The Ultimate Guide to State Farm Insurance

When it comes to choosing an insurance provider, it's hard to know who can give you the coverage you need at a price you can afford. State Farm is one of America's largest insurance companies, but is it the right one for you? That's where this guide comes in. From info about their rates and services, to expert reviews and ratings from real customers, this is the ultimate guide to State Farm insurance. It's everything you need to know about State Farm, all in one place.

Average Star Rating for State Farm: /5

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Company Overview

State Farm is ranked as one of the four largest insurance providers in the U.S. Founded in 1922 by George Jacob Mecherle - who was a retired farmer and insurance salesman - State Farm has grown to be No. 34 on the Fortune 500 list and maintains an A++ on the A.M. Best Rating Services list.

Like other big-name providers, State Farm began its early days by exclusively providing auto insurance, and today has expanded its offerings to include nearly 100 products and services, including home, property, health, and life insurance. State Farm now handles approximately 35,000 claims every day through more than 18,000 different agency offices across the country. It also offers 24/7 customer support in addition to competitive rates and discounts.

State Farm's Services

  • Homeowners Insurance and Renters Insurance
  • Auto Insurance
  • Life Insurance
  • Other unique offerings including:
    • Disability
    • Long-Term Care
    • Identity Theft Insurance

State Farm Car Insurance

State Farm is currently the largest provider of auto insurance in the U.S., and with more than 18,000 agents across the world and easy access to 24-hour service, the company likely has a service and price point that will work for you.

Collision

Collision coverage is one of the types of car insurance options you may not necessarily 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 acknowledges on its website that you 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 things like theft, falling objects, or natural disasters and storms (such as flooding, hail, and fire).

Car Rental and Travel Expenses Coverage

This is one particular area where State Farm shines. If your car ends up out of commission because of an accident or damage that's covered by your comprehensive or collision insurance, State Farm will help cover the cost of a rental car to get you around until the repairs on your vehicle are complete. And if you have an accident in a rental car, State Farm's coverage will pay up to $500 of the deductible to get it repaired.

If you find yourself stranded due to an accident more than 50 miles from where you live, State Farm also offers travel expenses coverage to help pay for meals and lodging until you can get home.

Liability

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.

Comprehensive

Like collision coverage, comprehensive isn't something you're required to add onto your premium unless you're still making payments on your car. Comprehensive works to fill in the gaps left behind by collision coverage, and State Farm's comprehensive coverage promises to repair or replace a vehicle that's been damaged by basically anything except an accident with another vehicle or object (such as a tree or building) or a rollover. Theft, vandalism, an animal-related accident, and weather damage are all covered.

Uninsured 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 pay for expected 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.

Emergency Road Service

State Farm offers emergency roadside assistance to help you when your car breaks down. If your vehicle becomes disabled, you can request that State Farm pay for emergency services needed, including:

Medical Payments Coverage

This is another coverage option that many states don't require. Medical payments coverage is designed to help pay the cost of medical (or funeral) expenses if a person covered by your policy - yourself, a passenger, or a member of your family - is hurt in a car accident, regardless of who is responsible. Some examples from State Farm of this coverage include:

  • "You're hurt when you accidentally hit another car while driving through a parking lot."
  • "Your spouse is injured when she's hit by a car while walking across the street."
  • "One of your passengers complains of neck pain after the car you're driving is rear-ended by another vehicle."

State Farm Discounts

State Farm's Drive Safe & Save

State Farm offers the ability to enroll in its Drive Safe & Save program, and it'll use information from your smartphone or your car's OnStar or SYNC communication service to help calculate your discount. Like Progressive's Snapshot program, Drive Safe and Save reviews (and savings you might earn) vary.

Accident-Free Discount

If you're lucky enough to have been insured by State Farm for three consecutive years without an accident, you may qualify for a discount that will grow each year you remain accident-free. 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 with no accidents or moving violations.

Good Student and Student Away at School Discounts

If you're insuring teenagers or young adults - which, let's face it, can be expensive - they may qualify for a discount based on their grades through college graduation (up to age 25).

Students under the age of 25 who move away for school and only drive their cars while home during school holidays and vacations may also qualify for additional discounts.

Driver Training Discount

This is another way to help lessen the strain of insuring young drivers on your policy. If your child is under the age of 21 and has completed an approved driver education course, they may get a discount.

Safe Vehicle Discounts

State Farm offers a series of discounts you may qualify for depending on the safety features of your vehicle:

  • If your vehicle was made in 1994 or later, you may be eligible to save up to 40 percent on medical-related coverage.

  • If your vehicle was made in 1993 or later with factory-installed air bags or other passive restraint systems, you can save up to 40 percent on medical-related coverage.
  • You can receive an additional discount if you have an alarm or other approved anti-theft device installed in your vehicle.

Loyal Customer Discounts

As with nearly every major provider, State Farm offers additional discounts when you bundle other services with your auto insurance policy.

  • Insure multiple cars, save big. If you have two or more vehicles in your household insured by State Farm (and owned by family members), you can save as much as 20 percent.

  • Multiple line discounts. If you enroll in some of State Farm's other offerings - homeowners insurance, life insurance, renters insurance, etc. - in addition to car insurance, you could save as much as 17 percent.

Ratings and Financial Strength

  • State Farm is currently listed as No. 34 on the Fortune 500 list, and it has an excellent financial rating.

  • It's rated an A++ on the A.M. Best Rating Services list, the highest rating possible, and an AA, according to Standard & Poor's, another high rating that indicates strong claims paying ability by State Farm.

In the event of an accident, these ratings should give customers peace of mind that State Farm will be able to provide the necessary capital to both parties depending on the extent of the damage and level of coverage.

