By phone: Call State Farm’s toll-free phone number for quotes at 1-800-782-8332
In person: Visit your local State Farm branch to speak to an insurance agent and set up your Personal Price Plan™
Expert tip: Once you have your quote, you’ll still need to compare at least three to five other offers to narrow down the most affordable policy. Download
, I just put in a bit of information, and they found lots of different quotes for me. I was paying $305 a month for 2 brand-new cars, but now I’m paying $150 a month for both with full coverage!” —Robin U.
State Farm pros and cons
Pros
Cons
Lots of discounts and plenty of opportunities to save money on your policy
Not a great option for drivers with a bad credit score
Superior travel and rental car packages
They tend to get more complaints than the average company of their size
Easy claim filing process and good customer service
State Farm car insurance cost
The average annual national cost for a State Farm car insurance policy: $1,234
is also likely to play a major role in the cost of your State Farm policy:
Average State Farm cost for drivers with good credit: $1,231 a year
Average State Farm cost for drivers with bad credit: $2,744 a year
The bottom line: State Farm is not a popular pick for drivers with a less-than-ideal credit history.
MORE: The best car insurance for bad credit drivers
Payment methods
As the country’s largest insurance provider, you can probably count on your preferred payment method being accepted by State Farm. Here are the payment methods they accept:
: Basic liability coverage is required in most states and covers damages caused to others in a car accident where you are found at fault. Your policy will almost always need to consist of minimum policy limits of
: Collision coverage is an auto insurance coverage option that pays for damages to your vehicle in the event of an accident or collision. A State Farm collision policy will also protect you when driving a newly acquired, borrowed, or temporary substitution vehicle as well.
: State Farm’s comprehensive coverage plan will protect your happen from select damages that aren’t covered by a collision policy. This could include property crime like
: Both uninsured and underinsured motorist coverage are designed to protect you in an accident with an at-fault driver who lacks sufficient liability coverage to cover your damage.
: This optional add-on will help cover the costs of any medical or funeral expenses for you, your family members, or your passengers regardless of who is found at fault in an accident.
A basic car insurance policy will typically consist of certain amounts of liability coverage according to your
Most insurance companies will offer the basic types of insurance coverage listed above. Here are a few less common, optional coverages and services offered by State Farm:
: This policy add-on that will help cover the cost of a rental vehicle should your car be rendered not drivable or in need of repairs following an approved State Farm policy claim.
: State Farm’s version of classic car insurance is designed to cover the increased expenses that could be associated with damage or loss of a collector car. Certain restrictions apply for vehicle age, use, conditions, and storage.
: The State Farm rideshare coverage plan is available in most states and offers coverage to protect drivers for Transportation Network Companies like Lyft or Uber during the gap periods when your company insurance leaves you vulnerable.
Select repair services: State Farm clients can choose and authorize their own
to current clients or those subscribed to the service via a policy add-on. The service covers towing and labor costs up to your policy limit, but you will have to pay-out-of-pocket for replacement items.
Emergency lockout coverage: If you are subscribed to a State Farm Roadside Assistance plan, you can enjoy emergency lockout services up to your policy limit.
will cover you up to your policy limit for a rental car after an approved claim. Travel expenses coverage will cover meals, lodging, and transportation costs up to your policy limit should you find yourself stranded by a claimable incident more than 50 miles away from your home.
that could save you anywhere from 5–80% of your policy package, so be sure to find out if you might qualify when considering your State farm car insurance quotes.
goes as smoothly as possible, be prepared to provide the following information.
The location, date, and time of the accident
The names, addresses, phone numbers, and insurance policy numbers of anybody else involved
A summary of the weather conditions
Photo evidence of the accident scene and damage
Any relevant copies of the police and/or accident reports
Keep in mind: Using the mobile app will make it easier to upload any relevant data quickly and efficiently.
Once you begin the claims process, you will receive a claim number that you will need to keep handy throughout the course of the claims investigation process. If approved, you can proceed with the repairs and secure a replacement vehicle (if included in your covered losses.
is an optional feature that could help you save up to 30% on your policy for maintaining safe driving habits.
How it works: When you sign up for the program via the mobile app or OnStar service, you agree to have your real-time driving habits monitored. These will then be used to calculate your discounted policy price upon renewal, if eligible.
