State Farm
- Rates below the national average.
- Many coverage options to choose from.
- Policy management through website, mobile app or local agents.
- Policies unavailable in a handful of states.
About State Farm renters insurance
State Farm renters insurance earned 4.9 out of 5 stars for overall performance. State Farm offers lots of coverage options, plus local agents who can help you choose. Rather buy and manage your policy online? You can do that too, thanks to State Farm’s user-friendly website and app.
Based on this star rating, State Farm is among NerdWallet’s Best Renters Insurance Companies.
Best for: Renters seeking affordable, customizable coverage from a well-established company.
Not ideal for: Those in California, Massachusetts or Rhode Island, where policies aren't currently available.
Where State Farm stands out
Low rates. State Farm’s average rates are below the national average, according to NerdWallet’s analysis.
Coverage options. State Farm has numerous ways to customize your policy, though you may need to speak with an agent to add some of them.
Combination of technology and personal service. Whether you’d rather use a mobile app or call an agent, State Farm has a customer service channel that can help.
Where State Farm falls short
Availability in California, Massachusetts and Rhode Island. Renters in these states who aren’t already insured with State Farm will need to look for another provider.
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What State Farm renters insurance covers
Landlords sometimes require tenants to buy a policy with a minimum amount of liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:
- Personal property
Personal property coverage can replace belongings such as furniture and electronics if they're stolen or damaged.
- Personal liability
Renters liability insurance pays out if you're responsible for injuring other people or damaging their property.
- Loss of use
Loss of use coverage pays for hotel stays, meals or other expenses if you have to live elsewhere while your home is repaired.
- Medical payments
Medical payments coverage pays to treat injuries to other people in your home, regardless of fault.
For more details, see What Does Renters Insurance Cover?
Replacement cost coverage is generally included with a State Farm renters insurance policy. If your belongings are destroyed or stolen, State Farm will pay enough for you to buy brand-new ones. Some policies pay only the actual cash value of damaged items, which is generally a lower amount because items tend to lose value over time.
Inflation coverage may be included to make sure your coverage limits keep up with rising costs.
Business property coverage can cover merchandise or other items associated with a business you own.
Optional coverage
For an additional cost, you may be able to add the following coverage options. You might need to buy some of them through a State Farm agent.
Identity theft coverage. Pays costs related to identity fraud, cyberattacks or extortion.
Additional insured coverage. Covers nonresidents who have a financial interest in the property.
Sewer or drain backup coverage. Pays for damage to your belongings from water backed up through sewers or drains.
Personal injury endorsement. Pays for nonphysical injuries, such as libel and slander.
Earthquake coverage. Pays for earthquake damage, which standard renters insurance doesn't cover.
Extra coverage for valuables. Extends your coverage if your policy’s limits for jewelry, furs, fine art or other items aren’t high enough.
State Farm renters insurance rates
State Farm renters insurance costs $110 a year, or about $9 a month, according to NerdWallet’s rate analysis. That’s cheaper than the national average of $151 per year. It’s also the cheapest rate we found among large national insurers. See how they stack up below.
Company | Average annual rate |
|---|---|
$110 | |
$118 | |
$143 | |
$155 | |
$193 | |
$202 | |
USAA* | $146 |
*USAA renters insurance is available to active military, veterans, some federal workers and their families. | |
Rates are based on a sample renter with $30,000 in personal property coverage, $100,000 in liability coverage and a $500 deductible.
Discounts
State Farm advertises three main discounts for renters:
Multiple policy discount for bundling renters insurance and car insurance.
Home alert protection discount if your rental has safety devices, such as smoke detectors or a security system.
Claim-free discount if you haven’t had any claims within the past three to five years.
If you own a car, consider bundling your auto and renters insurance policies with the same company. In some cases, the discount you get on your auto insurance could be enough to pay for the renters policy outright. See the best renters and auto insurance bundles.
Get renters insurance quotes in minutes
Answer a few questions to get custom quotes and find the right policy for you.
Consumer complaints and satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. State Farm gets a middling score on this measure, drawing an average proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums. NAIC home insurance complaints cover various policy types, including homeowners, renters, mobile home and condo insurance.
J.D. Power rating: State Farm renters insurance ranked above average in J.D. Power’s 2025 U.S. Home Insurance Study.
