State Farm Insurance Review: Is It a Good Insurance Company?
ValuePenguin gives State Farm a rating of 4/5 stars. It's a good insurance company with cheap rates and helpful local agents, although its customer service has gotten worse in recent years.
Find Cheap Car Insurance Quotes in Your Area
Get State Farm if:
- You want cheap rates
- You want to work with a local agent
- You want all your policies with one company
Skip State Farm if:
- You want the best customer service
- You want lots of extra coverage options
Overall ValuePenguin rating: 4/5
Rating breakdown | |
|---|---|
| Price | 5.0/5 |
| Coverage | 4.5/5 |
| Customer service | 2.2/5 |
| Unique value | 5.0/5 |
Your experience with State Farm can depend a lot on the quality of your insurance agent. Finding a good agent near you can make managing your policies and filing claims much easier.
It might be helpful to call and speak directly with several State Farm agents. The quotes themselves probably won't be different, but working with a few agents lets you evaluate the service you get and decide if that agency is a good fit for you.
State Farm pros and cons
Pros
- Cheap rates
- Good car insurance service
- Available almost everywhere
- Local agents give personalized guidance
Cons
- Customer satisfaction is mixed
- Home insurance claims may be frustrating
- Not as many add-on coverages as some companies
State Farm car insurance review
State Farm car insurance is a good choice for most people.
The company has cheap rates, good service and helpful local agents. However, it might not be the best option if you want to handle your policies online. Although State Farm does have digital tools, you may have to work with a local agent to manage your policies.
ValuePenguin rating: State Farm car insurance:
Rating breakdown | |
|---|---|
| Price | 5.0/5 |
| Coverage | 3.3/5 |
| Customer service | 3.3/5 |
| Unique value | 5.0/5 |
State Farm car insurance cost
Full coverage car insurance from State Farm costs $192 per month, on average. That's about 8% cheaper than the national average for full coverage.
- State Farm also has cheap minimum coverage rates, at an average of $73 per month.
- However, State Farm usually isn't the cheapest car insurance company. Several other companies, including Erie, American Family and Travelers, often have cheaper average rates than State Farm.
Find Cheap Car Insurance Quotes in Your Area
State Farm auto quotes vs. competitors
Company | Minimum cov. | Full cov. | |
|---|---|---|---|
| Erie | $53 | $154 | |
| American Family | $60 | $159 | |
| Auto-Owners | $52 | $171 | |
| Travelers | $68 | $173 | |
| Geico | $65 | $187 | |
| State Farm | $73 | $192 | |
| Progressive | $75 | $207 | |
| Allstate | $113 | $282 | |
| Farmers | $107 | $293 | |
| USAA* | $41 | $125 | |
*USAA is only available to military members, veterans and their families.
Data-powered research on State Farm insurance
| 32,693 ZIP codes for accurate rates nationwide |
| Data-powered research on State Farm insurance |
|---|
State Farm also has excellent rates for young drivers and those with an accident or ticket on their record.
However, it's not a cheap option for drivers with DUIs or poor credit scores. In that case, it's a good idea to shop around and compare quotes from other companies.
Rates for teens
$554/mo
$599/mo
Rates after a ticket
$210/mo
$258/mo
Rates for DUIs
$469/mo
$391/mo
Rates after an accident
$218/mo
$310/mo
Rates for poor credit
$801/mo
$412/mo
State Farm car insurance discounts
State Farm has similar car insurance discounts to most other major companies. It offers two relatively unique safe-driving programs, Steer Clear and Drive Save & Save, that can help you get a cheaper rate based on your driving patterns.
Install an anti-theft device in your car, like LoJack
Take a driver safety course
Go three years or more without an at-fault accident or ticket
Insure multiple cars with State Farm
Have a student driver on your policy who lives away from home and only uses the car when they're visiting home
Get home, renters, condo or life insurance from State Farm along with your auto policy
Drivers under the age of 21 might save if they complete an approved driver's education course
Have a student on your policy with a GPA of 3.0 or higher
If your car has an air bag and other passive restraint systems, you could save on coverage that pays for medical bills
Cars that have certain safety features get a cheaper rate
Steer Clear driver program
State Farm Steer Clear is a car insurance discount program designed to help young people improve as drivers.
To get the discount, you must:
- Be 24 or younger
- Have a valid driver’s license
- Not have any at-fault accidents or moving violations in the past three years
Then, you have to complete the requirements, which include watching videos, taking quizzes and recording your driving trips using the Steer Clear app.
