State Farm insurance reviews and ratings
- The largest personal auto insurer in the country.
- Had fewer than the median number of complaints to state regulators in 2019 relative to its size for auto, home and life insurance.
- 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 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 2020.
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 50% 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 homeowners insurance
State Farm’s homeowners insurance claims network is available 24 hours a day, online or by phone.
The Premier Service Program puts you in touch with qualified contractors who can remove water or make flooring repairs included in your policy. The service providers guarantee their work for up to five years. Premier Service is not available everywhere.
State Farm’s home insurance discounts:
- Multiple line discount.
- Home alert protection discount.
- A discount if you use certain impact-resistant roofing products.
State Farm life insurance
Select Term Life Insurance: Policies are available for 10, 20 or 30 years, depending on your age, renewable up to age 95. Coverage amounts start at $100,000.
Instant Answer Term Life: $50,000 of term life insurance is available for people ages 16 to 45, lasting until age 50 or 10 years after the policy is issued, whichever is later. State Farm doesn’t require a medical exam, but you’ll have to fill out a health questionnaire, and your answers may disqualify you.
Return of Premium Term Life is available for either 20- or 30-year terms with level premiums, though you can renew for longer at increased rates. Coverage starts at $100,000, and if you pay premiums faithfully and outlive your term, you’ll get your money back.
State Farm also offers whole life, universal life and variable universal life, which are varieties of permanent life insurance.
Amid the COVID-19 pandemic, not all companies are accepting new life insurance applications. For the latest information on how to cope with financial stress during this emergency, see NerdWallet’s financial guide to COVID-19.» MORE: Compare life insurance quotes
State Farm complaints and customer satisfaction
State Farm had fewer than the median number of complaints to state regulators relative to its size for life and home insurance, according to the National Association of Insurance Commissioners. For auto insurance, it has close to the median number of complaints for its size.
Though State Farm often shows competitive rates for auto insurance in our analysis, its customer satisfaction ratings for purchasing auto insurance and property claims are mediocre.
|2019 J.D. Power Study||State Farm ranks...|
|Insurance Shopping (Auto)||About average|
|Auto Insurance Claims Satisfaction||About average|
|Home Insurance||Better than most|
|Property Insurance Claims||About average|
|Life Insurance||Among the best|
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.
|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|
Recap: State Farm pros and cons
|Numerous discounts offered, including two programs—one for safe driving and the other for young drivers||Average ratings for car insurance shopping and property insurance claims customer satisfaction from J.D. Power|
|Generous rental car and travel expenses coverage|
|Among the highest rated life insurance companies by J.D. Power|