The Best State Farm Car Insurance Review [Quotes + More]

State Farm is the largest provider of car and home insurance in America. With more than 80 million customers, State Farm maintains a solid connection to the community it serves. Through sponsorships of seat belt laws, safety programs, and highway improvements, State Farm car insurance helps make roads and neighborhoods safer.

After being in business for nearly a century, State Farm has had the chance to receive an evaluation from every consumer reviewer around. The company — serving millions of policyholders — has also had its share of customer complaints. Let’s look at how State Farm auto insurance measures up to the competition.

State Farm Car Insurance Review and Ratings

The Better Business Bureau tracks customer complaints registered against a company and the transparency of its business practices. The BBB gives State Farm car insurance an A++ — or excellent — rating. On the other hand, consumers’ State Farm car insurance reviews only show 1.2 out of 5 possible stars.

The National Association of Insurance Commissioners (NAIC) tracks customer complaint data and comes up with a complaint index score. This ratio compares the number of complaints a company receives with the number of customers. Last year, State Farm had a better complaint index than all but three car insurance competitors.

A.M. Best is one of the country’s leading credit rating agencies, focusing on evaluating a company’s creditworthiness and financial strength. State Farm touts an A++ score — the highest possible — from A.M. Best. According to A.M. Best, State Farm has a superior ability to handle claims and expenses.

The creditworthiness of State Farm is highly rated by S&P Global Ratings, with a score of AA, meaning State Farm is capable of meeting its financial obligations. Let’s see what it’s like to have car insurance from State Farm.

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State Farm Car Insurance Quote

Getting a car insurance quote usually won’t affect your credit score and can give you valuable information before you buy — it’s also an excellent first step when searching for car insurance. State Farm makes getting a quote relatively easy. With a visit to the company website, you can get a quote in minutes, bringing you closer to making a car insurance decision.

Once on the State Farm home page, click “get a quote” to continue. Enter your number of vehicles, number of drivers, and driving history information to see your quote instantly. 

Before you decide to sign up with State Farm, it will be helpful to know what kind of car insurance plans it offers. Let’s look at the types of car insurance available from State Farm. 

State Farm Auto Insurance Coverage Options

Like all major car insurance providers, State Farm offers the standard coverage packages, additional coverage, and optional add-ons. You may not need all the options State Farm offers, but you can choose the plan that fits your needs.

As a State Farm customer, you can get a minimum liability policy to satisfy state and legal requirements. You can also upgrade to collision or comprehensive coverage packages. With these plans, you can protect yourself, your passengers, and your vehicle in an incident. 

If you have ever had a flat tire or dead battery, you know how stressful it can be. If you add State Farm roadside assistance coverage to your insurance package, you can count on State Farm to be there to help you out.

As a State Farm policyholder, you have the option to include car rental and travel expenses in your plan. With this add-on, you can get reimbursed for a rental car while your vehicle is in the repair shop.

State Farm also offers rideshare protection. This feature extends your car insurance policy, so you’re covered when using a rideshare app to ride or drive. Many folks use rideshare programs to make extra money or get around.

How do State Farm’s car insurance rates hold up to its competitors?

State Farm is a giant in the car insurance industry. Available nationwide, State Farm compares well with its competitors’ rates and has car insurance rates substantially lower than statewide averages in 42 of the 50 states.

State Farm’s average car insurance rates are lower than every significant competitor it has, except one. The United Services Automobile Association (USAA) — which is only available to military service members and their families — offers lower average rates than State Farm. GEICO, Allstate, and Progressive list higher average rates than State Farm.

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State Farm Auto Insurance Discounts

In addition to highly competitive rates, State Farm provides various car insurance discounts policyholders can take advantage of to lower their car insurance rates. Those eligible for a discount on State Farm car insurance include:

• Parents of students away at school
• Students who get good grades
• Homeowners
• Members of the military
• Drivers with good credit
• Drivers with vehicle safety features, like anti-lock brakes, anti-theft technology, or vehicle recovery
• Drivers of new cars
• Drivers with clean driving records
• Drivers over 50
• Drivers who have never filed a claim
• Drivers who take safety courses
• Drivers who bundle multiple policies or add multiple vehicles
• Drivers enrolled in paperless billing
• Drivers who score well in Drive Safe and Save, a telematics program that works with your phone to track driving habits

If you decide to buy car insurance from State Farm, there is a chance you will have to file a claim — State Farm makes the process easy.

How do I file a claim with State Farm?

Reporting a car insurance claim is a stressful situation, and the last thing you need is more hassle from your car insurance provider. State Farm offers four methods of filing a claim to start the process without much difficulty.

After an accident, you can visit the State Farm car insurance website, use your State Farm mobile application, call the toll-free claims number, or contact your agent. Regardless of what you choose, you will need your personal information and details of the incident.

State Farm’s record of settling claims — tracked by the NAIC — has been ideal for several years. As a State Farm policyholder, you can take comfort in knowing you have a better-than-average chance of a favorable settlement from your claim.

Canceling Your State Farm Car Insurance

If you need to cancel your State Farm policy, you can do so at any time for any reason. Contact your agent — or State Farm directly — and let them know when you want the cancellation to take effect. There is generally no fee for canceling, and you may even receive a refund.

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A Final Word on State Farm Auto Insurance

State Farm is a leader in the car insurance industry, and it’s easy to see why with strong financial ratings, low rates, and a transparent claims process. Several customer complaints are on file, but we expect that from a large company like State Farm.

While newer companies are acquiring a more significant market share, State Farm remains a powerful force in the car insurance game. When looking for car insurance, you should consider State Farm.