The size of the Steer Clear discount varies by state. Your State Farm agent can help you navigate the program, which is available online or on your Steer Clear mobile app.
Steer Clear is available in all states except California, Hawaii, Massachusetts, North Carolina and Rhode Island.
Drive Safe & Save
State Farm customers can earn a discount for practicing safe driving habits with the Drive Safe & Save program.
Drive Safe & Save uses a mobile app to track your driving habits, like speeding and sharp turns. State Farm uses this info to determine how much you can save, which could be up to 30%.
Drive Safe & Save is not available in California, Massachusetts or Rhode Island. Eligibility in North Carolina depends on your unique situation.
State Farm car insurance coverages
State Farm offers several useful car insurance coverage add-ons, including rideshare coverage and coverage for classic cars.
State Farm also offers all the standard car insurance coverage you'd expect, like liability coverage and coverage for your car.
Roadside assistance
State Farm roadside assistance pays for towing, delivery of gas or oil, a new battery or a tire change if your car breaks down on the side of the road. It also covers the cost of a locksmith if you get locked out of your car.
Rental car coverage
Rental car reimbursement and travel expenses coverage pays for a rental car while your car is in the shop after an accident.
It also covers certain expenses if your car breaks down while traveling. State Farm pays up to $500 for a hotel, transportation and meals if your car breaks down while you're away from home.
To use travel expenses coverage, your car has to be undrivable and covered by comprehensive or collision insurance.
Classic car coverage
State Farm partners with Hagerty to offer State Farm Classic+.
Classic car coverage typically insures your car based on a value that you and the insurance company agree on in advance, which is important because classic cars often have unique features that bump up their values. This is usually called agreed value insurance.
State Farm considers a car classic if it's more than 10 years old or a replica of a car over 10 years old. The car also has to be for pleasure use only, such as going to clubs, exhibitions or pleasure driving. It can't be the car you use every day.
State Farm auto insurance reviews and ratings
State Farm tends to have good customer service for its car insurance policies.
The company gets 41% fewer complaints about its car insurance service compared to an average company its size, according to the National Association of Insurance Commissioners (NAIC).
Plus, State Farm usually ranks highly in J.D. Power's annual surveys.
That means most people are typically happy with the service they get from their State Farm agent and other State Farm representatives, like claims adjusters. You can probably count on State Farm to handle car insurance claims and other issues quickly and efficiently, which gets you back to normal faster.
How to file a car insurance claim with State Farm
There are multiple ways to file an auto insurance claim with State Farm. You can file a claim on the company's website, via its app or by phone. You can also call your agent directly, and they can file the claim.
- State Farm auto claims phone number: 800-732-5246
- Auto glass claims: 888-624-4410
- Emergency roadside assistance: 877-627-5757
State Farm home insurance review
State Farm has cheap home insurance rates, but its customer service isn't always the best.
That might mean trouble getting your house fixed if you have to file a claim. State Farm also doesn't have as many coverage add-ons as other companies, which can make it challenging to personalize your policy.
ValuePenguin rating: State Farm home insurance:
Rating breakdown | |
|---|---|
| Price | 5.0/5 |
| Coverage | 5.0/5 |
| Customer service | 1.7/5 |
| Unique value | 5.0/5 |
State Farm stopped selling new home insurance policies in California in May 2023.
State Farm home insurance cost
State Farm has one of the cheapest average home insurance rates in the country at $1,617 per year for $350,000 in dwelling coverage.
- State Farm's average rate is 32% cheaper than the national average.
- The company also has cheap rates for more and less expensive homes.
- It's still a good idea to shop around and compare quotes, especially considering that State Farm's home insurance customer service has been declining.
Find Cheap Homeowners Insurance Quotes in Your Area
State Farm home insurance rates vs. competitors
Company | Avg. rate (annual) | |
|---|---|---|
| State Farm | $1,617 | |
| Allstate | $2,144 | |
| Farmers | $2,502 | |
| Auto-Owners | $2,886 | |
| Travelers | $2,929 | |
| American Family | $3,066 | |
| Nationwide | $3,102 | |
| Erie | $3,167 | |
| USAA* | $2,200 | |
Rates are for $350,000 in dwelling coverage. *USAA is only available to military members, veterans and their families.
