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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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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.
State Farm is the largest home insurer in the country by market share.[1] With its size, the company offers many coverage options and a decent list of discounts to help keep rates affordable.
Monthly home insurance premiums with State Farm average $226 for $300,000 in dwelling coverage, though rates vary by state and home value. While it has the highest financial strength rating available, State Farm receives mixed customer reviews on how it handles claims and customer support.
Our State Farm homeowners insurance review breaks down the company’s home insurance coverage, costs, discounts, and customer and third-party reviews. Plus, we look at how it compares to its closest competitors.
Read on to see if State Farm is the best company for your home insurance needs.
Feature | Details |
|---|---|
| Average monthly premium* | $226 |
| Availability | 50 states and Washington, D.C. |
| J.D. Power rating | 643/1,000 |
| AM Best financial strength rating | A++ (Superior) |
| NAIC complaint index** | 1.22 |
| Customer service phone number | 1 (800) 782-8332 |
| Customer service email address | N/A |
| Mailing address | State Farm Insurance One State Farm Plaza Bloomington, IL 61710 |
*Rate displayed represents $300,000 in dwelling coverage.
**A complaint index rating of 1.00 represents the expected number of complaints for a company of its size. A lower score indicates a fewer-than-average number of complaints.
Home insurance premiums can vary from one company to the next. Factors like coverage types and amounts, deductibles, discounts, claims history, and where you live affect how much you’ll pay.
State Farm’s home insurance policies average $226 per month for $300,000 in dwelling coverage.
Now, let’s look at how coverage amounts and your location affect homeowners insurance rates.
The dwelling coverage amount is the part of your home insurance that covers the cost to repair or rebuild your house if a fire or storm damages it. It also covers attached structures like a garage.
The more risk the insurance company takes on, the more you’ll end up paying for coverage. So, higher coverage amounts usually mean higher premiums. But keep in mind that dwelling coverage amounts are usually less than your home’s overall value, since they don’t account for the value of the land your home sits on.
The table below shows State Farm’s average rates for different coverage amounts, according to Compare.com data.
Dwelling Coverage Amount  | Average Monthly Premium |
|---|---|
| $200,000 | $176 |
| $300,000 | $226 |
| $400,000 | $273 |
| $500,000 | $317 |
| $750,000 | $422 |
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Insurers consider regional and statewide factors, such as weather patterns, crime rates, real estate values, and construction costs, when determining local premiums.[2] That’s why home insurance rates can vary widely by state and even ZIP code.
The map below breaks down average annual premiums for $300,000 in dwelling insurance coverage for each state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $267 |
| Arizona | $121 |
| Arkansas | $256 |
| California | $164 |
| Colorado | $212 |
| Connecticut | $172 |
| Delaware | $93 |
| Florida | $383 |
| Georgia | $248 |
| Idaho | $126 |
| Illinois | $143 |
| Indiana | $167 |
| Iowa | $186 |
| Kansas | $321 |
| Kentucky | $234 |
| Louisiana | $373 |
| Maine | $110 |
| Maryland | $130 |
| Massachusetts | $113 |
| Michigan | $397 |
| Minnesota | $238 |
| Mississippi | $367 |
| Missouri | $245 |
| Montana | $216 |
| Nebraska | $364 |
| Nevada | $99 |
| New Hampshire | $95 |
| New Jersey | $131 |
| New Mexico | $200 |
| New York | $100 |
| North Carolina | $96 |
| North Dakota | $228 |
| Ohio | $140 |
| Oklahoma | $343 |
| Oregon | $115 |
| Pennsylvania | $108 |
| Rhode Island | $120 |
| South Carolina | $172 |
| South Dakota | $199 |
| Tennessee | $211 |
| Texas | $354 |
| Utah | $137 |
| Vermont | $92 |
| Virginia | $144 |
| Washington | $126 |
| District of Columbia | $104 |
| West Virginia | $136 |
| Wisconsin | $143 |
| Wyoming | $133 |
Researching customer feedback and industry expert ratings can give you a well-rounded view of a home insurance company’s reliability, service quality, and financial stability. Doing your research can help you evaluate which company may be right for you.
Let’s take a look at how State Farm performs in the eyes of customers and industry experts.
Checking what current and former customers say about a company is vital because real user experiences provide valuable insights beyond marketing claims. Reviews can reveal how a company handles customer service, claims, and overall satisfaction — factors that directly affect your experience.
Here’s how customers rank State Farm on three major review platforms.
Review Platform | Rating |
|---|---|
| Trustpilot | 1.5 out of 5 stars |
| Better Business Bureau (BBB) | F |
| ConsumerAffairs | 1.9 out of 5 stars |
State Farm receives common home insurance complaints for claim denials, policy cancellations following claims, and poor customer service responsiveness.
Keep in mind that dissatisfied customers are often more vocal than satisfied ones, so it’s essential to carefully weigh your options and review policy details and the claims process before choosing an insurer.
Third-party ratings from industry experts like J.D. Power and AM Best can provide an impartial assessment of an insurance company’s financial strength, customer satisfaction, and service quality. These ratings can help you assess an insurer’s reliability and stability and its performance compared to other companies.
