State Farm Auto Insurance Review for 2025 (See Rates & Discounts Here)
Our State Farm Auto Insurance Review finds affordable rates starting at $47 per month, comprehensive coverage options, and valuable policy discounts for safe drivers and multi-policy holders. Policyholders can also add rental car reimbursement for extra financial protection after an accident.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 2, 2025
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UPDATED: Apr 2, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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18,154 reviewsCompany Facts
Monthly Rate
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviewsState Farm auto insurance offers affordable rates and reliable claims support. Minimum coverage starts at $47 per month, and discounts are available for safe driving and bundling.
State Farm provides roadside assistance but lacks some accident forgiveness features. Drivers can easily access digital ID cards for proof of insurance.
State Farm Auto Insurance Rating| Rating Criteria |  |
|---|---|
| Overall Score Rating | 4.3 |
| Business Reviews | 5.0 |
| Claim Processing | 4.3 |
| Company Reputation | 4.5 |
| Coverage Availability | 5.0 |
| Coverage Value | 4.3 |
| Customer Satisfaction | 2.1 |
| Digital Experience | 4.5 |
| Discounts Available | 5.0 |
| Insurance Cost | 4.0 |
| Plan Personalization | 4.5 |
| Policy Options | 3.8 |
| Savings Potential | 4.4 |
Its aggressive rates make it a strong option for high-mileage drivers looking for the cheapest car insurance, but those with previous claims may find better service elsewhere.
Compare rates and get multiple insurance quotes before choosing a policy.
- Minimum coverage starts at $47 per month, offering affordable rates
- Instant proof of insurance is available through the State Farm mobile app
- Save with multi-policy bundling and discounts for safe driving habits
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State Farm Auto Insurance Monthly Rates by Age, Gender, and Driving Record
Knowing how your age, gender, and driving record affect your premiums allows you to make an estimate. Younger drivers, particularly males, generally incur more due to higher risk. A male with minimum coverage who is 16 years old costs $208 per month, but a male who is 45 years old pays only $47. Women pay slightly less, with a female who is 30 years old paying $51 for minimum coverage.
State Farm Auto Insurance Monthly Rates by Age, Gender, & Coverage Level| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $177 | $444 |
| 16-Year-Old Male | $208 | $498 |
| 18-Year-Old Female | $144 | $327 |
| 18-Year-Old Male | $178 | $405 |
| 25-Year-Old Female | $55 | $144 |
| 25-Year-Old Male | $60 | $158 |
| 30-Year-Old Female | $51 | $133 |
| 30-Year-Old Male | $56 | $147 |
| 45-Year-Old Female | $47 | $123 |
| 45-Year-Old Male | $47 | $123 |
| 60-Year-Old Female | $43 | $108 |
| 60-Year-Old Male | $43 | $108 |
| 65-Year-Old Female | $47 | $120 |
| 65-Year-Old Male | $47 | $120 |
Older drivers typically pay lower insurance premiums because they are considered a lower risk. Complete coverage is costly, with a 16-year-old male costing almost $500 a month compared to a 45-year-old male costing $123.
Safe drivers enjoy the lowest premiums. State Farm provides minimum coverage for safe drivers at a minimum of $47 a month, while one violation can raise rates. A DUI driver pays much more, with minimum coverage rising to $65 monthly.
A ticket or accident can increase monthly premiums by $20, while a DUI causes the most significant hike. Traffic collision reconstruction helps determine fault, but maintaining a clean driving record is the best way to keep insurance rates low with State Farm.
Understanding State Farm: Coverage, Subsidiaries, and Benefits
Finding a suitable insurance carrier can be intimidating with all those choices. Should you use State Farm Insurance, Geico, or Allstate? Although all these carriers sell similar coverage plans, you must consider which of the three works for you.
This handbook is a detailed profile of State Farm, a premier insurer of automobiles, property, and life insurance in the U.S. and Canada. Apart from its insurance products, State Farm provides an attractive benefits program that supplements the employee experience through time-off benefits to facilitate work-life balance.
State Farm runs several subsidiaries that each provide distinct insurance and financial products:
- State Farm Life Insurance provides various life insurance policies, including term, whole, and universal life insurance.
- State Farm County Mutual Insurance Company of Texas specializes in auto insurance for Texas motorists.