State Farm also has cheap rates for homes that need more or less dwelling coverage.
Rates for $200K dwelling coverage
$1,168/yr
$1,585/yr
Rates for $350K dwelling coverage
$1,617/yr
$2,395/yr
Rates for $500K dwelling coverage
$2,015/yr
$3,222/yr
Rates for $1 million dwelling coverage
$3,092/yr
$5,812/yr
State Farm home insurance coverage
State Farm offers typical homeowners insurance coverages. It also has a few ways to upgrade your policy with coverage add-ons.
State Farm Home Systems Protection pays to repair or replace home equipment damaged by an accidental mechanical or electrical breakdown. This can include things like your AC unit or fridge.
This coverage helps pay for the costs associated with the fire department coming to your house. For example, if your house is on fire and the fire department responds, you'll usually get a bill in the mail. State Farm can help cover that cost.
If someone steals your identity, State Farm assigns you a case manager to work with your bank, creditors and credit bureaus.
In addition, this coverage helps pay for:
- Data recovery after a cyberattack
- Identity restoration after theft
- Professional help and reimbursement if you're a victim of cyberextortion
Water backup coverage pays for water damage due to a sewer, drain or sump pump backup.
You may be able to add other coverage options depending on where you live.
In addition, a policy from State Farm includes standard home insurance coverage. This includes protection for the structure of your home and belongings. It also includes personal liability and medical payments coverage if a guest is hurt in your home or you damage someone else's property.
State Farm also offers customers access to its Select Service Program.
This optional service connects you with contractors who can fix or replace your roof and floor, offer water removal services and more.
The Select Service Program can be beneficial because it guarantees repairs up to five years after a covered loss. However, it's not yet available everywhere.
State Farm home insurance discounts
State Farm offers a few common ways to save on homeowners insurance costs.
Bundling
If you buy your home and car insurance both from State Farm, you can save on both policies. You might also save by buying other types of insurance, such as a boat or ATV policy.
Home security
You might get a cheaper rate if your house has smoke, fire or burglar alarms, as well as other home safety features like fire extinguishers.
Roofing
In 26 states, you can get a cheaper rate on State Farm home insurance by having a roof that's resistant to hail damage.
- Alabama
- Arkansas
- Colorado
- Georgia
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- New Mexico
- North Dakota
- Ohio
- Oklahoma
- South Carolina
- South Dakota
- Tennessee
- Texas
- Wisconsin
- Wyoming
Wind mitigation
If your home meets specific building construction standards or has features that make wind damage less likely, such as shutters and hurricane-resistant doors, you might get a discount on your home insurance.
State Farm offers wind mitigation discounts in 18 states and Washington, D.C.
- Alabama
- Connecticut
- Delaware
- Florida
- Georgia
- Louisiana
- Maine
- Maryland
- Massachusetts
- Mississippi
- New Hampshire
- New Jersey
- North Carolina
- Oklahoma
- Rhode Island
- South Carolina
- Texas
- Virginia
Wildfire mitigation
If you work to protect your home from wildfire damage, State Farm may give you a discount. Homes in certain communities might automatically get a discount. Or you might get a specific discount on your house if it has fire mitigation features.
However, this discount is only available in California and only to current policyholders. State Farm hasn't sold new home insurance policies in California since May 2023.
State Farm home and renters insurance ratings and reviews
State Farm doesn't get the best reviews for its home and renters insurance service.
The company gets 35% more complaints than expected for a company its size, according to the NAIC. And J.D. Power ranks State Farm below average for claims satisfaction. That means it's possible you'll have a bad claims experience with State Farm, which can make it hard to get your home fixed after it's damaged.
How to file a home or renters insurance claim with State Farm
You can file an insurance claim with State Farm in four ways:
- Call your local agent Call State Farm directly at 800-732-5246
- File your claim on the company's website
- Use the State Farm app
If you have an emergency during regular business hours, the best way to file a claim is to call your local State Farm agent.
State Farm renters insurance review
State Farm has cheap renters insurance rates and enough coverage for most renters.
However, if you have expensive jewelry, sports equipment or firearms, you may want to add extra coverage.
ValuePenguin rating: State Farm renters insurance:
Rating breakdown | |
|---|---|
| Price | 5.0/5 |
| Coverage | 5.0/5 |
| Customer service | 1.7/5 |
| Unique value | 5.0/5 |
State Farm renters insurance cost
State Farm has very cheap renters insurance, at an average of $13 per month for $30,000 in contents coverage.
