- 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.
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Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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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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NAIC
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CRASH Network
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J.D. Power
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AM Best
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 professional writer, CFEI®, and licensed insurance agent 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, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, 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 SCUBA diving, reading a good book, and traveling the world with her family.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