- State Farm VP Management Corp oversees investment products, allowing policyholders to build portfolios.
- State Farm Mutual Automobile Insurance Company is the leading auto coverage provider with a vast network and a good claims record.
- State Farm Innovation Group spearheads technology innovation and customer-centric solutions for the firm.
- State Farm Indemnity Company provides liability insurance solutions to safeguard motorists against financial losses.
- State Farm General Insurance Company provides property and casualty insurance coverage to homeowners, renters, and companies.
- State Farm Investment Services offers financial planning, investment counseling, and retirement solutions to customers.
With its large group of subsidiaries, State Farm reinforces its services and dedication to clients by offering comprehensive protection and financial assistance, including options for those wondering what they should do if they cannot afford their auto insurance to meet diverse needs.
State Farm Insurance Overview
State Farm was founded in 1922 by George Jacob “G.J.” Mecherle, a retired farmer and insurance salesman. Macherle’s idea was simple: Do business reasonably and do the right thing for customers.
Although State Farm was originally a single-line insurance company, it now offers nearly 100 different products and services and is a title insurance company.
They are also heavily involved in their local communities, particularly in advocating seat belt laws and the teen-drive products and services that State Farm offers.
State Farm offers products and services, including:
- Business life insurance – Helping businesses prevent financial hardship due to losing an employee or other leadership.
- Disability income insurance—If you become completely disabled due to an illness, disability coinsurance steps in to help pay bills and offer personal resources.
- Group life insurance—Life insurance for employees, group life insurance—is a popular and valuable benefit for your workforce.
- Individual health insurance – If you do not qualify for group insurance, State Farm Mutual Funds offers to receive health insurance for major medical networks.
- Long-term care insurance – If you become chronically ill and can no longer care for yourself—This card will help you pay for the care you would need. Term care insurance helps pay for in-home or sought-after care while protecting your assets and retirement income and preserving your estate. In the U.S., long-term care health insurance for the self-employed may also be a federal income tax deduction.
- SmallState Farm actively participates in plans – If you’re a small business owner, choose the right kind. This plan can be daunting. Do you select mutual funds? SEP IRA? Simple IRA? A wide range of plans and investment options are available through State Farm Mutual Funds to help make retirement plans. It is even easier for you and your employees.
- State Farm business—A credit card for business owners provides an accompanying rewards program, which provides an overview for businesses on optimizing benefits and savings.
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Most Sought-After Products for State Farm
State Farm is best known for its property and auto insurance, though its comprehensive life insurance and investment products are also gaining popularity.
State Farm actively participates in local communities through sponsorship and educational programs. It has over 18,000 local agents and also offers insurance for motorcycles, boats, and off-road vehicles.
State Farm Insurance
State Farm’s property insurance covers more than just homeowners. It is also available for condominium unit owners and renters, manufactured homes, and farm/ranch coverage.
Homeowner’s insurance, the most popular of State Farm’s property insurance services, may cover your usual property losses due to things like:
- Inclement weather – Storms, fire, wind, hail, lightning, freezing, snow/sleet, or the weight of ice
- Theft, van you should aircraft and vehicle damage to your property
- Sudden/accidental loss due to water from plumbing, tearing, supposer bulging of heating or cooling systems, and artificially generated. In that case, electrical currents
Every individual policy varies, so if you receive a quote from State Farm for your property, you’ll want to check your specific insurance policy to determine what is covered in your unique case.
Homeowner’s Insurance
Homeowners insurance coverage explained states that standard policies do not cover intentional damage, business activities, professional services, motor vehicles, or watercraft, making it essential to review your policy for specific exclusions.
Suppose you want to get a quote for State Farm property insurance. In that case, you’ll want to personally assess the value of your property and everything in it—something you can easily do, however, unlike a home inventory, which catalogs items of value or assets you own or have collected.
Condominium Insurance
If you own a condominium, insurance is required to help cover any parts of your unit that landlords will not cover by your condo association’s insurance, which can include your personal property.
Depending on your condo association’s policy, you may need additional coverage for your building, unit, and any improvements, which is important to consider when understanding the eight types of homeowners insurance policies.
Much like homeowner insurance, condominium insurance covers typical property damage, including lightning, windstorm or hail damage, freezing of the plumbing system, and hail. However, unlike homeowners insurance, many of the same items are not covered under a condominium insurance policy.