Pros and Cons of State Farm

Pros

Financial Strength Rating

State Farm has an incredible financial strength rating, which means its customers don't have to worry about having their claims covered (as long as they qualify). The company also offers a competitive series of discounts that don't have the same limitations as some competitors, and discount offers on certain products can stack to give you the best possible rates.

Mobile Application

Its state-of-the-art mobile application also helps it stand out from its competitors. There's almost nothing you can't do on State Farm's Pocket Agent application, which helps answer some of the criticism related to connecting with an agent in person or over the phone. You can even use the app to find a local agent if you're interested in signing up for service.

Online Quotes

You can also apply for an online quote here for State Farm's services, which means you don't have to bother with an in-person agent (yet) to see how much you might save by switching to State Farm. Visit Quote.com to explore insurance options, read customer reviews, and see what experts have to say about State Farm.

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 with a seemingly uneducated or uninformed State Farm agent.

Claim Denial

Our research discovered that customers have expressed concerns about potentially getting their claim denied after an accident.

Difficult to Contact

Customers have complained about the difficulty in getting a State Farm representative on the phone to discuss policy and claims.

Frequently Asked Questions

Does State Farm have an insurance app?

Yes, State Farm has an app called Pocket Agent that's available from the Apple and Google Play app stores. It allows you to view your insurance ID card, submit a claim or view a claim status, pay your bill, call roadside assistance, or contact a local agent.

Does State Farm cover a rental car?

Yes, State Farm offers rental car coverage as a part of its collision and comprehensive auto insurance. As long as your accident is covered under your policy, the cost of your rental car may be covered as well.

Where can I get a quote for State Farm's auto insurance?

Visit Quote.com for a free quote to see what State Farm - or many other auto insurance providers - might cost you specifically.

What discounts does State Farm offer?

State Farm has a number of discounts you may be able to stack to help reduce the cost of your auto policy. From good driver discounts to bundling options, there's a little bit of something for everyone. Read more about State Farm's discounts here.

Does State Farm offer car rental discounts in addition to those offered after an accident?

No, State Farm does not offer any additional discounts or incentives when renting a car.

Which payment methods does State Farm accept?

State Farm supports a variety of different payment methods, including in person with an agent, by mail or phone, through its website, or on its mobile app.

Is there an online insurance locator?

Yes, use this site to find a local State Farm agent anywhere in America. You can even search by insurance type if you're looking to find someone who offers some of State Farm's more unique services.

How do I contact State Farm's customer service?

State Farm has a variety of ways to contact its customer service:

  • 800-STATE-FARM for 24-hour claims support for new and existing customers
  • 877-627-5757 for 24-hour emergency road service
  • 800-440-0998 for 24-hour insurance payments
Can I make online payments?

Yes, you can make payments online through State Farm's website or its Pocket Agent application on your smart device.

Does State Farm have an after-hours number?

Yes. 1-800-STATE-FARM is available 24 hours a day. During business hours, your call will be routed to your nearest agent, and your call will be directed to a Customer Care Center representative after business hours and on weekends.

What does State Farm's comprehensive insurance cover?

State Farm's comprehensive coverage includes the cost to repair or replace a covered vehicle that's been damaged by something other than a car accident. This can include theft, vandalism, an animal-related accident, or severe weather.

How does no-fault insurance work?

Currently, 12 states across the U.S. and Puerto Rico have true no-fault insurance laws. Essentially, this means regardless of who might be considered "at-fault," drivers recover losses from their insurance provider rather than from another driver's provider. These states include Florida, Michigan, New Jersey, New York, Pennsylvania, Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota, and Utah.

Does State Farm offer services in Canada?

Yes, State Farm offers many of its primary services in Canada, which are underwritten by Certas Home and Auto Insurance Company.

What is the claims process with State Farm like?

You should notify your insurance agent immediately after an accident. You can do this by calling 1-800-STATE-FARM, visiting State Farm online, or through the Pocket Agent app on a smart device. You can check the status of a claim through all three of these methods as well.

Does State Farm offer temporary car insurance?

Yes, State Farm collision coverage extends beyond your primary vehicle to include temporary substitute cars, newly acquired cars, and cars that are used but not owned by anyone in your household.

Does State Farm offer non-owner car insurance?

Yes, State Farm offers non-owner car insurance for commercial policyholders. If your employees drive their own vehicles for business, you may want to consider employers non-owned car liability coverage (ENOL) as a way to ensure both you and your business are protected in the event of an accident.

Is there a payment grace period with State Farm?

Yes, State Farm does offer a grace period if you're struggling to pay your policy on time. Call your local agent to determine what grace period is permitted under your state and policy regulations.

Experts Review State Farm

 
 

Customers Review State Farm

Average Star Rating for State Farm: /5

Overall, how well does State Farm meet your car insurance needs?

How satisfied are you with the rates you are paying?

How satisfied are you with State Farm's speed in response to claims?

How satisfied are you with State Farm's customer service?

We Analyzed Customer Reviews of State Farm

Word Cloud of Customer Reviews

state farm wordcloud

Top 5 Positive Themes of State Farm Customer Reviews

  • Easy Access/Good Customer Service
    35
    35%
  • Reliable/Feel Safe Knowing I Am Protected
    32
    32%
  • Good Price
    7
    7%
  • Fast Service
    3
    3%
  • Good/Comprehensive Coverage
    2
    2%

Top 5 Negative Themes of State Farm Customer Reviews

  • Too Expensive
    68
    68%
  • Takes Too Long To Resolve A Claim
    4
    4%
  • Being Required To Have Insurance
    3
    3%
  • Bad Accessibility
    2
    2%
  • Bad Customer Service
    2
    2%

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