State Farm
- Generous rental car and travel expenses coverage.
- Above-average customer satisfaction rating for buying auto insurance among large insurers, according to J.D. Power.
- Doesn't offer gap insurance.
NerdWallet's take on State Farm auto insurance
State Farm earned 4.8 out of 5 stars for its discount offerings and easy-to-use website and mobile app.
Best for: Drivers who value customer service and want to work with a dedicated agent.
Not ideal for: Drivers with poor credit scores who will likely face significantly higher rates with State Farm.
Where State Farm car insurance stands out
Customer service. State Farm has an extensive in-person agent network, which provides personalized service to drivers. It ranks highly on customer satisfaction surveys and has about the number of auto insurance complaints expected for an insurer its size.
Where State Farm car insurance falls short
Coverage options. While State Farm offers essential coverage types that drivers are used to, it has fewer specialty coverage options that some other insurers offer, like gap insurance.
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How much does State Farm car insurance cost?
State Farm car insurance costs an average of $174 per month or $2,090 per year for a full coverage policy, according to our November 2025 analysis. The national average is $192 per month, or $2,300 per year.
For minimum coverage, Progressive car insurance costs an average of $43 per month or $519 per year, according to our November 2025 analysis. The national average is $52 per month, or $627 per year.
State Farm car insurance rates vs. other large insurers
State Farm’s car insurance rates are generally less expensive when compared to the rates of other large U.S. insurers. The chart below gives the average annual rates for a full coverage policy for a 35-year-old driver with a clean driving history and good credit.
» MORE: Compare car insurance rates
State Farm auto insurance rates by age
Age plays a major role in car insurance rates because it reflects a driver’s skill and overall risk. Younger drivers typically face the highest premiums, but costs generally decrease and stabilize as drivers gain more experience. According to our analysis, State Farm offers competitive rates across all age groups compared to other companies.
Here are State Farm's average car insurance rates for drivers of different ages:
20-year-olds
State Farm: $4,595/year National: $4,684/year
The average cost of State Farm car insurance for 20-year-old drivers is $4,595 per year, or $383 per month. That's on par with the national average for this age group, which is $4,684 per year, or $390 per month.
State Farm’s rates for 20-year-old drivers are also comparable to those of other large auto insurers.
40-year-olds
State Farm: $2,064/year National: $2,232/year
The average cost of State Farm car insurance for 40-year-old drivers is $2,064 per year, or $172 per month. That's less than the national average for this age group, which is $2,232 per year, or $186 per month.
Our analysis found that State Farm's rates for 40-year-old drivers are in line with those of other large auto insurers.
60-year-olds
State Farm: $1,841/year National: $1,988/year
The average cost of State Farm car insurance for 60-year-old drivers is $1,841 per year, or $153 per month. That's slightly less than the national average for this age group, which is $1,988 per year, or $166 per month.
State Farm’s rates for 60-year-old drivers are on par with the rates of other large auto insurers.
- More State Farm auto rates by age
Age State Farm median rate National median rate 20 $4,595 $4,684 30 $2,139 $2,375 35 $2,090 $2,300 40 $2,064 $2,232 50 $1,980 $2,074 60 $1,841 $1,988 70 $1,897 $2,125
State Farm auto insurance rates by driver profile
State Farm generally offers lower rates for drivers regardless of their driving history, including those with a speeding ticket or an at-fault accident. However, drivers with poor credit are an exception. On average, State Farm charges some of the highest premiums in the industry for this group.
Here are State Farm’s average full coverage rates for 35-year-old drivers.
Poor credit
State Farm: $8,088/year National: $3,850/year
The average cost of State Farm car insurance for drivers with poor credit is $8,088 per year, or $674 per month. That's significantly more expensive than the national average, which is $3,850 per year, or $321 per month.
State Farm’s rates for drivers with poor credit are among the most expensive when compared to rates of the largest auto insurers.
(California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket
State Farm: $2,364/year National: $2,931/year
The average cost of State Farm car insurance for drivers with a recent speeding ticket is $2,364 per year, or $197 per month. That's cheaper than the national average, which is $2,931 per year, or $244 per month.
Our analysis found that State Farm's rates for drivers with a speeding ticket are also less expensive when compared to the rates of other large auto insurers.
At-fault crash
State Farm: $2,637/year National: $3,405/year
The average cost of State Farm car insurance for a driver with an at-fault crash is $2,637 per year, or $220 per month. The national average is $3,405 per year, or $284 per month.
State Farm’s rates for drivers with an at-fault crash are generally less expensive than the rates of other large auto insurers.
DUI
State Farm: $3,056/year National: $4,265/year
The average cost of State Farm car insurance for a driver with a DUI is $3,056 per year, or $255 per month. The national average is more expensive at $4,265 per year, or $355 per month.
State Farm’s rates for drivers with a DUI are also cheaper than those of other large auto insurers.
