State Farm auto insurance reviews and ratings
- The largest personal auto insurer in the country.
- Has fewer auto insurance complaints than expected for a company of this size.
- Offers rideshare insurance in most states.
State Farm is the nation’s largest private passenger auto insurer, but it offers a wide variety of other insurance and financial products, sold exclusively by State Farm agents. If you’re looking for a well-known brand name with a generous selection of products and consumer-friendly pricing, State Farm might be right for you.
State Farm pros and cons
|Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.||Doesn't offer gap insurance.|
|Generous rental car and travel expenses coverage.|
|Customer satisfaction rating for purchasing auto insurance is better than average, according to J.D. Power.|
State Farm auto insurance
State Farm auto insurance earned 4.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners and more.
Based on these ratings, State Farm is among NerdWallet’s Best Car Insurance Companies for 2021.
Common types of car insurance coverage
When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance to drive a vehicle, although minimum coverage requirements vary from state to state. This generally includes liability insurance and uninsured and underinsured motorist coverage.
If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy you can buy, but rather a combination of coverage types like liability, collision and comprehensive insurance.
Check out the most common types of car insurance coverage below to see how they work:
|Coverage type||What it pays for||Required?|
|Bodily injury and property damage liability||Costs for injuries, deaths or property damage from an accident you caused.||Typically required.|
|Uninsured or underinsured motorist coverage||Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all.||Often required.|
|Collision coverage||Repair expenses from traffic-related accidents, regardless of who's at fault.||A car loan or lease may require it.|
|Comprehensive coverage||Repair costs from events outside of your control — including weather events, hitting an animal while driving, theft and vandalism.||A car loan or lease may require it.|
State Farm’s rental car and travel expenses coverage is superior to its competition’s. Not only does State Farm auto insurance pay for a rental car if yours is in the shop due to a covered collision, but it also pays for meals, lodging and transportation if you’re stranded more than 50 miles from home. Coverage limits apply and vary by state, and you need to have comprehensive or collision coverage to opt in.
Drive Safe & Save: This usage-based program calculates discounts based on your mileage and “safe driving” measurements such as smooth acceleration and braking. It also considers risk factors such as speed and time of day. You’ll get up to a 30% discount once State Farm has analyzed your driving behavior. Availability and discounts may vary.
The Steer Clear Driver Program is a driver training refresher course available online, through an agent or via mobile app. State Farm offers savings for drivers under 25 who complete the course and have had no at-fault accidents or moving violations within the past three years.
Rideshare insurance: If you drive for a company such as Uber or Lyft, this option allows you to have one policy that covers both personal and ridesharing use. This option is not available in all states.
» MORE: Compare car insurance rates
State Farm’s auto insurance discounts:
- Accident-free discount.
- Discount for taking a driver safety course.
- Student away at school discount.
- Good driving discount.
- Discount if all operators of your vehicle under 21 complete an approved driver education course.
- Good student discount.
- Vehicle safety discount.
- Passive restraint discount.
- Discount for having an anti-theft device.
- Multiple auto discount.
- Multiple line discount.
State Farm complaints and customer satisfaction
State Farm had fewer complaints than expected for a company of this size to state regulators, according to the National Association of Insurance Commissioners.
State Farm often shows competitive rates for auto insurance in our analysis and its J.D. Power customer satisfaction rating is better than average.
|2020 J.D. Power Study||State Farm ranks...|
|Insurance Shopping (Auto)||Above average|
|Auto Insurance Claims Satisfaction||Above average|
More about State Farm
Website: State Farm’s website is intuitive, easy to navigate and loaded with useful information. You can get a quote and buy a policy online, find a nearby agent or manage a claim.
Pocket Agent mobile app: State Farm’s customer app lets you view your insurance card and policy information, get a quote, submit a claim online and view a claim status. It even has an ATM locator.
State Farm also has mobile apps for two of its auto insurance programs: the Steer Clear program for drivers under 25 and the Drive Safe & Save program that tracks driving behavior.
Auto insurance buying guide
Before you compare car insurance companies, you’ll need to collect basic information, such as the driving history of everyone on the policy and facts about your car, including safety features and annual mileage driven. You’ll also want to understand which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.
When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to decide based on price alone. Look at how many consumer complaints each company has, as high numbers can be a red flag about the quality of service you might receive.
Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.
Homeowners, renters and life insurance
State Farm offers homeowners insurance online and through its network of over 19,000 agents. For more information, read our State Farm homeowners insurance review. Renters looking into the company may also be in luck — State Farm’s renters insurance is at the top of NerdWallet’s rankings.
You can also get life insurance from State Farm. The company sells term life insurance and you can read our State Farm life insurance review to figure out if it’s a good fit for you.
|Other types of insurance from State Farm include:|
|Condo insurance||Identity theft insurance|
|Renters insurance||Boat insurance|
|Farm and ranch insurance||Off-road vehicle insurance|
|Manufactured home insurance||Commercial auto insurance|
|Umbrella insurance||Business insurance|
Auto insurance ratings methodologyNerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. 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 editorial guidelines.
Methodology: Insurer complaintsNerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. 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. Ratios are determined separately for auto, home (including renters and condo) and life insurance.