MetLife vs. State Farm

The State Farm phone number is (800) 782-8332 for general inquiries, and customer service representatives are available 24 hours, seven days a week. You can also contact State Farm by logging in to your State Farm account online or visiting a local agent. 

How to Contact State Farm

• Call (800) 782-8332 to speak with a customer service representative
• Mail your request to State Farm at State Farm Insurance Companies / Insurance Support Center – East / P.O. Box 588002 / North Metro, GA 30029
• Visit a State Farm agent in person if there is one nearby

Exactly what you're looking to do will determine the best way to contact State Farm. For instance, to file a claim, you can file online, over the phone, or through the State Farm mobile app. However, to cancel your policy with State Farm, you will most likely need to call (800) 782-8332.

State Farm Phone Numbers

To learn more, check out WalletHub's full review of State Farm.

State Farm roadside assistance is worth it for drivers who are looking for basic coverage at a low price. State Farm customers can purchase roadside assistance as a policy add-on for around $10 to $24 per year in order to get coverage for things like towing, gas delivery, and locksmith services. The exact cost of State Farm's roadside assistance add-on varies based on the state, the type of vehicle, and other factors.

What Does State Farm Roadside Assistance Cover?

• Free towing for 10+ miles or to the nearest repair location, if the car isn't in drivable condition, according to customer service representatives.
• Mechanical or locksmith labor at the breakdown site for up to one hour.
• Winching if the vehicle is stuck on or next to a public road.
• Deliveryof gas, oil, a car battery, or tires in order to make the car drivable (the cost of the items is not included).

Since State Farm roadside assistance is fairly basic compared to the roadside assistance provided by an auto club, it might not be worth it for drivers who want robust coverage and extra perks.

State Farm Roadside Assistance Ranking

State Farm roadside assistance ranks 10th out of 22 companies according to WalletHub's analysis of the best roadside assistance providers. It is budget-friendly and a good fit for people who need coverage for small, occasional issues.

However, State Farm only offers one plan for roadside services, so it may not be the best choice for drivers who want additional towing miles, discounts at places like restaurants and hotels, and more perks.

State Farm Reviews and Ratings

• Reviews on WalletHub: 3.5/5
• J.D. Power: 4.2
• NAIC: 1.18
• BBB: A+

Major insurance companies that rank above State Farm when it comes to roadside assistance include Travelers, Nationwide, and Progressive, since they offer more coverage options.

How to Decide if State Farm Roadside Assistance Is Worth It for You

Your driving habits, budget, and whether you currently have State Farm insurance are the most important factors when deciding if it's worth purchasing roadside assistance through State Farm. If you have a short commute, drive locally, and don't anticipate needing winching or long-distance towing, it may be worth it to add State Farm's roadside assistance to an existing policy or to switch insurers if you're not a current State Farm customer. However, if you have a long commute or frequently take road trips far from home, State Farm might not provide enough coverage for you.

If State Farm roadside assistance does not offer enough coverage for your specific needs, you can compare quotes from other companies and consider switching to another insurer. Alternatively, you can maintain your State Farm policy and purchase roadside assistance from an auto club like AAA, Better World Club, or Good Sam. Auto clubs are generally more expensive than State Farm roadside assistance but provide more coverage along with discounts and perks. 

To learn more, check out WalletHub's review of State Farm. 

To file a complaint about State Farm, go online and submit your issue to the Better Business Bureau as well as your state's insurance regulator, then write a review of State Farm on WalletHub. This will either allow State Farm to fix their mistake or it will warn other consumers of potential problems with State Farm's service.

How to File a Complaint About State Farm

1. File a complaint with the Better Business Bureau (BBB). Use the Bureau's online claim submission process to file your claim. The Better Business Bureau forwards complaints within two days, and customers will be notified of any response from State Farm or if they fail to respond.
2. Submit a formal complain to your state's insurance regulator. Click here to find the database of the state insurance departments. Select your state and complete the online consumer complaint form.
3. Write a review on WalletHub. State Farm customers can voice their opinion by going to State Farm's profile on WalletHub and clicking “Write a Review.” At the very least, this will help other consumers thinking about doing business with the company.
4. Complain on social media. Use whatever social media platforms you have to your advantage. This can help build awareness for your issue, including from State Farm. If you have the ability to contact the company directly via social media, that's a good idea too.

What You Need to File a Complaint About State Farm With Regulators

• Your name, address, and phone number
• The name of any specific agent/broker
• Your policy number
• Any relevant claim number
• The details of your complaint/concern

So, if you're disappointed with any element of State Farm's service, you can rest easy knowing that you have several options for filing a complaint.

State Farm roadside assistance costs about $15 per six-month policy, though exact prices may vary depending on the state and the covered vehicles. State Farm roadside assistance is an optional endorsement that customers can add to their car insurance policy and use when they need emergency towing, fuel delivery, and more.

State Farm Roadside Assistance Cost Comparison

Purchasing roadside assistance from your car insurance company is usually less expensive than a motor club membership from a company such as AAA. However, it might not provide as much coverage. 

State Farm Roadside Assistance Includes:

• Free towing for 10+ miles or to the nearest repair shop
• Delivery of gas, oil, or a battery
• Battery jump-starts
• Tire changes
• Lockout services (up to one hour)
• Mechanical labor (up to one hour)

State Farm roadside assistance is meant to help drivers in need of immediate rescue, but it usually does not pay for the underlying problem, such as engine repairs or a battery that needs replacing. Additionally, the exact number of incidents covered by a State Farm roadside assistance plan will vary by state and policy.

For more information about choosing between roadside assistance options, check out WalletHub's guide to the best roadside assistance.