- At $13 per month, State Farm has the cheapest renters rates for most people.
- However, it's still a smart idea to shop, especially if you want to bundle your car and renters insurance. While State Farm's car insurance is cheap, it's not usually the cheapest. That means you might find a better car-and-renters package somewhere else.
Find Cheap Renters Insurance Quotes in Your Area
State Farm renters insurance rates vs. other companies
Company | Avg. rate (monthly) | |
|---|---|---|
| State Farm | $13 | |
| Lemonade | $16 | |
| Amica | $20 | |
| Allstate | $24 | |
| Progressive | $24 | |
| Assurant | $26 | |
| Farmers | $30 | |
| American Family | $41 | |
State Farm renters insurance coverage
Depending on where you live, you can add different optional coverages to your policy to personalize it.
- Identity restoration coverage
- Backed-up pipes
- Replacement cost coverage
- Valuable items
- Extended liability
- Coverage for damage caused by pets
A State Farm policy also comes with the standard coverage you would expect from renters insurance. For example, a State Farm renters policy will pay to replace your things after a break-in.
It will also cover some medical bills if a guest slips and falls in your apartment.
State Farm vs. other companies
State Farm vs. Farmers
State Farm | Farmers | |
|---|---|---|
| ValuePenguin rating | 4.0/5 | 2.9/5 |
| Auto rates | Cheap | Expensive |
| Home rates | Cheap | Expensive |
| Auto service | Good | Mixed |
| Home service | Mixed | Mixed |
State Farm vs. Erie
State Farm | Erie | |
|---|---|---|
| ValuePenguin rating | 4.0/5 | 4.0/5 |
| Auto rates | Cheap | Cheap |
| Home rates | Cheap | Expensive |
| Auto service | Good | Good |
| Home service | Mixed | Good |
State Farm vs. Nationwide
State Farm | Nationwide | |
|---|---|---|
| ValuePenguin rating | 4.0/5 | 4.0/5 |
| Auto rates | Cheap | Expensive |
| Home rates | Cheap | Expensive |
| Auto service | Good | Good |
| Home service | Mixed | Mixed |
Frequently asked questions
How much is State Farm car insurance?
Full coverage car insurance from State Farm costs $192 per month, on average. Minimum coverage is about $73 per month. Both those rates are cheaper than the national averages. But even when a company is cheap, it's still a good idea to shop around and compare quotes.
Is State Farm insurance good?
Yes, State Farm is a good insurance company. The company has cheap rates and good auto insurance customer service, as well as helpful local agents. However, its home insurance service ratings are trending down, which could mean some people have issues getting their homes fixed after damage.
Does State Farm actually pay out claims?
Yes, State Farm pays out claims. The company has above-average claims service for car insurance, according to J.D. Power. But State Farm's home insurance claims service is rated below average. Keep in mind that every claim is unique and your experience depends on your agent, claims adjuster and the details of your policy.
Methodology
To compare the cost of State Farm's auto, homeowners and renters insurance, ValuePenguin used sample profiles based on typical customers.
Auto insurance methodology
To find the average cost of State Farm car insurance and average rates for competitors, ValuePenguin compiled quotes from all 50 states across the U.S. Rates are for a 30-year-old single man with a clean driving record and good credit score who owns a 2018 Honda Civic EX.
Full coverage quotes include higher liability limits than required in each state, along with collision and comprehensive coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision deductibles: $500
Rates come from Quadrant Information Services, which gets its data from publicly filed insurance company filings. Quotes are for comparison purposes only. Your rates will be different and based on your unique situation.
Home insurance methodology
ValuePenguin compared rates for State Farm with other top insurance companies across the country. Home insurance rates are for a 45-year-old married man with a good credit score and no prior insurance claims.
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $1,000
Home insurance data is from Quadrant Information Services, which sources its rates from public insurance company rate filings. All quotes shown here are for comparison purposes only. Your quotes will likely be different.
Renters insurance methodology
ValuePenguin compiled quotes from the largest renters insurance companies in each state to find the average cost of State Farm renters insurance, where the data was available. Rates are from 2024 and are for an unmarried 30-year-old man with no pets or roommates, living in a multiunit building with the following limits:
- Personal property: $30,000
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $500
About the Author
Senior Writer
Licensed Insurance Agent
Cate Deventer is a Senior Writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
