State Farm Car Insurance Review: Our Verdict

State Farm Car Insurance, founded in 1922, offers a reliable and well-established option for auto coverage across all 50 states and Washington, D.C. With a vast network of agents, you can count on personalized service whenever you need it. State Farm car insurance provides a wide range of coverage options that cater to various needs, making it easier to find a policy that fits your situation.
State Farm’s mobile app and online tools make managing your policy and filing claims straightforward, keeping things hassle-free. While rates may differ, the combination of nationwide availability and strong customer support makes State Farm a top contender for car insurance. If you value accessibility and personalized attention, State Farm is a solid choice.
Pros
- Offers competitive rates for drivers with speeding tickets or accidents on their records.
- Provides a usage-based insurance program (Drive Safe & Save) for safe drivers to earn discounts based on driving habits.
- Covers rideshare drivers with specialized insurance options.
- Offers numerous discounts in most states.
- Features a highly-rated mobile app for hands-on policy management.
- Provides plenty of agencies located across the country.
Cons
- Lacks accident forgiveness options.
- Omits live chat support.
- Charges the highest average rates for drivers with poor credit among the companies analyzed.
- Doesn’t offer gap insurance.
- Lacks accident forgiveness or a vanishing deductible.
- Received only a C- grade from collision repair experts for its claims process.
State Farm Car Insurance Review: Who State Farm Car Insurance Is Best For

State Farm Car Insurance is best for you if you:
- Want comprehensive coverage options: With a wide range of policies and add-ons, State Farm lets you customize your coverage to meet your specific needs, whether you’re looking for liability, collision, or comprehensive protection.
- Prefer a seamless digital experience: With an intuitive mobile app and online platform, State Farm makes it easy to manage your policy, track claims, and access support from anywhere.
- Need reliable customer support: State Farm’s strong customer service reputation means you can count on responsive and helpful assistance to address any questions or issues that arise with your insurance policy.
- Value personalized service: State Farm’s extensive network of local agents provides tailored support and expertise, ensuring you receive individualized attention and assistance whenever needed.
- Seek cost savings: Take advantage of State Farm’s competitive rates and numerous discounts, such as those for safe driving, bundling multiple policies, or having multiple vehicles, helping you save on your premiums.
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State Farm Car Insurance Review: Who State Farm Car Insurance Isn’t Right For
State Farm Car Insurance might not be right for you if you:
- Prefer minimal interaction with agents: If you favor an entirely online or app-based insurance experience without personal agent involvement, State Farm’s emphasis on local agent interactions might not align with your preferences.
- Need an insurer with a broad range of additional services: If you want insurance coverage that comes bundled with a wide array of non-insurance services or perks, State Farm’s primary focus on insurance might not provide the extras you’re seeking.
- Have a high preference for budget options: If finding the absolute lowest possible premium is your top priority and you’re willing to forego extensive coverage or additional benefits, State Farm’s pricing might not be the most competitive compared to some no-frills providers.
- Require a highly flexible policy: If you need a car insurance policy that allows frequent and significant changes or customizations, State Farm’s structured policies might be too rigid for your needs.
- Need extensive non-standard coverage options: For those looking for unique or specialized coverage not commonly offered by mainstream insurers, State Farm’s standard offerings may not meet your needs.
State Farm Car Insurance Review: What State Farm Car Insurance Offers

