CarInsurance.com Insights
- State Farm performed above average in customer satisfaction in most regions of the U.S., according to a J.D. Power auto insurance study.
- The company offers competitive options for high-risk and young teen drivers, including its usage-based insurance program.
- State Farm offers a strong network of local agents to help you select the right coverage and manage your policy, though you can also use the app or website.
State Farm (No. 10 in our study, 3.91/5) is best for drivers looking to save money with a telematics program, those who need insurance for high-risk or young drivers, and those who want access to a local agent and don’t mind slightly higher average rates as a tradeoff.
State Farm is highly rated for customer satisfaction and its usage-based insurance program, Drive Safe and Save. The Bloomington, Illinois-based auto insurance company received high marks for satisfaction for teens and young adult drivers, making it a solid pick for families.
The company offers a wide range of discounts, including programs for teens and safe drivers, as well as strong digital tools and local agent support. While its rates are slightly higher than those of some competitors, State Farm’s solid claims handling and telematics program make it a top choice for families and loyal policyholders.
To help you decide whether State Farm is the right fit for your car insurance needs, we surveyed current policyholders and analyzed the company’s performance in several key areas.
Is State Farm’s Online Quote Tool Easy to Use? Mary Beth Finds Out
State Farm's online quote experience checks a lot of boxes. The tool automatically pulls in existing vehicle and driver details, clearly explains coverage options and suggests local agents for those who prefer a more personal touch. I’d consider it one of the best online quote experiences. Watch the full breakdown to see what makes it stand out and what to look for when you’re ready to request a quote yourself.
At a glance
State Farm scored highly for customer and claims satisfaction; the tradeoffs are above-average prices and some coverage gaps.
Pros
- Highly rated for customer satisfaction
- Good discounts for bundling and safe driving
- Competitive coverage for high-risk drivers
- Above-average marks for its telematics program
- Highly rated mobile app
Cons
- Higher average rates than some other insurers
- No accident forgiveness option
- Missing some coverage options, like gap insurance
Who is State Farm car insurance best for?
State Farm fits drivers who value strong customer satisfaction, claims service and telematics, and who don’t mind paying a bit above average. It ranks No. 10 (3.91 out of 5 stars) in our Best Car Insurance Companies of 2026 study and holds an A+ (Superior) financial strength rating from AM Best, effective November 14, 2025.
State Farm is highly recommended by its policyholders, making it suitable for people seeking customer recommendations and for customers with solid financial strength. Its NAIC complaint index of 0.59 shows it receives far fewer complaints than you’d expect for an auto insurer with the second-largest market share in the U.S.
How much does State Farm car insurance cost?
State Farm car insurance costs about $240 a month for full coverage — above the $215 national average and higher than most of its national competitors. Its value is in its service and claims strength, not having the lowest rate.
Your costs will vary depending on several factors, including your age, driving history, location, coverage selection and any applicable discounts for which you may be eligible. Compare the average annual full-coverage premiums for State Farm with those of other top insurers below.
| Company | Annual full coverage rate |
|---|---|
| State Farm | $2,875 |
| Travelers | $1,962 |
| GEICO | $2,159 |
| Nationwide | $2,524 |
| Progressive | $2,569 |
| Amica | $2,769 |
| Allstate | $3,159 |
| Farmers | $3,207 |
| USAA* | $1,628 |
*USAA is available only to military community members and their families.
State Farm’s online quote experience checks a lot of boxes. The tool automatically pulls in existing vehicle and driver details, clearly explains coverage options and suggests local agents for those who prefer a more personal touch. I’d consider it one of the best online quote experiences.
As with any insurer, the process begins by entering your name and address. State Farm was able to pull up the vehicles registered to our address, as well as the drivers I wanted to cover (myself and my spouse).
After providing a little more detail about whether each car was owned, leased or financed, State Farm invited me to enroll in its Drive Safe & Save usage-based insurance program. State Farm said signing up would earn me a 10% discount, with the opportunity to save up to 30% by maintaining safe driving habits at renewal time. I declined this option.
In no time at all, State Farm provided three quotes for three levels of coverage: Basic, state-minimum coverage, which was quoted at $113 per month; Standard coverage, which was quoted at $123 per month; and a custom level that was most similar to my current coverage with another provider, at $140 per month.
Scrolling down, I explored what was included with each level of coverage and compared it to the others. For example, the Basic level included 15/30/5 coverage, which is the minimum required in Pennsylvania, where I live. The Standard level offered 50/100/50 coverage, and the level similar to what I carry right now is 100/300/100, with roadside assistance and rental car reimbursement included.
A unique feature of the State Farm quote process is that it not only provided me with several options to choose from and the ability to purchase my new policy online, but it also provided me with information about local State Farm agents.
State Farm says every policy comes with a dedicated agent, providing me with multiple options to choose from. Each one included their name, insurance license number, profile photo and contact information so I could get in touch easily.
All in all, State Farm’s quote experience was one of the best of the insurance providers I tried.
Quotable insight:The $140/month custom quote for 100/300/100 coverage with roadside and rental coverage in Pennsylvania shows what “above average” buys.
Speak with a friendly agent and get your quote in minutes!
State Farm car insurance discounts and savings
Enrolling in State Farm’s Drive Safe & Safe telematics program could save you 10% at enrollment and up to 30% at renewal if you demonstrate safe driving habits and low mileage. There is also a program called Steer Clear that helps drivers younger than 25 improve their driving skills and potentially lower their costs.
