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State Farm is currently the largest insurer in the country, according to the National Association of Insurance Commissioners, but State Farm has more than just size going for it as a carrier. It also has a score of 864 on the J.D. Power 2018 U.S. Auto Claims Satisfaction Study, that’s above the industry average of 861, and higher than competitors like Nationwide, Allstate, GEICO and Progressive.
While its website and online quote generator aren’t the sleekest in the business, State Farm wins when it comes to discounts and ways to save. State Farm’s Drive Safe & Save program is similar to some on offer from competitors — it tracks your driving through a smartphone app or through your OnStar, if you have one, and then awards discounts based on safe driving patterns.
These usage-based programs can be a great way to save if you’re a safe and consistent driver who doesn’t mind sacrificing some of your privacy.
But State Farm also has a similar program aimed at teens and young adults under 25 (an age group that is notoriously expensive to insure).
The State Farm Steer Clear program not only tracks driving behavior through an app, it also has informational videos and quizzes. Young drivers who complete the Steer Clear program can get a discount on their car insurance — a big deal if you’re paying high rates to insure a teen.
State Farm auto insurance is available in all fifty states, including Alaska and Hawaii, which isn’t true of all of its competitors. But while State Farm offers all the types of car insurance coverage that most drivers will need, it doesn’t offer some of the more premium types of coverage you might find with other insurers. And it can be pricier than similar competitors. That said, depending on your quotes, State Farm is a solid choice for the average driver.
Market Share: 17.05%
A.M. Best rating: A++
Better Business Bureau rating: A
J.D. Power Claims Satisfaction rating: 864
State Farm auto insurance is available in all 50 states and the District of Columbia.
State Farm has all the coverage options you’ll need if you’re looking for what’s referred to as full coverage, meaning auto insurance that includes liability plus comprehensive coverage and collision coverage. It doesn’t have many options for drivers who need more specialized types of coverage, although State Farm does offer auto insurance coverage for rideshare drivers.
Liability coverage - Liability coverage protects you from the financial burden if you cause an accident, damage property or injure someone with your vehicle. It’s required in most states.
Personal injury protection - Covers medical expenses if you or your passengers are injured in a car accident. Also covers other related expenses, like lost wages.
Uninsured/underinsured motorist coverage - Covers the costs if you’re in an accident caused by a driver who either doesn’t have insurance or whose insurance doesn’t cover the full extent of the damage.
Collision coverage - Covers damage to your own vehicle after an accident, regardless of who was at fault.
Comprehensive coverage - Covers any damage to your car that isn’t caused by a collision, including damage from extreme weather, falling objects, flood, fire, vandalism and theft.
Emergency road service coverage - Covers towing to the nearest repair location if your car breaks down, plus locksmith services, tire changes and fuel or fluid deliveries.
Car rental and travel expenses coverage - Pays for a rental car if yours is in the shop, and covers travel expenses like food and lodging if you’re in an accident more than 50 miles from your home.
Rideshare coverage - Extends your regular car insurance coverage to cover you while you’re driving for services like Lyft and Uber, covering you when the app is on but you don’t have a passenger.
The cost of your car insurance depends on a number of specific factors, like your zip code, age, driving history, credit score and the type of car you drive. That means it’s very hard to predict what any given driver will pay for car insurance. That said, let’s take a look at a sample State Farm auto policy to see what an average driver might pay for car insurance.
Our sample driver is a single, 30-year-old woman in Minneapolis, Minnesota who drives a 2014 Toyota Camry. State Farm quoted her a total of $270.14 a month, which is $1,620.84 for a six-month policy.
|Basic Coverages||Policy Limits|
|Bodily injury liability||$50,000 each person, $100,000 each accident|
|Property damage liability||$50,000 each accident|
|Personal injury protection||$20,000 each person|
|Uninsured motorists bodily injury||$50,000 each person, $100,000 each accident|
Monthly premium = $270.14
Like its major competitors, State Farm offers a range of discounts based on your driving behavior, vehicle features or other factors.
Those include a good driving discount for going three or more years without an accident or violation, a good student discount for maintaining above a certain GPA and discounts for bundling your auto policy with a home, renters or condo policy.There are also discounts for having a vehicle with an alarm or similar anti-theft device.
State Farm’s online quote generator is less streamlined than some of its competitors’, and it requires a driver’s license number or Social Security number to get your quote, which isn’t always necessary with other carriers. But the quoting tool suggested nearby State Farm agents for our sample driver to work with, and it also generated three coverage tiers as a final quote — a bare-bones, standard and premium option.
On the J.D. Power 2018 U.S. Auto Claims Satisfaction Study, State Farm scored 864, just above the industry average of 861. That gives it a higher score than competitors like Nationwide, Allstate, GEICO, Esurance and Progressive.
But it was lower than some other major car insurance providers that are known for claims satisfaction and customer service, like Farmers, Amica and USAA. State Farm customers can file claims online, over the phone or through the State Farm mobile app.
Online, some drivers complained that State Farm had dropped them after making a claim, but others praised the company’s fast response time after first filing. As with many insurance companies, claims experiences will vary.
Motorcycle - Coverage for your bike
Off-road vehicle insurance - Coverage for your ATV, camping trailer, golfcard, snowmobile, minibike, snowbike or dune buggy
Renters insurance - Coverage for your rental unit and all the stuff inside it
Motorhome insurance - Coverage for your home on wheels
Boat insurance - Coverage for your seafaring vessel (or your lake, river or pond-faring vessel)
Home insurance - Coverage for your house
Condominium insurance - Coverage for whatever your HOA’s master policy doesn’t cover
Personal articles insurance - Coverage for expensive personal items like jewelry, musical instruments, medical devices, cameras and collectibles
Online quote generator
State Farm mobile app for paying bills, filing and tracking claims and roadside assistance
Drive Safe and Save and Steer Clear programs track your driving through apps and award discounts
Phone: 1 (800) 782-8332
Headquarters: One State Farm Plaza Bloomington, Illinois 61710
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. The review on this page is only for the carrier’s car insurance products. Not all carriers are currently available through Policygenius. Speak to one of our licensed experts for more information on carrier availability.
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