State Farm Insurance Review: Auto, Home and Renters
Editor's Rating
State Farm is a good choice for insurance, especially if you're shopping for multiple policies. The company sells a wide range of insurance products at cheaper-than-average rates, including auto, home, renters, condo and life insurance.
State Farm offers lots of auto insurance discounts — including good student and good driver discounts — and helpful customer service, which can make your life easier if something happens.
Note for California homeowners: State Farm has temporarily stopped offering home insurance in California as of May 2023.
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Our thoughts on State Farm insurance
Bottom line: If you're looking for low rates, dependable customer service and a one-stop shop for all of your insurance needs, you should consider State Farm.
State Farm is well-established throughout the United States — it's the largest auto insurance company in 33 states and the largest homeowners insurance company in 39 states.
State Farm provides customers with a wide range of products, including bank accounts, personal loans, investments and numerous types of insurance, including motorcycle, boat, small business, life and health.
Shoppers looking for a personalized experience with a local insurance agent are likely to find just that with State Farm, as it has a network of over 19,000 agents. This is in stark contrast to some other large insurers — particularly Geico and Progressive — that have fewer dedicated agents to help you make the best decisions about coverage.
State Farm is also a good choice for those who prefer the convenience of managing their insurance policies online. It has positive reviews for its mobile app, which allows customers to pay their bills, file claims and request roadside assistance.
Compare State Farm to other top auto insurance companies | |
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State Farm car insurance
State Farm auto insurance quotes
State Farm's auto insurance rates are cheaper than its competitors' rates by an average of 44%, based on the quotes we gathered. The company quoted $417 per year for minimum coverage and $1,045 per year for a full-coverage policy.
Find Cheap Auto Insurance Quotes in Your Area
Drivers who can take advantage of some of State Farm's discounts may be able to pay even less for car insurance.
Average monthly car insurance rates
Minimum coverage
Full coverage
Full coverage after an accident
Company | Monthly rate | |
|---|---|---|
| State Farm | $35 |
| Country Financial | $39 |
| Geico | $85 |
| Progressive | $91 |
Minimum coverage
Company | Monthly rate | |
|---|---|---|
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| State Farm | $35 |
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| Country Financial | $39 |
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| Geico | $85 |
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| Progressive | $91 |
Full coverage
Company | Monthly rate | |
|---|---|---|
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| State Farm | $87 |
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| Country Financial | $101 |
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| Progressive | $192 |
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| Geico | $215 |
Full coverage after an accident
Company | Monthly rate | |
|---|---|---|
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| State Farm | $95 |
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| Country Financial | $121 |
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| Progressive | $227 |
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| Geico | $264 |
Rates may vary by region and driver, so the best way to get the cheapest rates is to compare car insurance quotes.
State Farm auto insurance discounts
Drivers looking for ways to lower their auto insurance payments will find a wide variety of discounts from State Farm, including two discounts for safe drivers that offer major benefits.
- Accident-free discount
- Anti-theft device discount
- Bundle policies
- Defensive driving discount
- Driver training discount
- Good student discount
- Good driver discount
- Multicar discount
- Passive restraint discount
- Student away at school discount
- Vehicle safety discount
Highlighted discount: Steer Clear driver program
This program is designed for those under 25 years old to brush up on their driver education. Steer Clear includes course training, practice driving and mentorship. Your State Farm agent can help you navigate the program, which can be completed online or on your mobile app. This program is available in all states except California, Hawaii, Massachusetts, North Carolina and Rhode Island.
Highlighted discount: Drive Safe & Save
Drivers who enroll in the Drive Safe & Save program get an automatic discount on their auto insurance rates just for signing up. This program uses data from your vehicle's OnStar system or the Drive Safe & Save mobile app to track your driving habits. State Farm will use this information at each policy renewal to determine how much you can save — which could be up to 50%.
State Farm auto insurance coverages
State Farm offers customers all of the standard car insurance coverages, including liability insurance, uninsured/underinsured motorist coverage, collision and comprehensive insurance and personal injury protection.
It also offers a few other valuable policy add-ons, such as rental car and travel expenses coverage and rideshare insurance.
Highlighted benefit: Rental car and travel expenses
While rental car insurance is a pretty standard optional coverage among insurers, State Farm's coverage goes above and beyond by paying up to $500 for a hotel, transportation and meals if your vehicle is damaged while you're away from home.
To take advantage of travel expenses coverage, your car has to be undrivable due to an incident that falls under your comprehensive or collision insurance.
Highlighted benefit: Rideshare insurance
If you drive for Uber or Lyft (either part time or full time), then you need to buy a separate rideshare insurance policy. State Farm offers rideshare insurance that extends the coverages from your personal car insurance policy to cover you while you're working. Typically, adding rideshare coverage to your insurance policy raises your rates by 15% to 20%.
