State Farm ranks sixth nationally, among the best car insurance companies for most drivers. The company stands out for its affordability and customer experience, offering competitive rates alongside reliable service. This ranking reflects a 40-year-old male driver with good credit and no driving violations. State Farm's ranking for your profile depends on your coverage needs.
State Farm Car Insurance Review
Updated: September 18, 2025
Advertising & Editorial Disclosure
Key Takeaways
State Farm ranks sixth for full coverage affordability and third for minimum liability coverage, with average rates of $119 and $50 monthly, respectively.
State Farm earns sixth place nationwide for overall customer satisfaction due to its strong agent service and positive forum reviews from policyholders.
State Farm ranks seventh for coverage options, offering programs like Drive Safe & Save telematics discounts and Steer Clear safe driving courses for young drivers.
State Farm Car Insurance Ratings
| Overall Score | 4.14 | 6 |
| Customer Experience | 4.39 | 6 |
| Coverage | 3.26 | 7 |
| Affordability | 4.17 | 6 |
Who Is State Farm Car Insurance Best and Worst For?
State Farm works well for drivers who prioritize customer experience over rock-bottom rates, those wanting local agent support, customers seeking bundling discounts and drivers who value brand recognition. Budget-conscious drivers and those who prioritize the cheapest rates should look elsewhere.
Compare how State Farm stacks up for your profile below.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 3.89 | 13 |
State Farm Car Insurance Ratings by State
State Farm earns top-five rankings in 25 out of 51 states and territories nationwide. The insurer claims the number one spot in Vermont, Montana, Wyoming and Texas, demonstrating strong performance across diverse markets from rural areas to major metropolitan regions.
| Alaska | 4.11 | 2 |
| Arizona | 4.36 | 4 |
| California | 4.03 | 3 |
| Colorado | 3.65 | 9 |
| Connecticut | 3.82 | 6 |
| Delaware | 4.30 | 5 |
| District of Columbia | 3.52 | 5 |
| Florida | 4.56 | 2 |
| Georgia | 3.64 | 11 |
| Hawaii | 4.13 | 4 |
| Idaho | 4.47 | 2 |
| Iowa | 4.10 | 5 |
| Kansas | 3.96 | 7 |
| Kentucky | 4.18 | 5 |
| Louisiana | 4.57 | 4 |
| Maine | 3.56 | 9 |
| Maryland | 4.26 | 4 |
| Michigan | 3.52 | 9 |
| Minnesota | 4.09 | 5 |
| Montana | 4.80 | 1 |
| Nevada | 4.15 | 8 |
| New Hampshire | 3.89 | 9 |
| New Jersey | 3.73 | 11 |
| New Mexico | 4.53 | 4 |
| New York | 4.02 | 8 |
| North Carolina | 4.70 | 2 |
| North Dakota | 3.89 | 7 |
| Oklahoma | 4.23 | 4 |
| Oregon | 4.61 | 3 |
| Pennsylvania | 4.19 | 5 |
| Rhode Island | 4.41 | 3 |
| South Carolina | 3.99 | 10 |
| South Dakota | 3.97 | 4 |
| Tennessee | 3.68 | 8 |
| Texas | 4.74 | 1 |
| Utah | 3.68 | 9 |
| Vermont | 4.39 | 1 |
| Virginia | 4.10 | 8 |
| Washington | 4.36 | 6 |
| West Virginia | 3.82 | 5 |
| Wyoming | 4.58 | 1 |
*Ratings are based on a 40-year-old male driver with good credit and no driving violations who insures a 2012 Toyota Camry.
