- Low number of consumer complaints.
- High industry ratings.
- Rideshare and commercial coverage available.
- Not available in all states.
- Drivers typically must work with an agent.
Jerry rates State Farm 3.7 stars out of 5. This score is about average compared to other insurers that Jerry rates and takes into account the insurer’s pricing, industry ratings, the company’s financial strength, customer ratings and national complaint data.
State Farm is the largest personal auto insurer in the country by market share, according to the National Association of Insurers Commissioners (NAIC). The company provides coverage in 48 states, excluding Massachusetts and Rhode Island. In addition to standard auto coverages, State Farm offers insurance for classic cars and antiques, rideshare drivers and commercial policies. You can also purchase coverage for your motorcycle, RV or boat. State Farm has many discounts available and allows drivers to bundle auto coverage with a homeowners or life insurance policy for added savings.
State Farm earns top marks for customer claims satisfaction, the auto insurance shopping process and financial stability, and currently holds the highest possible financial strength rating available through AM Best. The insurer receives fewer complaints than expected for a company of its size and market share, according to the NAIC complaint index. However, Jerry customers gave State Farm a slightly lower rating than some of its competitors, and the provider has an underwhelming reputation with repair professionals.
Who is State Farm best for?
State Farm is a top-ranked insurance company that could be a good choice for drivers who:
- Prefer working with an agent to customize, purchase and manage coverage or file claims.
- Qualify for one or more of the company’s many discounts.
- Drive for rideshare services like Uber or Lyft.
- Want to bundle auto coverage with home or life insurance.
While State Farm may be a good option for drivers who fall into one or more of these categories, get quotes from multiple insurers to compare coverages and premiums.
State Farm car insurance discounts
To save on auto insurance, make sure any State Farm discounts you’re eligible for are added to your policy. Here’s a list of the insurer’s available discounts. These may vary by location.
- Bundle discounts for combining auto insurance with your home, renters, condo or life insurance policies.
- Defensive driving discount when you successfully complete a qualifying course.
- Driver training discounts when all insured drivers under age 21 take an approved driver education course.
- Steer Clear Safe Driver discount is a mobile app for drivers under 25 years-old with no at-fault accidents or moving violations in the last three years. Drivers must complete training courses and quizzes within the app, as well as practice drives.
- Good driver discount is for new State Farm customers who have gone three or more years without a moving violation or at-fault accident.
- Payment discounts when you pay your entire premium upfront.
- Vehicle safety discounts for driving a car with certain built-in safety features, like driver assist and airbags.
- Good student discounts of up to 25% when a student driver under 25 maintains a GPA of 3.0 or higher, is ranked in the top 20% of their class or makes the honor roll.
- Student away from home discounts when a student driver under 25 moves away for school, lives on campus without a vehicle and only uses a covered car when home.
- Low mileage discounts when you drive fewer miles than average.
- Anti-theft discounts if your vehicle is equipped with anti-theft features like an alarm.
Does State Farm offer insurance based on driving behavior?
Yes, State Farm has a driving behavior-based program called Drive Safe & Save.
Drive Safe & Save is an app-based telematics program that offers drivers discounts of up to 30%. You get an initial 10% participation discount for enrolling, and additional discounts are based on your driving habits. The app tracks risky behaviors like speeding, quick acceleration, hard braking, aggressive cornering and phone use while driving. Some participating drivers may see their premiums increase at renewal.
State Farm car insurance coverage options
State Farm offers standard coverage types including collision, comprehensive, bodily injury liability, property damage liability, medical payments, personal injury protection and uninsured/underinsured motorist coverage.
| Coverage | Definition |
|---|---|
| Collision insurance | An optional coverage type that pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage. |
| Comprehensive insurance | An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events. |
| Bodily injury liability (BI) | Pays others’ medical costs in an accident you cause, up to your policy limits. It’s mandatory in most states. |
| Property damage liability (PD) | Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It’s mandatory in most states. |
| Personal injury protection (PIP) | Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states. |
| Medical payments | Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states. |
| Uninsured/underinsured motorist coverage (UM/UIM) | Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states. |
State Farm also offers the following optional coverages:
- Antique and classic car insurance covers your older vehicle with specialized protection.
- Commercial vehicle coverage is designed to protect your owned or leased business vehicles, whether you or your employees are behind the wheel.
- Rideshare coverage fills in insurance gaps for drivers who work for rideshare companies like Uber or Lyft.
- Emergency roadside assistance helps pay for towing, onsite mechanical labor, jumpstarts, tire changes, refueling and locksmith services when you need them.
- Rental car reimbursement pays for a rental vehicle while yours is in the shop.
- Travel expenses coverage covers lodging, meals and transportation if you’re in an accident more than 50 miles from home.
Industry ratings of State Farm car insurance
State Farm generally receives high ratings across various industry agencies. This insurer’s NAIC complaint index is consistently lower than expected for its market share and it ranks near the top in both 2024 J.D. Power auto insurance studies. State Farm also holds the highest possible financial strength rating (A++) through AM Best.
| Rating | State Farm’s score |
| NAIC consumer complaint index | Moderately low. |
| CRASH Network report card | C-. |
| J.D. Power auto insurance shopping study | No. 4 of 17. |
| J.D. Power auto insurance claims study | No. 6 of 21. |
| AM Best | A++. |
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State Farm auto insurance customer reviews
More than a thousand Jerry customers who have used and reviewed State Farm’s auto insurance have rated the company well.
How to contact State Farm
State Farm offers contact options for customers who want to work with someone in person and those who prefer to manage their policy online or via a mobile app. It may be easiest to start by contacting a local agent because online quote requests and policy adjustments will likely lead to an agent. State Farm’s online Agent Finder tool can connect you with an agent near you.
State Farm’s customer service contact number is 800-782-8332.
File a claim: Policyholders can file a claim online, through the State Farm mobile app or by calling 800-732-5246. You can also contact your local agent to begin the claims process.
Methodology
We looked at over 400,000 actual policies quotes from real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation.
How we rate car insurance companies
Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.
We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.
These individual factors roll up into one weighting system as follows:
20% Financial strength.
20% Complaints.
20% Industry ratings.
20% Customer ratings.
20% Cost and discounts.
Stephanie Colestock is a seasoned writer specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, credit and debt management, banking, investing, retirement planning, and household finances.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Forbes, USA Today, Money, Fox Business, and CBS. Stephanie\’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys helping individuals make smarter financial decisions through her engaging and well-researched articles.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
