State Farm

3,397 Reviews

State Farm is the largest provider of auto and home insurance policies in the U.S., insuring more than 80 million people across the country. The company is headquartered in Bloomington, Illinois and was founded in 1922. Here are a few other key things to know about State Farm Insurance:

4.1 / 5 rating from WalletHub editors
3.5 / 5 average rating among users. Read reviews.
A++ rating from AM Best
Offers auto insurance, life insurance, property insurance, and more

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State Farm Reviews

The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 03/21/2023.

3.5

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WalletHub
January 20, 2023 • @WalletHub

editor's review

State Farm Insurance Review

State Farm insurance is rated 4.1/5 by WalletHub’s editors, based on customer reviews, sample insurance quotes and ratings from organizations such as AM Best, which gave State Farm an impressive A++ rating. State Farm reviews from consumers tend to praise the company’s customer service and competitive pricing. However, the auto insurance company’s NAIC rating is 1.18, which means it has also received more complaints than the average car insurance company.

State Farm Insurance Ratings

Reviews on WalletHub: 3.5/5
AM Best: A++
J.D. Power: 4.2/5
NAIC: 1.18
BBB: A+
S&P: AA
Moody’s: Aa1

State Farm Car Insurance Review Highlights

Rank — Third cheapest quartile among the cheapest major car insurance companies, according to WalletHub's price comparison.

Top Discounts — Drive Safe & Save™ (5%), multiple-auto (up to 20%), good student (up to 25%), and Steer Clear® young-driver monitoring (up to 15%).

Basic Coverage Options — Bodily injury liability, property damage liability, medical payments, personal injury protection, comprehensive, collision, and uninsured/underinsured motorist.

Supplemental Coverage — Travel expense reimbursement, rental car reimbursement, and emergency road service.

Other Specialty Auto Insurance — Policies for business vehicles, sports cars, and classic cars.

WalletHub’s editors obtained sample State Farm auto insurance quotes for a total of six driver profiles, which are fairly representative of drivers across the U.S. You can learn more about these sample quotes in the Methodology section of our full State Farm Auto Insurance Review.

State Farm Car Insurance Quotes

Sample Age	Average Quote
18-Year-Old	$123 per month
21-Year-Old	$84 per month
45-Year-Old	$60 per month
45-Year-Old with a Speeding Ticket	$91 per month
45-Year-Old with DUI	$187 per month
55-Year-Old	$57 per month
65-Year-Old	$47 per month

Overall, State Farm insurance keeps its customers protected on the road (and pretty much everywhere else) at a fairly competitive price. State Farm’s generous discounts make its auto insurance policies even cheaper. State Farm delivers on its wide variety of supplemental and specialty coverage options, which are affordable, too.

State Farm Home Insurance Review Highlights

State Farm offers property insurance for both homeowners and renters, along with discounts for bundling them with other State Farm insurance policies. There are insurance policies available for owners of condos, ranches, farms, and mobile homes, too.

State Farm homeowners insurance policies generally cover property damage due to acts of nature, fire, theft, and vandalism, as well as damage from other causes, like explosions, smoke, or accidental discharge of water from the plumbing system. Homeowners insurance from State Farm also covers damaged or stolen furniture, electronics, jewelry, and firearms. However, it does not cover damage from flooding, earthquakes, or other natural disasters, or damage caused by insects, birds and animals.

Renters insurance from State Farm protects the personal belongings of people who don’t own their own home from damage caused by accidents (like a car crash or falling object), “malicious mischief” (like vandalism or theft), and weather (like hail or lightning).

Overall, State Farm’s homeowners and renters insurance policies are affordable and provide dependable coverage.

Bottom Line: Is State Farm a Good Insurance Company?

Yes, State Farm is a good insurance company. WalletHub’s editors give State Farm a rating of 4.1/5 due to its typically quick claims inspection and payout process, generous discounts, wide variety of insurance types and coverage options, and personalized customer service.