The phone number for State Farm roadside assistance is (877) 627-5757, and representatives are available 24/7. Alternatively, you can request assistance through State Farm's website or mobile app for roadside emergencies like towing and battery jump-starts.

What State Farm Roadside Assistance Offers

• Free towing for 10+ miles or to the nearest repair facility per tow
• Jump starts
• Lockout services
• Fuel delivery
• Tire changes
• Winching/extraction

To learn more about your options for roadside assistance, check out WalletHub's guide on the best roadside assistance companies.

You can get the State Farm Steer Clear discount by completing the company's safe driver discount program in six months, and then continuing to meet your state's eligibility requirements. State Farm's Steer Clear discount encourages young people to be safer drivers, and it can save them up to 15% on their premium.

However, the discount isn't available in California, Hawaii, Massachusetts, North Carolina or Rhode Island. There are a few minimum requirements that participants who live in eligible states must meet, too.

State Farm Steer Clear Discount Requirements

• Be under 25 years old (in most states)
• Have fewer than three years of driving experience
• Have a valid driver's license or learner's permit
• Have no at-fault accidents or tickets in the past three years
• Take 10 practice driving trips, totaling at least five hours

How To Get The State Farm Steer Clear Discount

1. Contact State Farm to make sure a driver on your auto insurance policy meets the eligibility requirements.
2. Download the Steer Clear app for iOS or Android (text STEER to 78836 to receive a link). You don't need a mobile device to participate, however, as State Farm offers the training modules on its website.
3. Use the Steer Clear app or State Farm website to complete the five training courses, which cover topics like distracted driving and special driving situations. This includes watching videos and taking quizzes about safe driving.
4. Log your driving hours over the course of at least 10 practice trips, which must include at least five hours of driving time, using the Steer Clear mobile app or the trip log sheet provided by State Farm. If you use the Steer Clear app, it will track your driving habits, such as your speed, turning times, braking, and other maneuvers. It will then give you a score and feedback after each trip.
5. Sign the Statement of Qualification, which asserts that eligible drivers have completed the initial requirements for the Steer Clear Safe Driver Discount and that they understand they will lose the discount if they are involved in an at-fault accident or get a moving violation.
6. Finish all the program requirements within six months. If you complete the program using the app, you will receive a certificate of completion through the app, which you should send to State Farm, along with your digital trip log and Statement of Qualification. If you don't use the app to complete the program, send your trip log and Statement of Qualification to your local State Farm agent.
7. Confirm the State Farm Steer Clear discount is being applied to your premium by checking your bill or contacting a State Farm representative.

If you continue to meet your state's eligibility requirements, you'll continue to get your Steer Clear Safe Driver Discount. The discount is generally available only to drivers younger than 25 years old, but older drivers who have fewer than three years of active driving experience can qualify in some states. For more information, check out WalletHub's guide on State Farm discounts.

No, State Farm does not offer gap insurance. Instead of traditional gap insurance, State Farm has a Payoff Protector® benefit, which is similar to gap insurance and included with every vehicle financed by State Farm Bank or used as collateral on a State Farm loan.

How State Farm's Version of Gap Insurance Works

Like gap insurance, State Farm's Payoff Protector benefit covers the outstanding principal balance on a State Farm auto loan after the car is totaled or stolen and the primary insurance provider pays its share.

Once a customer's collision or comprehensive insurance provider (it doesn't have to be State Farm), or another driver's liability insurance, makes its payment, Payoff Protector will pay the rest owed to State Farm Bank. The loan must be in good standing for the Payoff Protector benefit to apply.

State Farm Payoff Protector Eligibility

State Farm's Payoff Protector benefit isn't an insurance product that can be purchased by customers without a loan contract from State Farm Bank. It also has different rules and restrictions depending on where a customer lives. For more information about State Farm Bank's Payoff Protector benefit, call the company directly at 877-SF4-BANK (877-734-2265).

Yes, State Farm offers free towing to the nearest repair facility for their roadside assistance customers. State Farm roadside assistance costs around $15 per six-month policy and customers can request roadside assistance online, or by calling 1-877-627-5757.

State Farm Roadside Assistance Covers

• Towing services about 11 miles or to the nearest repair facility
• Delivery of gas, oil, a battery, or tire change
• Up to one hour of locksmith labor
• Up to one hour of mechanical labor for issues like mechanical problems, transmission trouble, or a fluid leak, among other things

While State Farm's roadside assistance covers towing and other services, it doesn't cover the cost of repair parts, replacement keys, or major fixes due to things like engine failure or structural damage.

State Farm Free Towing Limit vs. Popular Competitors

State Farm has accident forgiveness for drivers who have been State Farm customers for nine years with no accidents on record. State Farm accident forgiveness allows qualifying drivers to avoid surcharges and keep their accident-free discount after one at-fault accident per policy.

Requiring customers to be accident-free for nine years makes State Farm unique among major insurers. Most competitors only require three to five years without accidents to qualify for accident forgiveness.

Without accident forgiveness, an at-fault crash leads to an average premium increase of 56% for State Farm customers. However, it's important to note that State Farm accident forgiveness is state-specific and is not available everywhere. Contact a State Farm agent in your area for more information on your eligibility.

Yes, State Farm insurance rates are competitive, since the company is one of the five cheapest insurers nationally, according to WalletHub's cheap car insurance analysis. State Farm car insurance costs an average of $718 per year, or $60 per month.

Factors That Affect State Farm Insurance Rates

• State requirements
• Driving record
• Age
• Car make and model
• ZIP code
• Marital status
• Gender

Sample State Farm Car Insurance Rates

Note: These rates are approximations based on sample quotes from State Farm. Actual rates will vary.

To learn more about how we obtained these sample quotes, check out the methodology section of our complete State Farm car insurance review.