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State Farm Auto Insurance Review: Solid Coverage From a Household Name in Insurance

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This auto insurer is a good fit for: Drivers looking for a company with an excellent reputation and strong, personalized customer service. State Farm has been around for nearly a century, offers coverage in every state, and is one of the most trusted names in insurance.

Full State Farm auto insurance review

Pros

  • Stable company with plenty of financial backing
  • Highly rated customer service
  • Premiums for drivers with one accident lower than some competitors
  • Growing access to digital services
  • Multiple discounts, including multiline, safe driver, and student away from home
  • Coverage available for car rental and travel expenses

Cons

  • Quality of service can vary based on the individual agent
  • Poor credit-based insurance score drives up premium rates

State Farm auto insurance at a glance

Monthly premium costs:

  • 35-year-old female with clean driving record: $177.09
  • 35-year-old male with clean driving record: $177.09
  • 35-year-old female with one accident: $208.56
  • 18-year-old-male with clean driving record: $452.17

Coverage options:

  • Comprehensive
  • Collision
  • Liability
  • Car rental
  • Travel expenses
  • Uninsured/underinsured motorists
  • Medical payments
  • Roadside assistance
  • Rideshare

Top perks

Stable company

No one wants to worry about whether their insurance company will still be in business when they need them. State Farm has earned an AA++ rating (the highest possible) from A.M. Best and an AA rating from S&P Global Ratings for their solid financial position.

Highly rated customer service

According to J.D. Power, State Farm ranked above average in customer satisfaction in 10 of the 11 regions included in their U.S. Auto Insurance Satisfaction Study. This is a jump from previous years.

Growing access to digital services

State Farm has upped their game in terms of digital access to their services, meaning those who would rather take care of auto insurance via the internet now have far more opportunity to do so than in years past.

Multiple discounts

The insurer offers discounts on everything, from safe driver to driver training and vehicle safety features.

What could be improved

The weight of credit-based insurance score

Hitting a rough patch financially -- particularly in the midst of a pandemic -- does not necessarily mean that a driver is less safe or likely to make more insurance claims. While insurers like State Farm pull a credit score similar to those provided by FICO as part of pricing, it would be nice if they would simply check a person's driving record.

Alternatives to consider

Drivers who don't mind not getting to know their insurance agent personally: Geico provides a strong alternative to State Farm. Available 24 hours a day, Geico's premiums are far more affordable for the average family.

Drivers who do want to get to know their agent: Nationwide has offices spread across the country and typically offers lower premiums.

Monthly premium costs

Some State Farm customers stay with the company out of loyalty. Others want the security of a company as strong as State Farm offers. Whatever a person's reason for choosing State Farm, they offer competitive rates.

35y, female, clean record 35y, male, clean record 35y, female, one accident 18y, male, clean record
$177.09 $177.09 $208.56 $452.17
Data source: The Ascent's analysis of standardized personas.

Discounts available

State Farm offers a wide range of discounts, including:

  • Accident-free
  • Defensive driving course
  • Drive Safe & Save™
  • Good student
  • Good driving
  • Driver training
  • Student away at school
  • Vehicle safety
  • Passive restraint
  • Anti-theft
  • Multiple auto
  • Multiple line
  • Steer Clear® Safe Driver

Coverage options

Policy types

  • Motorcycle
  • Boat
  • Motorhome
  • Off-road vehicle
  • Homeowners
  • Condo
  • Renters
  • Life
  • Health
  • Disability
  • Liability
  • Small business

Coverage types

  • Comprehensive
  • Collision
  • Liability
  • Car rental
  • Travel expenses
  • Uninsured/underinsured motorists
  • Medical payments
  • Roadside assistance
  • Rideshare

Customer service and ratings

State Farm is one of the leading brands for customer satisfaction, according to J.D. Power, and has been the largest auto insurer in the country since 1942. The company estimates that about 1 out of every 5 cars on U.S. roads carries insurance with State Farm.

This auto insurer is best for:

  • People who want a company with responsive customer service
  • Drivers who need a policy that lets them tack on things that are important to them, like coverage for car rental and travel expenses
  • Those who hope to enjoy discounts by using one company for all their insurance needs
  • Motorists looking for a company with a long history and financial stability

Those who don't find a personal relationship with an agent important may want to consider an online company like Geico or Nationwide. They can save money while still having access to customer service as needed.

Want another alternative? Check out The Ascent's complete Country Financial Auto Insurance review to see if this insurance provider is right for you.

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