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Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is one of the best auto insurers on the market, thanks to its reliable service, financial strength, and claims handling. It’s best for drivers who want a policy that fits their needs with a good mobile app experience.
Large network of local agents
Highly rated mobile app
Nationwide availability
Higher rates for drivers with poor credit
Fewer optional coverages
Doesn’t offer gap insurance
State Farm is the largest car insurance company in the U.S., leading the industry with a nearly 20% market share.[1] The company has an extensive network of local agents and a convenient mobile app. State Farm also stands out thanks to its Drive Safe & Save program, which rewards safe driving with discounts of up to 30%.
With consistently affordable rates and nationwide availability, State Farm is a good option for customers who value personalized service. Let’s dig deeper into State Farm auto insurance and find out what customers are saying.
State Farm consistently earns high marks for its reliability, claims satisfaction, and overall customer satisfaction. Its combination of digital convenience and local agent support helps customers get the help they need when they need it.
In the table below, we rate how State Farm performs across five areas, each rated on a scale from 1 to 5.
Category  | Score |
|---|---|
| Cost | 5.0/5 |
| Customer satisfaction | 4.7/5 |
| Policy management | 5.0/5 |
| Availability | 5.0/5 |
| Industry reputation | 5.0/5 |
| Overall Score | 5.0/5 |
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s proprietary Compare.com Rating, which highlights its overall standing among the industry’s best companies.
|  |  |  |  |
|---|---|---|---|---|
Average Premium Prices based on average across state-minimum and full coverage car insurance $82/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $115/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $137/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $106/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $187/mo* |
Overall Rating 3.9 | Overall Rating 4.1 | Overall Rating 3.2 | Overall Rating 3.5 | Overall Rating 3.6 |
Value 4.0/5 | Value 4.2/5 | Value 3.3/5 | Value 3.8/5 | Value 3.9/5 |
Customer Service 4.4/5 | Customer Service 4.3/5 | Customer Service 3.7/5 | Customer Service 4.1/5 | Customer Service 4.2/5 |
Claims Handling 3.9/5 | Claims Handling 4.0/5 | Claims Handling 3.4/5 | Claims Handling 3.6/5 | Claims Handling 3.9/5 |
Special Highlight N/AAI-generated from 297 user reviews | Special Highlight N/AAI-generated from 248 user reviews | Special Highlight N/AAI-generated from 274 user reviews | Special Highlight N/AAI-generated from 165 user reviews | Special Highlight N/AAI-generated from 51 user reviews |
State Farm shines thanks to its extensive network of local agents, flexible policies, and low pricing. It also offers two telematics programs that reward safe driving, plus plenty of discounts to help you save on your premiums.
State Farm also has a highly rated mobile app and strong financial stability ratings.[2]
State Farm’s average rates can be higher for customers with poor credit or a less-than-perfect driving record. The company also doesn’t offer as many add-on coverages as some competitors, like gap insurance or new car replacement.
State Farm occasionally receives negative reviews about coverage exclusions or lower-than-expected settlements.
Compare quotes from top auto insurance companies and save money in seconds.
Reading feedback from real customers is the best way to understand how State Farm handles disputes and settlement negotiations. Repeated complaints can reveal issues with the company’s customer service and claims experience.
Below, check out reviews from real Compare.com customers who have or have had State Farm auto insurance.
Car insurance rates can vary from one driver to the next. Factors like your age, driving history, vehicle type, and credit all influence how much you pay for coverage. And because each insurer weighs these factors differently, you should compare the average rates of drivers similar to you.
The table below shows State Farm’s average full-coverage rates for different types of drivers, based on Compare.com data.
Driver Type | Average Monthly Premium |
|---|---|
| All drivers | $108 |
| Teens | $220 |
| Seniors | $77 |
| Recent ticket | $135 |
| Recent accident | $138 |
| DUI conviction | $159 |
| Excellent credit | $86 |
| Bad credit | $173 |
Auto insurance rates can also vary quite a bit depending on where you live. Local laws, population density, accident frequency, repair costs, and weather risks can all affect your premiums. For example, if you live in an area with heavy traffic congestion, you’ll likely pay higher premiums.[3]
The map below shows State Farm’s average full-coverage car insurance rates by state, according to Compare.com data.
State | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Alabama | $53 | $93 |
| Alaska | $95 | $130 |
| Arizona | $95 | $133 |
| Arkansas | $45 | $85 |
| California | $126 | $279 |
| Colorado | $60 | $116 |
| Connecticut | $111 | $157 |
| Delaware | $128 | $179 |
| Florida | $108 | $116 |
| Georgia | $100 | $139 |
| Hawaii | $63 | $138 |
| Idaho | $34 | $50 |
| Illinois | $52 | $87 |
| Indiana | $47 | $83 |
| Iowa | $23 | $43 |
| Kansas | $54 | $94 |
| Kentucky | $107 | $161 |
| Louisiana | $64 | $107 |
| Maine | $42 | $81 |
| Maryland | $206 | $271 |
| Massachusetts | $56 | $77 |
| Michigan | $137 | $224 |
| Minnesota | $62 | $93 |
| Mississippi | $42 | $74 |
| Missouri | $67 | $118 |
| Montana | $34 | $63 |
| Nebraska | $73 | $132 |
| Nevada | $77 | $100 |
| New Hampshire | $83 | $101 |
| New Jersey | $368 | $432 |
| New Mexico | $96 | $124 |
| New York | $180 | $200 |
| North Carolina | $105 | $153 |
| North Dakota | $24 | $40 |
| Ohio | $46 | $72 |
| Oklahoma | $41 | $76 |
| Oregon | $73 | $92 |
| Pennsylvania | $67 | $75 |
| Rhode Island | $136 | $164 |
| South Carolina | $75 | $116 |
| South Dakota | $39 | $90 |
| Tennessee | $49 | $93 |
| Texas | $59 | $98 |
| Utah | $80 | $116 |
| Vermont | $20 | $30 |
| Virginia | $66 | $105 |
| Washington | $56 | $111 |
| Washington D.C. | $211 | $304 |
| West Virginia | $50 | $78 |
| Wisconsin | $38 | $62 |
| Wyoming | $26 | $54 |
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State Farm offers a wide range of auto insurance coverages that you can tailor to fit your needs. When you get a quote, you can customize your coverage levels and deductible to fit within your budget.
Here’s a closer look at some of the coverages State Farm offers:
Liability coverage: Containing both bodily injury and property damage liabliity insurance, this pays for injuries or damages you cause to the other driver and their passengers in an at-fault accident.
Comprehensive coverage: Often paired with collision insurance, comprehensive coverage protects against non-collision events, like theft, vandalism, or weather-related damage.
Collision coverage: This pays to repair or replace your vehicle if you hit another car or object. It’s most often paired with comprehensive insurance to form a “full-coverage” policy.
Uninsured/underinsured motorist (UM/UIM) coverage: If a driver without car insurance or someone who is underinsured hits your vehicle, UM/UIM coverage can pay for your medical bills and lost wages.
Medical payments coverage: This coverage pays for medical bills or funeral expenses if you or a passenger suffers injuries in a car accident.
Rideshare coverage: A rideshare insurance add-on provides coverage while you’re driving for companies like Uber or Lyft.
Roadside assistance: This coverage includes services like towing, flat tire changes, and lockout assistance.
Rental car coverage: This insurance covers the cost of a rental car while your vehicle is in the shop for a covered claim.
State Farm offers more than a dozen discounts to help lower the cost of your auto insurance. Here are some of the different ways to save:
Drive Safe & Save: You’ll earn an initial 10% discount for enrolling in the program and could save up to 30%, depending on your driving habits.
Steer Clear: Drivers younger than 25 can earn a discount by installing the Steer Clear app and completing the program.
Defensive driving: Depending on where you live, you could earn a discount for completing a defensive driving course.
Safe driver: You can earn a safe driver discount if you haven’t had a moving violation or at-fault accident in the past three years.
