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 17, 2025
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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.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Apr 17, 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
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 | 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 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.
Your Guide to State Farm Auto Insurance Coverage
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: Required in almost every state, liability insurance covers the other driver’s injuries and property damage if you’re at fault in an accident. It includes bodily injury and property damage coverage.
- Medical Payment Coverage: Not required in most states, this covers medical or funeral expenses for you, your passengers, or family members after a car accident—regardless of who caused it. Examples include being hit while walking or getting hurt in a parking lot accident.
- Comprehensive Coverage: Like collision, comprehensive is usually optional unless you’re financing your car. It covers damage not caused by collisions, such as theft, vandalism, weather, or hitting an animal.
- Uninsured/Underinsured Motor Vehicle Coverage: This covers expenses if a driver hits you without enough insurance. It can include medical bills, vehicle damage, or lost wages. It is required in some states but optional in most.
- Car Rental and Travel Expenses: If your car is being repaired after an accident, State Farm may help pay for rental costs. They may also cover meals and lodging if you’re in an accident over 50 miles from home.
- Emergency Road Service: State Farm offers roadside assistance for breakdowns, including towing and emergency repairs.
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 these additional options may be worthwhile if you’re concerned about breakdowns, uninsured drivers, or frequent travel.
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 to do if they cannot afford their auto insurance to meet diverse needs.
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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 seatbelt 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 and group life insurance are popular and valuable benefits 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 your needed care. 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.
- Small State Farm Actively Participates in Plans: If you’re a small business owner, choose the right plan. Options like mutual funds, SEP IRAs, and Simple IRAs are available through State Farm Mutual Funds to support retirement planning for you and your employees.
- State Farm Business: A credit card for business owners provides an accompanying rewards program and an overview of optimizing benefits and savings for businesses.
Other Insurance Coverages at 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 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. Understanding the eight types of homeowners insurance policies is essential.
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 and 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 competitive and affordable rates.
With over 18,000 locations nationwide, contacting a local agent who lives and works in your community is easy. State Farm also enjoys an A.M. Best (a rating of financial stability) rating of A+,+ indicating superior financial stability.
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 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 can save them up to 15%.
Is State Farm a good option?
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Other State Farm auto insurance discounts may also be available depending on where you live, 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, 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 airbag) or an anti-theft device. If you have multiple cars insured by State Farm, you can get as much as 20 percent off!
State Farm provides substantial savings through multiple discounts, including safe driver, multi-policy, and vehicle safety discounts, making it a wise 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 the work of self-driving cars evolves, insurance coverage adapts to new risks. These ratings ensure State Farm can cover damages based on policy terms in an accident.
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State Farm Auto Insurance Business & 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: 0.84 Fewer Complaints Than Avg. |
 | Score: A++ Superior 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.
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; some can stack for lower rates.
- 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 when filing an auto insurance claim in the worst states.
- Challenging to Contact: Customers have complained about 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 a 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 buy 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. Whole vs. term life insurance: It ensures coverage continuity. If the insured is entirely turned off 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.
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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.
Suppose you ask, “Is it bad to cancel car insurance?” and have concerns about costs, coverage options, or policy changes. In that case, 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.
- Widespread Agent Network: With nearly 18,000 agents nationwide, support is accessible and localized.
- Attentive Service: Customers say agents regularly check in and offer support after significant life changes without being overly sales-driven.
- Product Variety: State Farm is the largest life insurer in the U.S. and offers various customizable policies.
- Community Knowledge: Local agents understand regional challenges and benefits, enhancing service relevance.
- Workplace Diversity: Recognized for promoting diversity within its workforce.
- Financial Stability: It holds an A++ rating from Best Insurance Reports.
- Farm Insurance: This offers specialized coverage for farms and equipment.
- Transparent Communication: Customers report timely updates, even after filing claims or policy changes.
- Competitive Pricing and Quick Claims: State Farm offers fair pricing, especially on auto insurance, with fast claim payouts and accessible service.
- Personalized Recommendations: Agents provide tailored coverage suggestions during life events like marriage or having a child.
- Strong Customer Relationships: Many feel their agents genuinely care, treat them respectfully, and answer questions thoroughly.
Luxury and Exotic Car Insurance – Everything you need to know about luxury and exotic car insurance, including location, driving history, and vehicle type, influences State Farm’s rates. It’s best to contact a local agent to get an accurate quote.
Weaknesses
Even strong companies have areas for improvement. These are some common concerns customers have with State Farm:
- Must Sign Up Through an Agent: You can’t buy a policy directly online; you can only do so through a local agent. While quotes are available online, discounts may not be as competitive in the long term.
- No Referrals to Other Insurers: If State Farm can’t cover you, they won’t suggest other providers.
- Claims Issues: Some customers report delays or denials in claims. Outcomes vary depending on the situation, but some cases may fall through the cracks.
- No Live Chat or Full Self-Service: You must contact your agent by email or phone. This can be slower than live chat or app-based support.
- Payment Problems: Missed payments may result in cancellation via email without a phone or text notice. Keep your payment information current to avoid this.
- Not-at-Fault Accident Handling: Some victims of hit-and-runs found their claims filed under collision instead of uninsured motorist coverage, affecting their risk status. Clarify the accident details with your agent right away.