State Farm classic car coverage
In 2022, State Farm partnered with Hagerty to offer a coverage called State Farm Classic+. State Farm had previously offered classic car coverage, but Hagerty is an industry leader in that area. The companies expect to offer coverage in every state by 2023.
State Farm considers a car classic if it is between 10 and 24 years old and has historic interest — for example, a hot rod or muscle car.
Classic car coverage is usually built around agreed value insurance in which the owner and company agree on a fixed value for the vehicle. Classic cars are more difficult to repair, so it often makes sense to have an insurer with specialized knowledge.
State Farm home insurance
State Farm homeowners insurance quote comparison
State Farm's homeowners insurance rates are very competitive — 16% cheaper than average across several different dwelling coverage amounts.
Find Cheap Homeowners Insurance Quotes in Your Area
Insurance rates may vary widely by region and property. We recommend gathering multiple quotes to ensure you get the best rate.
Home insurance quotes by dwelling coverage amount
$150,000
$350,000
$550,000
Company | Annual rate | |
|---|---|---|
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| State Farm | $800 |
| Allstate | $843 |
| Farmers | $879 |
| American Family | $1,307 |
$150,000
Company | Annual rate | |
|---|---|---|
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| State Farm | $800 |
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| Allstate | $843 |
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| Farmers | $879 |
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| American Family | $1,307 |
$350,000
Company | Annual rate | ||
|---|---|---|---|
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| Allstate | $1,128 | |
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| State Farm | $1,331 | |
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| Farmers | $1,356 | |
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| American Family | $2,215 |
$550,000
Company | Annual rate | |
|---|---|---|
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| Allstate | $1,547 |
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| State Farm | $1,982 |
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| Farmers | $2,106 |
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| American Family | $3,218 |
State Farm homeowners insurance coverage
State Farm offers all the homeowners insurance coverages you'd expect from a national insurer, such as personal liability, medical payments and dwelling coverages. The company also offers the following optional coverages:
- Water backup coverage: Pays for water damage due to a sewer, drain or sump pump backup.
- Identity theft protection: If your identity is stolen, State Farm provides you a case manager to coordinate with your bank, creditors and credit bureaus. In addition, this coverage helps pay for data recovery after a cyber attack, identity restoration after theft and professional assistance and reimbursement if you're a victim of cyber extortion.
- Home systems protection: Pays to repair or replace home equipment, like an AC unit or fridge, damaged by accidental mechanical or electrical breakdown.
- Service line coverage: Covers the cost to repair or replace exterior underground water and sewer piping, electrical service lines and data lines that you own if they fail or are accidentally broken.
Highlighted benefit: Premier Service Program
The Premier Service Program is an optional service that puts you in touch with participating contractors that can provide roof and floor repairs and replacement, water removal services and more. This program can be beneficial because the repairs are guaranteed for up to five years for a covered loss. However, it's not yet available in all locations.
State Farm home insurance discounts
State Farm offers a few fairly standard ways to save on homeowners insurance costs:
- Home security discount
- Multipolicy bundling discount
- Damage-resistant roofing material discount
State Farm renters insurance
State Farm renters insurance cost
State Farm has the cheapest renters insurance rates among major insurers — 30% below average.
Find Cheap Renters Insurance Quotes in Your Area
Getting an online quote for renters insurance from State Farm is easy and quick — we were able to gather several quotes in under 10 minutes.
Average monthly renters insurance rates
Company | Monthly rate | ||
|---|---|---|---|
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| State Farm | $13 | |
| Travelers | $17 | |
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| Allstate | $19 | |
| Liberty Mutual | $19 | |
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| Farmers | $26 |
State Farm renters insurance coverage
State Farm renters insurance provides all of the standard coverage options that you would expect from a major insurer, along with a few extra options to customize your policy.
Highlighted benefit: Identity restoration
For $25 per year, State Farm's identity restoration coverage comes with case management and expense reimbursement in case your personal info is stolen. You'll also get credit monitoring to reduce the chances your info gets compromised.
If thieves hijack your identity and use it to commit theft or fraud, State Farm will assign you a case manager to work with your credit card company, bank and credit bureaus to help restore your identity.
State Farm will also reimburse you for up to $25,000 to cover the cost to recover your identity and settle any lawsuits. You're also covered up to $15,000 if you're a victim of ransomware.
State Farm insurance ratings and customer service reviews
Customers can expect better-than-average customer service with State Farm. The company has high scores from J.D. Power for overall customer satisfaction, claims satisfaction and shopping experience.
These metrics show that customers are generally happy with the service they get from State Farm.
It's important to choose an insurer with a good customer service reputation because it can make your life easier if you have to file a claim by making decisions quickly and helping repair damage fast.
According to the NAIC Complaint Index, State Farm gets fewer complaints than a typical insurer of its size.
