State Farm Automotive Insurance coverage Assessment 2025

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Our Editorial Opinion on State Farm Auto Insurance coverage

State Farm is likely one of the largest insurance coverage suppliers within the business, providing numerous merchandise like householders insurance coverage, life insurance coverage, and pet insurance coverage. The corporate additionally provides monetary merchandise like IRAs, brokerage accounts, and even id theft safety. Nonetheless, State Farm could also be greatest recognized for its automotive insurance coverage, which is obtainable in 48 states and Washington, D.C.

Enterprise Insider in contrast State Farm’s auto insurance coverage merchandise to the best auto insurance policies available on the market and located it to be an excellent selection when you’re in search of a widely known model with reasonably priced premiums, a popularity for good customer support, and numerous low cost alternatives.

State Farm Auto Insurance coverage Assessment

State Farm Auto Insurance coverage stands out amongst rivals for its reasonably priced pricing amongst numerous age brackets, genders, and driving histories. State Farm provides a variety of coverages, together with bikes, vintage automobiles, RVs, off-road autos, and trailer insurance coverage. It additionally provides rideshare protection, which covers drivers after they’re on the clock, however not actively driving a passenger. Nonetheless, notably, the corporate doesn’t supply hole insurance coverage.

State Farm provides numerous reductions to make automotive insurance coverage extra reasonably priced for its clients, together with a usage-based program referred to as Drive Protected & Save, which helps you to obtain reductions for protected driving habits. It additionally provides a Steer Clear program designed for younger and new drivers beneath 25 to enhance their driving and earn reductions.

Each packages are tracked and managed by means of State Farm’s cellular app. Policyholders may also make funds, begin and monitor claims, and request roadside help by means of this app. Opinions point out that the app might be annoying whenever you’re a passenger in a automotive and that it will probably drain your battery.

Whereas the corporate provides many perks that make it a robust contender within the auto insurance coverage area, its combined evaluations on third-party buyer assessment websites, like TrustPilot, generally is a dealbreaker when you worth wonderful buyer expertise and a clean claims course of.

Regardless of some areas for enchancment, State Farm is a good auto insurance coverage firm with over a century of expertise that gives a stable vary of protection choices, riders, and reductions.

Examine State Farm Auto Insurance coverage

State Farm Auto Insurance coverage Execs and Cons 

Weigh these professionals and cons of State Farm auto insurance coverage that will help you resolve whether or not it matches your automotive insurance coverage wants.

State Farm Auto Insurance coverage Execs 

• Inexpensive charges, particularly for teenagers
• Steer Clear Protected Driver low cost for drivers beneath 25
• Drive Protected & Save low cost
• Bundling alternatives
• Extremely-rated cellular app

State Farm Auto Insurance coverage Cons

• Blended buyer evaluations 
• No loyalty low cost
• No hole insurance coverage obtainable
• Not obtainable in Rhode Island or Massachusetts

State Farm Auto Insurance coverage Plans Out there

State Farm is our choose for the best affordable car insurance general. It additionally provides aggressive charges for teen drivers throughout the USA, and due to its measurement and standing, the corporate can present numerous plans with room for less-than-perfect driving information. Listed here are the varieties of auto insurance coverage insurance policies State Farm at the moment provides:

• Collision insurance coverage: Collision insurance covers the prices of repairs and replacements in your car when you collide with one other automotive or an object, akin to a phone pole or a mailbox.
• Complete insurance coverage: This insurance coverage reimburses you for the price of repairs or alternative in case your automotive undergoes harm as a result of a non-collision occasion, akin to theft, hearth, vandalism, or hitting an animal. Comprehensive coverage can preserve you on the highway when you can’t afford to interchange your automotive alone.
• Uninsured and underinsured motorist coverage: If one other get together is at fault for an accident you have been concerned in, this insurance coverage covers the distinction for medical bills, loss in wages, and ache and suffering-related bills. Equally, if an uninsured driver hits you, it can assist with medical and property prices if you do not have collision protection. Nonetheless, your protection matches your legal responsibility protection.
• Liability coverage: Should you’re at fault in an accident, this protection pays for the opposite get together’s medical bills, car repairs, and property harm. Legal responsibility protection is required in various quantities in all states besides New Hampshire.
• Medpay protection: Medical cost protection will cowl medical payments when you or your passengers are injured in an accident, no matter who was at fault. You should use Medpay to complement your medical insurance coverage in case your protection limits are low. It is essential to notice that Medpay and private harm safety (PIP) usually are not the identical factor. PIP covers misplaced wages as a result of harm in an accident, which Medpay doesn’t.

