For more than 100 years, State Farm has helped insure its customers with its car, home, and life insurance products. As a company, it’s financially strong and committed to community service. It’s the largest auto insurance and home insurance company in the United States by market share.1

What is State Farm car insurance?

Although State Farm offers various insurance products, it actually started with car insurance as its only offering. In 1922, retired farmer G. J. Mecherle started the company to provide car insurance to rural drivers. Over time, the company grew, and now it offers numerous different products to customers.3

State Farm car insurance coverage

State Farm offers various car insurance coverage options for customers, including:

How to get a State Farm car insurance quote

You can get a State Farm car insurance quote directly on the State Farm insurance home page. Select “Auto” for your insurance product and enter your ZIP code. Then, you create your Personal Price Plan, which generates an auto insurance quote. Or you can contact a local State Farm agent for a quote.

You can also use a quote-comparison platform like Insurify. Although State Farm is a well-known company, insurance prices can vary depending on your personal situation. Using a quote-comparison platform can help you determine which insurance company offers you the best coverage for the best price.

State Farm car insurance cost by state

Car insurance prices vary by state.4 Below are the average monthly rates for State Farm’s liability-only and full-coverage car insurance.

State Farm auto insurance rates by driving history

Your driving history influences your car insurance rates. If you have a clean driving record, you’ll pay lower average rates than if you had a DUI, speeding ticket, or at-fault accident in the past.4 Here’s how driving history can affect State Farm’s average monthly quotes.

State Farm car insurance cost by age

Younger drivers are riskier than older drivers, so they tend to pay more on average for car insurance. But once drivers reach 25 years old, their rates drop significantly. Here are State Farm’s average monthly premiums based on driver age.

State Farm car insurance discounts

State Farm, like many other auto insurers, offers several car insurance discounts for drivers to save money. Here are some of the most popular ones:

• Safe driver: State Farm has a program called Drive Safe & Save. You enroll via a mobile app that tracks your driving and then receive discounts for enrolling and driving safely. Drivers with no moving violations or accidents in the past three years can save on their premiums.

• Steer Clear: This is a program for new drivers or drivers younger than 25. Through this program, you learn how to become a safer driver. If you complete the program requirements and have no at-fault accidents or moving violations, you can earn a premium discount.

• Good student: You can get a good student discount if you rank in the top 20% of your class, have a 3.0 GPA, made the dean’s list, or are on the honor roll.

• Student away at college: Students younger than 25 who move away to school and drive only during holidays and school vacations may be eligible for this discount.

• Multiple cars: If you insure two or more vehicles at the same address with State Farm, you could qualify for a discount.

• Vehicle safety features: People with cars that have anti-theft devices, passenger restraints, and other safety features can potentially score discounts.

State Farm insurance bundling options

When you purchase home insurance and car insurance policies from the same company, you typically get a discount. State Farm offers a bundling discount for customers who buy auto insurance and home, condo, life, or renters insurance. It advertises savings of up to $1,127 per year on auto and home insurance when you bundle.

What is State Farm Drive Safe & Save?

If you enroll in State Farm’s Drive Safe & Save program, it will track and record your driving habits. You have to opt in to the program and agree to have State Farm track your driving. The payoff is that you could save up to 30% on your premiums. If you want to download the app, text SAVE to 42407.

State Farm Insurance reviews

Read verified reviews from State Farm customers.

State Farm ratings

State Farm has earned generally poor ratings from trusted review sites. Here are some of State Farm’s ratings:

• Trustpilot: 1.5 out of 5 stars with 855 reviews

• Sitejabber: 1.2 out of 5 stars with 166 reviews

• National Association of Insurance Commissioners (NAIC): Below average number of consumer complaints

How to file an auto insurance claim with State Farm

After an accident or covered event, you can file a claim with your insurance company to request reimbursement up to your policy limits after paying any deductibles.5 State Farm recommends using its mobile app to file the claim. When filing a claim, make sure you have all your information handy, such as the date and time of the incident, location of the incident, description of the damages, and more.

Once you fill out this information, you can start a claim, and a State Farm representative will contact you with the next steps.