Auto Insurance Review
Key takeaways
State Farm ranks #5 for affordability among major car insurance carriers, with average rates of $337 monthly.
— QuoteYeti editorial team
- 02 Customer experience ranks #1 based on J.D. Power scores, NAIC complaint data, and online sentiment.
- 03 Coverage breadth scores #2 — see the coverage section below for which add-ons set State Farm apart.
State Farm ratings
How much does State Farm cost?
State Farm car insurance costs drivers $337 monthly on average, or $4,044 annually — -4% compared to the national average. Actual rates vary significantly based on your profile, location, and coverage selections. Use the cost-by-category table below to see how State Farm typically prices different driver profiles.
Avg monthly
$337
Avg annual
$4,044
vs. national avg
-4%
How State Farm compares
−4% below the national average for comparable coverage.
Rates by category
| Category | Minimum coverage | Full coverage | Rank |
|---|---|---|---|
| Adult drivers (clean record) | $286 | $337 | #5 |
| Young drivers (18–25) | $741 | $843 | #5 |
| Senior drivers (65+) | $320 | $371 | #5 |
| Drivers with one accident | $472 | $556 | #7 |
| Drivers with a DUI | $674 | $775 | #8 |
| Drivers with bad credit | $573 | $640 | #7 |
State Farm earns #1 overall in our auto rankings — the kind of performance that rewards a closer look, not a coin flip.
State Farm reputation
State Farm ranks #1 in QuoteYeti's customer experience study for car insurance. The score blends J.D. Power survey data, NAIC complaint ratios (0.62 versus an industry-wide 1.00 average), and member sentiment from public review sources. Customers consistently praise State Farm for responsive service and smooth claims experiences.
Step 01
Buying process
Buying coverage from State Farm is a strong experience for most drivers. The quoting process can happen either online or through a local agent — agent involvement adds personalization.
Step 02
Policy management
Day-to-day policy management at State Farm is straightforward, with self-service through both the mobile app and web portal. Customers who prefer in-person service appreciate access to local agents.
Step 03
Claims experience
Claims handling at State Farm performs at or slightly above the industry standard. For straightforward claims (windshield repairs, minor incidents), most drivers report fast resolution. Complex claims requiring extensive investigation can take longer.
Independent industry ratings
Independent ratings from major financial-strength and customer-satisfaction agencies:
| Source | Score | Overview |
|---|---|---|
| AM Best Financial Strength 1 A.M. Best Insurance-industry credit rating agency since 1899. A++ is the highest financial-strength grade. | A++ (Superior) | Superior ability to meet financial obligations — only the top tier of P&C companies earn this rating |
| S&P Global Financial Strength 2 S&P Global Standard & Poor's Global Ratings. Insurance financial-strength grades from AAA (strongest) to D. | AA | Very strong capacity to meet financial commitments |
| J.D. Power Claims Satisfaction 3 J.D. Power Consumer satisfaction surveys with 12,000+ policyholders annually. Scores run 0–1000; above 800 is considered excellent. | 712/1,000 | Near industry average |
| NAIC Complaint Ratio 4 NAIC National Association of Insurance Commissioners. Their complaint index is 1.0 = average; lower is better. | 0.62 | Substantially fewer complaints than expected for company size |
State Farm discounts
State Farm offers 6 discounts to help reduce your premium:
| Discount | Average savings | Eligibility |
|---|---|---|
| Drive Safe & Save | Up to 30% | Enroll in telematics; rates based on miles driven and habits |
| Steer Clear | Up to 15% | Drivers under 25 who complete State Farm's training program |
| Multi-Line | Up to 17% | Combine auto with home, condo, renters, or life insurance |
| Multi-Car | Up to 20% | Insure two or more vehicles on the same policy |
| Good Student | Up to 25% | Full-time students with B average or better |
| Accident-Free | Variable | Three or more consecutive years without an at-fault accident |
State Farm coverage options
State Farm offers a comprehensive coverage menu typical of major car insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
| Add-on coverage | What it covers | Key features |
|---|---|---|
| Roadside Assistance | Towing, jump-starts, fuel delivery, lockout service, and flat tire changes | 24/7 service across the US and Canada |
| Rideshare Coverage | Personal auto coverage extended for rideshare drivers between rides | Available in most states; required for Uber/Lyft drivers |
| Personal Articles Policy | High-value items like jewelry, art, collectibles, and electronics | Replacement cost coverage with no deductible on most claims |
| Car Rental and Travel Expenses | Rental car costs and travel expenses after a covered accident away from home | Daily and trip limits apply |
Pros and cons
Ordered by impact. The top item in each column is the one we'd weight heaviest in a recommendation.
What's working
- Top pro Largest network of local agents in the US (19,000+)
- Top-tier J.D. Power customer satisfaction scores year after year
- Drive Safe & Save™ telematics program with significant discounts
- Strong claims experience with personalized agent support
- Best-in-class financial strength (AM Best A++)
What's not
- Top con Base rates higher than GEICO and Progressive for many profiles
- Online quote and self-service tools lag digital-first competitors
- Limited availability of some niche coverages by state
- Less competitive for high-risk drivers compared to specialized insurers
Our verdict
The bottom line
State Farm earns an overall score of 4.41/5 in QuoteYeti's car insurance provider rankings. The carrier ranks #1 nationally, with particular strength in customer experience.
State Farm is best suited for drivers who value strong customer service over the lowest price. Base rates higher than GEICO and Progressive for many profiles is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Frequently asked questions
Is State Farm a good car insurance company?
State Farm is a legitimate car insurance carrier with a financial-strength rating of A++ (Superior). It ranks #1 overall and #5 in affordability in QuoteYeti's editorial comparison of major car insurance providers.
How much does State Farm car insurance cost?
State Farm averages $337 monthly ($4,044 annually) — -4% versus the national average. Your actual rate depends on your profile, location, and coverage choices. Use the cost-by-category table above to see how State Farm typically prices different drivers.
What discounts does State Farm offer?
State Farm offers 6 primary discounts, including Drive Safe & Save, Steer Clear, Multi-Line. See the full discount table above for eligibility and average savings.
Does State Farm have good claims handling?
State Farm's NAIC complaint ratio is 0.62 (1.00 is the industry average, so lower is better). This is at or near the industry average. J.D. Power claims scores rate 712/1,000.
Should I choose State Farm or a competitor?
State Farm is strongest for drivers who prioritize customer service quality. Compare quotes from at least three carriers — State Farm's rates and offerings vary significantly based on your specific profile, and the carrier that fits best can differ for drivers in different situations.
How we rated State Farm
QuoteYeti's car insurance rankings are designed to surface where each carrier actually wins and loses. We don't accept payment for ranking placement, and our methodology is published in full so you can audit how we reach our conclusions.
60%
Cost
We compare quotes across multiple drivers profiles, measuring how competitively each carrier prices its policies against local and national competitors. Data is normalized to comparable coverage levels.
30%
Customer satisfaction
We analyze customer feedback from J.D. Power member studies, NAIC complaint ratios, AM Best ratings, and public review sources to assess overall service quality and claims handling.
10%
Coverage breadth
We evaluate each carrier's coverage menu, scoring the variety of available endorsements, unique features, and gap-filling options.