Considering affordability, customer service, coverage and financial stability, State Farm ranks third overall in the nation for home insurance. The company offers the most affordable home insurance rates for newer and older homes and ranks highly in financial stability and customer satisfaction. Review our ratings below.
State Farm Home Insurance Review
Updated: June 25, 2025
Advertising & Editorial Disclosure
Key Takeaways
State Farm ranks third overall for home insurance affordability, with notably low premiums for newer homes at $1,144 annually.
Ranking second in the nation, State Farm excels in customer satisfaction, backed by its top-rated financial stability.
State Farm ranks fourth overall for coverage options, with unique choices, including earthquake and mold coverage and protection against cyber theft.
State Farm Home Insurance Ratings
| Overall Rating | 82 | 3 |
| Affordability | 45 | 3 |
| Customer Satisfaction | 27 | 2 |
| Coverage | 4 | 4 |
| Financial Stability | 5 | 1 |
*Scores are based on a 2,500-square-foot home, a $250,000 dwelling protection coverage and a $1,000 deductible.
State Farm Home Insurance Ratings by State
While State Farm ranks within the top three nationally, these ratings can vary depending on your state. The table below shows how the company stacks up by location.
| Alabama | 93 | 2 |
| Alaska | 73 | 3 |
| Arizona | 92 | 3 |
| Arkansas | 94 | 1 |
| California | 73 | 4 |
| Colorado | 85 | 3 |
| Connecticut | 89 | 1 |
| Delaware | 78 | 2 |
| District of Columbia | 60 | 3 |
| Florida | 93 | 1 |
| Georgia | 53 | 7 |
| Hawaii | 84 | 1 |
| Idaho | 76 | 3 |
| Illinois | 91 | 2 |
| Indiana | 86 | 3 |
| Iowa | 80 | 3 |
| Kansas | 89 | 2 |
| Kentucky | 73 | 6 |
| Louisiana | 87 | 1 |
| Maine | 85 | 2 |
| Maryland | 92 | 2 |
| Massachusetts | 83 | 2 |
| Michigan | 75 | 3 |
| Minnesota | 78 | 4 |
| Mississippi | 92 | 1 |
| Missouri | 72 | 3 |
| Montana | 90 | 2 |
| Nebraska | 90 | 2 |
| Nevada | 69 | 4 |
| New Hampshire | 66 | 3 |
| New Jersey | 86 | 2 |
| New Mexico | 93 | 1 |
| New York | 84 | 1 |
| North Dakota | 68 | 7 |
| Ohio | 89 | 3 |
| Oklahoma | 89 | 2 |
| Oregon | 77 | 3 |
| Pennsylvania | 80 | 3 |
| Rhode Island | 84 | 2 |
| South Carolina | 87 | 2 |
| South Dakota | 85 | 2 |
| Tennessee | 87 | 3 |
| Texas | 89 | 1 |
| Utah | 76 | 4 |
| Vermont | 82 | 1 |
| Virginia | 86 | 3 |
| Washington | 85 | 3 |
| West Virginia | 67 | 5 |
| Wisconsin | 62 | 5 |
| Wyoming | 82 | 1 |
How Much Is State Farm Home Insurance?