State Farm Car Insurance vs. Competitors
Here's how State Farm car insurance compares to other national insurers:
State Farm vs. GEICO | 4.15 vs. 4.34 | GEICO wins with better affordability scores. |
State Farm vs. Progressive | 4.15 vs. 4.2 | Progressive costs less and offers more add-on coverage options, though State Farm provides better agent service. |
State Farm vs. AAA | 4.15 vs. 3.79 | State Farm offers better value with lower costs and superior customer service. Coverage options tie. |
State Farm vs. Allstate | 4.15 vs. 3.78 | State Farm wins with better customer experience and affordability compared to Allstate. |
State Farm vs. USAA | 4.15 vs. 4.86 | USAA dominates in all categories for military members: affordability, customer experience and coverage. |
State Farm vs. Travelers | 4.15 vs. 4.5 | Travelers outperforms State Farm across all categories, though State Farm remains competitive. |
State Farm vs. Farmers | 4.15 vs. 3.86 | State Farm provides better overall value despite Farmers' superior coverage options. |
How Much Does State Farm Car Insurance Cost?
State Farm car insurance costs vary widely, ranging from $40 to $1,778 monthly based on your personal profile and coverage choices. To find the best rate for your situation, check the national costs below by age group, gender, coverage, credit score and driving record.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Female
Select
Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Select
Coverage Level:100/300/100,000 - 1000 comp_coll
| $409 | $4,909 | 18% | 14 |
State Farm Car Insurance Rates by Driver Category
State Farm ranks among the cheapest car insurance companies for seniors and drivers with accidents, DUIs, speeding tickets or older vehicles. However, drivers with bad credit or low income will find much higher rates. Review how affordable State Farm is for your driving category in the table below.
| Adult Drivers | $51 | $121 | -5% | 6 |
| Young Drivers | $117 | $269 | -14% | 5 |
| Senior Drivers | $62 | $137 | -14% | 4 |
| Drivers With An Accident | $64 | $145 | -22% | 3 |
| Drivers With A DUI | $77 | $166 | -26% | 3 |
| Drivers With A Speeding Ticket | $58 | $134 | -16% | 4 |
| Drivers With Bad Credit | $269 | $603 | 93% | 15 |
| Drivers With Low Income | $95 | $219 | 17% | 11 |
| Adult Drivers | $53 | $124 | -5% | 6 |
| Drivers With Newer Cars | $59 | $141 | -7% | 5 |
| Drivers With Old Cars | $42 | $100 | -15% | 4 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
State Farm Car Insurance Rates by State
State Farm's monthly rates vary from $18 to $235 across different states. The company ranks among the top five most affordable insurers in 25 out of 51 states and territories. See State Farm's affordability and pricing in your area below.
| Alaska | $43 | $107 | -0% | 3 |
| Arizona | $52 | $112 | -19% | 4 |
| California | $78 | $170 | 9% | 8 |
| Colorado | $49 | $150 | -2% | 5 |
| Connecticut | $79 | $157 | 4% | 5 |
| Delaware | $76 | $140 | -24% | 5 |
| District of Columbia | $96 | $197 | 16% | 5 |
| Florida | $64 | $138 | -41% | 2 |
| Georgia | $104 | $191 | 39% | 11 |
| Hawaii | $37 | $87 | 7% | 5 |
| Idaho | $18 | $56 | -36% | 2 |
| Iowa | $20 | $91 | -15% | 5 |
| Kansas | $36 | $118 | -4% | 6 |
| Kentucky | $49 | $115 | -21% | 3 |
| Louisiana | $71 | $211 | -16% | 4 |
| Maine | $44 | $99 | 27% | 10 |
| Maryland | $63 | $118 | -23% | 3 |
| Michigan | $86 | $167 | 26% | 9 |
| Minnesota | $33 | $94 | -17% | 5 |
| Montana | $19 | $85 | -33% | 2 |
| Nevada | $72 | $164 | 2% | 7 |
| New Hampshire | $39 | $94 | 7% | 9 |
| New Jersey | $152 | $235 | 35% | 10 |
| New Mexico | $37 | $111 | -10% | 4 |
| New York | $86 | $155 | 32% | 9 |
| North Carolina | $24 | $56 | -49% | 1 |
| North Dakota | $34 | $101 | 4% | 8 |
| Oklahoma | $39 | $133 | -7% | 7 |
| Oregon | $39 | $90 | -25% | 3 |
| Pennsylvania | $37 | $116 | -7% | 7 |
| Rhode Island | $43 | $88 | -34% | 2 |
| South Carolina | $80 | $159 | 22% | 11 |
| South Dakota | $18 | $91 | -21% | 4 |
| Tennessee | $41 | $118 | 6% | 8 |
| Texas | $41 | $93 | -38% | 2 |
| Utah | $94 | $197 | 50% | 11 |
| Vermont | $22 | $56 | -26% | 4 |
| Virginia | $43 | $102 | -3% | 8 |
| Washington | $38 | $111 | -7% | 3 |
| West Virginia | $49 | $119 | 3% | 5 |
| Wyoming | $21 | $76 | -10% | 3 |
*Rates are based on a 40-year-old male driver with good credit, no driving violations and a 2012 Toyota Camry.