Extra Protection Choices (Riders)

• Rental car reimbursement: You may faucet into this protection if you should use a rental automotive whereas your main car is within the store. This kicks in alongside your collision or complete protection after a coated occasion.
• Journey bills protection: Should you’re in an accident greater than 50 miles from dwelling, this protection pays for meals, lodging, and transportation.
• Rideshare insurance coverage: Usually, your automotive insurance coverage protection stops as quickly as you flip in your rideshare app. Whereas rideshare apps supply protection to their drivers, protection does not kick in except you are actively driving a passenger. Rideshare protection protects you whilst you’re ready for assignments.
• Emergency roadside service: AAA and related firms supply plans that will help you in a pinch. Emergency roadside service can help with numerous conditions, like tire modifications and gas supply. In most insurance policies, drivers can faucet into this protection to reimburse the price of emergency roadside help for only a few {dollars} per renewal interval.

How A lot Does State Farm Auto Insurance coverage Value?

State Farm charges typically fall beneath the average cost of car insurance for various age brackets, genders, and driving histories. The corporate provides many reductions, together with good scholar reductions for highschool and school college students.

It really works with “captive brokers,” which means they’ll solely quote for one firm. This can be lower than supreme when you’re attempting to match quotes. Nonetheless, it is nice if you wish to maximize your reductions. The typical worth by age and intercourse are as follows.

In response to Policygenius, a full-coverage auto insurance coverage coverage from State Farm prices, on common, $95 a month or $1,141 a 12 months.

State Farm Auto Insurance coverage Reductions 

State Farm explicitly provides 11 reductions that will help you save on auto insurance coverage. It additionally provides “hidden auto insurance coverage reductions.” You will want a State Farm agent that will help you determine these reductions. 

• Drive Protected & Save: It can save you as much as 30% when you obtain this usage-based program, which information your protected driving habits. 
• Steer clear program: This program is out there to drivers 25 and beneath. It provides driving-focused coaching that rewards younger drivers for training protected driving habits.
• Bundle and save: Bundle and save permits you to earn reductions when you bundle your householders, renters, or life insurance coverage along with your auto insurance coverage.
• Defensive driver course low cost: Relying on the place you reside, State Farm could will let you earn reductions by taking a driver security course. 
• Good driver low cost: You could possibly earn driver low cost when you’ve gone three or extra years with out visitors violations or at-fault accidents.
• Automobile security financial savings: State Farm provides this low cost when you set up sure security options in your automotive, akin to driver help expertise. 
• Passive restraint low cost: You could possibly stand up to 40% off on medical-related protection in case your automotive is provided with a factory-installed air bag or different passive restraint system. 
• Anti-theft low cost: You might qualify for this low cost in case your automotive has an authorized anti-theft system.
• Good scholar low cost: You could possibly save as much as 25% in case your teen driver receives good grades in school. 
• Driver coaching low cost: You might be eligible for this low cost if all of the operators of your automotive beneath 21 full an authorized driver coaching course.
• Scholar away in school low cost: You might qualify for this low cost if one of many operators of your automotive is a scholar beneath 25 who moved out and solely makes use of the car whereas they’re dwelling throughout college holidays. 

State Farm additionally says that you could be qualify for “hidden auto insurance coverage reductions.” You will want a State Farm agent that will help you determine these reductions.

