State Farm Car Insurance Quotes: Everything You Need to Know
The average State Farm policy costs $1,143 per year for basic liability only or $1,325 per year for higher levels of coverage.
Written by Jacoba Bood
Edited by Pat Roache
Table of Contents
- How to get a State Farm car insurance quote
- State Farm pros and cons
- State Farm car insurance cost
- Payment methods
- Basic car insurance options from State Farm
- Optional insurance coverage options
- State Farm’s auto insurance discounts
- How to file a claim with State Farm
- State Farm’s car insurance cancellation policy
- State Farm’s services and features
- State Farm vs. other insurance companies
- The Takeaway: State Farm is great for great credit drivers
- State Farm insurance background
- State Farm reviews
- FAQs
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State Farm is America’s largest auto insurance provider, offering a comprehensive range of
car insurance
options and services for an average policy cost of $1,234 per year.- Drivers with bad credit scores tend to receive the most expensive car insurance rates from State Farm.
- State Farm offers 14 insurance discounts and even more ways to save thanks to options like the State Farm Drive Safe and Save™ program.
- You can request a free quote from State Farm online, in-person, or over the phone, or you can use a car insurance broker app like Jerry to compare quotes from multiple providers at once and find the best rate for you.
- Drivers with bad credit scores tend to receive the most expensive car insurance rates from State Farm.
- State Farm offers 14 insurance discounts and even more ways to save thanks to options like the State Farm Drive Safe and Save™ program.
- You can request a free quote from State Farm online, in-person, or over the phone, or you can use a car insurance broker app likeJerryto compare quotes from multiple providers at once and find the best rate for you.
How to get a State Farm car insurance quote
There are a few easy ways to get a free State Farm auto insurance quote directly:
- By phone: Call State Farm’s toll-free phone number for quotes at 1-800-782-8332
- In person: Visit your local State Farm branch to speak to an insurance agent and set up your Personal Price Plan™
Expert tip: Once you have your quote, you’ll still need to compare at least three to five other offers to narrow down the most affordable policy. Download
Jerry
to quickly compare competitive quotes from dozens of providers and find the most affordable rates."When usingJerry, I just put in a bit of information, and they found lots of different quotes for me. I was paying $305 a month for 2 brand-new cars, but now I’m paying $150 a month for both with full coverage!” —Robin U.
State Farm pros and cons
Pros | Cons |
|---|---|
Lots of discounts and plenty of opportunities to save money on your policy | Not a great option for drivers with a bad credit score |
Superior travel and rental car packages | They tend to get more complaints than the average company of their size |
Easy claim filing process and good customer service |
State Farm car insurance cost
The average annual national cost for a State Farm car insurance policy: $1,234
The following factors will play major roles when
determining your insurance rate quote
from State Farm:- The type of vehicle you drive
- Your location
- Your driving record
- Your age
- The tailored options you add to your policy
One of the first things to consider is how much coverage you actually want to have:
- Average cost for low coverage options from State Farm: $1,143 a year
- Average cost for high-coverage plans from State Farm: $1,325 a year
Credit score
is also likely to play a major role in the cost of your State Farm policy:- Average State Farm cost for drivers with good credit: $1,231 a year
- Average State Farm cost for drivers with bad credit: $2,744 a year
The bottom line: State Farm is not a popular pick for drivers with a less-than-ideal credit history.
MORE: The best car insurance for bad credit drivers
Payment methods
As the country’s largest insurance provider, you can probably count on your preferred payment method being accepted by State Farm. Here are the payment methods they accept:
- Automatic online payments
- Bank payments/direct deposit
- Credit card payments
- Debit card payments
- Electronic checks
- Mail payments
- Mobile app payments
- Online payments
- Phone payments
- In-person payments
- Payments through a State Farm agent
Basic car insurance options from State Farm
- Liability insurance: Basic liability coverage is required in most states and covers damages caused to others in a car accident where you are found at fault. Your policy will almost always need to consist of minimum policy limits ofbodily injury liabilityandproperty damage liability.
- Collision insurance: Collision coverage is an auto insurance coverage option that pays for damages to your vehicle in the event of an accident or collision. A State Farm collision policy will also protect you when driving a newly acquired, borrowed, or temporary substitution vehicle as well.
- Comprehensive insurance: State Farm’s comprehensive coverage plan will protect your happen from select damages that aren’t covered by a collision policy. This could include property crime likecar theftand vandalism or damages caused by floods or fire—to name a few examples.