Renter’s Insurance
Even if your loan rates are low, they don’t cover your personal belongings, which is why many lenders require renter’s insurance. The best renters insurance companies provide coverage similar to homeowners insurance, protecting items like bikes, computers, and furniture, as well as losses from fire, storms, theft, vandalism, and vehicle damage.
With homeowner’s insurance, you are covered for worldwide damage to property that you caused or the ownership/operation/maintenance of aircraft, motor vehicles, and some watercraft. It does not include business pursuits or professional services. Individuals who elect to get State Farm homeowner’s insurance find that rates are generally very competitive and affordable.
With over 18,000 locations nationwide, it’s easy to contact a local agent who lives and works in your community. State Farm also enjoys an A.M. Best (a rating of financial stability) rating of A+,+ indicating superior financial stability.
State Farm Auto Insurance
State Farm is currently the largest auto insurance provider in the U.S., with a network of 2,000 agents worldwide, easy payment options, and 24-hour service; the company’s service and price point will work for you.
There are many different types of car insurance, including:
- Liability coverage – Unlike collision or comprehensive coverage, liability is required in almost every state. Additionally, while some elements of your auto insurance policy are designed to protect you and your vehicle, liability is all about the other driver. Liability comes in two forms – bodily injury and property damage. If you’re ever considered at fault for an accident, liability will kick in to cover the damage incurred by the other party.
- Medical payment coverage is another coverage option that many states don’t require. Medical payment coverage is designed to help pay medical (or funeral) expenses if a person covered by your policy – yourself, a passenger, or a family member – is hurt in a car accident, regardless of who is responsible. Some examples of this coverage, as per State Farm, include: “You’re hurt when you accidentally hit another car while driving through a parking lot,” “Your spouse when she’s hit by a car while walking across the street,” and “One of your passengers complains of neck pain after the car you’re driving is rear-ended by cohesion coverage – Collision coverage is one of the types of car insurance options yExtensivecessarily need to sign up for. If you own your car outright, collision coverage isn’t required by any state in the U.S. State Farm, even acknowledged, should compare the value of your vehicle to the cost of collision coverage to determine if it’s right for you or ask a State Farm agent to help you decide. Like collision coverage with most other providers, State Farm’s collision service does not cover theft, falling objects, or natural disasters and storms (such as flooding, hail, and fire).
- Comprehensive coverage – Like collision coverage, comprehensive isn’t required to add to your premium unless you’re still making payments on your car—comprehensive works to fill in the gaps left behind by collision coverage. State Farm’s comprehensive coverage promises to repair or replace a vehicle damaged by anything except a Suppecident with another car or object (such as a tree or building) or a rollover. Theft, vandalism, animal-related accidents, and. In that case, weather damage is all covered.
- Uninsured/Underinsured motor vehicle coverage – If you’re hit by someone illegally driving without liability coverage, State Farm’s uninsured (and underinsured) auto insurance coverage can help repair expenses like medical bills, damage to your vehicle, or any necessary time away from work. While uninsured and underinsured coverage is only required in a few states, adding this coverage can help alleviate the burden of potential hardships.
- Car rental and travel expenses – This area is where State Farm shines. Suppose your car is out of commission because of an accident or damage when comprehensive or collision insurance is available. In that case, State customers often find that arm will help cover the cost of rental options when repairs on their vehicle are complete. And if you have an accident in a rental car, State Farm’s coverage will pay up toin00 of the deductible to repair it. If you find yourself stranded due to an accident more than 50 miles from your home, State Farm also offers expense coverage to help pay for meals and lodging until you can get home.
- Emergency road service—State Farm offers emergency roadside assistance when your car breaks down. If your vehicle becomes disabled, you can request that State Farm pay for the emergency services needed.
Understanding how to compare auto insurance companies helps customers choose the best coverage options when deciding between carriers. You’ll want to check your local and state requirements, but if you’re concerned about breakdowns, uninsured drivers, or frequent travel, these additional options may be worthwhile.
Available Discounts for State Farm Auto Insurance
State Farm has insured your car (or the one it replaced) through the customer. For example, the Drive Safe & Save™ program is an app that connects your vehicle’s existing OnStar®® communication (or your smartphone) to calculate a discount.
