State Farm Car Insurance Review for 2024 (Rates, Discounts, & Options)
Our State Farm car insurance review found that it's a great option for most drivers. State Farm auto insurance rates are the cheapest on the market, with minimum coverage starting at just $30/month. The State Farm customer complaint ratio is low with local agents providing personalized assistance in all 50 states.
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Sep 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Sep 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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State Farm
Average Monthly Rate For Good Drivers
$30A.M. Best Rating:
BComplaint Level:
LowPros
- Affordable car insurance rates
- Local State Farm agents
- Multiple car insurance discounts
Cons
- Low financial stability rating
- Doesn’t sell modified car insurance
Our State Farm car insurance review found that State Farm is one of the best car insurance companies for affordable insurance for good drivers.
Continue reading to learn more about State Farm’s car insurance rates, coverage options, and much more.
For a full breakdown of the insurance ranking we gave State Farm auto insurance, take a look at the table below.
State Farm Car Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 4.3 |
| Business Reviews | 5.0 |
| Claim Processing | 4.3 |
| Company Reputation | 4.5 |
| Coverage Availability | 5.0 |
| Coverage Value | 4.2 |
| Customer Satisfaction | 4.1 |
| Digital Experience | 4.5 |
| Discounts Available | 5.0 |
| Insurance Cost | 3.9 |
| Plan Personalization | 4.5 |
| Policy Options | 3.8 |
| Savings Potential | 4.3 |
Or, to start shopping right away for affordable car insurance in your area, enter your ZIP in our free quote comparison tool.
- State Farm has a 4.3 rating for low rates and great customer service
- Local State Farm agents are available for in-person assistance
- Drivers can buy State Farm car insurance in every state
State Farm Car Insurance Rates
Your State Farm auto insurance rates will vary based on several factors, such as age. While young drivers often have high rates, State Farm has affordable rates for teen drivers, as shown below.
State Farm Car Insurance Monthly Rates by Age, Gender & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $124 | $311 |
| Age: 16 Male | $146 | $349 |
| Age: 18 Female | $101 | $229 |
| Age: 18 Male | $125 | $284 |
| Age: 25 Female | $39 | $101 |
| Age: 25 Male | $42 | $111 |
| Age: 30 Female | $36 | $94 |
| Age: 30 Male | $39 | $103 |
| Age: 45 Female | $33 | $86 |
| Age: 45 Male | $33 | $86 |
| Age: 60 Female | $30 | $76 |
| Age: 60 Male | $30 | $76 |
| Age: 65 Female | $33 | $84 |
| Age: 65 Male | $33 | $84 |
Where can I get cheap full coverage car insurance? State Farm full coverage insurance is the cheapest in most states at around $100/month. If you need it, State Farm provides affordable collision and comprehensive coverage that provides the following protections for drivers:
While state laws don’t require full coverage, lenders require customers with leases on their vehicles to carry State Farm full coverage insurance. (Learn More: Do I need full coverage on a financed car?)
State Farm also has affordable rates for drivers with one infraction on their record. See what State Farm charges based on driving record below.
Unlike other companies, State Farm doesn’t raise rates nearly as high after an accident or DUI, making it an affordable insurance company for high-risk drivers.
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Cheap Car Insurance Rates: State Farm vs. The Competition
When you compare State Farm auto insurance rates to those of its competitors, you’ll see that it’s one of the more affordable companies for drivers even when considering all the different factors that affect the price of car insurance.
State Farm Car Insurance Monthly Rates vs. Top Competitors by Age & Gender
| Insurance Company | Age: 45 Female | Age: 45 Male |
|---|---|---|
 | $162 | $160 |
 | $115 | $117 |
 | $139 | $139 |
 | $80 | $80 |
 | $171 | $174 |
 | $113 | $115 |
 | $112 | $105 |
| $86 | $86 |
 | $98 | $99 |
 | $59 | $59 |
The only companies that are cheaper on average than State Farm are Geico and USAA. However, USAA is only available to military members, and Geico is more expensive after a traffic infraction or claim State Farm remains one of the cheaper companies for drivers with poor records.