- Uninsured/Underinsured motorist insurance: Both uninsured and underinsured motorist coverage are designed to protect you in an accident with an at-fault driver who lacks sufficient liability coverage to cover your damage.
- Medical payments (MedPay) coverage: This optional add-on will help cover the costs of any medical or funeral expenses for you, your family members, or your passengers regardless of who is found at fault in an accident.
A basic car insurance policy will typically consist of certain amounts of liability coverage according to your
state’s minimum insurance requirements
. However, many drivers opt to add collision and comprehensive insurance to build a full-coverage insurance
policy for better protection.Optional insurance coverage options
Most insurance companies will offer the basic types of insurance coverage listed above. Here are a few less common, optional coverages and services offered by State Farm:
- Rental reimbursement coverage: This policy add-on that will help cover the cost of a rental vehicle should your car be rendered not drivable or in need of repairs following an approved State Farm policy claim.
- Antique or collector coverage: State Farm’s version of classic car insurance is designed to cover the increased expenses that could be associated with damage or loss of a collector car. Certain restrictions apply for vehicle age, use, conditions, and storage.
- Rideshare insurance: The State Farm rideshare coverage plan is available in most states and offers coverage to protect drivers for Transportation Network Companies like Lyft or Uber during the gap periods when your company insurance leaves you vulnerable.
- Select repair services: State Farm clients can choose and authorize their ownauto repairson a valid policy claim by selecting from a list of approved providers.
- Emergency roadside service: State Farm offers 24/7 emergencyroadside assistanceto current clients or those subscribed to the service via a policy add-on. The service covers towing and labor costs up to your policy limit, but you will have to pay-out-of-pocket for replacement items.
- Emergency lockout coverage: If you are subscribed to a State Farm Roadside Assistance plan, you can enjoy emergency lockout services up to your policy limit.
- Car rental and travel expenses coverage bundle:Car rental reimbursement insurancewill cover you up to your policy limit for a rental car after an approved claim. Travel expenses coverage will cover meals, lodging, and transportation costs up to your policy limit should you find yourself stranded by a claimable incident more than 50 miles away from your home.
State Farm’s auto insurance discounts
State Farm offers an ample variety of
car insurance discounts
that could save you anywhere from 5–80% of your policy package, so be sure to find out if you might qualify when considering your State farm car insurance quotes.Discounts |
|---|
Good credit discount |
Passive restraint discount |
New car discount |
Driving habits discount |
Good student discount |
Good driver discount |
Anti-lock brake discount |
Multiple vehicle discount |
Multiple policy discount |
teenSMART discount |
Anti-theft device discount |
Accident-free discount |
Low mileage discount |
Defensive driver discount |
How to file a claim with State Farm
State Farm has easy and convenient
online and mobile claim filing systems
, but you can also call or visit an agent in person as well.What to do: To ensure the
claim filing process
goes as smoothly as possible, be prepared to provide the following information.- The location, date, and time of the accident
- The names, addresses, phone numbers, and insurance policy numbers of anybody else involved
- A summary of the weather conditions
- Photo evidence of the accident scene and damage
- Any relevant copies of the police and/or accident reports
Keep in mind: Using the mobile app will make it easier to upload any relevant data quickly and efficiently.
Once you begin the claims process, you will receive a claim number that you will need to keep handy throughout the course of the claims investigation process. If approved, you can proceed with the repairs and secure a replacement vehicle (if included in your covered losses.
State Farm’s car insurance cancellation policy
- Speak with a State Farm agent in-person
- Speak to someone over the phone.
- Cancel by mail.
Keep in mind: State Farm does not allow you to cancel online or via your mobile app.
Be prepared to provide the following information:
- The bill of sale or other proof of forfeiture of ownership for your vehicle
- The effective policy cancellation date
- Information on your new policy or provider, if applicable
State Farm’s services and features
State Farm Drive Safe and Save™ Discounts
The
State Farm Drive Safe and Save program
is an optional feature that could help you save up to 30% on your policy for maintaining safe driving habits.How it works: When you sign up for the program via the mobile app or OnStar service, you agree to have your real-time driving habits monitored. These will then be used to calculate your discounted policy price upon renewal, if eligible.
The Steer Clear Driver Program
The Steer Clear Driver Program is a targeted mobile driver training program geared at teaching young drivers safe driving habits.
You must meet the following eligibility requirements to receive a Steer Clear policy discount:
- You are under the age of 25.