The National Association of Insurance Commissioners' (NAIC) Complaint Index measures the number of complaints a company gets in relation to the size of its customer base. State Farm scored 0.74 for home and renters insurance and 0.97 for auto insurance — below the 1.0 average.
State Farm has an A++ financial strength rating from AM Best, which is the highest rating an insurer can get.
A high rating means that customers do not need to worry about whether their insurance company will have enough funds to pay claims. Note that this does not mean that State Farm is more likely to approve an insurance claim, just that it has the funds necessary to pay settlements.
How to file a claim with State Farm
There are multiple ways to file an insurance claim with State Farm.
State Farm's online claims process is streamlined and informative. You can file auto, home, renters, health, life and business claims on the company's website or via its app. The online claims process takes about 10 minutes to complete, after which you can easily keep track of your claim.
Customers can also file claims over the phone. If you work with an agent, you can file a claim through your local office during business hours. You can also call the numbers below.
- For auto, home and property claims, call (800) 732-5246.
- For auto glass claims, call (888) 624-4410.
- For emergency roadside assistance, call (877) 627-5757.
- To make a payment, call (800) 440-0998.
Frequently asked questions
Is State Farm a good insurance company?
State Farm is a good insurance company — we gave it an overall rating of 4.5/5. The company has cheap auto and home insurance rates and the best renters insurance rates that we found. It also has a reputation for dependable customer service and financial stability, which is important if you have to use your insurance and file a claim.
Does State Farm offer health insurance?
State Farm offers health insurance along with a wide range of insurance products, including life, disability, liability, small business and pet medical insurance.
What does State Farm full-coverage auto insurance cover?
Full-coverage auto insurance from State Farm includes:
Comprehensive coverage Collision coverage Liability coverage Uninsured/underinsured motorist coverage Medical payments coverageThe company also offers emergency roadside assistance, car rental and travel expenses coverage and rideshare driver coverage as optional add-ons.
How much is State Farm car insurance?
The average cost of State Farm car insurance is $417 a year for minimum coverage, $1,045 for full coverage and $1,131 for drivers with an at-fault accident on their records. Auto insurance rates vary based on age, vehicle type, location, driving history and other factors, so your quotes may differ.
Is State Farm expensive?
State Farm has very competitive insurance rates. Its auto insurance rates are 33% cheaper than its competitors, on average, and home insurance rates are 16% cheaper. State Farm has the cheapest renters insurance rates we found — 30% less than other major insurers.
Where is State Farm available?
State Farm has insurance customers nationwide — it is the
Does State Farm offer gap insurance?
You cannot buy gap insurance from State Farm. However, drivers who have a State Farm car loan are automatically enrolled in its Payoff Protector program. The company will cancel the remaining balance on your loan minus your insurance payout after your car is totalled, as long as your loan is in good standing.
Methodology
To compare the cost of State Farm's auto, homeowners and renters insurance policies, we used sample profiles based on typical customers.
For our auto insurance review, we compiled quotes for a 30-year-old male living in Illinois and operating a 2015 Honda Civic EX, based on the following coverage levels:
Minimum coverage
Full coverage
Coverage | Limit |
|---|---|
| Bodily injury liability | $25,000/$50,000 |
| Property damage liability | $20,000 |
| Uninsured motorist bodily injury | $25,000/$50,000 |
| Underinsured motorist bodily injury | not included |
| Comprehensive deductible | not included |
| Collision deductible | not included |
Minimum coverage
Coverage | Limit |
|---|---|
| Bodily injury liability | $25,000/$50,000 |
| Property damage liability | $20,000 |
| Uninsured motorist bodily injury | $25,000/$50,000 |
| Underinsured motorist bodily injury | not included |
| Comprehensive deductible | not included |
| Collision deductible | not included |
Full coverage
Coverage | Limit |
|---|---|
| Bodily injury liability | $50,000/$100,000 |
| Property damage liability | $25,000 |
| Uninsured motorist bodily injury | $50,000/$100,000 |
| Underinsured motorist bodily injury | $50,000/$100/000 |
| Comprehensive deductible | $500 |
| Collision deductible | $500 |
For our homeowners insurance review, we collected quotes for $150,000, $350,000 and $550,000 of dwelling coverage. Quotes are for a married man who lives in a house in Illinois built in 1977. He has been claims-free for five years and has an average credit score.
For our renters insurance reviews, we compiled quotes from the five largest insurance companies in each state, where the data was available. Our sample renter is an unmarried 30-year-old male, with no pets or roommates, living in a multi-unit building, with the following limits:
Coverage | Amount |
|---|---|
| Personal property | $30,000 |
| Personal liability | $100,000 |
| Medical | $1,000 |
| Deductible | $500 |
Home and auto insurance quotes used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may differ.