State Farm Car Insurance Discounts
State Farm offers one of the most comprehensive discount programs in the industry, with 18 different ways to save on your auto insurance. Check out its offerings:
Multi-Policy/Bundle | Up to 17% | Bundle auto with home, condo, renters or life insurance | Available nationwide |
Multi-Car | Up to 20% | 2+ vehicles on same policy, drivers must be related | Available nationwide |
Drive Safe & Save | Up to 30% | Enroll in telematics program, 10% initial discount | Not available in CA, MA, RI; NY capped at 30% |
Good Student | Up to 25% | Full-time student under 25, 3.0+ GPA or top 20% of class | Available nationwide |
Steer Clear | Up to 20% | New drivers under 25, complete safe driving program | Available nationwide |
Accident-Free/Loyalty | Up to 25% | 3+ consecutive years with State Farm, no chargeable accidents | Available nationwide |
Good Driver | Variable | 3+ years without moving violations or at-fault accidents | Available nationwide |
Passive Restraint | Up to 40% | Factory-installed airbags or passive restraint system | Applies to medical coverage only |
Defensive Driving Course | Variable | Complete approved driver safety course | Course approval varies by state |
Driver Training | Variable | Drivers under 21 complete approved driver education | Available nationwide |
Student Away at School | Variable | Student under 25, school 100+ miles away, no vehicle | Available nationwide |
Anti-Theft Device | Variable | Vehicle equipped with approved anti-theft system or alarm | Available nationwide |
Vehicle Safety Features | Variable | Cars with driver assist technology and safety features | Available nationwide |
Military Discount | 25% | Active duty or dependents based in Louisiana | Louisiana only |
Mature Driver | 15% | Age 55+, complete DMV-approved mature driver course | California only |
Paid-in-Full | Up to 15% | Pay entire premium upfront instead of monthly | Available nationwide |
Low Mileage | Variable | Drive significantly fewer miles than average annually | Available nationwide |
State Farm Car Insurance Customer Reviews and Reputation
State Farm earns sixth place in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Based on customer feedback from the company's website and insurance forums, State Farm receives strong ratings for agent service and digital tools but faces more complaints related to claims processing than other major insurers.
The following sections break down buying, policy management and claims process experiences based on MoneyGeek's research.
Buying Process Experience
State Farm combines the personal touch of local agents with online quote capabilities, giving you flexibility in purchasing coverage. Agents are well-trained on State Farm's extensive product lineup and can explain coverage options clearly. The online process is user-friendly, though complex situations often benefit from agent consultation. As the largest auto insurer in the country, State Farm has agents in most communities, but service quality varies by location. The Drive Safe & Save program offers usage-based discounts during the quoting process.
Policy Management
The State Farm mobile app is consistently rated among the best in the industry, offering comprehensive policy management including payments, coverage changes and claims filing. The digital experience is smooth and intuitive, though you can always contact your local agent for personal assistance. The app integrates well with the Drive Safe & Save program and provides useful features like roadside assistance requests.
Claims Experience
State Farm's size provides advantages in claims handling, with extensive repair networks and 24/7 reporting options through phone or mobile app. You can choose to work with your local agent throughout the claims process or handle everything digitally. The company's large network of preferred repair shops offers guaranteed work, though you're free to use any facility.
