Reviews Report
- Recent J.D. Power insurance studies show competitive customer satisfaction for State Farm in auto and life segments (1,000-point scale); check the latest releases for current winners and scores.
- Highest possible rating for financial stability from AM Best (A++ Superior for key State Farm insurance entities; verify current status via AM Best’s ratings search)
- Award-winning website and apps may allow you to manage your policies online with a positive user experience
State Farm is one of the largest insurance companies in America, and remains the No. 1 U.S. property/casualty insurer overall by direct premiums written and the largest homeowners insurer, while currently ranking No. 2 in private passenger auto, per NAIC-based summaries (see the NAIC Top 10 lists). Founded in 1922, it currently operates out of headquarters in Bloomington, IL, with more than 19,000 agents serving customers nationwide.
State Farm offers a broad portfolio across personal lines and small business, with core offerings in auto, home, and life insurance, plus options such as renters, condo, manufactured home, personal articles, umbrella, identity restoration, and coverages for other vehicles (motorcycle, boat, RV, off-road). Availability and features vary by state and product; some solutions (like flood or earthquake) are provided via separate policies or partners.
State Farm insurance reviews are generally positive, though results vary by line and region. J.D. Power publishes line-specific studies using a 1,000-point scale (see current press releases), while the American Customer Satisfaction Index (ACSI) offers 0–0 cross-industry benchmarks. Financial strength assessments from AM Best are among the highest for key State Farm entities. For complaints, review State Farm’s results with the National Association of Insurance Commissioners via its public database: it registers slightly more than average complaints with the National Association of Insurance Commissioners, although life insurance policyholder numbers are lower than average.
State Farm Insurance Overview
| J.D. Power Customer Satisfaction Score J.D. Power scores are based on surveys for customer satisfaction and product quality. | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | ||
|---|---|---|---|
| Pin Auto insurance | 890/1,000 | A++ (Superior) | |
| Pin Home insurance | 880/1,000 | A++ (Superior) | |
| Pin Life insurance | 822/1,000 | A++ (Superior) |
State Farm Auto Insurance
State Farm offers a good range of auto insurance coverage options and discounts, which can help make your financial protection more affordable. Its Drive Safe & Save program uses telematics to personalize rates based on driving; potential savings vary by state and driving behavior where the program is offered.
State Farm’s website has received acclaim, along with the company’s mobile apps, which allow you to pay your bill online, get roadside assistance, and manage claims. The website features an excellent blog, called “Simple Insights, which can be a good source of information if you are new to the insurance world.
State Farm offers a few perks that smaller companies can’t match. Some policyholders, for example, are eligible for 24/7 roadside assistance. For customers who prefer local insurance support, a State Farm benefit may be its network of 19,000+ agents who handle claims and policy needs nationwide.
Strengths: State Farm has multiple forms of automotive insurance, including coverage for motorcycles, boats, off-road vehicles and motorhomes, as well as classic and antique cars, commercial autos and rideshare drivers. It also offers SR-22 forms, as necessary, for high-risk drivers who qualify for coverage.
Restrictions: Coverage options and discounts may vary by state. New business availability can be restricted in some states.
Discounts: Two telematics discounts: Drive Safe & Save and Steer Clear for young drivers. Others include accident-free, defensive driving course, passive restraint, anti-theft device, loyal customer, multi-policy, good student discounts.
State Farm Home Insurance
As a major household name for home insurance, State Farm offers standard policies throughout the U.S., with availability that varies by state. State Farm’s most common type of homeowner insurance policies are HO-3 policies, which include coverage for your dwelling, other structures, liability, loss of use (alternative living expenses), and personal belongings.
It’s worth noting that one peril not covered by standard homeowner policies is flooding, but State Farm can facilitate the purchase of a supplemental flood policy if you are in need of this form of financial protection for your home.
Customer satisfaction in property claims varies by year and region; check the latest J.D. Power Property Claims Satisfaction releases for current 1,000-point scores. There are also not a lot of options for customizing your policy, other than deciding whether to opt for actual cash value or replacement cost value when determining your coverage. However, State Farm does offer an inflation guard rider, or add-on, that provides automatic periodic increases in your policy limits to adjust to inflation.
Another optional add-on is for personal articles, which can provide broader coverage if you have expensive belongings such as jewelry, artwork, sports equipment or health-related items such as prosthetic devices.
Strengths: Local agents available to handle your policy and claim needs, highly-rated website and mobile app; also offers renters, condo, flood, farm and ranch, and manufactured home policies.
Restrictions: Limited discounts, with further limitations by state; satisfaction results vary by study and region. New business availability may be restricted in some states; in California, State Farm announced targeted non-renewals in 2024 (company announcement).
Discounts: Multi-policy, home security device, and roofing discount for impact-resistant roofing products. State-recognized mitigation programs may also apply in certain states (for example, California’s Safer from Wildfires framework and Florida’s wind mitigation credits under §627.0629).
State Farm Life Insurance
State Farm continues to perform strongly in recent J.D. Power life insurance satisfaction studies. It has a fairly broad range of offerings, including term life insurance with common durations such as 10, 20, or 30 years and coverage amounts typically starting above $100,000. Premiums depend on factors like age, health, and coverage amount. Riders include children’s life insurance, a select term rider that can extend life insurance to a later age, and a waiver of premium for disability.
If you prefer a form of permanent life insurance that will stay with you through the years, you may consider State Farm’s whole life policy, which features level premiums and the possibility of dividends and policy loans. State Farm life insurance also includes universal life, another type of permanent insurance that features tax-deferred growth and the ability to adjust premiums and death benefit.
Similar to State Farm’s regular Universal life is survivorship universal life insurance, which covers two people and pays the death benefit when the second person dies; and joint universal life insurance, which covers two people and pays the death benefit after the first person dies. These types of policy are often chosen by married or partnered couples wishing to ensure financial security for their heirs. Premiums are flexible for these two policies, and generally lower than the premiums for individual whole life or universal life policies.
Strengths: Can make beneficiary changes or other changes to your policies; life insurance products continue to earn strong satisfaction in recent J.D. Power studies.
Restrictions: Some policies not available in all states.