Find out how to File a Declare with State Farm Auto Insurance coverage

State Farm’s claims course of is comparatively easy. Should you need assistance, contact your insurance coverage agent. Clients may also file claims utilizing its cellular app or name 1-800-732-5246 to talk to an insurance coverage consultant.

If you weren’t at fault and submitting beneath one other get together’s insurance coverage, you’d want the policyholder’s identify, coverage quantity, the incident’s date and time, and the incident’s description. Then you may file claims on-line or over the cellphone. Due to the corporate’s exclusivity, its representatives are extensively educated to streamline the shopper expertise.

State Farm Auto Insurance coverage Buyer Service & Assist Expertise

State Farm has overwhelmingly poor buyer evaluations on-line, receiving a median of 1.5 stars on Trustpilot. The commonest points embody inaccurate on-line quotes, poor buyer help, and issues with the claims expertise.

It is value noting that evaluations pertain to State Farm and all of its providers, not simply auto insurance coverage. Moreover, buyer evaluations ought to be taken with a grain of salt, as they’re usually left by folks with one thing adverse to say.

State Farm’s cellular apps fare higher, receiving a median of 4.6 stars on the Google Play retailer and 4.8 on the Apple app retailer. Some folks have been sad with how intrusive the app is everytime you enter a car, no matter whether or not you are driving. Moreover, clients reported the app draining their battery.

For extra data on buyer satisfaction, we will take a look at scores from third-party organizations.

The Nationwide Affiliation of Insurance coverage Commissioners’ grievance index charges insurance coverage firms primarily based on what number of complaints they obtain towards their share of the market. A 1.00 implies that an organization has an anticipated variety of complaints primarily based on its measurement. A decrease rating signifies fewer complaints than anticipated, and a better quantity signifies extra complaints than anticipated. State Farm Mutual Auto Insurance coverage scored 1.96 on the Firm Grievance Index, indicating that it has almost twice the variety of complaints anticipated for its measurement.

The excessive variety of complaints, which makes up 4.51% of the market in comparison with its 2.3% share of U.S. premiums, reinforces the adverse buyer evaluations.

State Farm positioned sixth out of 21 automotive insurance coverage firms surveyed in J.D. Energy’s claims satisfaction research of 2024 with a rating of 710/1,000, indicating that State Farm clients are extra glad with their claims expertise in comparison with the common driver. For reference, the research common was 697/1,000, and NJM Insurance coverage Co. earned the primary spot with a 782/1,000.

State Farm’s J.D. Energy buyer satisfaction scores from area to area various however typically remained above common. It positioned second in a number of areas, together with Florida, New England, New York, and the Northwest.

Listed here are all of State Farm’s J.D. Energy regional buyer satisfaction scores in contrast towards the area’s common:

• California: 658 vs. regional common of 637
• Central: 647 vs. 647
• Florida: 650 vs. 625
• Mid-Atlantic: 652 vs. 654
• New England: 664 vs. 637
• New York: 662 vs. 647
• North Central: 665 vs. 652
• Northwest: 656 vs. 643
• Southeast: 673 vs. 663
• Southwest: 646 vs. 635
• Texas: 654 vs. 645

State Farm has an A++ (Superior) monetary stability score from AM Finest, the best score attainable. This score affirms State Farm’s capability to fulfill its obligations to policyholders, akin to claims payouts.

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State Farm Auto Insurance coverage Alternate options

Be taught extra about how State Farm stacks up towards different widespread auto insurance coverage choices. 

State Farm vs. Progressive Auto Insurance coverage

Progressive is one other main auto insurance coverage firm, providing insurance policies in all 50 states and Washington, D.C. Progressive provides a wider vary of insurance policies and low cost alternatives than State Farm, with reductions for proudly owning a house, acquiring a quote on-line, and a few accident forgiveness advantages. Progressive additionally provides hole insurance coverage, which State Farm doesn’t.