State Farm Car Insurance Industry Customer Satisfaction Ratings
State Farm ranks well for financial strength from all industry rating agencies, including most J.D. Power scores. Here are State Farm's scores from industry agencies.
AM Best Financial Strength | A++ (Superior) | A++ to D- | Superior ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | aa+ (Superior) | aaa to d | High credit quality with very low credit risk (State Farm Mutual) |
S&P Global Financial Strength | AA- (Very Strong) | AAA to D | Very strong capacity to meet financial commitments |
Moody's Financial Strength | Aa3 | Aaa to C | High grade with low credit risk |
J.D. Power Auto Claims Satisfaction | 710/1,000 | 1,000-point scale | Above average (industry average: 697) |
J.D. Power Digital Service Experience | 707/1,000 | 1,000-point scale | Above average (4th place) |
J.D. Power Auto Insurance Shopping Study | 699/1,000 (3rd of 18) | Out of 1,000 | 3rd out of 18 companies with a better than average experience |
J.D. Power Overal Customer Satisfaction | 677/1,000 | Out of 1,000 | Above average in all regions |
NAIC Auto Complaints | 2.16 | 1.00 is average | Higher complaints compared to similar sized companies |
State Farm Car Insurance Reddit and Forum Customer Satisfaction
State Farm customers on Reddit and online forums consistently praise the company's extensive local agent network, reliable claim handling and strong financial stability, valuing the personal relationships with agents and comprehensive bundling options.
Common complaints include higher premiums than direct competitors, inconsistent agent quality that varies by location, and digital tools that lag behind more tech-forward insurers like GEICO and Progressive.
Here's what real customers are saying about their experiences on forums:
Pricing and Value
Generally higher premiums than direct writers, but many customers feel the agent service and claim reliability justify the cost:
"State Farm costs about 25% more than GEICO quoted me, but when I had a claim, my agent handled everything personally. Worth paying extra to have someone who actually knows my situation."
Claims Processing
Generally positive claim experiences with reliable, fair settlements and good agent support:
"Had a total loss with State Farm and my agent walked me through everything. Fair settlement, no disputes over coverage and they even helped me find a good replacement vehicle."
"State Farm handled my home and auto claims from the same storm efficiently. One point of contact, fair adjusters, and they coordinated everything so I didn't have to manage multiple processes."
Customer Service
Strong local agent relationships, though quality varies significantly by individual agent and office:
"My State Farm agent is fantastic, he knows my family, reviews my coverage annually, and actually saved me money by adjusting my policy. Personal service you can't get from a call center."
Digital Experience
The State Farm mobile app receives solid ratings with 4.8 out of 5 on the Apple App Store and 4.6 out of 5 on Google Play. The app handles most functions well but still encourages agent interaction:
"State Farm's app works well for basic tasks: paying bills, viewing policies, filing simple claims. It's reliable and user-friendly, though not as feature-rich as some competitors."
"App is good for day-to-day stuff, but I still prefer calling my agent for important decisions. State Farm seems designed around that personal relationship, which I actually like."
Trust and Reputation
Strong brand trust and customer loyalty, with many viewing State Farm as the reliable, established choice:
"State Farm has been around forever and has the financial strength to pay claims. That stability and reputation are worth something, especially when you need them most."
"Trust State Farm to be there when I need them. They're not the flashiest or cheapest, but they're dependable. Sometimes boring is exactly what you want from insurance."