State Farm Car Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $160 | $188 | $225 | $270 |
| $117 | $136 | $176 | $194 |
| $139 | $173 | $198 | $193 |
| $80 | $106 | $132 | $216 |
| $174 | $212 | $234 | $313 |
| $115 | $137 | $161 | $237 |
| $105 | $140 | $186 | $140 |
| $86 | $96 | $102 | $112 |
| $99 | $134 | $139 | $206 |
| $59 | $67 | $78 | $108 |
Based on the average rates, State Farm is an excellent choice for most drivers, regardless of driving record. If you are considering State Farm as a company, you should get a car insurance quote to determine exactly what you’ll pay.
Getting a State Farm car insurance quote will give you the most accurate rate you’ll pay. We recommend using our free quote comparison tool to see how State Farm insurance rates compare with those of other companies.
State Farm Car Insurance Coverage Options
State Farm offers the minimum auto insurance that is usually required by states, such as liability insurance, uninsured motorist protection, and medical payments insurance.
State Farm Car Insurance Coverage Options
| Coverage Name | What it Covers |
|---|---|
| Liability | Injury and property damage liability |
| Collision | Damage to your car in a collision |
| Comprehensive | Theft, vandalism, weather damage |
| Uninsured/Underinsured Motorist (UIM) | Expenses if at-fault driver lacks enough coverage |
| Medical Payments | Medical bills for you and passengers |
| Personal Injury Protection (PIP) | Medical costs and lost wages |
| Emergency Road Service | Towing and roadside help |
| Rental Car Reimbursement | Rental costs during repairs |
| Rideshare Driver | Rideshare driving protection |
State Farm sells the most common types of car insurance coverage and policy add-ons, although it lacks add-ons like modified car coverage.
State Farm Car Insurance Discounts
Even though State Farm insurance is already affordable, customers can save even more with the following discounts:
State Farm Car Insurance Discounts by Savings Potential
| Discount | |
|---|---|
| Accident-Free | 25% |
| Anti-Theft Device | 15% |
| Defensive Driving | 15% |
| Good Driving | 30% |
| Good Student | 25% |
| Multi-Car | 20% |
| Bundling | 17% |
| Safe Driver | 30% |
| Vehicle Safety | 40% |
| Steer Clear Driver Program | 15% |
State Farm even has special discount options for young drivers, such as its Steer Clear Program. Teen drivers will also have cheaper rates at State Farm if they join a parent’s State Farm policy rather than purchasing their own (Learn More: The Perks of Staying on Your Parents’ Car Insurance Policy).
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State Farm Customer Reviews
Rates, coverage options, and discounts are just one aspect of a company. You also want to find a company that has excellent customer service and satisfied customers. State Farm has a mix of both positive and negative reviews from customers.
While every company will have negative reviews, checking negative State Farm customer service reviews will give you insight into issues you may encounter, such as negotiating settlements (Read More: How to Negotiate a Settlement after a Car Accident).
For example, take a look at the Reddit review below from a customer who had issues with customer service making changes to their State Farm policy.
State Farm—Am I Being Unreasonable?
byu/Present_Bed6606 inInsurance
Sites like Reddit can give insight into what customers think of a company. Other places to check for customer complaints and reviews include professional sites like Consumer Reports or Better Business Bureau, which we cover in the next section.
State Farm Business Reviews
In addition to checking customer reviews, you should also check reviews from businesses to assess a company’s financial stability, best practices, and more. The most important business ratings of State Farm are below.