Where State Farm renters insurance is available
State Farm offers renters insurance to new policyholders in Washington, D.C., and every state except California, Massachusetts and Rhode Island.
Availability may change at any time. Coverage may not be available to all renters in a given state.
Consumer experience
Website: State Farm’s website is easy to navigate and has detailed information on how renters insurance policies work. You can get a quote online or look for a nearby agent using the company's lookup tool. State Farm’s website is also available in Spanish.
App: The State Farm mobile app offers the ability to file and track a claim, as well as view and manage a policy. You can also pay your monthly bill using Apple Pay or Google Pay.
Claims: You can file and track a claim online, through the State Farm mobile app, by dialing 800-732-5246 or by calling your local agent.
Customer service: Assistance is available by phone at 800-782-8332 or through your local agent. You can also fill out an online email form or reach out to the company’s chatbot.
State Farm renters insurance vs. competitors
Here’s how State Farm renters insurance stacks up against policies from other popular companies.
State Farm vs. GEICO renters insurance
The main differences between State Farm and GEICO renters insurance are:
Business structure. State Farm sells its own renters insurance policies, while GEICO works with third-party companies.
Claim filing. When it comes to filing claims, State Farm gives you more options. You can file your claim online, through the State Farm app or by calling a dedicated claims line. With GEICO, you may need to call the company that issued your policy.
Learn more in our GEICO renters insurance review.
State Farm vs. Lemonade renters insurance
The biggest differences between State Farm and Lemonade are:
Longevity. Lemonade is one of the newest renters insurance companies in the industry, founded in 2015. Meanwhile, State Farm has been around for more than a century.
Claims handling. Lemonade comes out ahead for quick claims processing. Some of its claims are paid out almost immediately after being submitted through the app.
Consumer complaints. While State Farm draws an average rate of complaints to state regulators, Lemonade generates a much higher rate of complaints.
Learn more in our Lemonade renters insurance review.
State Farm vs. Allstate renters insurance
The primary differences between State Farm and Allstate renters insurance are:
Rates. State Farm’s average renters insurance rates are a bit lower than Allstate’s, according to NerdWallet’s analysis.
J.D. Power rating. State Farm was rated above average in J.D. Power’s latest consumer satisfaction study. Meanwhile, Allstate landed near the bottom of the rankings.
Learn more in our Allstate renters insurance review.
Other State Farm products
NerdWallet's reviews of other State Farm insurance products can help you find the right coverage for your needs:
How we review renters insurance
Our editorial team considers these factors when reviewing renters insurance companies:
- 📞 Customer experience
This rating is based primarily on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. We also evaluate whether companies have customer-friendly features such as online claims filing and quotes.
- 🛡️ Coverage
We look at how companies cover your personal belongings and how many common optional endorsements they offer.
- 💲Affordability
We evaluate the discounts a company offers and, when available, its median rates.
- 🏦 Financial strength
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
See our complete renters insurance rating methodology.
Why you can trust NerdWallet
In our research, we analyzed:
More than 175 million renters insurance rates.
More than 100 insurance companies.
More than 150 renter profiles.
Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.
Frequently asked questions
What other types of insurance does State Farm offer?
What other types of insurance does State Farm offer?
State Farm offers homeowners, boat, condo and auto insurance, among others.
How can I cancel State Farm renters insurance?
How can I cancel State Farm renters insurance?
You can cancel a State Farm insurance policy by contacting your local agent by phone or in person.
Does State Farm renters insurance cover dog bites?
Does State Farm renters insurance cover dog bites?
Yes, dog bites generally fall under the personal liability section of your renters insurance policy. State Farm doesn’t refuse coverage based on specific dog breeds. Learn more about dog liability insurance.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Home Insurance Study. Accessed Dec 16, 2025.
Renters insurance star ratings methodology
NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including affordability, financial strength, consumer experience and coverage options. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full renters insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners from 2022 through 2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Renters insurance rates methodology
To find the average cost of renters insurance in the U.S., NerdWallet calculated the median rate for 30-year-old tenants from multiple insurance companies in every ZIP code across all 50 states and Washington, D.C. Sample tenants were nonsmokers with good credit and no recent claims, living in a two-bedroom apartment. They had a $500 deductible and the following coverage limits:
$30,000 in personal property coverage.
$100,000 in liability coverage.
$10,000 in additional living expenses coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We then compared the insurer's median rates to the median rates for other companies.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