For most homeowners, State Farm home insurance costs $166 monthly and $1,986 yearly. However, depending on your unique profile and coverage needs, costs can vary from $38 to $1,368 monthly. Below, we've broken down costs in a filterable table that can fit your profile.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
Select
Age of Home:Older Homes
| $250K Dwelling / $125K Personal Property / $200K Liability | $166 | $1,986 |
State Farm Home Insurance Cost by State
Costs also vary heavily by state. Below, you can review pricing for State Farm home insurance by location:
| Alabama | $268 | $3,220 |
| Alaska | $127 | $1,529 |
| Arizona | $118 | $1,414 |
| Arkansas | $229 | $2,750 |
| California | $105 | $1,259 |
| Colorado | $186 | $2,235 |
| Connecticut | $142 | $1,710 |
| Delaware | $79 | $949 |
| District of Columbia | $113 | $1,355 |
| Florida | $432 | $5,185 |
| Georgia | $212 | $2,539 |
| Hawaii | $37 | $441 |
| Idaho | $135 | $1,622 |
| Illinois | $142 | $1,703 |
| Indiana | $160 | $1,922 |
| Iowa | $165 | $1,983 |
| Kansas | $237 | $2,845 |
| Kentucky | $203 | $2,435 |
| Louisiana | $293 | $3,521 |
| Maine | $73 | $882 |
| Maryland | $122 | $1,458 |
| Massachusetts | $108 | $1,295 |
| Michigan | $157 | $1,880 |
| Minnesota | $211 | $2,532 |
| Mississippi | $290 | $3,482 |
| Missouri | $224 | $2,689 |
| Montana | $198 | $2,376 |
| Nebraska | $336 | $4,036 |
| Nevada | $98 | $1,172 |
| New Hampshire | $88 | $1,056 |
| New Jersey | $90 | $1,079 |
| New Mexico | $125 | $1,501 |
| New York | $81 | $976 |
| North Dakota | $211 | $2,528 |
| Ohio | $127 | $1,521 |
| Oklahoma | $386 | $4,631 |
| Oregon | $102 | $1,221 |
| Pennsylvania | $104 | $1,253 |
| Rhode Island | $99 | $1,189 |
| South Carolina | $158 | $1,894 |
| South Dakota | $234 | $2,804 |
| Tennessee | $194 | $2,327 |
| Texas | $258 | $3,098 |
| Utah | $96 | $1,155 |
| Vermont | $85 | $1,022 |
| Virginia | $119 | $1,427 |
| Washington | $110 | $1,324 |
| West Virginia | $163 | $1,952 |
| Wisconsin | $114 | $1,363 |
| Wyoming | $130 | $1,564 |
State Farm Home Insurance Coverage Options
In addition to standard coverage options, State Farm offers the following add-ons:
Add-on Coverage Option | Coverage Details |
|---|---|
Back-up of sewer or drain | Covers damage and cleanup costs when sewage or water backs up through your home's drains or plumbing |
Building ordinance or law | Pays extra costs to bring your home up to current building codes when rebuilding after a covered loss |
Cyber event/Identity theft | Covers expenses and financial losses from identity theft and cyber crimes, including restoration costs |
Earthquake coverage | Protects your home and belongings from earthquake damage, which standard policies exclude |
Mold coverage | Covers mold damage and remediation costs that may not be included in your standard policy |
Scheduled personal property | Provides enhanced coverage for valuable items like jewelry and art with individually agreed-upon values |
State Farm Homeowners Insurance Review: Bottom Line
Overall, State Farm ranks among our top five for home insurance policies, and we recommend contacting it for quotes. While State Farm may be a good provider, compare other options and pricing to get the best deal.
State Farm Home Insurance: FAQ
Below are answers to frequently asked questions about State Farm home insurance:
Is State Farm home insurance good?
State Farm is a strong home insurance option, earning the third overall spot nationally. It ranks third for affordability, second for customer satisfaction and fourth for coverage options.
How much is home insurance with State Farm?
State Farm home insurance averages about $166 per month and $1,986 per year for most homeowners, although prices will fluctuate depending on location, home size and other factors. Overall, State Farm is a more affordable option, ranking third in terms of affordability in our study.
How is State Farm's home insurance customer service?
State Farm's home insurance customer service is strongly rated, placing second nationally in customer satisfaction, according to J.D. Power.
How We Rated State Farm Home Insurance
We used the following base profile to determine rates for all homeowners insurance providers and judge their affordability:
- 40-year-old homeowner
- 2,500-square-foot house
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Good credit
- No claims in the past 5+ years
Our ratings system consisted of the following scoring mechanisms:
- Affordability (55% of score): Using our base profile as a guide, we compared costs relative to the national average and competition.
- Customer Experience (35% of score): We considered forum ratings from customers, industry studies from J.D. Power and AM Best Financial Strength scores.
- Coverage (10% of score): This score considers add-on coverage selections relative to the average and the uniqueness of selections available.
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.