State Farm is best known for its auto insurance, and though other auto insurers have more extensive coverage options, State Farm’s menu more than adequately covers the nuts and bolts of a policy. However, State Farm does have a reputation for sometimes trying to avoid claims payouts and pressuring customers to use repair shops preferred by the company, which has brought its ratings down a bit.

To learn more, check out WalletHub’s complete State Farm Insurance Review. You can also read some of the reviews from fellow consumers below.

Product: State Farm Car Insurance

Comment

_svi_issack
October 15, 2021 • @_svi_issack

I have Home Owner Insurance with State Farm since 1980, paying my premiums on time. Then when we had a water flood in our apartment on the 16th floor, cause by a water pipe malfunction on the 18th floor, State Farm decide that this was a "slow water leak" and they denied our claim. They have not even bothered to come and review the damage .... How could this be a "leak" then the water came down out ceiling and walls so rapidly that we could not contain it with buckets. State Farm was always very happy to collect our premiums but wiggled out of any obligations when you need them. If I could give then ZERO starts I would. Be aware all of you, State Farm Policy does not cover water leaks !!!

Comment

smorningstar1
November 18, 2021 • @smorningstar1

State Farm is a horrible insurance company. I've been a customer of State Farm for 40 years and I'm looking for another company. I had a water pipe break inside a wall and did not discover it right away. When I talked to the claims adjuster who was from the East Coast while I'm in Louisiana, dismissed my claim immediately without even knowing details. The water damage is bad, affects three rooms and the bottom cabinets of my fairly newly renovated kitchen. Conveniently for State Farm, it claims that the cause was old pipes and the damage is the result of continuous water leakage - not covered by the policy. I contend it should be covered - they cannot tell absolutely it was from old pipes and the damage was not visible because the water was backing up into the wall. State Farm is the worst and I would never recommend it as an insurance company. I know I'm leaving as soon as I can find a replacement company. I hope I can do this quickly.

Comment

camper9885
June 20, 2022 • @camper9885

As a rule, I do not post reviews unless I have something good to say. However, in this case, I feel obligated to warn people. I've been a State Farm client for over 40 years. It has been my experience that insurance policies are only as good as the agent themselves. I've had very few claims over the years with means I've paid State Farm a total of over $1.6 million dollars in premiums for a total of less than $100k worth of claims. I've worked with a total of 7 different agents in three different states. When we moved to SLC I looked online at reviews, talked to my agent in Colorado for referrals, and called State Farm to get their advice. I chose Vicki Tuna - went and met with her, asked who I would work with - would it be her or office trainees - and was very clear that I did not want to work with a trainee. She assured me she would be the only person I would work with. Since that meeting, I've talked to trainees on all occasions except for the three times I made a phone appointment to talk with her directly (it takes over a week to get on her calendar for a simple question). She is all but inaccessible. Vicki has had three years to correctly assign our significant account to her or at a minimum, someone who has the experience to handle large accounts. Most recently, after requesting a very usual and simple change to a policy, I had to call again - the office trainee took my call - and sat through a long conversation where it was explained that, "errors sometimes just happen" and "we just don't have the bandwidth to contact customers when there is a problem". Needless to say, I'm looking for a new agent. I suggest you do too.

Comment

plainsrus
February 3, 2023 • @plainsrus

Here in Maryland, State Farm has a lion's share of car insurance. Everywhere you look, there an agent. I used to have a policy with them, but changed to a competitor when they their rates. Long story short, my wife was involved in an auto accident with their client who changed lanes, drove into my wife's leading to a collision with damage to my wife's front bumper. State Farm kept stringing me on for two weeks and eventually refused to pay for damages. Every time I called, a representative was giving me a different story. The company sucks.

