State Farm Auto Insurance: User Reviews and Quotes (2025)

State Farm is the largest U.S. auto insurance company by market share, and it earns high marks for outstanding customer service.

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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

Quick Facts
  • State Farm has an Insurify Quality (IQ) Score of 9.3 out of 10. The company earned a high score in part due to above-average customer satisfaction rankings, solid financial strength ratings, and quality coverage offerings.

  • State Farm has an A++ (Superior) financial strength rating from AM Best, the highest rating possible.2

  • The national average cost of full-coverage auto insurance from State Farm is $110 per month.

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 vs. Allstate, GEICO, and Farmers

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

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.

State Farm car insurance FAQs

Below are answers to some of the most frequently asked questions about State Farm Insurance.

  • Is State Farm Insurance legitimate?

    State Farm is a legitimate company and the largest property/casualty insurance company in the United States by market share. But it has had accusations of fraudulent and allegedly discriminatory practices. In one instance, the Equal Opportunity Commission agreed with a former State Farm employee that State Farm carried out racial discrimination practices. Other agents came forward with similar claims, and the insurer has faced multiple lawsuits, according to The New York Times.6 In 2022, a U.S. district court found a State Farm subsidiary guilty of committing insurance fraud against the federal government after Hurricane Katrina and ordered the company to pay $100 million in restitution, according to the Associated Press.7

    Its also worth noting that State Farm has positive ratings from the NAIC for lower numbers of customer complaints and from J.D. Power for high customer satisfaction.

  • Is State Farm car insurance right for you?

    Whether State Farm car insurance is right for you will be up to your personal preferences, your budget, and your personal driving record.

  • What is the average cost of State Farm car insurance?

    The national average for State Farm auto insurance is $110 per month for full coverage and $56 per month for liability-only insurance.

  • Is State Farm good with claims?

    State Farm has earned an A++ (Superior) financial strength rating from AM Best. This means the company has the financial ability to pay out future claims.

  • Does State Farm track your driving?

    Yes. If you opt into the Drive Safe & Save telematics program, State Farm will use a mobile app to track your driving.

  • How do you cancel your State Farm insurance policy?

    You can cancel a State Farm insurance policy over the phone, in person, or by mail. If you don’t know what to do, call your agent and ask them to walk you through the cancellation process. Before you cancel your policy, make sure you compare quotes and secure new coverage to avoid an insurance lapse.

Catherine Collins
Catherine Collins

Catherine Collins is a freelance financial writer and author based in Detroit. She's the co-founder of MillennialHomeowner.com and MomsGotMoney.com, and author of the book Mom’s Got Money: A millennial mom’s guide to managing money like a boss. She has written for US News, Huffington Post, Money, Business Insider, Investopedia, Entrepreneur, Go Banking Rates, and many other publications. She currently resides in Detroit, Michigan with her boy-girl twins and a rescue dog named Julep.

State Farm Auto Insurance: User Reviews and Quotes (2025) | Insurify