State Farm Car Insurance: 2024 Review
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State Farm
Discounts
Ease of use
NAIC complaints
State Farm
Discounts
Ease of use
NAIC complaints
Key insights 💡
State Farm is a stand-out when it comes to ease of use thanks to its user-friendly website and top-rated mobile app. It also offers a breadth of coverage and discount options.
However, State Farm is not available everywhere: the company doesn't sell policies in Massachusetts and Rhode Island.
State Farm's average cost of full coverage is $2,205 per year, compared to the national annual average of $2,165.
State Farm earned 5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
State Farm is the largest private passenger auto insurer, but it offers a wide variety of other insurance and financial products, sold exclusively by State Farm agents. If you’re looking for a well-known brand name with a generous selection of products and consumer-friendly pricing, State Farm might be right for you.
Why trust NerdWallet
Where State Farm car insurance stands out
Customer support. State Farm had fewer than the expected number of complaints when compared to other companies of the same size.
Ease of use. If you're looking for a seamless online experience, you would do well to consider State Farm. The company lets you make payments, plus start and track claims online. It also lets you manage your policy through its app, which is rated highly by both Apple and Google Play.
Where State Farm car insurance falls short
State availability. Although State Farm sells policies in most states, it doesn't sell new policies in Massachusetts and Rhode Island.
Compare to other insurers
Current Product
|  |  |
|---|---|---|
NerdWallet rating 5.0 /5 | NerdWallet rating 4.5 /5 | NerdWallet rating 4.5 /5 |
Complaints to NAIC Fewer than expected | Complaints to NAIC Close to expected | Complaints to NAIC Close to expected |
Ease of use Above average | Ease of use Above average | Ease of use Above average |
Discounts Average set of discounts | Discounts Great set of discounts | Discounts Great set of discounts |
Bottom line With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors. | Bottom line Progressive offers a variety of discounts and insurance products to cater to most people, though there’s room for improvement when it comes to customer satisfaction. | Bottom line With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance. |
How much does State Farm car insurance cost?
State Farm car insurance costs an average of $2,205 per year for full coverage, compared to the national average of $2,165. These rates are according to NerdWallet’s November 2024 analysis.
| Company | Full coverage | Minimum coverage |
|---|---|---|
| Allstate | $2,825 | $719 |
| American Family | $1,996 | $663 |
| Farmers | $3,730 | $1,213 |
| Geico | $1,967 | $485 |
| Nationwide | $2,602 | $864 |
| Progressive | $2,074 | $601 |
| State Farm | $2,205 | $498 |
| Travelers | $1,657 | $544 |
| USAA* | $1,397 | $370 |
*USAA is only available to military, veterans and their families.
These rates are for a 35-year-old driver with a clean driving history and good credit with full coverage insurance. The rates we cite for full coverage include liability, comprehensive, collision and any additional insurance a state requires a driver to have. Your own price will depend on your driving history, car make and model, location and other factors.
For more information on State Farm car insurance rates, including rates after an at-fault accident or DUI, check out the table below.
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Read our cheap car insurance article to see average minimum car insurance rates by company and state.
How State Farm's rates compare
In most states, your car insurance rate is determined by a variety of factors, including your driving record and credit history. California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.
» MORE: Why is my car insurance so high?
Here are State Farm’s average annual auto insurance rates for different coverage types and driving histories compared to national averages, according to NerdWallet’s November 2024 analysis. Rates are for full coverage car insurance unless otherwise specified.
| Driver profile | Company average rate | National average rate |
|---|---|---|
| Minimum coverage | $498 | $596 |
| Full coverage | $2,205 | $2,165 |
| One speeding ticket, good credit | $2,528 | $2,724 |
| One at-fault crash, good credit | $2,785 | $3,195 |
| One DUI, good credit | $3,278 | $3,977 |
| Clean driving record, poor credit | $8,334 | $3,551 |
Here is the average cost of State Farm full coverage by age compared to 2024 national averages.
| Age | State Farm median rate | National median rate |
|---|---|---|
| 20 | $4,947 | $4,403 |
| 30 | $2,258 | $2,228 |
| 35 | $2,205 | $2,165 |
| 40 | $2,179 | $2,100 |
| 50 | $2,094 | $1,955 |
| 60 | $1,937 | $1,885 |
| 70 | $2,018 | $2,015 |
State Farm car insurance coverage
When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
State Farm’s rental car and travel expenses coverage is superior to what’s offered by its competitors. Not only does State Farm auto insurance pay for a rental car if yours is in the shop due to an issue covered by your collision or comprehensive coverage, but it also pays for meals, lodging and transportation if you’re stranded more than 50 miles from home. Coverage limits apply and vary by state, and you need to have comprehensive or collision coverage to opt in.
