Reviews Report
- State Farm remains a scale leader and ranks among the top two U.S. private‑passenger auto insurers by market share; NAIC/III tallies for 2023 show Progressive narrowly ahead in auto while State Farm holds roughly mid‑teens share. See the NAIC market share reporting here: largest auto insurance company by market share.
- Financial strength is top tier (A.M. Best A++). Independent satisfaction benchmarks in 2025 indicate State Farm typically performs around the regional average on overall auto insurance satisfaction and near average on auto claims experience. See J.D. Power U.S. Auto Insurance Study and J.D. Power U.S. Auto Claims Satisfaction Study.
- Coverage breadth is wide (including rideshare add‑on), and digital servicing is comprehensive: mobile app features include digital ID cards, in‑app claims filing with photo uploads, repair status tracking, bill pay, roadside assistance requests, and access to usage‑based telematics programs. See State Farm on the App Store, Google Play, and the Claims hub.
Founded in 1922, State Farm is one of the largest car insurers in the United States. Based on NAIC data compiled by the Insurance Information Institute, State Farm writes about 16% of U.S. private‑passenger auto premiums (No. 2 nationally) and remains the largest U.S. property/casualty group overall with just under ~9% of total P/C direct premiums written. Sources: III auto insurance market share, III industry overview.
Recent satisfaction research reflects the pricing and claims environment: in the latest J.D. Power U.S. Auto Insurance Satisfaction Study, company results are reported by region and State Farm typically lands around the segment average. On claims, J.D. Power’s Auto Claims Satisfaction Study shows industrywide improvements as repair backlogs eased, with State Farm’s experience generally near average, supported by a broad repair network and solid digital tools such as photo estimates and repair tracking via app or web (Claims; App).
State Farm’s Average Premium In Your State
| State | Average Annual Full Coverage Premium (benchmark range, 2025) |
| Alabama | $1,900–$2,600 (benchmark; see 2025 sources) |
| Alaska | $1,900–$2,600 (benchmark; see 2025 sources) |
| Arizona | $1,900–$2,600 (benchmark; see 2025 sources) |
| Arkansas | $1,900–$2,600 (benchmark; see 2025 sources) |
| California | $1,900–$2,600 (benchmark; see 2025 sources) |
| Colorado | $1,900–$2,600 (benchmark; see 2025 sources) |
| Connecticut | $1,900–$2,600 (benchmark; see 2025 sources) |
| Delaware | $1,900–$2,600 (benchmark; see 2025 sources) |
| Florida | $1,900–$2,600 (benchmark; see 2025 sources) |
| Georgia | $1,900–$2,600 (benchmark; see 2025 sources) |
| Hawaii | $1,900–$2,600 (benchmark; see 2025 sources) |
| Idaho | $1,900–$2,600 (benchmark; see 2025 sources) |
| Illinois | $1,900–$2,600 (benchmark; see 2025 sources) |
| Indiana | $1,900–$2,600 (benchmark; see 2025 sources) |
| Iowa | $1,900–$2,600 (benchmark; see 2025 sources) |
| Kansas | $1,900–$2,600 (benchmark; see 2025 sources) |
| Kentucky | $1,900–$2,600 (benchmark; see 2025 sources) |
| Louisiana | $1,900–$2,600 (benchmark; see 2025 sources) |
| Maine | $1,900–$2,600 (benchmark; see 2025 sources) |
| Maryland | $1,900–$2,600 (benchmark; see 2025 sources) |
| Massachusetts | $1,900–$2,600 (benchmark; see 2025 sources) |
| Michigan | $1,900–$2,600 (benchmark; see 2025 sources) |
| Minnesota | $1,900–$2,600 (benchmark; see 2025 sources) |
| Mississippi | $1,900–$2,600 (benchmark; see 2025 sources) |
| Missouri | $1,900–$2,600 (benchmark; see 2025 sources) |
| Montana | $1,900–$2,600 (benchmark; see 2025 sources) |
| Nebraska | $1,900–$2,600 (benchmark; see 2025 sources) |
| Nevada | $1,900–$2,600 (benchmark; see 2025 sources) |
| New Hampshire | $1,900–$2,600 (benchmark; see 2025 sources) |
| New Jersey | $1,900–$2,600 (benchmark; see 2025 sources) |
| New Mexico | $1,900–$2,600 (benchmark; see 2025 sources) |
| New York | $1,900–$2,600 (benchmark; see 2025 sources) |
| North Carolina | $1,900–$2,600 (benchmark; see 2025 sources) |
| North Dakota | $1,900–$2,600 (benchmark; see 2025 sources) |
| Ohio | $1,900–$2,600 (benchmark; see 2025 sources) |
| Oklahoma | $1,900–$2,600 (benchmark; see 2025 sources) |
| Oregon | $1,900–$2,600 (benchmark; see 2025 sources) |
| Pennsylvania | $1,900–$2,600 (benchmark; see 2025 sources) |
| Rhode Island | $1,900–$2,600 (benchmark; see 2025 sources) |
| South Carolina | $1,900–$2,600 (benchmark; see 2025 sources) |
| South Dakota | $1,900–$2,600 (benchmark; see 2025 sources) |
| Tennessee | $1,900–$2,600 (benchmark; see 2025 sources) |
| Texas | $1,900–$2,600 (benchmark; see 2025 sources) |
| Utah | $1,900–$2,600 (benchmark; see 2025 sources) |
| Vermont | $1,900–$2,600 (benchmark; see 2025 sources) |
| Virginia | $1,900–$2,600 (benchmark; see 2025 sources) |
| Washington | $1,900–$2,600 (benchmark; see 2025 sources) |
| Washington, D.C. | $1,900–$2,600 (benchmark; see 2025 sources) |
| West Virginia | $1,900–$2,600 (benchmark; see 2025 sources) |
| Wisconsin | $1,900–$2,600 (benchmark; see 2025 sources) |
| Wyoming | $1,900–$2,600 (benchmark; see 2025 sources) |
Representative 2025 benchmark range for a standard full‑coverage profile. State‑level averages vary; see current datasets from NerdWallet (2025) and Bankrate (2025). Your rate will differ based on driver, vehicle, location, coverage, and discounts.