There’s also the Steer Clear® program, specifically for new drivers or drivers under 25 who have not had any at-fault accidents or moving violations within the past three years. Drivers who meet these conditions could qualify for the Steer Clear discount, which could save them up to 15%.
Is State Farm a good option?
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Depending on where you live, other State Farm auto insurance discounts may also be available, including the Accident-Free discount. This discount applies if State Farm has insured your car (or the one it replaced) for at least three continuous years without a chargeable accident.
The discount ma. It will accrue over time as you continue to have coverage with State Farm and have no chargeable accidents. Even if you’re new to State Farm, you may still qualify for the Good Driving Discount if you went three years with your previous insurer and had no accidents or moving violations.
There’s also the Defensive Driving Course discount, which, depending on where you live, may qualify you for a discount if you take the discount course. If you have a student in your household who has moved away to school and only uses the car at home and during school vacations and holidays, you may qualify for the Student-Away-at-School discount.
Good driving, Good student, and Vehicle Safety discounts may also be available. You’ll also want to ask about discounts if your vehicle has a passive restraint device (like a factory-installed air bag) or an anti-theft device. If you have multiple cars insured by State Farm, caning—as much as 20 percent!
State Farm provides substantial savings through multiple discounts, including safe driver, multi-policy, and vehicle safety discounts, making it a smart choice for cost-conscious drivers.
Brad Larson Licensed Insurance Agent
Or suppose you have a home, owners, renters, condo, or life insurance with State Farm in addition to vehicle coverage. In that case, you may qualify for a multiple auto discount or multiple line discounts accordingly—up to 17 percent Financial Strength.
State Farm’s auto insurance ranks No. 34 on the Fortune 500 list and holds an A++ rating from A.M. Best and an AA rating from Standard & Poor’s, reflecting strong financial stability. As how self-driving cars work evolves, insurance coverage adapts to new risks. In an accident, these ratings ensure State Farm can cover damages based on policy terms.
State Farm Auto Insurance Ratings & Consumer Reviews
Industry ratings and consumer opinions reflect State Farm’s reputation. State Farm has high satisfaction ratings, good consumer reviews, and an excellent complaint ratio, making it a trusted choice for most drivers.
State Farm Auto Insurance Ratings & Consumer Reviews| Agency | |
|---|---|
 | Score: 710 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 75/100 Positive Customer Feedback |
 | Score: 0.78 Fewer Complaints Than Avg. |
 | Score: B Fair Financial Strength |
State Farm’s J.D. Power rating of 710 demonstrates higher-than-average customer satisfaction, with customers noting competitive rates and good claims handling. The A+ BBB rating demonstrates solid business ethics, while a 0.78 NAIC complaint ratio shows fewer complaints than the industry average.
However, its B rating from A.M. Best indicates that although it is financially sound, its strength is not at the highest level in the industry, similar to how fire engine performance varies based on design and capability, as explained in how fire engines work.
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Pros and Cons of State Farm Insurance
Pros
- Financial Strength Rating: State Farm has strong financial ratings, ensuring claims are covered if eligible. It offers competitive discounts with fewer restrictions, and some can stack for lower rates.s.
- Mobile Application: State Farm’s mobile app stands out by allowing users to manage policies, file claims, and locate agents.
- Online Quotes: Apply for a State Farm quote online without needing an in-person agent. Visit Quote.com to compare insurance options, read reviews, and check expert insights.
Cons
- Low Consumer Report Score: According to Consumer Reports reviews, State Farm scores two out of five stars with over 2,500 reviews.
- Uneducated Agents: Some consumers complain about discussing policy options and signing uneducated or united Farm agents.
- Claim Denial: Our research found that customers worry about claim denials after an accident, especially in the worst states for filing an auto insurance claim.
- Difficult to Contact: Customers have complained about the difficulty of getting a State Farm representative on the phone to discuss policy and claims.
State Farm Life Insurance
There are many different types of life insurance available—including ones that have cash value and others that are a hybrid of popular options—:
- Term Life – a simple and affordable coverage plan for short-term needs. Cash value covers the “Return of Premium Term,” where you can review an insurance policy even after signing up and canceling if you don’t want it.