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Suemiller6
March 20, 2023 • @Suemiller6

If I could give a 0, I would. Their customer service is terrible. They do not want to pay out on claims. They just hand you off to whoever they can forward your call too. You may have a good agent, who tries to help but it might be out of their hands. To have no claims for years, a perfect driving record and have 3 vehicles insured with them you would think they would do the bare minimum to keep your business. This claim was something out of my control and should have been filed as comprehensive or not at fault, according to other agents with other companies, but they wouldn’t even take the time to look into that portion. I would highly encourage anyone looking for insurance to stay away from State Farm. They are not like a good neighbor and they are definitely not there. They are actually impossible to get a call from. They do have wonderful agents in my area who are good to their customers but when it comes to claims, they are hands down dirty and not worth the headache. Do your research, like I should have and Do NOT CHOOSE STATE FARM.

Product: State Farm Car Insurance

Comment

jarred_cook1
March 20, 2023 • @jarred_cook1

Warning!! I wrecked my truck 2 weeks ago. I had full coverage insurance only to find out that they don't include medical coverage for anyone in your vehicle its an option that they do not tell you about. So instead of 10.00 a month extra, I have to pay over 7 thousand dollars in medical bills. Guess who's going to take their business elsewhere. ME....take this as a warning. They are happy to help until you need help.

Product: State Farm Car Insurance

Comment

john_mikebassford
March 20, 2023 • @john_mikebassford

I WOULD LIKE TO THANK RICK KROBOTH AT THE RIDGE RD IN PARMA,OHIO OFFICE FOR TAKING THE TIME AND FINDING ME GOOD COVERAGE BUT ALSO AFFORDABLE VERY PROFESSIONAL I WILL REFER HIM DO ALL MY FRIENDS AND FAMILY THANK YOU AGAIN RICK MUCH APPRECIATED !! MY DAUGHTER WILL BE CALLING YOU IN THE NEXT COUPLE DAYS AGAIN THANK YOU !!
JOHN LONG AT MIKE BASS FORD INC.

Product: State Farm Car Insurance

Comment

taanderson89
March 13, 2023 • @taanderson89

Alison Carr made the switch to state farm easy. She went over and beyond explaining and has reached out to see if i had any other questions. I highly recommend Alison Carr as your agent.

Product: State Farm Car Insurance

Comment

bc_cramer
March 10, 2023 • @bc_cramer

I usually never write a review. I have been a loyal State Farm policy holder since the 1995 (cars. home, life insurance). I recently had a water pump fail and it flooded my basement with sewage. I didn't expect them to pay for pump but the consequential damages resulting from said pump. I was told this was not covered because we did not pay for this specific coverage. When I asked the agent "How would I know I needed this as this is not a septic tank" he said "Good point but it's not covered. Then I asked if they could recommend a remediation company the recommended a company that charges between 4k to 9k. I found my own local company for $2200 by asking the company putting in the pump. (Lesson here , don't ask the insurance companies, look at the people that do the work. I just got off the phone with a reliable insurance broker and will be moving all of my policies elsewhere. All of them! All I can say is stay away from State Farm especially the agent in Goffstown/Heneker NH.

Product: State Farm Home Insurance

Comment

chiquitagriff
March 7, 2023 • @chiquitagriff

After almost 20 years of being a State Farm customer, I will be moving on to another insurance carrier. I took my car to be repaired at a State Farm preferred body shop after a collision with a deer. Traumatizing! The repair shop didn’t submit all the needed repairs to State Farm in an effort to cut corners and still do the work just barely under the threshold of my vehicle being totaled. When I went to pick up my car, the engine light was on, my instrument panel wasn’t working, and my sunroof liner was still sagging inside the vehicle. The repair shop relayed to State Farm that such issues were “pre-existing” issues. This claim was totally untrue. I ended up taking my vehicle to the dealership to fix the electrical issues that did not exist prior to the accident. It was determined at the dealership that those issues were a result of unsavory work performed at the body shop. The final issue was the sunroof liner. The body shop still insisted it was a pre-existing condition. I contacted State Farm directly with my concern. They told me unless I had a photo of the liner intact before the accident, they would stand by the report of the body shop because the shop is on their preferred list. How absurd! My only request was that they send a State Farm representative to look at the sunroof. They would not comply, and I was told that if I need to change insurance companies, they would understand. As a result, I am now financially responsible for this outstanding repair to my vehicle. So, no I would not recommend State Farm as an insurance carrier. They were NOT “like a good neighbor.” They were NOT “there” for me as a customer. If you do select them, make sure you take a picture of your vehicle intact right before you anticipate an accident. Absurd!