State Farm Car Insurance Overview
Drawing on NAIC/III market share data for 2023, State Farm writes about 16% of U.S. private‑passenger auto premiums (No. 2 nationally) and remains the No. 1 U.S. P/C group with just under ~9% of total direct premiums written. See latest NAIC market share data and III industry overview. State Farm’s official 2023 financial results release reports a P/C group net loss amid elevated auto loss costs and catastrophe activity, with improved underwriting versus 2022 and strong year‑end capital levels: State Farm 2023 financial results.
State Farm has the highest A++ (Superior) rating from A.M. Best, indicating very strong financial capacity to meet obligations. Furthermore, State Farm has over 19,000 independent agents throughout the U.S. supporting customers in every state.
PROS
CONS
State Farm Home and Auto Insurance Bundles
State Farm’s bundling benefit is the Multiple Line discount: pair your auto policy with a qualifying second policy (homeowners, renters, condo, and in many states life insurance) and you may receive savings on both policies. State Farm markets potential home‑and‑auto savings “up to” roughly a thousand dollars or more per year, with actual discounts varying by state and profile. See Auto insurance discounts, Homeowners discounts, and NerdWallet (2025).
Renters can bundle as well: Auto + Renters is often a cost‑effective path to qualify for Multiple Line savings because renters premiums are relatively low. Exact eligibility and savings vary by state and underwriting. See Renters discounts.
State Farm Car Insurance vs. The Competition
| Provider | J.D. Power Customer Satisfaction* | AM Best | No. of Discounts |
| State Farm | Regional results; typically around regional average (2025) | A++ | Varies by state |
| Geico | Regional results; often near average (2025) | A++ | Varies by state |
| Progressive | Regional results; often near average (2025) | A+ | Varies by state |
| Liberty Mutual | Mixed; varies by region (2025) | A | Varies by state |
Information accurate as of 2025. J.D. Power reports regional (not single national) satisfaction scores on a 1,000‑point scale; large national carriers often cluster near regional averages while smaller regional mutuals frequently lead.
*J.D. Power’s 2025 Auto Insurance Satisfaction Study covers multiple regions; carrier performance varies by market. See also the 2025 Auto Claims Satisfaction Study.
State Farm vs. Geico
Both State Farm and Geico are national leaders. In J.D. Power’s 2025 customer satisfaction reporting, both typically track near regional averages, with price perceptions under pressure industrywide. State Farm’s agent network and broad repair relationships can benefit customers who value in‑person support, while GEICO’s digital-first model emphasizes frictionless quoting and servicing.
From a price/discount standpoint, Geico has more discounts prominently listed online. Compare identical coverages and verify eligibility for usage‑based telematics and bundling with either carrier before deciding.
State Farm vs. Progressive
Complaint indices from the NAIC data vary by legal entity and line of business (industry average = 1.00); both carriers often land around market average for private‑passenger auto, with year‑to‑year swings by state. J.D. Power’s 2025 claims study shows both near the industry average on overall claims experience; communication cadence and cycle‑time management are key differentiators among top performers.
Both companies offer deep discount menus and telematics programs (Drive Safe & Save vs. Snapshot) that may materially influence your premium depending on driving behavior and state rules.
State Farm vs. Liberty Mutual
Liberty Mutual is smaller than State Farm in U.S. auto market share, and recent J.D. Power studies show mixed satisfaction results for large national carriers amid pricing and repair‑cycle pressures. State Farm typically performs around the regional average on policy satisfaction and claims, with variability by state and event mix (e.g., catastrophe load in homeowners lines can influence overall sentiment).
Both companies offer a wide range of discounts. It’s worth obtaining quotes from both to compare net prices after telematics and bundling.
State Farm FAQ
Methodology
We evaluated State Farm based on discounts, coverage, digital resources, financial strength, and customer satisfaction. To compare car insurance companies with other providers across the board, we analyzed:
- Discounts: We verified discount menus (including usage‑based programs and Multiple Line bundling) on carrier sites; see State Farm auto discounts.
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability.
- Customer Satisfaction: We referenced J.D. Power’s latest studies: 2025 Auto Insurance Study and 2025 Auto Claims Satisfaction Study, which report results by region and measure the end‑to‑end claims experience.
- Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision, and personal injury protection (e.g., rideshare endorsements, OEM/parts coverage options where available).
- Online Resources: We reviewed digital capabilities including mobile claim estimates, digital ID cards, claim status tracking, and bill pay. See the State Farm app and Claims hub.
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.
For average pricing benchmarks in 2025, we reference reputable industry datasets that model standardized driver profiles using filed/approved rates and quoting APIs, such as NerdWallet (2025) and Bankrate (2025). Figures vary by state and update cadence.
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
Our base profile generally reflects a mid‑30s driver with a clean record who commutes five days a week and drives about 12,000 miles annually, though methods vary by source.
These are sample rates and should only be used for comparative purposes.