State Farm auto insurance discounts
Depending on your state, you may be able to save on auto insurance by:
Being a safe driver. State Farm’s Drive Safe & Save program uses an app that tracks your driving behavior. Safe drivers can get a discount of up to 30%, according to State Farm. Drivers can also get a discount by not having any violations for three years.
Being a student. Students with good grades can qualify for a discount of up to 25%. Those who don’t drive their car while they’re away at school can qualify for another discount.
Having a car with safety features. Air bags, anti-lock brakes and anti-theft devices installed on your vehicle may qualify you for this discount.
Getting multiple insurance types. Bundling discounts are available to those who get more than one type of insurance with State Farm. For example, you can get your home and auto insurance to qualify.
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. However, be aware that this can leave you without enough coverage after an accident. Read our cheap car insurance article to see average minimum car insurance rates by company and state.
State Farm car insurance coverage
State Farm’s full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
State Farm also offers some types of optional coverage, such as:
Rental car reimbursement. This helps pay for rental car costs and can cover meals and lodging if your vehicle is in the shop after a covered accident. State Farm’s rental car coverage also pays up to $500 toward the deductible of your damaged car. Drivers who rely heavily on their car to maintain their lifestyle and don’t have a backup plan should consider this coverage.
Emergency roadside coverage. Use this coverage to get help paying for towing, battery jump-starts, tire changes, locksmith services and fuel delivery if your car breaks down. Drivers with older vehicles and those who have regular long commutes could benefit from emergency roadside assistance.
Rideshare driver coverage. General insurance policies typically don’t cover all periods when driving for a rideshare company. This add-on fills coverage gaps. Those who work for a rideshare company should consider this coverage.
Medical payments coverage. MedPay covers medical bills for you and your passengers no matter who is at fault in an accident. It’s worth considering if you don’t have personal injury protection coverage and often drive with passengers.
Uninsured motorist. Mandatory in some states, this coverage helps cover damages if the at-fault driver has little or no insurance. Drivers in states with high rates of uninsured drivers, like Mississippi and New Mexico, should consider uninsured motorist coverage.
When shopping for car insurance, it's important to understand what coverage you want and what you’re required to buy. Most states require a minimum amount of car insurance to drive a vehicle, but if you can’t afford to pay to replace your vehicle if it were totaled, we recommend considering full coverage insurance.
State Farm’s Drive Safe and Save program
State Farm’s telematics program, Drive Safe & Save, uses a mobile app to monitor driving habits and reward safe behavior. Drivers who demonstrate consistently safe driving can earn discounts on their premiums. State Farm says it won’t increase your premium for unsafe driving habits but may increase your premium if you drive more miles than originally reported.
Is State Farm a good insurance company?
State Farm is a strong option for many drivers, offering solid financial stability and rates that are generally competitive with other major insurers. It also performs above average in customer satisfaction surveys. With its focus on personalized service and a large network of local agents, State Farm is well-suited for drivers who value working directly with a dedicated agent.
Complaints: State Farm had about the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
Shopping: State Farm ranked third out of 18 companies in J.D. Power's 2025 U.S. Insurance Shopping Study. This study measures how shoppers feel about the buying process.
Claims satisfaction: State Farm ranked 8th out of 20 companies in J.D. Power's 2025 Auto Claims Satisfaction Study. This study measures how customers feel about the claims process.
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More information about State Farm car insurance
Customer service: Reach out to your agent, or call the customer service department at 800-782-8332.
Website: State Farm’s website is easy to navigate and provides clear information. Customers can get quotes and manage their accounts from the site.
Mobile app: Manage your policies, request roadside assistance and file and track claims with the State Farm app. It’s available on Android and iOS.
Other State Farm insurance reviews
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
Does State Farm auto insurance cover rental cars?
Does State Farm auto insurance cover rental cars?
State Farm offers rental car reimbursement as an add-on coverage.
How do I cancel State Farm auto insurance?
How do I cancel State Farm auto insurance?
Contact your State Farm agent to cancel your policy.
How much is State Farm auto insurance?
How much is State Farm auto insurance?
The price of State Farm car insurance varies depending on your driving profile and other characteristics. State Farm’s prices are generally competitive as compared to the prices of other insurance companies.
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. U.S. Insurance Shopping Study. Accessed Dec 19, 2025.
- 2.J.D. Power. 2025 Auto Claims Satisfaction Study. Accessed Dec 19, 2025.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. 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.
Auto insurance ratings methodology
NerdWallet’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 and full ratings methodology for auto insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
We used a 2022 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
Auto insurance survey methodology
The opt-in survey of 7,503 U.S. adults ages 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2024. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy within the past 12 months, with at least some changes to the original policy. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.
Only brands with 100 or more qualifying respondents are reported. Of those respondents: 300 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were GEICO customers, 100 were USAA customers, 157 were AAA customers, 100 were Liberty Mutual customers, 100 were American Family customers, 100 were Farmers customers, 100 were Travelers customers and 101 were Nationwide customers.