The Steer Clear Driver Program is a driver training refresher course available online, through an agent or via mobile app. State Farm offers savings for drivers under age 25 who complete the course and have had no at-fault accidents or moving violations within the past three years.
Rideshare insurance: If you drive for a company such as Uber or Lyft, this option allows you to have one policy that covers both personal and ridesharing use. This option is not available in all states.
Do you know the different types of car insurance? Reading State Farm insurance reviews won’t be much help if you’re not familiar with the types of car insurance and the coverage you need. Use the tool below to clear up any doubts.
» MORE: Compare car insurance rates
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Auto insurance discounts
Depending on your state, you may be able to save on auto insurance by:
Remaining accident-free for a specified period of time.
Taking a driver safety course.
Being a student (or having one on your policy) who stores their vehicle at home while away at school.
Meeting State Farm's standards for a good driver.
Meeting State Farm's standards for a good student.
Having certain safety features in your car.
Installing an anti-theft device.
Having a factory-installed air bag or other passive restraint device in your older-model vehicle.
Insuring multiple vehicles with State Farm.
Buying multiple policies from State Farm (bundling).
Paying for your policy in full.
First time shopping for auto insurance? Unsure where to start? Check out our guide on how to shop for car insurance.
Pricing based on tracked driving habits
State Farm offers a usage-based program called Drive Safe & Save. This program calculates discounts based on your mileage and “safe driving” measurements such as smooth acceleration and braking. It also considers risk factors such as speed and time of day. You’ll get up to a 30% discount once State Farm has analyzed your driving behavior. Availability and discounts may vary.
Is State Farm a good insurance company?
State Farm received an overall satisfaction score of 79 out of 100 by a pool of its customers in a NerdWallet survey conducted online in June and July 2024. To put that in perspective, the average score among seven insurers was 79, and the highest was 81.
Complaints and customer satisfaction
State Farm had fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
State Farm's customer satisfaction rating is above average in J.D. Power's 2024 auto insurance shopping and auto insurance claims satisfaction studies .
J.D. Power study | State Farm ranking |
|---|---|
Auto Insurance Shopping (2024) | No. 4 out of 17 companies. |
Auto Insurance Claims Satisfaction (2024) | No. 6 out of 21 companies. |
More about State Farm insurance
Website: State Farm’s website is intuitive, easy to navigate and loaded with useful information. You can get a quote online, find a nearby agent or manage a claim.
Mobile app: State Farm’s customer app lets you view your insurance card and policy information, contact your agent, submit a claim online and view a claim status.
State Farm also has mobile apps for two of its auto insurance programs: the Steer Clear program for drivers under 25 and the Drive Safe & Save program that tracks driving behavior.
State Farm insurance reviews: Life, homeowners, renters and pet insurance
State Farm offers home and renters insurance in every state except Massachusetts, Rhode Island and California. It is also available in Washington, D.C. To learn more about the coverage options available, read our State Farm homeowners insurance review and State Farm renters insurance review.
State Farm also offers term, whole and universal life insurance. To read about these products, see our State Farm life insurance review.
In addition, State Farm offers pet insurance through Trupanion. Read more with our State Farm pet insurance review.
Other insurance from State Farm
State Farm offers a variety of other types of insurance, including:
Condo insurance.
Identity theft insurance.
Motorcycle insurance
Boat insurance.
Farm and ranch insurance.
Off-road vehicle insurance.
Manufactured home insurance.
Commercial auto insurance.
Business insurance.
Landlord insurance.
RV insurance.
Car insurance quick-start guide
Read more car insurance guides from NerdWallet to find the best car insurance for you.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
2025 auto insurance survey methodology
The opt-in survey of 7,503 U.S. adults ages 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2024. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy within the past 12 months, with at least some changes to the original policy. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.
Only brands with 100 or more qualifying respondents are reported. Of those respondents: 300 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were Geico customers, 100 were USAA customers, 157 were AAA customers, 100 were Liberty Mutual customers, 100 were American Family customers, 100 were Farmers customers, 100 were Travelers customers and 101 were Nationwide customers.
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