In an evaluation of insurance companies based on real policyholders' feedback, Jerry's 2023 insurance policy study ranks State Farm amongst the top companies in the US.

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Updated on Oct 24, 2023

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

What's on this page?

Comprehensive State Farm Car Insurance Review
So, is State Farm a good insurance company?
State Farm car insurance reviews
State Farm pros and cons
Is State Farm the right insurance company for you?
Is State Farm car insurance expensive?
Will State Farm raise your rates?
Does State Farm resolve claims fast?
Does State Farm have good customer service?
State Farm car insurance discounts
State Farm coverage options
State Farm's additional tools and services
FAQs
Read all State Farm Car Insurance Reviews
Methodology
Meet Our Experts

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Comprehensive State Farm Car Insurance Review

Jerry's 2023 review of insurance companies indicated that State Farm - the largest auto insurer in America - earned favorable rating, especially when it comes to handling claims.

Here's how actual State Farm policyholders:

3.9

1,279 Reviews

5 Stars

46.6%

4 Stars

21.97%

3 Stars

16.89%

2 Stars

5.71%

1 Star

8.84%

So, is State Farm a good insurance company?

On the whole? Yes.

We examined over 1,300 real State Farm customer reviews and discovered that over 70.7% of those reviews were positive, while just 12.75% were negative.

When compared to the average of 64% positive reviews and 18.54% negative reviews across all categories, it's easy to see why State Farm ranked so highly in our survey.

The positive: State Farm received mostly favorable comments, with praise directed at the company's

cheap car insurance rates

and helpful customer service. Many State Farm policyholders mentioned:

Lower rates compared to the national average

Wide range of reliable discounts

Lots of coverage for

rental cars

and travel costs

The negative: On the flip side, complaints typically focused on being unable to add on optional coverages like gap insurance or accident forgiveness. Other negative reviews mentioned:

Difficulty using the mobile app

Rate increases despite a clean driving record

Mixed experiences with State Farm agents

Jump to:

State Farm Car Insurance Reviews

State Farm Pros and Cons

In our comprehensive survey, we asked real policyholders about their experiences with State Farm's costs, claims process, customer service, and policy renewal.

Check out the table below to see, at a glance, what how they ranked State Farm:

Criteria	State Farm's Rating	Industry Average
Overall	4	4.1
Cost / Price	3.4	3.8
Claim Experience	4	3.5
Customer Service	4.1	4
Renewal Experience	4.1	4

When evaluating State Farm’s strengths and weaknesses, we wanted to check out how other industry leaders, like the National Association of Insurance Commissioners (NAIC) and Better Business Bureau (BBB), rated them. Here’s how they ranks against the national average for other insurance companies in the US:

Critera	State Farm	Score Out Of
BBB Rating	A+	A+
NAIC Rating	1.44	6
Clearsurance	4.1	5
A.M. Best Rating	A++	A++
IOS App Store Rating	4.8	5
Google Play Store Rating	4.7	5

Please note* that a greater NAIC score indicates increased risk.

State Farm car insurance reviews

Customers of State Farm were surveyed to find out how they felt the company fared on a variety of metrics. Some policyholders of State Farm have shared their candid feedback:

State Farm pros and cons

Using data from our nationwide insurance customer satisfaction survey and ratings provided by independent third parties, we've compiled the following pros and cons of purchasing an auto insurance policy from State Farm:

Pros

Lots of discounts and plenty of opportunities to save money on your policy

Superior travel and rental car packages

Easy claim filing process and good customer service

Cons

Not a great option for drivers with a bad credit score

More complaints than the average company of the same size

Is State Farm the right insurance company for you?

State Farm is usually one of the better car insurance companies for:

Drivers who value working with a local agent

Drivers with good credit

Drivers who put customer service first

Drivers with violations, such as speeding tickets

Keep in mind that State Farm may not offer the lowest rates for all drivers in these demographics. However, State Farm can save you money even if you are a young driver or have a

good driving record

State Farm is a full-service insurance company that sells new

auto and home policies

in all states except

Massachusetts

and

Rhode Island

. State Farm has also stopped selling new homeowners insurance policies in

California

as of May 2023. Their insurance products include standard auto, home, and renters insurance as well as more specialized ones like life insurance, off-road vehicle insurance, and even identity theft insurance.

Click on the links below to see how our review of State Farm's car insurance services is broken down.

Is State Farm car insurance expensive?

In general, State Farm's car insurance rates are lower than average.

According to the results of our survey, only 17.3% of reviews mentioned State Farm's costs. About 57.3% of those reviews were positive, while approximately 32.5% were negative.