- Whole Life—As the name implies, this type of coverage is lifetime coverage and gives access to cash value (tax-deferred). It may also be eligible to earn dividends. However, this is not guaranteed due to the volatility of the market. For example, a 25-year-old woman in excellent health who lives in Illinois pays just $78.13/month ($898 per year) for up to $100,000 worth of coverage. Premium payments are limited to 10, 15, or 20 years.
- Universal Life—This type of insurance provides permanent yet flexible coverage and builds cash value. It covers a family’s loss of income, mortgage costs, and educational needs.
Depending on your state, your life insurance may also provide your survivors with a fixed death benefit to cover your final expenses. Death benefits are generally passed on income-tax-free to your beneficiaries.
Generally speaking, premiums on limited payment life insurance are paid for a set number of years, but the benefits extend throughout your lifetime.
In cases where dividends are earned, they can be used to purchase paid-up additional insurance, reduce future premiums, or be payable in cash. The sooner you purchase your life insurance policy, the lower your premiums will typically be.
Customizing a Life Insurance Policy
With State Farm, you also have the option to customize your policy with additional options and riders, including:
- Waiver of Premium for Disability –This option helps maintain your life insurance policy if income is limited due to disability. In whole vs. term life insurance, it ensures coverage continuity. If the insured is fully disabled at 60 for six months, it covers future premiums while the disability lasts. Restrictions apply based on age, ending at 65 unless the disability starts earlier.
- Guaranteed Insurability—Can you or insurability? You certainly can with this additional option. This allows you to buy extra insurance on specific dates without needing a medical exam. Only specific ages are available, and the following options are available when you marry or become a parent.
- Payor insurance—If you buy a child’s insurance policy and become disabled (subject to the policy definitions), this rider waives premiums for a specific time frame. This rider remains in effect until the insured child turns 25.
Canceling Your State Farm Insurance
If you should ever need to cancel your State Farm Insurance, you’ll need to speak with your local agent, who may also ask you to make a written request.
If you’re asking, “Is it bad to cancel car insurance?” and have concerns about costs, coverage options, or policy changes, a check agent can help you explore available discounts and alternatives that fit your needs. Specific restrictions may apply based on when a disability occurs and typically end at age 65 unless the disability happens earlier.
State Farm Insurance Pros and Cons
When considering insurance from a company such as State Farm, which offers so many different products and services, it’s understandable that you’d want to know the pros and cons of choosing them as an insurance company.
Strengths
State Farm truly shines in its service. With nearly 18,000 agents across the country, there’s likely one or more close to where you live, so it’s easy to get responses and helpful service when needed.
- Attentiveness – Many of their customers report that their agents are very attentive – checking periodically to see if everything is okay and if they need to change their insurance after certain life events. But this kind of “checking in” shouldn’t be construed to be a sales pitch. Many people with State Far—eel their agents are genuinely coir well-being.
- Size and Variety of Products—State Farm is the largest life insurance company in the U.S. and has a product to choose from – many of which are customizable based on—today and in the future.
- Community-based—State Farm agents live and work in the same communities as their customers, making it easy for them to understand the unique challenges and benefits of living in certain areas.
- Diversity in the Workplace – State Farm has won awards for recognizing diversity as valued and essential.
- A++ Rating by Best Insurance Reports – State Farm has achieved a rating with Best Insurance Reports for its financial stability.
- Farm Insurance – As the name implies— State Farm also provides farm insurance for various machinery and assets used by and on farms.
- Notified About Upcoming Changes—Often, people with State Farm have multiple lines of insurance with them, such as car insurance and life insurance. Even in cases where there have been accidents, they report that State Farm has been prompt and informative about any upcoming changes.
- Competitive Pricing and Prompt Issuance on Claims—Prices are competitive, particularly on auto insurance. In the event of a claim, State Farm is well-known for distributing payments to those affected quickly. With so many agents, many people report being able to get the help and coverage they need quickly—along with personal assurance. That is a high achievement bar to reach, but one that State Farm does well.
- Recommendations Based on Life Events and Lifestyle – Customers report that State Farm is beneficial in recommending the right kind and amount of insurance – even after certain life events (getting married, having a child) where one would need more or different changes to their existing insurance. This helps give customers better peace of mind and security.
