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State Farm Car Insurance Review for 2022

State Farm is one of the best auto insurers, with the third-lowest average rate and second-best customer satisfaction score of the companies we rank.

State Farm Pros & Cons

Pros:

  • Overall average premiums are among the lowest in our study.
  • Customer satisfaction ratings second only to USAA.

Cons:

  • Local agents may provide inconsistent customer service.
  • High rates for drivers with poor credit.

Is State Farm Car Insurance Good?

4.11 out of 5

Our rates study and customer satisfaction survey show that State Farm is a good car insurance company for most drivers. Thanks to State Farm’s combination of low rates and customer service, this insurer scores a second-place finish in our Best Car Insurance Companies ranking, just behind USAA.

Customers in search of a cheap auto insurance policy should consider State Farm, since State Farm’s average rates were among the lowest we found for a variety of driver demographics. In our Cheapest Car Insurance Companies ranking, State Farm finishes third, behind USAA and Geico. 

Real State Farm customers who responded to our survey awarded high scores for satisfaction, particularly in the areas of claims handling, customer service, and customer loyalty. State Farm policyholders are likely to recommend the company to family and friends, which bodes well for potential new customers.

State Farm Customer Service

In our Best Insurer for Customer Service subranking, State Farm earns second place behind USAA. State Farm customers who responded to our survey were generally quite pleased with the level of service provided. Of the survey respondents who did not file a car insurance claim with State Farm, 64% indicated complete satisfaction with the ease of contacting customer service. Among respondents who filed a claim, 66% were completely satisfied with the customer service provided by State Farm.

State Farm Claims Handling

Claims handling is one of State Farm’s worst-performing areas, according to our survey respondents. Here, State Farm slips to fifth place, right in the middle of our rankings for this category, behind USAA, Nationwide, Farmers, and Geico. Of respondents who filed a claim, 71% report complete satisfaction with ease of filing, 59% report complete satisfaction with status updates during the claims process, and 67% report complete satisfaction with the resolution of the claim. These numbers are each a few percentage points short of Geico, the next closest competitor in this category.

State Farm Customer Loyalty

State Farm gains ground in our subranking for the best auto insurance company for customer loyalty. Most survey respondents indicated that they are likely to recommend State Farm to friends and family, which earns State Farm a second-place finish in this category, right behind USAA. Of respondents who had not filed a claim, 34% said they are very likely to recommend State Farm. Of respondents who filed a claim, 46% said they are very likely to recommend State Farm, and 61% are very likely to renew their policy.

State Farm Complaints

Though most State Farm customers who responded to our survey are satisfied with the experience, there will always be complaints. Rates are a common topic among dissatisfied customers, which we found is common for the companies we rank, and some respondents noted that State Farm heavily penalizes drivers with a poor credit rating. 

  • “May find equal service for lower costs if someone shopped around.”
  • “If I could switch I would because my rates are through the roof since they base your payments on your credit.”
  • “I was not satisfied with the handling of my claim. I was informed that I was the one who had to contact the other insurance company to receive my payment. Very frustrating.”

How Much Is State Farm Car Insurance?

Most drivers can save money with State Farm, according to our annual study of the Cheapest Car Insurance Companies. Our study found an average auto insurance rate of $1,168 with State Farm. That’s the third-cheapest average rate in our study, after USAA and Geico. This rate also represents savings compared to the national average rate of $1,320 found by our study.

Keep in mind that your own car insurance rates quote will vary based on your specific situation. Though State Farm generally has some of the lowest rates available, our study found that there are a few exceptions for certain demographic groups.

State Farm Car Insurance for You

State Farm Rates for Teen Drivers

 17-YEAR-OLD FEMALE17-YEAR-OLD MALE
State Farm$2,986$3,661
National Average$4,515$5,140

Teen drivers (or, more realistically, their parents) pay the highest auto insurance rates of any age group in our study, by far. That said, State Farm is one of the best choices, with rates that are up to 15% less than the national averages. USAA leads the pack for this group, and though Geico undercuts State Farm’s rate for men in this age group, State Farm is cheaper for women.

State Farm Rates for Young Adults

 25-YEAR-OLD FEMALE25-YEAR-OLD MALE
State Farm$1,262$1,396
National Average$1,487$1,554

Young adults typically pay less for car insurance than teen drivers, though still considerably more than older adults. It’s also common for men in this age group to pay higher rates than women, which is evident in the State Farm averages our study found. State Farm’s rates for these groups are competitive, beating out the national averages and all competitors except USAA and Geico.

State Farm Rates for Seniors

 60-YEAR-OLD FEMALE60-YEAR-OLD MALE
State Farm$1,038$1,038
National Average$1,149$1,183

State Farm rewards its senior policyholders with low rates, second only to USAA and Geico. It’s typical for this age group to enjoy reduced auto insurance premiums, and State Farm is a great choice for these drivers.

State Farm Rates for Drivers With Poor Credit

 AVERAGE RATE FOR POOR CREDIT
State Farm$2,803
National Average$2,227

Drivers with a poor credit history should avoid State Farm. Our study shows that State Farm’s rate for this group is an exception to the company’s low rates. In fact, State Farm’s rate is the most expensive in our study, and it’s 26% more than the national average for this group of drivers.

State Farm Rates for Good Drivers

 AVERAGE RATE FOR GOOD DRIVERS
State Farm$1,169
National Average$1,321

State Farm’s low rates are a good choice for drivers with a clean record. Our study shows that this group of policyholders saves compared to the national average and compared to every rival in our study except USAA and Geico.

State Farm Rates After a Speeding Ticket

 AVERAGE RATE WITH SPEEDING TICKET
State Farm$1,299
National Average$1,604

If you want cheap car insurance rates, avoid speeding. If it’s too late for that, check out State Farm. Our study found State Farm has the second-lowest average rate for this group, after USAA, and it’s only a modest increase compared to State Farm’s study rate for good drivers.