In addition to Drive Safe & Save, State Farm offers other auto insurance discounts, too:
- Multi-policy (bundle discount)
- Defensive driving course
- Good driver
- Good student
- Away at college
- Driver training
- Loyalty
- Low mileage
- Safety features (such as driver assist technology)
- Passive restraint
- Anti-theft device
Coverage options
State Farm offers the standard set of coverages (liability, collision, comprehensive) plus rideshare, UM/UIM, medical payments, roadside and rental. It falls short by omitting accident forgiveness and offering no true gap insurance (only Payoff Protector via a State Farm Bank loan).
State Farm’s standard car insurance coverages include:
- Liability, which pays for injuries or damage you cause in an accident.
- Collision, which pays to repair or replace your vehicle if it’s damaged in an accident.
- Comprehensive, which pays to repair or replace your vehicle if it’s damaged by something other than an accident, such as falling objects, fire or vandalism.
State Farm’s add-ons include:
- Rideshare coverage
- Uninsured & underinsured motor vehicle coverage
- Medical payments coverage
- Emergency road service
- Car rental reimbursement, including travel expenses
State Farm’s claims experience
State Farm beat the J.D. Power averages on both claims and digital experience in the latest available studies. You can file a claim with State Farm on the website, by contacting your State Farm agent, or through the State Farm mobile app.
State Farm performed above average in the J.D. Power 2025 Auto Claims Satisfaction Study with a score of 716, above the study average of 700. State Farm also exceeded the study average in J.D. Power’s U.S. Insurance Digital Experience Study, scoring 707; the segment average was 699.
On the iOS App Store, the State Farm app has received 4.8 stars out of 5, based on over 1 million reviews. On the Google Play Store, the latest rating is 4.6 out of 5 stars, with nearly 400,000 reviews.
Screenshot from the iPhone app store preview page.
Screenshot from the Google Play Store page.
State Farm customer satisfaction
State Farm earned a score of 84% in customer satisfaction in our analysis of the top car insurance companies, ranked above average in nearly every J.D. Power region, and got 41% fewer complaints than expected.
According to the 2025 U.S. Auto Insurance Study from J.D. Power, State Farm was the top-ranked insurer in the Northwest for customer satisfaction.
State Farm receives 41% fewer complaints than expected for an insurer of its size, according to the complaint index published by the National Association of Insurance Commissioners (NAIC). The baseline index is 1.0, and State Farm’s index is 0.59.
In terms of financial strength, which is an important indicator of a company’s ability to pay out its claims, State Farm received an A+ (Superior) rating from global credit ratings agency AM Best, effective November 14, 2025. This is a downgrade from its previous A++ rating, which AM Best states is due to increased operating costs from elevated claims, litigation, and weather-related damages, though its balance sheet remains strong.
My verdict
State Farm is strong on customer satisfaction, claims, and telematics, ranking No. 10 in our study with a score of 3.91 out of 5. At $240 per month, its average full coverage rate is about 11% higher than the average rate of $215. One more thing: You won’t find accident forgiveness or true gap insurance with State Farm, two coverage gaps that stand out for an insurer of this size.
I was pleased with the quote process and the rates I received; rates vary by state and driver profile, which is why you should run a quote for yourself. Buy State Farm if you want a local agent, top-tier customer satisfaction, and telematics savings. But I say skip State Farm if you want accident forgiveness or gap insurance, or if you need the lowest possible prices.
Sophie’s Tip
Run a State Farm quote with Drive Safe & Save, then compare it to one from a cheaper carrier on identical limits — that tells you whether the satisfaction and claims strength are worth the higher rate for you.
Frequently Asked Questions: State Farm car insurance
Is State Farm insurance cheaper than other car insurance companies?
State Farm’s average monthly rates were not the cheapest among the insurers we analyzed, but they also weren’t the most expensive. Keep in mind that your rates will depend on factors like your driving history, location and the coverage you choose, among other variables.
Does State Farm insurance offer accident forgiveness?
No. State Farm does not offer accident forgiveness coverage. However, if your premiums with State Farm go up after an accident, check with your agent to make sure you’re taking advantage of all eligible discounts.
Does State Farm insurance have gap insurance?
No, State Farm does not offer gap insurance. However, if you finance your car with a loan from State Farm Bank, you can use its Payoff Protector feature if your insurance doesn’t cover the balance remaining on your car loan.
How do I file a claim with State Farm insurance?
You can file a claim with State Farm in several ways: through the State Farm mobile app, online through the website or by calling your State Farm agent. You can follow the progress of your claim with the app or website, too.
Is State Farm insurance good for high-risk drivers?
State Farm may be a good option for high-risk drivers, such as those with major violations or DUIs. Rates are usually higher for high-risk drivers, but coverage is often available.
Does State Farm insurance offer telematics or usage-based insurance?
Yes. State Farm’s Drive Safe & Save program tracks your miles and driving habits through an app on your mobile phone. Drivers with low mileage and a history of safe driving can save up to 30% on their policy renewal with State Farm.
Sources
- AM Best. “AM Best Downgrades Credit Ratings of State Farm Mutual Automobile Insurance Company and Affiliates, Takes Various Credit Rating Actions on Subsidiaries.” Accessed July 2026.
- National Association of Insurance Commissioners. “State Farm Mut Auto Ins Co National Complaint Index Report.” Accessed July 2026.
- J.D. Power. “It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds.” Accessed July 2026.
- S&P Global. “Progressive now No. 1 US private auto insurer for full 12 months, estimates show.” Accessed July 2026.
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