State Farm Business Insurance Ratings
| Agency | |
|---|---|
 | Score: 877 / 1,000 Above Avg. Satisfaction |
 | Score: C- Below Avg. Business Practices |
 | Score: 75/100 Positive Customer Feedback |
 | Score: 0.78 More Complaints Than Avg. |
 | Score: B Fair Financial Strength |
State Farm has great ratings from multiple businesses, although its financial rating from A.M. Best is just average. State Farm has good claims satisfaction ratings, showing most customers are happy with the result of filing a car insurance claim after an accident, and the company has a lower complaint ratio than average.
State Farm Pros and Cons
With so much information thrown your way about State Farm, we want to take a minute to recap the most important highlights of the company. The positives you’ll find at State Farm include:
- Low Rates: State Farm is one of the most affordable auto insurance companies for drivers.
- Local Agents: State Farm agents offer more personalized assistance to customers.
- Discount Options: State Farm has several discounts with high saving potential.
However, there are a few limitations to be aware of. The downsides customers may experience with State Farm auto insurance include:
- Financial Stability: State Farm’s lower rating could suggest financial issues in the future.
- Add-On Coverages: State Farm doesn’t sell modified car insurance.
For the most part, State Farm’s pros outweigh the cons that customers may experience, so buying car insurance from State Farm may be the right choice for most drivers.
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Deciding if State Farm Car Insurance is Right for You
While it can be tempting to go with State Farm because it’s one of the cheapest car insurance companies on the market, first ensure it’s the right fit for you.
Our State Farm car insurance review found that State Farm is a good choice for most drivers, but potential customers should know that State Farm was recently downgraded to a lower A.M. best financial rating and has fewer add-on options.
One of the appeals of State Farm is that the company has multiple local agents stationed in states for more personalized customer service.Brandon Frady Licensed Insurance Producer
Ready to find your next car insurance company? Use our free quote comparison tool to compare rates from the best companies in your area.
Frequently Asked Questions
Does State Farm have a good reputation for paying claims?
Yes, State Farm has a good reputation for paying car insurance claims with a strong rating from J.D. Power.
Did State Farm get downgraded by AM Best?
Yes, State Farm’s financial rating was recently downgraded by A.M. Best.
Who gets State Farm’s best rates?
Good drivers in their 40s will have the best rates from State Farm (Read More: How to Lower Your Car Insurance Cost).
Who is State Farm’s biggest competitor?
Progressive and Geico are two of State Farm’s biggest competitors, as they have the next largest market shares.
Why does my State Farm bill keep going up?
Rate increases can be due to a number of factors, such as changes to your driving record or location risk changes. If your rates are getting expensive, compare rates with our free quote tool to find the cheapest coverage in your area.
Are State Farm rates negotiable?
Car insurance rates at State Farm aren’t negotiable, but you can apply for State Farm car insurance discounts to lower your rates.
Does State Farm sell gap insurance?
State Farm does sell gap insurance, but it is called payoff protector instead of gap at State Farm (Learn More: Is State Farm gap insurance worth it?).
Does State Farm charge to cancel a policy?
No, State Farm does not charge a cancellation fee.
Can I cancel a State Farm claim?
Yes, you can cancel your State Farm claim by contacting your agent or customer service.
Does State Farm refund if you cancel?
State Farm only refunds customers who cancel if they have prepaid for car insurance coverage. The exact cancellation and refund details can be found in your policy.
Make sure to line up another policy if you are keeping your car, as you need coverage to drive (Learn More: Why You Need Car Insurance).
Is State Farm pulling out of Florida?
No, State Farm Insurance is not pulling out of Florida.
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
JSmithElCajon
Incompetent [REDACTED NAME] [REDACTED NAME] of State Farm
SJF
Loyalty doesn’t pay with Statefarm they could careless
Chopper407
Two thumbs down for the claims department.
trailrunner87
Excellent Insurance Experience with State Farm
Ann_Smith
To "Insure" a downfall
romomy
Ridiculous Rate Increases
Jen Anders
State Farm Insurance review
LHN
Personal article policy
Love2sing_
Customer Concerns or Customer Loyalty Mean Nothing
Amb13
Rather have no insurance