Product: State Farm Car Insurance

Comment

dewanaha35
March 5, 2023 • @dewanaha35

I call a few weeks ago about my insurance premium, specifically wanting an explanation on why my premium went up? The rep for State Farm Hardy insurance Abilene, TX could only say " I dont know" to everything I said. And ended with .."everyone insurance has gone up". Poor customer service.

Product: State Farm Car Insurance

Comment

Mosaswikard
March 1, 2023 • @Mosaswikard

We own a condo in downtown San Diego. Our neighbor directly above our unit, in the top floor of our building, overflowed her bath tub for a continued period of time. The water came through our unit and continued water intrusion damages SIX floors down! We had interior wall damages, including mold, and have attempted to get State Farm as the insurance company for the unit above ours, to accept liability for the damages to our unit. They have denied liability. This is clearly negligence on the part of their insured. They are a worthless company and NOT a ‘good neighbor.’ We will now have to file a small claim suit against their insured once our repairs are completed.

Product: State Farm Home Insurance

Comment

Juan_david_p
February 25, 2023 • @Juan_david_p

Abusers, they charge for your car, two days later, after you cancel your policy they don't return your money. Gilma Escobar, Edison NJ

Product: State Farm Car Insurance

Comment

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State Farm Q&A(150 questions)

What rating does State Farm insurance have?

Upvotes

WalletHub

State Farm is rated 3.4 out of 5 by WalletHub's editors, based on factors such as customer reviews and watchdog-group ratings. For example, State Farm has a rating of 1.44 from he National Association of Insurance Commissioners (NAIC), meaning it has more customer complaints than the average insurer its size.

State Farm Insurance Ratings

WalletHub Editors: 3.4
A.M. Best: A++
J.D. Power: 4.2
NAIC: 1.44
BBB: A+
Standard & Poor's: AA
Moody's: Aa1
Average User Rating on WalletHub: 3.5/5

To learn more, check out WalletHub's complete State Farm car insurance review.

Are State Farm insurance rates competitive?

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WalletHub

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

Age	Average Annual Cost of Minimum Coverage
16	$1,803 per year
21	$1,007 per year
25	$845 per year
45	$718 per year
65	$559 per year

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.

Are customers happy with State Farm?

Upvotes

Catherine C Ford, Writer

Yes, customers are happy with State Farm. State Farm has an average user rating of 3.5/5 on WalletHub, and it's among the car insurance companies with the highest customer satisfaction according to WalletHub editors, J.D. Power, and the NAIC. State Farm also receives fewer customer complaints for personal auto policies than most large insurance companies.

Why Customers Are Happy With State Farm

State Farm is one of the top companies for customer satisfaction

State Farm is one of the top 5 car insurance companies for customer satisfaction, according to WalletHub's analysis, which reflects reviews from WalletHub editors, the NAIC complaint index, and J.D. Power customer satisfaction rankings.

State Farm doesn't receive many auto insurance complaints

According to the National Association of Insurance Commissioners (NAIC), State Farm has a complaint index of 1.18 for private auto insurance policies. This means the company gets fewer complaints from customers than the average insurer its size.

The Better Business Bureau and WalletHub give State Farm high ratings

State Farm currently has an A+ rating with the Better Business Bureau. Users on WalletHub give State Farm a rating of 3.5/5, on average. In addition, WalletHub's editors gave State Farm a rating of 4.1 out of 5 for their auto insurance policies.