(I) Basic Coverage:
- Liability insurance
- Collision insurance
- Comprehensive insurance
(II) Additional Coverage Options:
- Uninsured/underinsured motorist coverage
- Medical payments coverage
- Rental car reimbursement
- Roadside assistance
- SR-22
State Farm Car Insurance Review: State Farm Car Insurance Details
Basic Coverage
- Liability insurance: Cover bodily injury and property damage you cause to others.
- Collision insurance: Protect your car from damage in an accident, regardless of fault.
- Comprehensive insurance: Safeguard your car against theft, vandalism, natural disasters, and other non-collision incidents.
Additional Coverage Options
- Uninsured/underinsured motorist coverage: Ensure protection in accidents involving drivers with insufficient insurance.
- Medical payments coverage: Pay for medical expenses for you and your passengers, no matter who’s at fault.
- Rental car reimbursement: Get a rental car covered if your vehicle is inoperable after an accident.
- Roadside assistance: Access services like towing, battery jump-starts, and tire changes when you need them.
- SR-22: Meet state requirements for SR-22 insurance if you have a DUI or multiple accidents on your record.
Discounts and Bundling
- Multiple policy discounts: Save by bundling your car insurance with other State Farm policies like home, renters, or life insurance.
- Driver education discounts: Earn discounts by completing driver education courses.
- Good driver discounts: Lower your premiums by practicing safe driving habits.
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State Farm Car Insurance Review: State Farm Car Insurance Pricing

State Farm’s full coverage premiums average $2,591 per year, slightly higher than the national average of $2,329. If you’re looking for minimum coverage, expect to pay around $819 per year with State Farm, compared to the national average of $633. For some drivers, State Farm may offer the most affordable rates, but recent rate hikes in many states could make it less competitive for others.
How Much Is State Farm Car Insurance?
The cost of State Farm auto insurance depends on factors like your age, driving history, and — in most states — your credit score. If you have a DUI conviction, State Farm won’t issue a new auto policy, and drivers with other violations may see higher rates.
Driver Profile and Premiums
- Good driver, good credit: Pay $2,591 for full coverage, compared to the national average of $2,329.
- Good driver, poor credit: Expect to pay $9,242 for full coverage, while the national average is $4,366.
- Speeding ticket with good credit: Your premium could be $3,132, versus the national average of $2,857.
- At-fault accident with good credit: Pay $3,457 for full coverage, with a national average of $3,378.
- DUI conviction with good credit: Your premium could rise to $4,856, compared to the national average of $4,532.
State Farm Car Insurance Review: Where State Farm Car Insurance Stands Out
State Farm Car Insurance sets itself apart in several key areas, making it a top choice for anyone looking for reliable and comprehensive auto coverage. Here’s where State Farm shines:
Top-Notch Customer Service:
With 24/7 support available through local agents and customer service centers, State Farm excels in providing personalized assistance when you need it most. From answering questions to helping you file a claim, State Farm ensures you experience smooth, stress-free service.
Impressive Discounts and Savings:
State Farm offers a variety of discounts that help you save on premiums. Whether you’re bundling policies, maintaining a safe driving record, or earning good grades as a student, you can take advantage of these opportunities to lower your costs without sacrificing coverage.
Nationwide Agent Network:
State Farm’s extensive network of local agents ensures you’re always close to expert advice and support. Whether you prefer face-to-face consultations or online interactions, State Farm gives you the resources you need to make informed decisions about your car insurance.
Extensive Coverage Options:
State Farm offers a wide range of coverage options tailored to your needs. Whether you want basic liability coverage or a full package that includes collision, uninsured motorist, and rental reimbursement, State Farm has the flexibility to customize your policy to match your situation.
State Farm Car Insurance Review: Where State Farm Car Insurance Falls Short
State Farm Car Insurance offers solid coverage, but there are areas where it may not meet your expectations. Here’s where State Farm falls short:
Average Claims Process:
Though State Farm is reliable, its claims process can sometimes be slower than expected. You might experience delays in getting repairs approved or receiving claim payouts, which can be frustrating when you’re already dealing with the stress of an accident.
Less Competitive for High-Risk Drivers:
If you have a less-than-perfect driving record, State Farm might not be the best fit. Their rates for high-risk drivers tend to be higher than other insurers who specialize in this market, making it worth shopping around if this applies to you.
Limited Availability of Discounts:
While State Farm offers various discounts, they might not be as extensive or easy to qualify for compared to other insurers. If you’re looking to maximize savings, you might find that other companies provide better opportunities to reduce your premium.
Limited Digital Experience:
While State Farm has a mobile app, its digital experience doesn’t match the level of tech-savvy competitors. You might find the app lacking in advanced features that other insurers offer, like digital ID cards or more streamlined claim processing.
Higher Premiums for Some Drivers:
State Farm’s rates can be higher, especially if you don’t qualify for their discounts. If you’re a younger driver or live in an area with higher insurance rates, you may find more affordable options elsewhere that still offer comparable coverage.
State Farm Car Insurance Review: How to Qualify for State Farm Car Insurance
To qualify for State Farm car insurance, you generally need to meet the following criteria:
- Be a legal resident of the United States.
- Be at least 16 years old and have a valid driver’s license.
- Own a vehicle that you want to insure.
- Provide proof of ownership, such as a vehicle title or registration.
- Provide information about your driving history, including any accidents, traffic violations, or suspensions.
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9. Westfield Car Insurance Review: Alternative to Westfield Car Insurance
To qualify for State Farm car insurance, you generally need to meet the following criteria:
- Be a legal resident of the United States.
- Be at least 16 years old and have a valid driver’s license.
- Own a vehicle that you want to insure.
- Provide proof of ownership, such as a vehicle title or registration.
- Provide information about your driving history, including any accidents, traffic violations, or suspensions.

