistic number, you’ll need a quote—especially because auto insurance pricing has changed quickly in recent years.

For context: recent national “full coverage” averages are commonly reported in the mid-$2,000s per year, and minimum coverage averages are often closer to the high hundreds per year. Your personal quote can be far lower or far higher depending on your state, vehicle, driving history, mileage, credit-based insurance score (where allowed), and coverage limits.

If you want a deeper breakdown of typical pricing, see our guide to State Farm’s average auto insurance cost. If you’re deciding between liability-only and broader protection, start with our overview of buying full coverage car insurance.

What Impacts Your State Farm Quote?

• Driving history: tickets, accidents, and claims can raise rates, while a clean driving record usually lowers them.
• Driver experience: premiums are typically higher for new drivers and younger drivers.
• Vehicle factors: repair costs, theft rates, safety tech, and engine type (including EVs) can change premiums.
• Where you live and park: ZIP code is a major rating factor for most insurers.
• Coverage choices: higher limits and lower deductibles cost more, but may protect you better financially.

State Farm Auto Insurance Discounts

State Farm offers a wide discount menu, but the exact savings (and availability) depend on your state, your vehicle, and your eligibility. If you want to see a longer list, start with our full guide on State Farm discounts.

Drive Safe & Save (Telematics): Telematics programs can reward safe driving habits and lower mileage. State Farm’s program is popular, and it’s a good example of how telematics can help you save on auto insurance. If you’re on the fence, see our breakdown of whether Drive Safe & Save is worth it.

Steer Clear (Young Driver Program): Designed for teen and young adult drivers, Steer Clear combines training and driving practice for potential savings. Eligibility rules vary by state. Learn more in our guide to State Farm’s Steer Clear program.

Student Discounts: State Farm commonly offers student-related savings, including the good student discount and a student away at school discount for eligible families.

Multi-Vehicle Discount: Insuring more than one vehicle on the same policy can reduce your per-car premium.

Bundling Discount: Bundling is often one of the biggest discounts available. If you have multiple insurance needs, learn how to bundle auto and homeowners insurance to save money.

Vehicle Safety and Anti-Theft Discounts: Depending on your car and state, you may qualify for discounts tied to vehicle safety features or an anti-theft device.

Driver Training Discounts: In some states, completing a course may help. Here’s a full explainer on defensive driving course discounts.

Pros and Cons of State Farm

State Farm can be a great fit, especially if you value local support and a large, established insurer. But it’s still smart to compare quotes and coverage details—especially because pricing and claim experiences vary by state and even by local market.

Pros

• Large nationwide footprint with extensive agent support
• Strong lineup of core coverages and common add-ons
• Multiple discount opportunities (safe driving, students, bundling, and more)
• Good digital tools (online account + mobile app) plus 24/7 claims reporting
• Can be competitively priced for many drivers—especially those with strong insurance profiles

Cons

• Discounts, programs, and underwriting rules vary by state (and sometimes by vehicle)
• Customer satisfaction can vary by region, claim type, and local service experience
• Limited “extra” product availability compared to some competitors, including a lack of mechanical breakdown insurance
• State Farm generally does not offer traditional gap insurance as a standard add-on in many cases (confirm options with your agent or lender)
• May offer fewer “loyalty-style” perks depending on your state—see our overview of the State Farm loyalty program

State Farm Reviews and Third-Party Ratings

When you’re comparing insurers, it helps to look at a mix of sources: customer satisfaction studies, complaint data, and financial strength ratings. No single metric tells the whole story, but together they can help you set expectations.

J.D. Power Customer Satisfaction

J.D. Power’s U.S. Auto Insurance Study ranks insurers by region (not nationally) and results can vary significantly depending on where you live. You can review the latest report here: J.D. Power’s 2025 U.S. Auto Insurance Study.

NAIC Complaint Data

The National Association of Insurance Commissioners (NAIC) tracks consumer complaints and publishes complaint index data relative to an insurer’s size. In recent reporting for private passenger auto, State Farm’s complaint index has been above the industry baseline of 1.00 in some years, which indicates more complaints than expected for its market share. Complaint data can also vary by state and product line.

A.M. Best Financial Strength

A.M. Best is one of the most commonly cited insurance rating agencies. In November 2025, A.M. Best downgraded State Farm’s financial strength rating to A+ (Superior) from A++ (Superior). You can read the rating action here: A.M. Best rating announcement.

BBB Profile

The Better Business Bureau (BBB) profile for State Farm’s corporate listing shows a “Not Rated” status (BBB ratings and accreditation are separate from claim-paying ability). Here is the current listing: BBB business profile.

How to Get a Quote, File a Claim, or Cancel

Get a quote: You can start online at State Farm’s auto insurance page or contact a local agent for guidance on coverages and discounts.

File an auto claim: State Farm lets you report claims online, in the app, or by phone. The claims hub is here: StateFarm.com/claims.

Cancel a policy: State Farm outlines cancellation options (phone and in-person) here: How to cancel your State Farm policy.

FAQs About State Farm Car Insurance

Final Word on State Farm

State Farm is a strong option to compare if you want a major insurer with a huge agent network, solid digital tools, and a broad selection of coverages. It can also be a good fit for families (especially with teen drivers) and for drivers who can take advantage of safe-driving and bundling discounts.

That said, pricing and experience can vary by state and even by local market—so the best move is to compare at least a few quotes with the same limits and deductibles before you commit.

State Farm Contact Information

Tip: Coverages, discount names, eligibility rules, and policy terms vary by state. For the most accurate details for your situation, confirm specifics with your State Farm agent or by reviewing your declarations page.