- Like Family – Customers say that their State Farm agent treats them “like family” and gets to know them personally by ensuring they have everything they need regarding coverage. They feel welcomed and never feel like they’re intruding on an agent’s time. They think the agent takes the time to understand their needs and answer all their questions.
The real question everyone has regarding insurance is how much it costs. Everything you need to know about luxury and exotic car insurance includes factors like location, driving history, and vehicle type, all of which influence State Farm insurance rates. Since costs vary, it’s best to get a customized quote from a local agent.
Weaknesses
Even the best companies have some drawbacks that can give you pause. These reviews offer an unbiased look at the areas where people feel State Farm could improve.
- Can Only Sign Up Through an Agent – While State Farm offers numerous auto insurance discounts, other savings are less than expected, particularly in the long term. Because all policy sign-up options go through local agents, you cannot directly sign up for a policy online (although you can get a no-obligation quote).
- No Recommendations to Other Companies—If State Farm cannot offer you insurance, they will not recommend another company that may better suit your needs.
- Concerns about Claims – As with any insurance company, some customers have voiced concerns about claims not going through. As much of this processing varies depending on the case and scenario, some issues may slip through the cracks.
- No Live Chat Support or Self-Service Support – If you like the do-it-yourself nature of live chat, you’ll find that sending an email to your local agent may be a bit more time-consuming than you’d like. However, this also ensures that your case is given the personal attention and care it deserves.
- Issues with Payments Going Through – Some people report that if a payment to State Farm doesn’t go through, their insurance is canceled via email (no text message or phone call). This experience seems to vary from person to person and agency to agency, so ensure that your payment information is always up to date when you pay for State Farm insurance.
- Concerns about Not-at-Fault Accidents – This varies from case to case, as each one is unique, but some drivers – particularly those who have been the victims of hit-and-run accidents, filed claims with State Farm presumably to fall under the uninsured/underinsured driver clause, to find out that it is filed under collision instead, which can put the victim in an “at-risk” category despite the accident not being their fault. Be sure to be clear. You should contact your agent directly with your agent about what happened following the actual scenario of events.
- No Agents in Your Community? – State Farm does not operate in states where regulations or catastrophes can affect their service.
- Agent Attentiveness – Some reviews complain about the attentiveness of agents, but this varies from community to community. If one agent seems too busy to give you the answers you need, you can likely find another one nearby.
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How to File a State Farm Insurance Claim
Having an accident or damage to your property can be stressful, but State Farm strives to simplify the claims process. A visual guide to auto insurance can help you navigate the steps, but in the event of an accident, it’s best to contact your agent directly—though not everyone has their agent’s information readily available.
You should call State Farm directly at 800-STATE-FARM (800 782 8332) in those cases. With auto insurance claims, you can contact your agent, but you can also report a claim online or use State Farm’s Pocket Agent® app—homeowner’s insurance claims follow the same process.
In either case, take reasonable steps to prevent further damage or safety risks. If there are injuries, report them immediately to your agent and obtain/the addresses of any witnesses, such as in the case of an accident.
Reporting an Accident or Damage to State Farm Insurance
You’ll want to speak with your local agent immediately, whether it’s a vehicle accident or property damage.
State Farm Insurance streamlines accident and damage reporting with a user-friendly claims process, 24/7 support, and fast claim resolution.
Michelle Robbins Licensed Insurance Agent
You can call State Farm directly at 800 State Farm to be connected to an agent who will take the time to gather the details about your claim and assist you in taking whatever necessary steps you’ll need to file your claim.
If you cannot afford your auto insurance, consider adjusting your coverage or exploring discounts. If your vehicle is stolen, contact the police and your agent. You can also use State Farm’s free Pocket Agent® app to guide you through the process.
Products and Services Offered by State Farm Insurance Vary by State
Each state has its requirements and regulations to help protect its citizens, and with this in mind, State Farm offers a wide range of products (over 100) to suit these specific requirements.
Although the products and services are similar, policies vary from state to state regarding coverage. An insured story serves as a reminder to review your specific policy and consult your local agent with any questions.
For example, State Farm Guaranty Insurance Company is licensed to do business in New Jersey. At the same time, State Farm Florida Insurance Company is the premier provider of liability insurance in Florida. State Farm Lloyds operates under the Lloyds Plan of Texas and underwrites homeowners and commercial multiple-peril insurance in that state.
