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Last updated on Mar 19, 2021

State Farm Auto Insurance Review

State Farm performs well in just about every category — it just isn't exceptional in any of them ​

State Farm

  • Strong financial ratings from A.M. Best, S&P Global, and Moody’s
  • High claims satisfaction from J.D. Power
  • Nearly 18,000 insurance agents across the country
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How We Reviewed State Farm Auto Insurance

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36 companies compared

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8 experts consulted

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6 ratings evaluated

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Founded in 1922, State Farm is no stranger to insurance products and continues to offer a wide range of coverage choices. State Farm also happens to be the largest provider of auto insurance in the U.S., according to the 2018 S&P Global Market Intelligence report.Our State Farm car insurance review reveals a highly rated company when it comes to finances among the top 5 of the 2019 JD Power Auto Claims Satisfaction Study. State Farm auto insurance uses a nationwide network of almost 19,000 agents, an intuitive website, and a mobile app, making it accessible to practically everyone across the country.

State Farm Car Insurance Review

State Farm is above the average in the amount of customer complaints filed against the provider through the National Association of Insurance Commissioners (NAIC). 


  • Extensive customer service network. There are multiple options available to help you with a claim or questions, whether it’s one of the 19,000 nationwide agents or the many customer service representatives. 
  • Rideshare coverage available. Do you have a side gig offering a rideshare service with your own car? State Farm auto insurance offers additional coverage for those who are part of a rideshare company, like Uber and Lyft. If it’s available in your state, the personal auto policy covers liability to others, damage to your own car, and emergency roadside assistance.
  • Multiple discount options. Although not always the least expensive in premiums, State Farm auto insurance offers a wide selection of discounts on your premiums. You can get discounts for everything from good driving to multiple car policies.
  • Car rental coverage. If your vehicle is out of commission and it’s covered by comprehensive or collision, State Farm will cover your expenses for a rental car. There are even options to pay the car rental company directly so you don’t have to worry about the transaction.


  • Average ratings with customer complaints. Although not the worst, State Farm falls in the median range on the NAIC complaint index.
  • Not the least expensive. State Farm isn’t the cheapest option (nor most expensive option) when it comes to your premium costs. Although multiple discounts are available through State Farm, you might not be getting the lowest priced premiums if low-cost is what you’re after.

State Farm’s Full Coverage Average Premium In Each State

Data Source: Coverage.com

State Farm

Extensive Coverage Options

State Farm auto insurance offers a variety of auto insurance options, from teen drivers to sports cars and practically everything in between. It’s hard to beat State Farm’s considerable coverage options.

Fast Claims Process

State Farm makes it easy for you to file a claim online, through the app, or by calling a customer service representative. In addition to starting a claim digitally, you can also track your claim through the web or app so you know exactly what’s going on with your case.

Drive Safe & Save Discount

You can save up to 30% on your premiums if you enroll in the Drive Safe & Save Discount program. The app connects to your Bluetooth and provides feedback based on your vehicle braking, speeding, distracted driving, and cornering. You’ll be rewarded through additional discounts if you qualify.

The Bottom Line

State Farm auto insurance is a top contender when it comes to choices for your auto coverage. The strong financial ratings and extensive customer service options make it worth considering for almost any auto coverage situation. 

State Farm is ideal for those who want to tailor their insurance needs to their unique driving situation, such as car rental coverage or rideshare driver options. While State Farm auto insurance might not be the least expensive option, it offers a wide range of discounts, ranging from good driving to having multiple policies.

The Competition

 AM Best Financial Strength RatingJ.D. Power 2019 Claims Satisfaction Study24/7 Claims Support
State FarmA++3/5Yes
The HartfordA+       3

All information accurate as of June 19, 2020.

State Farm vs. Progressive

Like State Farm, Progressive offers a variety of discounts and coverage options. Similar to the Drive Safe & Safe App, Progressive offers the Snapshot to help you qualify for further discounts. Progressive also lets you get quotes, file a claim, and track your case progress online, through the app, or by working with one of the 38,000 local auto insurance agents.

Where State Farm and Progressive differ is with customer satisfaction rankings. Progressive earned a less-than-impressive 856/1,000 for the 2019 JD Power U.S. Auto Claims Satisfaction Study, compared to State Farm’s 878/1,000.

 State FarmProgressive
Supplemental Coverage Options1312
Number of Discounts1313
Online Claim Filing

State Farm vs. Nationwide

Like State Farm, Nationwide is a large insurance provider and offers a complete lineup of coverage for collision, personal injury, medical payments, and beyond.

One difference is that Nationwide offers gap insurance, which covers the cost of what you owe on a vehicle if it’s totaled in an accident. Nationwide also performs much better with the NAIC customer complaint registrations compared to State Farm’s numerous entries. 

 State FarmNationwide
Supplemental Coverage Options1315
Number of Discounts1310
Online Claim Filing

State Farm Car Insurance FAQ 

About the Authors

Sara Coleman is a personal finance freelance writer based in Charlotte, NC. A Journalism Major who studied at the University of Georgia, she enjoys creating approachable content. She’s written for sites such as WorkingMother, BetterYouMag, and SmartMoneyMamas. She loves spending time with her husband and 3 kids, and has a healthy obsession with coffee.