- You hold a valid driver’s license.
- You have had no at-fault accidents or moving violations for at least three years previous.
- You successfully complete all the program requirements.
The State Farm Pocket Agent Mobile App
State Farm boasts an award-winning mobile app available for Android and iOs. Efficiently manage your policy with the following conveniences:
- Access your State Farm insurance information.
- Use State Farm roadside assistance.
- File and manage your claims.
- Upload photos and claim documents.
- Connect with an agent.
State Farm vs. other insurance companies
State Farm vs. Allstate
State Farm insurance policies tend to be more affordable than Allstate car insurance offerings. This could be partially attributed to the fact that State Farm is a privately-owned mutual company.
The advantages of a mutual company: Basically, if you buy into a State Farm policy, you also become a partial owner of the company. By contrast, Allstate is a corporate entity that is owned by shareholders that have an interest in reigning in more profits.
The bottom line: State Farm is probably your best bet if you are looking for an affordable policy option but still want to stick with a trusted major provider.
State Farm vs. GEICO
Despite State Farm’s mutually owned status, GEICO wins out in terms of price offerings for most categories. That said, the difference may depend on your circumstances:
- If you have an imperfect driving record orDUI: State Farm might be a better choice for you than GEICO.
- If you have a low credit rating: GEICO offers much more affordable package prices, and there’s a good chance you could save almost $1,000 a year by choosing GEICO over State Farm.
The bottom line: State Farm and GEICO both offer competitive pricing options compared to most larger car insurance companies, so be sure to take time to
compare car insurance quotes
before making your pick.The Takeaway: State Farm is great for great credit drivers
As the country’s largest insurance provider, State Farms offers a full range of unique policy options, discounts, and bundles that smaller providers can’t offer.
The benefits: Since State Farm is privately owned by its policyholders, it’s a great choice for anybody looking for an alternative solution to corporate providers or as a consistently affordable insurance solution.
The disadvantages: a State Farm policy becomes significantly less affordable if you don’t have a good credit score and most of the services they offer are rated average in terms of customer satisfaction.
State Farm insurance background
The State Farm Mutual Automobile Insurance Company is easily recognizable by its iconic slogan, "Like a good neighbor, State Farm is there.” Living up to their jingle, State Farm car insurance has indeed been a major trusted provider for almost a hundred years.
A bit of history: The company was founded in 1922 out of modest roots when a farmer named George Jacob Mercherle started selling car insurance to earn a reliable source of income. The company became a giant in the American car insurance industry by the 1940s.
These days, State Farm has expanded well beyond car insurance quotes to offer a full range of insurance services, including:
- Life insurance policies
- Homeowners insurance policies
- Renters insurance policies
- Insurance options for motorcycles, boats, and recreational vehicles
State Farm continues to dominate the American car insurance marketplace, holding the top place as the country’s largest private passenger auto insurer.
State Farm reviews
Below are some State Farm reviews from top reviewers.
J.D Power 2021 Ratings
According to the 2021 J.D. Power Associates U.S. Insurance Shopping Study, State Farm ties with Liberty Mutual for providing customers with the most satisfactory purchase experience (from a large insurance company) in the country—with a score of 872/ 1000.
The study measures satisfaction in 11 different areas of the country. State Farm topped the charts in the following regions:
Region | Rating |
|---|---|
Florida | 848 |
New York | 859 |
Northwest | 844 |
Mobile app reviews
Reviews for State Farm's mobile app are overwhelmingly positive. Customers report an easy claims process and great user experience.
Brand | Rating | User reviews |
|---|---|---|
Apple App Store | 4.8 | 353.6K |
Google Play | 4.7 | 73.2K |
Financial ratings
In 2021, State Farm received an A++ rating from A.M. Best, the highest score for financial stability an insurance company can receive. They also received an AA from S&P Global Ratings, which also speaks to the company's finical strength and its ability to pay claims on time.
Organization | Rating |
|---|---|
A.M Best | A++ |
S&P Global Ratings | AA |
Moody's | Aa1 |
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4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversFAQs
Does State Farm have a cancellation fee?
State Farm usually doesn't charge a cancellation fee, and you may even get a refund of your unused premium.
Does my State Farm insurance cover a rental car?
You're probably covered if you have both collision and comprehensive coverage, but the specifics of what's covered and not covered depends on your policy. Double-check with your policy, and check if the rental company offers insurance.
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