State Farm Auto Insurance Review September 2022

Sep 6, 2022

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Our Take

5.0

NerdWallet rating 

The bottom line:

With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors.

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State Farm Auto Insurance
NAIC complaints
Fewer than expected
Ease of use
Above average
Discounts
Great set of discounts
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on State Farm

Pros & Cons

Pros

  • Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
  • Generous rental car and travel expenses coverage.
  • Customer satisfaction rating for purchasing auto insurance is better than average, according to J.D. Power.

Cons

  • Doesn't offer gap insurance.

Full Review

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 is among NerdWallet’s Best Car Insurance Companies.

Where State Farm stands out

Customer complaints. State Farm had fewer than the expected number of complaints when compared to other companies of the same size.

Ease of use. If you're looking for a seamless online experience, you would do well to consider State Farm. The company lets you make payments, plus track and start claims online. It also lets you manage your policy through its app, which is rated highly by both Apple and Google Play.

Where State Farm falls short

State availability. Although State Farm sells policies in most states, it doesn't sell new policies in Massachusetts and Rhode Island.

State Farm auto insurance coverage

When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

State Farm’s rental car and travel expenses coverage is superior to what’s offered by its competitors. 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.

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.

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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.

  • Multicar discount.

  • Multipolicy discount.

  • Loyalty discount for having an auto policy with State Farm for three years or more.

Discounts may not be available in all states.

Pricing based on tracked driving habits

State Farm offers a usage-based program. called Drive Safe & Save. This 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.

How much is State Farm insurance?

A policy with full coverage insurance costs $1,381 on average per year from State Farm. But that's if you have good credit and a clean driving history without any accidents or other traffic violations. Your rate will vary based on factors like age, location and more.

To give you a better idea of what to expect, check out the average rates below, based on driving record and credit history. All rates are for full coverage insurance. See our methodology for more details.

Full coverage

Minimum coverage

Good driver, good credit

$1,381

$473

Good driver, poor credit

$3,381

$1,190

After an accident, good credit

$1,794

$651

After a DUI, good credit

$2,455

$925

After a speeding ticket, good credit

$1,669

$596

🤓Nerdy Tip

First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.

Complaints and customer satisfaction

State Farm had fewer than 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.

State Farm received an overall satisfaction score of 80 out of 100 by a pool of its customers, in a NerdWallet survey conducted online in July 2021. To put that in perspective, the average score among seven insurers was 79, and the highest was 83

2021 J.D. Power study

State Farm ranking

Insurance Shopping (Auto)

No. 2 out of 8 companies.

Auto Insurance Claims Satisfaction

No. 6 out of 18 companies.

More about State Farm insurance

Website: State Farm’s website is intuitive, easy to navigate and loaded with useful information. You can get a quote online, find a nearby agent or manage a claim.

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.

Life, homeowners and renters insurance from State Farm

State Farm offers home insurance in all 50 states including the District of Columbia. To learn more about the coverage options available, read our State Farm homeowners insurance review.

State Farm also offers term, whole and universal life insurance. To read about this product, see NerdWallet’s State Farm life insurance review.

Other insurance from State Farm

  • Condo insurance.

  • Identity theft insurance.

  • Boat insurance.

  • Farm and ranch insurance.

  • Off-road vehicle insurance.

  • Manufactured home insurance.

  • Commercial auto insurance.

  • Business insurance.

Methodology

2021 auto insurance survey methodology

This opt-in survey of 7,586 adults ages 18 and older was conducted online by NerdWallet, July 8-26, 2021. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy with within the past 12 months, and the policy had to be in their name at the time of the survey. These brands were rated on overall satisfaction, overall value, online experience and trustworthiness on a scale of 1-100. Only brands with 100 or more qualifying respondents are reported — 300 of the respondents were current Geico policyholders.

Insurer complaints methodology

NerdWallet 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.

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.

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 a 2019 Toyota Camry L in all cases and assumed 12,000 annual miles driven.

These are rates generated through Quadrant Information Services. Your own rates will be different.

Frequently asked questions