- Limited Agent Availability: Due to local regulations or risks, there may not be State Farm agents in some areas.
- Agent Responsiveness: Some users say their agent was unresponsive. If that happens, another agent nearby may be more helpful.
Filing a Claim with State Farm: Accidents or Property Damage
Experiencing an accident or property damage can be overwhelming, but State Farm works to make the claims process as smooth as possible. Whether it’s a car accident, theft, or damage to your home, you can begin your claim in several convenient ways.
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
If possible, start by contacting your local State Farm agent. They can walk you through the process and answer any questions. If you don’t have your agent’s contact information, you can call 800-STATE-FARM (800-782-8332) to be connected with someone who can help.
State Farm offers multiple ways to report a claim:
- Call your agent or State Farm directly
- File online at statefarm.com
- Use the State Farm Pocket Agent® mobile app
The process is the same for vehicle damage, homeowner claims, or theft. Take steps to prevent further damage or injury, and report any injuries immediately. Collect the contact details of any witnesses. If you can’t afford auto insurance, ask your agent about adjusting coverage or finding discounts.
In severe situations like a stolen vehicle, contact the police before filing your claim with State Farm.
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 regarding coverage vary from state to state. An insured story is a reminder to review your 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 Florida’s premier liability insurance provider. State Farm Lloyds operates under the Lloyds Plan of Texas and underwrites homeowners and commercial multiple-peril insurance in that state.
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.
The company also offers rental car coverage and many policy add-ons, 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. Are you looking for affordable coverage? Use our quote tool to compare State Farm Insurance rates with other leading insurers and find the best deal.
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Frequently Asked Questions
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 for new car replacement with 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.
See how much you can save on your auto policy—enter your ZIP code to compare State Farm Insurance rates and find the best coverage for your budget.
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 with 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 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 in terms of 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.
How can I pay my State Farm insurance bill?
You can pay online using the key code from your paper bill—no account needed. For more features, set up an account on the State Farm website.
You can also pay:
- In person at a local agent’s office (credit card, check, or money order)
- By phone: 800-440-0998 (24/7)
- By mail: State Farm Insurance Companies Insurance Support Center – East P.O. Box 588002 North Metro, GA 30029
How many customers does State Farm have?
State Farm has over 82 million policies and accounts, supported by 18,000+ agents and 65,000+ employees.
- Customer support: 1-800-782-8332
- Spanish: 1-877-274-0543
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. Gain a deeper understanding through our “A Visual Guide to Auto Insurance.”
How much does State Farm raise rates after an accident or speeding ticket?
- One minor at-fault accident: $300–$600/year increase
- Injury-causing accident: $400–$800/year
- Two or more serious accidents in a year: $1,000+
- One speeding ticket: $100–$150/year
- Multiple tickets: $200–$1,000/year
Rates vary by state and company. Not all accidents result in a premium increase.
Does State Farm Insurance work in Canada or Mexico?
- Canada: Covered. Request a free “Canada Inter-province Insurance Card” from your agent.
- Mexico: U.S. insurance usually doesn’t apply. Consider temporary State Farm Mexico coverage for liability, legal aid, and emergency expenses.
For other countries, consult your agent.
What does State Farm comprehensive insurance cover?
Covers non-collision damage like weather, fire, theft, vandalism, and animal strikes. Subject to deductible. Higher deductibles lower your premium but increase out-of-pocket costs. Obtain a more nuanced perspective with our “Comprehensive Guide.”
What does State Farm’s personal articles policy cover?
It covers high-value personal items that are not fully covered under homeowner/renter policies. Examples:
- Jewelry
- Fine art
- Musical instruments
- Cameras
- Collectibles
- Medical devices
Coverage applies worldwide (with some limits for art).
What is a State Farm umbrella policy?
A Personal Liability Umbrella Policy (PLUP) offers extra liability protection beyond auto or home insurance.
- Starts at $1 million coverage
- Covers defamation, slander, and lawsuits
- Helps if you’re liable for injury or property damage exceeding regular policy limits
Does State Farm offer GAP insurance?
No, but it offers Payoff Protector® for State Farm Bank auto loans. If your car is totaled or stolen, it covers the loan balance not paid by your auto policy. Not an insurance product. Get the full story by checking out our “Expert Guide To Different Loans.”
Does State Farm use credit scores?
Yes, in part. State Farm considers credit-based factors, driving records, and other data to assess risk and determine premiums.
How user-friendly is State Farm’s mobile app?
State Farm offers several apps:
- Pocket Agent®: View ID cards, file claims, find agents
- Drive Safe & Save™: Tracks driving for discounts
- Steer Clear®: Rewards safe driving (for drivers under 25)
- CarCapture®: Get info and quotes by photographing cars
Apps are available for iOS and Android.
What is State Farm’s financial strength?
These ratings reflect strong financial stability and claims-paying ability.
- A++ rating from A.M. Best
- AA from S&P Global Ratings
Does State Farm cover rental cars?
Yes, with Car Rental and Travel Expenses coverage. It reimburses you for rental costs when your vehicle is being repaired. Your policy may extend to rentals, but optional rental agency insurance can offer extra protection. Unlock additional information in our “Best Travel Insurance Companies.”
How can I contact a State Farm agent?
Use the Pocket Agent® app or the State Farm website to find local agents. You can filter by service and get a free quote online.
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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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