Driver training: Drivers younger than 21 who complete a driver education course could earn a discount.
Student away at school: If you have a kid away at college who uses the car only during school breaks and holidays, you could earn a discount on your premiums.
Loyalty: Longtime State Farm customers could earn a loyalty discount.
Low mileage: If you don’t drive very often, ask your State Farm agent about a low-mileage discount.
Multi-policy: Bundling multiple policies, like auto and homeowners insurance, could help you save on your premiums.
Multi-vehicle: If you have more than one vehicle you need to insure, State Farm may give you a multi-vehicle discount.
Vehicle safety: State Farm also offers discounts for vehicle safety features, like factory-installed airbags, passive restraint systems, and anti-theft devices.
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You can file a claim with State Farm by phone, online, or through its mobile app. If you use the app, you can check your claim’s status at any time. Here are the steps to file a claim:
Report the claim. Start by filing your claim through the app, online, or by phone. If you can’t drive your vehicle, you can call 1 (855) 259-8568 to request a tow.
Include all the details. Next, you’ll provide details about the accident, like photos, the name and contact information of the other driver, vehicle descriptions, and the location where the accident occurred. If you filed a police report, have a copy handy during the claims process.
Get a virtual estimate. State Farm also lets you get a virtual estimate by taking photos of your vehicle to assess the damage. You’ll receive an initial estimate and payout within 48 hours of submitting the photos.
Choose a repair shop. You can choose a repair shop through State Farm’s Select Service options. If you pick one of these shops, you’ll receive a guaranteed completion date and a limited lifetime warranty.
Track your claim. You can track your claim on the app while you wait for State Farm to finalize it. Once State Farm approves your claim, payment and repairs should be quick.
Drive Safe & Save is State Farm’s telematics program that rewards safe driving habits. You’ll earn a 10% discount just for signing up, and depending on your driving habits, you could receive up to 30% off your premiums at your next policy renewal.
The program uses data from your smartphone to monitor things like speed, acceleration, braking, cornering, phone use, and mileage.
State Farm bases your full discount on your mileage and driving habits. The better your driving is, the higher your discount will be. But most importantly, Drive Safe & Save won’t increase your premiums — it can only help you save money.
Find the coverage you need for your car at the best price.
Founded in 1922, State Farm is now one of the largest and most recognizable insurers in the U.S. Here’s some additional information about State Farm:
In addition to auto insurance, State Farm offers a wide range of insurance products to protect nearly every aspect of your life. Here are some of the different options you can choose from:
Other vehicle insurance: In addition to auto insurance, State Farm offers boat, off-road vehicles, RV, camping trailer, and motorcycle insurance.
Property insurance: State Farm offers homeowners, renters, condo, rental property, personal property, and manufactured home insurance.
Business insurance: State Farm also offers a variety of business policies, including business owners, commercial umbrella, commercial auto, and workers’ compensation.
Personal insurance: You can also purchase an individual policy, like insurance for life, personal liability, health, pet, disability, and identity theft protection.
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Here are answers to some of the most commonly asked questions about State Farm auto insurance.
Yes. State Farm is one of the top-rated insurers in the U.S, earning a perfect rating of 5 out of 5 from Compare.com. The company is financially stable, has strong customer satisfaction scores, and uses a large network of agents.[4]
State Farm car insurance costs an average of $56 per month for liability-only coverage and $108 for full coverage, according to Compare.com data. But your exact rate will vary depending on factors like your driving record, location, age, and credit.
It depends. State Farm’s rates can be higher for drivers with a history of traffic violations and poor credit. Your location, deductible, and coverage limits will also affect your premium.
It depends. There isn’t a single “best” car insurance company for every driver. The best car insurer for you varies by your budget and coverage needs. That’s why it’s important to shop around and compare quotes from multiple insurers.
That said, State Farm, GEICO, and Allstate are among our top choices for many drivers.
Many car insurance companies, including State Farm, have increased premiums due to inflation, rising repair costs, higher accident rates, and severe weather. That’s why it’s more important to find ways to save on auto insurance, like taking advantage of discounts.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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