State Farm ranked 14th in terms of customer satisfaction with their insurance costs, with a score of 3.4/5. The national average is 3.81/5, so they are slightly below average. When we compared State Farm costs to other insurance companies, we discovered the following:

State Farm Policy Cost Rating	Ranking	Industry Average
3.4	14	3.8

When comparing prices, remember that State Farm's rates change depending on the driver. Like most insurance companies, State Farm takes the following into account when calculating your monthly payment:

Age

Driving history

Location

Type and

amount of coverage

Credit history

Vehicle make, model, and year

Insurance companies calculate premiums

based on several different things, and insurers in each state can use any rating system they want. When we looked at State Farm's data, we noticed the following trends:

State Farm cost reviews

See how real Jerry users rated State Farm based on cost:

Will State Farm raise your rates?

Every time you

renew your policy

, State Farm—like any other insurer—can decide to raise your rates.

State Farm may raise your insurance premium because of the following:

New address

New tickets, violations, or accidents

New vehicle on the policy

New driver on the policy

Inflation

Based on Jerry's surveys, we learned that 44.8% of State Farm customers chose to renew their policy. It's important to remember that insurance rates tend to change over time regardless of your driving record or other factors.

Does State Farm resolve claims fast?

Depending on the laws in your state, State Farm usually settles

insurance claims

between 30 and 90 days after they are filed. For example, State Farm typically takes about 35 days to settle claims in Texas and about 85 days to settle claims in California.

During this time, State Farm’s agents will look into the claim, evaluate the damages or injuries, and figure out who is at fault and what coverage is available so that a quick settlement or denial can be made. Meeting this deadline helps make sure that policyholders get quick and effective help, which reduces the stress and delays that come with the claims process.

Our data shows that nearly half of State Farm policyholders—44.7%—have submitted a claim. The majority of State Farm's policyholders are pleased with the company's claims service, as indicated by a score of 3.9/5.

Compared to the average claims process rating of 3.54 out of 5, State Farm's rating stands out as above average. Based on feedback from legitimate customers about the company's claims process, we ranked State Farm 8th among companies of a similar size.

Check out the table below to learn more about how State Farm handles claims:

State Farm Claims Resolution Rating	Ranking	Industry Average
4	8	3.5

State Farm claims reviews

See how real Jerry users rated State Farm based on claims handling:

Does State Farm have good customer service?

State Farm's customer service is consistently rated as top-notch.

State Farm received an average rating of 4.07 out of 5 from customers polled. In other words, compared to the national average of 3.9/5 for customer service, State Farm is doing pretty well.

Reviews that gave Progressive's customer service high marks often talked about how easy it was to get in touch with an insurance agent and how personal the service felt.

From the responses we received, we found out the following about State Farm's customer service:

State Farm Customer Service Rating	Ranking	Industry Average
4.1	11	4

State Farm customer service reviews

See how real Jerry users rated State Farm based on customer service below:

State Farm car insurance discounts

State Farm has several

discounts

that can help you save money on your car insurance.

If you practice safe driving habits, don't put on many miles, and buy multiple policies from the same insurer, you may be eligible for discounts that significantly reduce your monthly auto insurance rates. Saving money on car insurance is as simple as upgrading to a safer vehicle and selecting a policy that factors in past driving violations and accidents.

State Farm offers the following discounts:

Accident-free discount: You could get a discount of up to 25% from State Farm if you've had auto insurance with them for at least 3 years in a row without a claimable accident.

Anti-theft discount: You could get a discount if your car has a security system or another State Farm-approved anti-theft device.

Defensive driving discount: Depending on where you live, if you take a driver safety course and pass it, State Farm may give you a discount on your car insurance.

Drive Safe & Save

discount: If you join State Farm's optional Drive Safe & Save program, you can save up to 30%. Your discount is based on information about how you drive that is collected by your smartphone or the OnStar® device in your car.

Driver training discount: You could get a discount if all of the drivers on your policy younger than 21 finish a State Farm-approved driver education training.

Good driver discount

: This discount is available to new State Farm customers who haven't caused an accident or gotten a traffic ticket in the past three years.

Good student discount

: Customers of State Farm can save up to 25% if a student on their policy has a GPA of at least 3.0. The student must be between the ages of 16 and 25 and go to high school, college, or home school full-time.

Multi-vehicle discount: If State Farm covers two or more cars in your household, you could save up to 20% on your policy. The cars must be owned by people who are related or married.

Multi-policy discount: You could save up to 17% if you obtained your auto insurance from State Farm along with your home, renter's, condo, or life insurance.

Passive restraint discount: If your older car (made before 1993) has an airbag or other passive restraint system installed at the factory, you can save up to 40% on your medical coverage.

Steer Clear® discount: With State Farm's Steer Clear discount, you could save up to 15% while learning how to be a better driver. Drivers under 25 who haven't been in a crash or gotten a traffic ticket in the last three years can join.