State Farm Rates After an Accident

 AVERAGE RATE WITH ACCIDENT
State Farm$1,405
National Average$1,872

State Farm is a good choice for drivers with one accident. Our study found a rate that’s cheaper than the national average and cheaper than every other company in our rankings except for USAA.

State Farm Rates After a DUI

 AVERAGE RATE WITH DUI
State Farm$1,568
National Average$2,112

Though most auto insurance companies in our study heavily penalize drivers with a DUI, this group can do better with State Farm than with most rivals. State Farm’s average rate for drivers with this type of infraction is the lowest we found, and it saves drivers about 26% compared to the national average rate for this group.

How Much Is High Coverage Car Insurance With State Farm?

 AVERAGE RATE FOR HIGH COVERAGE
State Farm$1,256
National Average$1,397

State Farm nears the top of our list if you’re looking for a policy with more coverage. Our study found that just two competitors, USAA and Geico, have lower average rates for this type of policy.

How Much Is Minimum Coverage Car Insurance With State Farm?

 AVERAGE RATE FOR MINIMUM COVERAGE
State Farm$1,086
National Average$1,248

Our study shows that State Farm is one of the more affordable car insurance companies for drivers in search of a minimum coverage policy. USAA leads the pack in this area, and Geico is second, but State Farm is a good choice for most other drivers.

State Farm Car Insurance Discounts

State Farm customers and potential customers can lower their premiums by qualifying for one or more discounts. We found that State Farm’s discounts are typical of those available from the major auto insurance companies in our rankings, such as discounts for good students and for accident-free drivers. Notably, State Farm offers not one, but two opt-in, app-based safe driving programs. Drive Safe & Save may yield discounts if the app detects a pattern of safe driving habits. Steer Clear is an app-based safe driving program specifically for policyholders under the age of 25. Keep in mind that discounts can vary from state to state, and policyholders should always check with State Farm for eligibility.

  • Student/Good Student: Students with good grades may be eligible for discounts.
  • Student Away From Home/Storage: Savings for students whose cars aren’t used or are stored while they’re living on campus.
  • Bundling/Multi-policy: Savings on car insurance for bundling with a homeowners, renters, or similar policy.
  • Multi-vehicle: Discounts for multiple vehicles on the same policy.
  • Good Driver/Clean Record: Discounts available after three years with an accident-free record.
  • Defensive Driving Course: Discounts available for adults and young drivers who complete approved courses.
  • New car/Safety/Anti-theft Equipment: Discounts available for late-model vehicles or those equipped with certain safety features.
  • Low Mileage: Potential savings for drivers who don’t drive a lot.
  • Tracking Device Program: State Farm’s Drive Safe & Save and Steer Clear apps reinforce good driving habits for potential savings.

What Types of Car Insurance Does State Farm Offer?

Car insurance coverage options from State Farm are similar to the offerings from the other major auto insurers in our rates study. Basic coverage is available to meet state minimum requirements, and plenty of add-ons help customize a policy to meet your needs.

  • Liability
  • Comprehensive
  • Collision
  • Uninsured/underinsured motorist
  • Emergency road service
  • Rental car insurance
  • Rideshare insurance
  • Recreational vehicle coverage
  • Commercial vehicle coverage

Other Services Offered by State Farm

  • Website with insurance resources for potential customers and account management for policyholders.
  • Online quotes that are quick, easy, and at your convenience
  • Online billing and automatic payments
  • Mobile app for billing and policy information, as well as contacting roadside assistance
  • Drive Safe & Save, an opt-in telematics/tracking program that may result in discounts for safe drivers

Other Insurance From State Farm

  • Homeowners insurance
  • Rental insurance
  • Condo insurance
  • Personal property and identity restoration insurance
  • Farm and ranch insurance
  • Business insurance, including worker’s compensation
  • Life insurance
  • Health insurance
  • Disability insurance
  • Commercial vehicle coverage
  • Motorcycle, ATV, and RV insurance
  • Boat insurance
  • Sports car and classic car coverage
  • Pet insurance

FAQ

Where do I buy State Farm car insurance?

State Farm’s auto insurance policies are available online and by phone. State Farm also has local insurance agents in most states so you can buy a policy in person.

How does State Farm compare to other car insurance companies?

State Farm has the third lowest rates in our study of nine major auto insurance companies, behind USAA and Geico. This insurer also fares well in our customer satisfaction survey, coming in right behind USAA.

Who should get State Farm car insurance?

State Farm is the third cheapest car insurer in our rankings, so it’s a good choice for most motorists, especially younger drivers. If you don’t qualify for USAA membership or don’t see savings with Geico, you should consider getting a policy with State Farm.

How do I contact State Farm?

  • Website: www.statefarm.com
  • Mailing address: One State Farm Plaza, Bloomington, IL 61710
  • Customer service phone number: 1-800-STATE-FARM (1-800-782-8332)
  • Customer service email: Customer Forms
  • Twitter: @StateFarm

How We Created This State Farm Car Insurance Review

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings. 

We surveyed 4,806 consumers who filed a car insurance claim or started a new auto insurance policy in the last five years, asking questions about their car insurance company. Of the survey respondents, 404 filed a claim with State Farm and 319 started a policy with State Farm. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. In general, questions for consumers who have filed a claim were given more weight than questions for consumers who have only opened a policy. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies Rankings, as well as our sub-rankings: Best Car Insurance Companies – Customer Service, Best Car Insurance Companies – Claims Handling, and Best Car Insurance Companies – Customer Loyalty, and this company profile.

Our Study Rates

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from most of the largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 17, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 12,000 miles per year and have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

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