English
Arabic
French
Spanish
Portuguese
Deutsch
Turkish
Dutch
Italiano
Russian
Romaian
Portuguese (Brazil)
Greek
Our take
State Farm ranked No. 1 in Insure.com’s ranking of the Best Car Insurance Companies of 2023 with 4.6 stars out of 5.
State Farm customers report being highly satisfied with the company, possibly because of its commitment to excellent in-person service. It also received one of the highest scores for trustworthiness and 93% of its customers said they would sign up again with the company.
State Farm also received an A++ credit rating for financial stability from AM Best and a J.D. Power score of 842 for customer service out of a possible 1,000. It had the highest average J.D. Power number of all the auto insurance companies we ranked.
Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.
Pros and Cons
- It offers some of the lowest premiums available
- Customers say they are very satisfied
- The company is renowned for having a variety of policy options
- Median score for bundling home and auto insurance
- Lower score for claims handling
How much State Farm costs
State Farm had the second lowest monthly rates among the companies in our survey and its average rates were noticeably lower than some competitors like Allstate.
| Company | Monthly rate/premium |
|---|---|
| State Farm | $120 |
| Nationwide | $99 |
| Allstate | $174 |
How State Farm scores on customer satisfaction
When you ask State Farm customers about their satisfaction, the vast majority said they were satisfied with the company, which places it above many competitors like Progressive, Geico, and Allstate, which all scored 85% or lower.
| Company | Percent of customers that are satisfied |
|---|---|
| State Farm | 91% |
| Progressive | 85% |
| Geico | 85% |
How State Farm scores on ease of service
State Farm scored highly in customer satisfaction, and it also scored well when customers were asked about its ease of service. Of the companies we ranked, State Farm and American Family tied for the third highest score. Allstate was first, and a group of companies that includes Progressive tied for second. Ease of service comprises access to policy documents and the ability to make changes to a policy easily.
| Company | Percent of customers satisfied with the company’s ease of service |
|---|---|
| State Farm | 86% |
| Allstate | 88% |
| Progressive | 87% |
How State Farm scores on policy offerings
When we asked customers to score insurance companies based on policy offerings, State Farm scored highly and scored higher than many competitors.
| Company | Percent of customers satisfied with the company’s policy offerings |
|---|---|
| State Farm | 87% |
| Geico | 84% |
| Progressive | 84% |
Would current customers recommend State Farm to others?
State Farm comes very highly recommended by survey respondents. Of the companies ranked on Insure.com’s list, it ranks second after a two-way tie for first between Travelers and Erie when customers were asked if they would recommend the company to others.
| Company | Percent of customers who would recommend the company to others |
|---|---|
| State Farm | 94% |
| Travelers | 96% |
| Erie | 96% |
How trustworthy is State Farm?
When customers were asked to rate insurance companies for trustworthiness, State Farm came out on top of all the companies we ranked. In addition, in our survey, which included more insurers than just the ones we ranked, it came out almost as high as USAA, which received the highest score in this category. USAA, however, was not included in the overall ranking because it only provides services to members of the military community.
| Company | Percent of customers who say they trust the company |
|---|---|
| State Farm | 84% |
| USAA | 85% |
| Allstate | 81% |
Do State Farm customers plan to renew?
Most State Farm customers who responded to the survey said they planned to renew, which was similar to major competitors Geico and Allstate.
| Company | Percent of customers who plan to renew with the company |
|---|---|
| State Farm | 93% |
| Geico | 92% |
| Allstate | 90% |
How State Farm scores on claims handling
When it comes to claims handling, State Farm ranked in the middle of the top 10 companies on our list. Its 66% survey score was lower than Geico’s and Allstate’s. However, looking at an outside metric, State Farm scored above average on J.D. Power’s claims satisfaction survey at 882/1,000. The average was 873.
| Company | Survey score for claims handling |
|---|---|
| State Farm | 66% |
| Allstate | 87% |
| Geico | 76% |
How State Farm scores on digital experience
For digital experience – including both website and apps – State Farm was ranked toward the very bottom, and customers clearly preferred the online experience offered by most of its major competitors. It should be noted that most insurers didn’t do well in this category. Despite the survey results, State Farm’s app has a 4.8-star score in the Apple app store with 619K ratings.
| Company | Survey score for digital experience |
|---|---|
| State Farm | 16% |
| Geico | 35% |
| Progressive | 23% |
How State Farm scores for discounts
State Farm was ranked near the top of the heap when customers were asked about discounts. It bested most of its national competitors. With an average discount of 15%, State Farm is a great company for discounts.
| Company | Average discount | Survey score for discounts |
|---|---|---|
| State Farm | 15% | 77% |
| Farmers | 6% | 67% |
| Nationwide | 12% | 55% |
How State Farm scores for bundling home and auto policies
State Farm did not rank very highly when customers were asked about bundling home and auto policies, and many competitors offer steeper bundling discounts. However, State Farm did land in the top five for the size of the discount for bundling auto and home.
| Company | Discount for bundling home and auto | Survey score for bundling home and auto |
|---|---|---|
| State Farm | 16% | 75% |
| American Family | 18% | 81% |
| Geico | 10% | 25% |
State Farm car insurance coverages
- Motorhome
- Travel trailer
- Pay-as-you-drive plan: Safe & Save with In-Drive
- Antique auto
- Motorcycle
- Boat
- Off-road vehicle
- Rideshare (in certain states)
State Farm additional insurance policies
- Homeowners
- Condominium
- Renters
- Umbrella liability
- Personal property & articles
- Manufactured home
- Farm and ranch
- Small business
- Umbrella
- Health
- Long-term care
- Disability
State Farm car insurance coverage options
- Usage-based/Telematics: Rates can be based on your mileage and how you drive.
- Mobile app: The insurer offers an app for smartphones.
State Farm car insurance discounts
- Multi-policy: Discount for more than one type of policy with the same insurance provider.
- Multi-vehicle: Discount for two or more vehicles on the same car insurance policy.
- Driver training/defensive driving: Discount for an approved defensive driving or driver improvement class.
- Academic achievement: Discount for full-time students who meet certain academic criteria.
- Passive-restraint (air bag): Discount for factory-installed safety devices such as an air bag.
- Safe driver/clean driving record/good driver: Discount for no accidents or traffic violations, usually for three or five years.
States where State Farm offers coverage
Company background
Like a good neighbor, State Farm has been a supportive insurer across the United States for many years. Founded in 1922, it now holds the title of the largest car insurance company in the country with more than 19,000 agents in the U.S. and Canada.
State Farm is a mutual company that has been handling insurance claims since 1922. During that time, it has grown to offer a myriad of additional financial products, such as loans, banking and retirement accounts, investment accounts and estate planning. State Farm is also the largest home insurance company in the U.S.