State Farm has the largest market share for auto insurance

State Farm is the largest auto insurer in the U.S., with a market share of 16% in 2022. Being the largest auto insurance company with such a big market share indicates that State Farm gains and retains more customers than they lose by providing good service and competitive prices.

State Farm is one of the leading companies for homeowners and life insurance

State Farm is the biggest provider of home insurance policies, with about $22 billion in premiums written for homeowners insurance in 2022. According to the Insurance Information Institute, State Farm is also one of the top 10 companies for individual life insurance policies as of 2022. This demonstrates that consumers are happy to purchase a variety of insurance products from the company.

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

Does State Farm offer full coverage insurance?

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WalletHub

Yes, State Farm offers full coverage car insurance. Full coverage from State Farm typically includes at least a state's minimum required car insurance coverage along with collision and comprehensive insurance to protect the policyholder's vehicle.

Full coverage car insurance from State Farm costs $3,514 per year, on average, and is more expensive than a liability-only policy since it provides more coverage.

Cost of State Farm Full Coverage by Driver's Age

Driver	Annual Cost
16-year-old	$5,820 per year
22-year-old	$3,508 per year
45-year-old	$2,627 per year
65-year-old	$2,102 per year

Common State Farm Full Coverage Insurance Components

Liability insurance. Almost every state requires drivers to carry liability insurance, which includes property damage liability and bodily injury liability coverage. Liability insurance pays for others' expenses after an accident you are at fault for.

Collision and comprehensive insurance. Collision insurance covers the cost of fixing or replacing the policyholder's vehicle after an accident, regardless of who was at fault. Similarly, comprehensive insurance covers the policyholder's car if it's damaged by something besides an accident, like vandalism, a fire, or a natural disaster. Collision and comprehensive are not mandatory in any state, but they are usually required for leased and financed cars.

Uninsured/underinsured motorist coverage. This type of coverage protects you if you are involved in an accident with a driver who either does not have car insurance or does not have enough coverage. Uninsured/underinsured motorist insurance covers your expenses after an accident that should have been paid for by the at-fault driver's liability insurance. It will automatically be included in your full coverage policy if it is required in your state.

Personal injury protection/MedPay. Personal injury protection (PIP) insurance and MedPay coverage both cover medical expenses for you and your passengers after an accident, regardless of fault. Depending on your state, you may be required to carry one or the other.

Although these types of insurance are commonly included in a full coverage policy, what your specific policy includes will depend on your state. Full coverage is not the official name of any type of insurance, so be sure to clarify whether these types of insurance are included if you're purchasing a State Farm policy.

When You Should Consider Full Coverage From State Farm

A State Farm full coverage policy is a good choice for drivers who don't want to pay for vehicle repairs out of pocket. If you are leasing or financing your car, you may be required to get full coverage.

To get a quote from State Farm for a full coverage policy, you can call 1 (800) 782-8332. To learn more, check out WalletHub's guide to full coverage car insurance and our full review of State Farm.

Note: Rates are an approximation based on a driver with full coverage and a clean driving record in California. Actual rates will vary.

How much does insurance go up after an accident with State Farm?

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WalletHub

State Farm insurance rates go up by an average of 59% after an accident. Even though an accident will cause State Farm to raise your car insurance premium when you renew your policy, the added cost will only be temporary. An accident will usually affect your State Farm premium for just 3-5 years.

The exact amount that State Farm premiums go up after an accident depends on a few factors, including who was at fault, how much damage was caused, the policyholder's driving and claims history. In general, at-fault accidents or severe accidents that lead to expensive insurance claims increase rates more than minor or not-at-fault wrecks. Additionally, premiums increase more for drivers who have had previous accidents or moving violations.

To learn more, check out WalletHub's complete review of State Farm car insurance, as well as our guide to how much insurance goes up after an accident.

State Farm Contact

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