Unlike customer reviews, industry agencies use comprehensive data analysis, rigorous standards, and expert evaluations to give a more objective assessment of a company’s standing.
Check out the table below to see how some of the most respected third-party agencies in the insurance industry rate State Farm.
Rating Service | Rating |
|---|---|
| J.D. Power customer satisfaction* | 643/1,000 |
| J.D. Power claims satisfaction** | 661/1,000 |
| AM Best | A++ |
| NAIC complaint index*** | 1.22 |
*Industry average: 640
**Industry average: 682
***A score of 1.0 indicates the expected number of complaints. 2.0 indicates twice the number of expected complaints.
State Farm holds the highest AM Best rating, demonstrating its ability to fulfill its policy obligations and pay claims on time and in full.
While it ranks just above the industry average for customer satisfaction, State Farm is one of the lowest-rated for property claims satisfaction, which aligns with its higher-than-average complaint rating index.
Comparing home insurance quotes from multiple companies is the best way to get the coverage you need at the lowest price. When comparing quotes, make sure to look beyond cost and evaluate each insurer’s coverage options, available add-ons and discounts, and ratings and reviews to find the right company for your needs.
The table below highlights a few of State Farm’s top property and casualty competitors and how average annual rates stack up for each, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $226 |
| Allstate | $188 |
| American Family | $155 |
| Nationwide | $223 |
| USAA | $146 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $317 |
| Allstate | $282 |
| American Family | $223 |
| Nationwide | $339 |
| USAA | $206 |
Company | Average Monthly Premium |
|---|---|
| State Farm | $422 |
| Allstate | $389 |
| American Family | $291 |
| Nationwide | $493 |
| USAA | $278 |
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State Farm’s home insurance discount options might vary by state, but here are a few it offers:
Automatic sprinkler discount: You can get a discount if your house has indoor automatic fire sprinklers.
Bundling discount: Insure your home and auto with State Farm, and save on both policies.
Claim-free discount: State Farm offers a claim-free discount if you haven’t had any home insurance claims in a specified period.
Home alert discount: If your home has a centrally monitored burglar or fire alarm, you might be eligible for a home alert discount.
Impact-resistant roof discount: You may qualify for a discount if you replace your roof with impact-resistant products.
Utility discount: If you have an older home, you may be eligible for a discount if you update your utilities (such as plumbing and electrical systems) with a qualified contractor.
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When shopping for home insurance, you have several coverage types and amounts to choose from. Here are some optional insurance types you may be able to include in a State Farm home insurance policy:
Personal liability insurance: This covers your legal costs for lawsuits against you if someone else gets injured or damages their property at your house.
Loss of use: If a covered claim makes your home uninhabitable, this pays for the additional living expenses of living somewhere else temporarily.
Inflation coverage: This increases your dwelling replacement coverage to match rising local construction costs.
Refrigerated products: This covers the loss of refrigerated or frozen items due to power or mechanical failure.
Fire department service charge: State Farm will pay up to $500 per occurrence if the fire department charges you for services it provides during a claim.
Locks and remote devices: If you end up being the victim of theft, State Farm will pay up to $1,000 per claim to recode, replace, rekey, or program new locks or remote devices.
Trees, shrubs, and landscaping: State Farm will help cover up to $1,000 to remove tree stumps and debris if a fallen tree causes damage to your home or blocks your driveway due to wind, hail, snow, or ice.
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You can buy home insurance from a State Farm agent or online. To get a quote online, go to State Farm’s website and click on homeowners in the product dropdown, then enter your ZIP code and click “start a quote.” Enter your home address, then click through the screens to select coverage types, amounts, and deductibles to receive a quote.
You can also contact a local State Farm agent by phone or in person at a local office. They’ll ask you questions as they complete the quote and can help you determine how much coverage you need based on things like your home’s age, square footage, number of stories, characteristics, and other features.
State Farm advertises up to $1,356 in savings if you bundle your home and auto insurance policies. Bundling means insuring both policies with the same company, which can make policy management and claims involving both policies — like a vehicle coming into your yard and damaging both your house and car — easier.
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We answered common questions about State Farm home insurance to help you determine if it’s the best home insurer for you.
State Farm home insurance costs an average of $226 per month for $300,000 in dwelling coverage, according to Compare.com data.
State Farm’s homeowners rates vary depending on where you live, your home’s age and size, your deductible, and the types and amounts of coverage you need. Your age and claims history also factor into the costs.
State Farm has a financial strength rating of A++ (Superior) from AM Best, which shows it’s good at paying home claims. That said, the company has mixed reviews, with some customers complaining about claims handling, including denials and payment issues.
State Farm is canceling or nonrenewing some homeowners insurance policies in California — specifically in high-risk areas like Pacific Palisades. The insurer is doing so due to the frequency and cost of climate-related disasters, such as wildfires.[3]
Home insurance rates are rising across the country — a trend that’s affecting multiple insurers, including State Farm.[4] Rising property values, more frequent and devastating natural disasters, and, in states like Florida, repair schemes drive up the frequency and cost of claims.[5] In response, insurers are raising rates in many states to help cover claim costs.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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