Progressive and State Farm each have extremely rated cellular apps that permit for handy coverage administration and claims submitting. Each apps have options that monitor driving habits and supply reductions for protected driving. Progressive additionally provides a novel Identify Your Worth instrument that permits clients to set a funds earlier than in search of a coverage.

Whereas Progressive provides better advantages and covers your complete nation, it trails behind State Farm in buyer satisfaction. It positioned second to final in J.D. Energy’s claims satisfaction research and positioned beneath common in all regional buyer satisfaction surveys. Nonetheless, State Farm and Progressive have related NAIC grievance index scores and related evaluations on third-party assessment websites like Trustpilot.

Progressive has an A+ (Superior) monetary energy score from AM Finest, which is not as excessive as State Farm’s A++, nevertheless it’s nonetheless very excessive.

Finally, the selection between Progressive and State Farm comes all the way down to how essential customer support is to you. Progressive provides extra options and advantages, however State Farm’s buyer satisfaction is considerably greater.

Learn our Progressive auto insurance review.

State Farm vs. Farmers Auto Insurance coverage

Farmers Auto Insurance is out there in 42 states and provides a variety of insurance policies and advantages unavailable with State Farm, akin to new automotive alternative insurance coverage, hole insurance coverage, and accident forgiveness. Nonetheless, Farmers has above-average insurance premiums.

Farmers struggles with buyer satisfaction, persistently receiving below-average JD Energy buyer satisfaction scores in virtually all areas besides the Southeast. Farmers additionally positioned final in usage-based insurance coverage buyer satisfaction. Farmers has an A (Glorious) monetary energy score from AM Finest, which is not as excessive as State Farm’s score, however nonetheless signifies it is more likely to meet its monetary obligations.

As soon as once more, the selection between these two suppliers comes all the way down to a tradeoff between advantages and customer support. Should you discover that you will get quite a bit out of the extra advantages Farmers provides, it could be choice. Nonetheless, most individuals will get extra out of State Farm’s greater buyer satisfaction.

Learn our Farmers auto insurance review.

State Farm Auto Insurance coverage FAQ

Why You Ought to Belief Us: How We Reviewed State Farm Auto Insurance coverage

Enterprise Insider’s auto insurance coverage score methodology considers a wide range of elements when reviewing State Farm’s auto insurance coverage.

• Breadth of protection: The usual auto insurance coverage firm provides complete, collision, and legal responsibility protection. As an insurance coverage buyer, you need your insurance coverage firm to have numerous coverage choices to fulfill your driving wants. We take a look at what carriers supply outdoors the usual choices, akin to hole insurance coverage, new automotive alternative, and rideshare insurance coverage. We additionally take a look at obtainable riders and state availability.
• Costs: Coverage prices differ considerably with every applicant as a result of numerous elements like location, age, driving historical past, and the car itself. As such, we take a look at an organization’s common premiums and examine it towards the nationwide common. We additionally take a look at the number of reductions that an insurance coverage supplier provides.
• Customer support: A dependable and clean claims course of is important, which might be achieved by high quality brokers delivering superior customer support. To judge a supplier’s high quality of customer support, we take a look at J.D. Energy’s regional buyer satisfaction surveys and claims satisfaction surveys to see how every supplier ranks amongst its rivals.
• Monetary stability: An insurance coverage firm’s monetary well being signifies an insurer’s longevity and talent to fulfill its monetary obligation. Whereas exceedingly uncommon, an insurance coverage firm’s chapter can jeopardize your coverage. So, we use AM Finest to find out an organization’s capability to face up to financial downturns and reliably pay claims.
• Extra options: Many automotive insurance coverage firms supply related merchandise. As such, we search for any standout options that an insurance coverage firm could supply, like accident forgiveness or distinctive digital instruments that may enhance policyholders’ expertise. These options can imply the distinction between a middling insurance coverage firm and a standout.

Learn extra about how Business Insider rates auto insurance right here.