The Steer Clear Driver Program
The Steer Clear Driver Program is a targeted mobile driver training program geared at teaching young drivers safe driving habits.
You must meet the following eligibility requirements to receive a Steer Clear policy discount:
You are under the age of 25.
You hold a valid driver’s license.
You have had no at-fault accidents or moving violations for at least three years previous.
You successfully complete all the program requirements.
The State Farm Pocket Agent Mobile App
State Farm boasts an award-winning mobile app available for Android and iOs. Efficiently manage your policy with the following conveniences:
State Farm insurance policies tend to be more affordable than Allstate car insurance offerings. This could be partially attributed to the fact that State Farm is a privately-owned mutual company.
The advantages of a mutual company: Basically, if you buy into a State Farm policy, you also become a partial owner of the company. By contrast, Allstate is a corporate entity that is owned by shareholders that have an interest in reigning in more profits.
The bottom line: State Farm is probably your best bet if you are looking for an affordable policy option but still want to stick with a trusted major provider.
State Farm vs. GEICO
Despite State Farm’s mutually owned status, GEICO wins out in terms of price offerings for most categories. That said, the difference may depend on your circumstances:
: State Farm might be a better choice for you than GEICO.
If you have a low credit rating: GEICO offers much more affordable package prices, and there’s a good chance you could save almost $1,000 a year by choosing GEICO over State Farm.
The bottom line: State Farm and GEICO both offer competitive pricing options compared to most larger car insurance companies, so be sure to take time to
The Takeaway: State Farm is great for great credit drivers
As the country’s largest insurance provider, State Farms offers a full range of unique policy options, discounts, and bundles that smaller providers can’t offer.
The benefits: Since State Farm is privately owned by its policyholders, it’s a great choice for anybody looking for an alternative solution to corporate providers or as a consistently affordable insurance solution.
The disadvantages: a State Farm policy becomes significantly less affordable if you don’t have a good credit score and most of the services they offer are rated average in terms of customer satisfaction.
State Farm insurance background
The State Farm Mutual Automobile Insurance Company is easily recognizable by its iconic slogan, "Like a good neighbor, State Farm is there.” Living up to their jingle, State Farm car insurance has indeed been a major trusted provider for almost a hundred years.
A bit of history: The company was founded in 1922 out of modest roots when a farmer named George Jacob Mercherle started selling car insurance to earn a reliable source of income. The company became a giant in the American car insurance industry by the 1940s.
These days, State Farm has expanded well beyond car insurance quotes to offer a full range of insurance services, including:
Life insurance policies
Homeowners insurance policies
Renters insurance policies
Insurance options for motorcycles, boats, and recreational vehicles
State Farm continues to dominate the American car insurance marketplace, holding the top place as the country’s largest private passenger auto insurer.
State Farm reviews
Below are some State Farm reviews from top reviewers.
J.D Power 2021 Ratings
According to the 2021 J.D. Power Associates U.S. Insurance Shopping Study, State Farm ties with Liberty Mutual for providing customers with the most satisfactory purchase experience (from a large insurance company) in the country—with a score of 872/ 1000.
The study measures satisfaction in 11 different areas of the country. State Farm topped the charts in the following regions:
Region
Rating
Florida
848
New York
859
Northwest
844
Mobile app reviews
Reviews for State Farm's mobile app are overwhelmingly positive. Customers report an easy claims process and great user experience.
Brand
Rating
User reviews
Apple App Store
4.8
353.6K
Google Play
4.7
73.2K
Financial ratings
In 2021, State Farm received an A++ rating from A.M. Best, the highest score for financial stability an insurance company can receive. They also received an AA from S&P Global Ratings, which also speaks to the company's finical strength and its ability to pay claims on time.
Organization
Rating
A.M Best
A++
S&P Global Ratings
AA
Moody's
Aa1
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State Farm usually doesn't charge a cancellation fee, and you may even get a refund of your unused premium.
Does my State Farm insurance cover a rental car?
+
You're probably covered if you have both collision and comprehensive coverage, but the specifics of what's covered and not covered depends on your policy. Double-check with your policy, and check if the rental company offers insurance.