Coverage Options
Comprehensive coverage options with good bundling opportunities, though agents sometimes push unnecessary add-ons:
"State Farm offers everything you need with solid bundling discounts for multiple policies. My agent helps me choose what makes sense instead of just trying to sell me everything."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, the National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
State Farm Car Insurance Coverage Options
State Farm provides standard coverage options like other major insurers, including liability, comprehensive and collision protection. The company also offers additional add-ons such as:
Emergency Road Service | Towing, mechanical labor up to 1 hour, locksmith service, delivery of gas/oil/battery | 24/7 availability, about $30 per year cost |
Travel Expenses | Meals, lodging, and transportation if accident occurs 50+ miles from home | Up to $500 per loss, includes return trip to pick up repaired vehicle |
Personal Articles Policy | Broader coverage for valuable items like jewelry, cameras, fine art | No deductible, replacement cost coverage, protection travels with you |
Medical Payments Coverage | Medical and funeral expenses for you and passengers after an accident | Covers regardless of fault, includes treatment after collision |
Extends personal policy coverage while driving for Uber/Lyft | Covers all three periods of rideshare driving, adds 15-20% to premium | |
Rental car costs while your vehicle is being repaired from a covered loss | $16-$50 daily limits, up to $1,200 per claim | |
Uninsured/Underinsured Motorist | Protection when hit by driver with insufficient or no insurance | Covers medical expenses, lost wages, and property damage |
Personal Property Coverage | Contents of your home including furniture, appliances, clothing | Actual cash value or replacement cost options available |
Additional Living Expenses | Temporary housing and living costs when home is uninhabitable | Maintains your normal standard of living during repairs |
Personal Liability | Legal protection for bodily injury or property damage you cause | Covers legal defense costs and court expenses |
Identity Restoration | Expenses related to restoring your identity after theft | $25 annual fee, helps cover costs to restore stolen identity |
Other State Farm Insurance Coverage Options to Consider
Here are other insurance types you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
State Farm (Directly Offered) | Auto insurance, home insurance, renters insurance, condo insurance, motorcycle insurance, boat insurance, motorhome insurance, commercial auto insurance, business owners insurance, life insurance (term, whole, universal), medicare supplement insurance, supplemental health insurance, disability insurance, annuities, banking products, investment services, auto loans, home mortgages, credit cards |
Third-Party Partner | Pet medical insurance, mutual funds, additional investment products |
State Farm Auto Insurance Review: Bottom Line
State Farm excels in affordability, customer experience and coverage, earning fifth place for full coverage and fourth for minimum coverage overall. Compare quotes from multiple insurers, research your coverage needs and choose the right coverage level before purchasing.
State Farm Car Insurance Reviews: FAQ
Here are MoneyGeek’s expert answers to frequently asked questions about State Farm car insurance:
Does State Farm insurance have a good reputation?
Yes, State Farm is a legitimate car insurance company that secured fifth place in our comprehensive car insurance provider analysis. The insurer particularly excels in affordability and customer experience rankings.
Where is State Farm the best car insurance company?
State Farm is the best car insurance company in four out of 51 states and territories, including:
- Vermont
- Montana
- Wyoming
- Texas
How much does State Farm car insurance cost on average?
State Farm charges adults an average of $598 annually for minimum coverage and $1,428 for full coverage. Annual premiums range from $482 to $9,194 for minimum and $1,143 to $19,415 for full coverage.
Is State Farm known for denying claims?
Customer complaints and industry data suggest State Farm faces criticism for claim denials, particularly regarding coverage interpretations and settlement amounts. Policyholders report frustrations with lengthy investigations and disputes over policy terms, though comprehensive denial rate statistics remain limited across the insurance industry.
Note: This represents limited information based primarily on forum reviews.
Is State Farm a good option for high-risk drivers?
State Farm offers competitive rates for most high-risk drivers, ranking third for those with DUIs or accidents and fourth for speeding tickets, but avoid if you have bad credit (15th ranking).
Does State Farm raise car insurance rates over time?
Yes, State Farm and other insurers regularly increase rates due to inflation driving up repair and medical expenses, plus rising claim costs from distracted driving and severe weather. It also adjusts pricing based on area risk changes, regulatory updates and personal factors like credit score shifts.
Is State Farm good for young drivers?
State Farm is a solid choice for young drivers with their 5th place affordability ranking, offering competitive rates.
How We Rated State Farm Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Apple App Store. "State Farm Ratings and Reviews." Accessed September 18, 2025.
- Google Play. "State Farm - Apps on Google Play." Accessed September 18, 2025.