Student away at school discount

: If one of the drivers on your State Farm car insurance policy is a student under the age of 25 who goes away to school and only uses an insured vehicle when visiting home, you may qualify for a discount.

Vehicle safety discount: Depending on how many times your make and model of car has been fixed, you could save up to 40% on medical coverage if it was made in or after 1994.

The discounts offered by your insurance company may have changed since this page was last updated. State Farm's website and customer service representatives are excellent resources for the most recent discount details.

State Farm coverage options

Even though all insurance companies are required by law to provide at least the

minimum coverage

required in your state, State Farm also provides several optional extras that you can purchase. Most drivers need a

full coverage insurance policy

to meet all their insurance needs.

Customers of State Farm can obtain the following types of insurance coverage:

Liability insurance

: Most states require you to have at least basic liability coverage, which pays for damage you cause to other people in an accident where you are found to be at fault. Almost all of the time, your policy will need to have minimum limits for both

bodily injury liability

and

property damage liability

Collision insurance

: Collision coverage is an option for auto insurance that pays for repairs to your car after an accident or collision, minus a deductible. A collision policy from State Farm will also cover you when you're driving a car you just bought, a car you're borrowing, or a temporary replacement car.

Comprehensive insurance

: State Farm's comprehensive coverage plan protects your car from certain damages that a collision policy doesn't cover. This could include car theft, vandalism, or damage from floods or fires, just to name a few things. Your coverage will pay up to the actual cash value of your car, minus a deductible.

Personal injury protection (PIP):

Drivers in no-fault states must carry this coverage, which pays for medical expenses for you and your passengers after an accident, along with rehabilitation costs and lost wages.

Medical payments (MedPay) coverage

: This add-on is optional outside of Maine and New Hampshire, but if you get it, it will help pay for any medical or funeral costs for you, your family, or your passengers, no matter who was at fault in an accident.

Rental reimbursement coverage

: This policy add-on will help cover the cost of a rental car if your car can't be driven or needs repairs because of a claim that was approved by State Farm.

Uninsured/underinsured motorist insurance

: Both uninsured and underinsured motorist coverage are meant to protect you if you get into an accident with a driver who is at fault but doesn't have enough liability coverage to pay for your damages.

Antique or collector coverage

: State Farm's version of classic car insurance is meant to cover the extra costs that could come up if a collector car is damaged or stolen. There are rules about the age, use, condition, and storage of vehicles.

Rideshare insurance

: The State Farm rideshare coverage plan is available in most states. It protects drivers for Transportation Network Companies (TNCs) like Lyft and Uber when their company insurance doesn't cover them.

Select repair services: State Farm customers who have a valid policy claim can choose and authorize their own auto repairs by choosing from a list of approved providers.

Emergency roadside service

: State Farm offers emergency roadside assistance 24 /7 to customers who already have a policy with them or who add the service to their policy. The service will pay for towing and labor costs up to the limit of your policy, but you will have to pay for replacement items yourself.

Emergency lockout coverage: If you have a State Farm Roadside Assistance plan, you can get help if you get locked out of your car up to the limit of your policy.

Car rental and travel expenses coverage bundle: After a claim is approved, your car rental reimbursement insurance will pay for a rental car up to the amount of your policy. If you get stuck more than 50 miles from home because of a claimable event, travel expenses coverage will pay for your meals, lodging, and transportation costs up to the limit of your policy.

State Farm's additional tools and services

State Farm has many other perks that might make it worth looking into. Some of these include:

ATV and off-road vehicle insurance

Condo insurance

Digital tools and mobile app

Identity theft protection

Landlord insurance

Motorcycle insurance

RV insurance

Renters insurance

Umbrella insurance

It's important to remember that some or all of these options may be unavailable to you, depending on factors like your location and the specifics of the policy you select. To find out more about the different policies State Farm offers, you can visit their website or give them a call.

MORE:

Does State Farm offer temporary car insurance?

FAQs

How do I file a claim with State Farm?

You can submit a claim to State Farm online, via the company's mobile app, or by phone.

Be prepared to give your State Farm policy number, as well as a description of the incident, damages, and injuries, as well as the time and date of the incident.

Where is State Farm car insurance available?

State Farm car insurance is available in every state except Massachusetts and Rhode Island.

Does State Farm have good reviews?

Yes! State Farm does have great reviews, with an average overall rating of 3.9/5. They also have an A++ (Superior) financial strength rating from AM Best and the highest customer satisfaction rating in J.D. Power’s 2023 U.S. Insurance Shopping Study.

Does State Farm have a cancellation fee?

State Farm rarely charges a cancellation fee, and you may even be refunded for unused premiums.

Read all State Farm Car Insurance Reviews

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.