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Common Questions About State Farm Auto Insurance
When choosing an insurance company, it’s common to have many questions.
From service and coverage to paying your bill, we’ve compiled the most common questions about State Farm Insurance in one place.
How can I pay for my State Farm insurance payments?
How many customers does State Farm Insurance have?
How much does State Farm Insurance increase after an accident and/or speeding ticket?
What does comprehensive insurance cover with State Farm?
Does my State Farm Insurance cover a rental car?
What about State Farm Canada insurance or State Farm Mexico insurance?
Does State Farm offer GAP insurance?
What does State Farm’s articles policy cover?
What is State Farm’s umbrella insurance policy?
Does State Farm Insurance use credit scores?
How user-friendly is State Farm’s phone app?
What are State Farm’s financial strengths?
How do I get in touch with a State Farm agent?
Getting a quote on State Farm auto insurance and connecting with a local agent in your area are the first steps you should take to fully evaluate this comprehensive insurance on your own.
To find an agent near you, you can use the smartphone Pocket Agent® app or the State Farm website.
You can even filter your search by State Farm products/services offered.
Many insurance companies, like State Farm, offer competitive quotes to help you select the best products and services for your needs, lifestyle, and budget.
We encourage you to get a free, no-obligation quote to start the process and learn more about which insurance company is right for you.
In-Depth Analysis of State Farm Auto Insurance Coverage and Benefits
State Farm continues to be a driver’s first choice because of its low rates, wide range of coverage options, and high customer satisfaction. Policyholders receive competitive discounts, such as safe driving bonuses and bundling discounts, and it is an attractive option for budget-conscious drivers.
Rental car coverage and many policy add-ons are also available from the company, offering flexibility for multiple purposes. Although its claims process and customer service are rated highly, some customers report issues with claims resolutions, including instances where car insurance claims were denied. State Farm also offers a range of investment and financial services, along with auto insurance, through its subsidiaries
It has an extensive network of agents and digital platforms across the country. When deciding coverage, drivers should compare quotes to see if State Farm fits their needs. Looking for affordable coverage? Use our quote tool to compare State Farm Insurance rates with other leading insurers and find the best deal.
Frequently Asked Questions
Does U.S. car insurance in Canada State Farm cover driving across the border?
State Farm auto insurance typically extends coverage to Canada, but policyholders should confirm specific details with their agent.
How do I get a State Farm full coverage quote, and what’s included?
You can request a quote online, by phone, or through an agent, including liability, collision, and comprehensive coverage, similar to the process outlined in State Farm home insurance reviews.
Does State Farm extend to a new car purchase, and for how long?
Yes, State Farm provides automatic coverage for a new car for 14 days, depending on your policy. Keep your State Farm car insurance card handy, and check new car replacement State Farm for added protection. See our ultimate guide on the best time to buy a new car for smart
How long will State Farm pay for a rental car during repairs?
If you have rental reimbursement coverage, State Farm pays for a car up to the daily and maximum policy limits.
Does State Farm offer travel insurance, and what’s covered?
State Farm does not offer traditional travel insurance, but its policies may cover rental cars and roadside assistance while traveling, as noted in many State Farm car insurance reviews.
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Does my insurance cover a rental car with State Farm, or do I need extra coverage?
Your policy may extend to a rental car through car rental coverage State Farm, but additional protection is available. If you’re exploring options, getting an auto insurance State Farm quote can help you find the best coverage. Additionally, it’s important to assess how much homeowners insurance you need to ensure adequate protection for your home.
Can I add a driver to my State Farm policy at no cost?
Adding a driver may be free if they live in your household, but rates may change based on their driving history.
What’s the State Farm gap insurance cost, and when is it needed?
State Farm does not offer traditional gap insurance but provides Payoff Protector for auto loans through State Farm Bank.
How does 21st Century vs. State Farm compare on rates and coverage?
State Farm generally offers broader coverage and discounts, making it a strong choice for those seeking a State Farm auto insurance quote, while 21st Century Insurance Review highlights its lower rates but fewer policy options. Additionally, car rental with State Farm Insurance is available through rental reimbursement coverage, providing added convenience during vehicle repairs.
Does State Farm cover in Canada, and what are the limits?
State Farm covers Canada’s policyholders with the same U.S. policy limits, but verifying coverage details is recommended.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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