Additional factors that may affect your eligibility and premium include:
- Your age: Younger drivers, especially those under 25, may face higher rates.
- Your location: Rates can vary based on your city, state, and neighborhood.
- Your vehicle: The type, make, model, and year of your vehicle can impact your premium.
- Your coverage options: The amount of coverage you choose will directly affect your premium.
State Farm Car Insurance Review: Alternatives to State Farm Car Insurance
If you’re exploring options beyond State Farm for your car insurance needs, several alternatives might catch your interest. Here’s a look at some top contenders:
Geico: Known for its competitive pricing, Geico offers car insurance with rates starting around $1,303 per year for full coverage. Geico shines with its user-friendly online platform and extensive range of discounts, making it a popular choice for budget-conscious drivers. Plus, its 24/7 customer service ensures you can get help whenever you need it.
Progressive: Starting at about $1,742 per year for full coverage, Progressive stands out for its customizable coverage options and the Name Your Price tool, which helps you find a policy that fits your budget. It also offers a variety of discounts, including savings for safe driving and bundling multiple policies.
Allstate: Allstate offers comprehensive coverage starting at $2,276 per year. Known for its wide range of coverage options and strong customer support, Allstate provides features like accident forgiveness and new car replacement. If you’re looking for extensive coverage and additional perks, Allstate might be worth considering.
USAA: For military members, veterans, and their families, USAA offers exceptional value, with full coverage rates starting at $1,273 per year. USAA is best known for its excellent customer service and competitive rates, making it a top choice if you qualify for its membership.
State Farm Car Insurance Review: Customer Reviews
State Farm Car Insurance gets mixed feedback from customers. On ConsumerAffairs, it scores a 2.3, with many reviewers expressing frustration over higher-than-expected premiums and slow claims processing. Some users appreciate the local agent access and the broad range of coverage options, but others find the customer service and value for money lacking.
WalletHub gives State Farm a 3.1 rating, reflecting a similar split in opinions. Reviewers point out that while State Farm offers competitive rates for some drivers and a strong local presence, issues like policy adjustments and customer service responsiveness often come up.
Pro Tips
- Assess your coverage levels to avoid overpaying or being underinsured.
- Take advantage of discounts like safe driver, multi-policy, and vehicle safety feature discounts to lower premiums.
- Work with a local agent for personalized advice and to find the best rates.
- Document your claims experiences to understand expectations and ensure proper support.
- Keep updated on any changes to your policy or State Farm’s offerings for optimal coverage.
- Consider optional coverages like roadside assistance or rental car reimbursement for enhanced protection.
Recap
State Farm Car Insurance offers a range of coverage options and discounts to fit different needs and budgets. With a broad network of local agents, you can get personalized advice and support tailored to your situation. While its rates may be higher than some competitors, the company’s strong reputation and wide range of coverage options make it a solid choice. To get the most out of your policy, be sure to explore all available discounts and consider adding extra coverage options for added peace of mind.
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