State Farm auto insurance review and ratings 2025
Barry Eitel
Barry Eitel is a content writer and journalist focused on insurance, small business and finance. He has researched and written about personal finance since 2012, with a special focus on entrepreneurship, freelancing and other small business operations. His writing on insurance and small business has been featured in 7x7, Brit + Co, Intuit Quickbooks, Bankrate, Policygenius and Lendio.
Laura Longero
Laura Longero
Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.
Why you can trust Insure.com
Quality Verified
At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.
Our take
State Farm is No. 4 among national carriers in our ranking of the Best Car Insurance Companies for 2025, with 4.35 stars out of 5.
Most State Farm customers report being highly satisfied with the company because of its claims handling, while 92% say they plan to stick with the insurer at renewal time. Customers also report liking the company’s policy offerings.
State Farm also received an A++ (Superior) credit rating for financial stability from AM Best.
Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.
How we weight our score
- Survey Score 40%
- AM Best Rating 25%
- Premiums 20%
- NAIC Complaint Index 15%
What is this rating?
AM Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.
The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions.
As of date:
For the latest Best's Credit Rating, access AM Best's website.
Pros and Cons
- Great for claims handling
- Excellent score for trustworthiness
- Highly ranked for policy offerings
- Doesn’t have the cheapest auto insurance rates
- Lower survey scores for discounts, home and auto bundling
How much State Farm costs
State Farm’s monthly rate of $165 is between Erie’s $123 monthly rate at the low end and Allstate’s $209 monthly rate at the high end. See other monthly premiums in the table below.
| Company | Monthly premium |
|---|---|
| Allstate | $209 |
| American Family | $142 |
| Amica | $185 |
| Auto-Owners | $129 |
| Erie | $123 |
| Farmers | $199 |
| GEICO | $147 |
| Nationwide | $129 |
| Progressive | $166 |
| State Farm | $165 |
| Travelers | $134 |
| USAA* | $115 |
*USAA is only available to military community members and their families.
QuickTake
How State Farm scores on customer satisfaction
When you ask State Farm customers about their satisfaction, 92% said they were happy with the company, one of the highest scores in the survey, along with Amica (97%) and GEICO (90%).
| Company | Percent of customers who are satisfied |
|---|---|
| State Farm | 92% |
| Allstate | 85% |
| Travelers | 78% |
How State Farm scores on ease of service
State Farm scored highly when customers were asked about its ease of service, with 93% of policyholders saying they were satisfied. This survey category gauges the ease with which customers can access policy documents and change a policy.
| Company | Percent of customers satisfied with the company’s ease of service |
|---|---|
| State Farm | 93% |
| Amica | 97% |
| Travelers | 88% |
How State Farm scores on policy offerings
When we asked customers to rate insurance companies based on policy offerings, 87% of State Farm’s customers said they were satisfied with the insurer’s policy offerings. Most companies’ scores were in the 80th percentile for policy offerings.
| Company | Percent of customers satisfied with the company’s policy offerings |
|---|---|
| State Farm | 87% |
| Amica | 93% |
| Liberty Mutual | 79% |
Would current customers recommend State Farm to others?
Survey respondents highly recommend State Farm. Of the dozen companies on Insure.com’s list, State Farm ranks behind Nationwide, Amica, and Erie when customers were asked if they would recommend the company to others.
| Company | Percent of customers who would recommend the company to others |
|---|---|
| State Farm | 91% |
| Nationwide | 96% |
| Amica | 93% |
How trustworthy is State Farm?
When customers were asked to rank insurance companies for trustworthiness, State Farm was again one of the top carriers in our survey, scoring 93%.
| Company | Percent of customers who say they trust the company |
|---|---|
| State Farm | 93% |
| Progressive | 91% |
| Travelers | 88% |
Do State Farm customers plan to renew?
A majority of State Farm customers (92%) who responded to the survey said they planned to renew. Most companies scored in the 90th percentile for renewal rates.
| Company | Percent of customers who plan to renew with the company |
|---|---|
| State Farm | 92% |
| Travelers | 97% |
| Farmers | 88% |
How State Farm scores on claims handling
When it comes to claims handling, State Farm ranked among the top five companies in this year’s survey. Most insurers scored in the 70th to 80th percentile for claims handling.
| Company | Percent of customers who are satisfied with the company’s claims handling |
|---|---|
| State Farm | 88% |
| Farmers | 94% |
| Progressive | 81% |
How State Farm scores on digital experience
For digital experience, including websites and apps, 83% of State Farm customers said they were happy with the company.
| Company | Percent of customers satisfied with the company’s digital experience |
|---|---|
| State Farm | 83% |
| Nationwide | 96% |
| American Family | 77% |
How State Farm scores for discounts
When customers were asked about discounts, State Farm was ranked near the middle, scoring 66%. The scores among companies for discounts greatly varied, from 52% for Travelers to 86% for Nationwide, the highest score.
| Company | Percent of customers satisfied with the company’s discounts |
|---|---|
| State Farm | 66% |
| Nationwide | 86% |
| Travelers | 52% |
How State Farm scores for bundling home and auto policies
Bundling home and auto was one of State Farm’s weakest categories.
| Company | Percent of Customers Satisfied |
|---|---|
| State Farm | 78% |
| Nationwide | 92% |
| Travelers | 70% |
State Farm vehicle insurance coverages
- Car
- Motorcycle
- Boat
- ATV and off-road
- RV and motorhome
- Travel trailer and camper
State Farm additional insurance policies
- Home
- Condo
- Renters
- Rental property
- Personal articles
- Manufactured homes
- Life
- Personal liability
- Health
- Disability
- Identity theft protection
- Pet medical
- Small business
State Farm car insurance coverage options
- Collision
- Comprehensive
- Liability
- Uninsured and underinsured motorist
- Medical payments
- Rideshare driver
- Emergency road service
- Car rental reimbursement
- Travel expense coverage
State Farm car insurance discounts
- Drive Safe & Save
- Steer Clear
- Bundle and save
- Defensive driving
- Good driver
- Pay in full
- Good student
- Driver training discount
- Student away from home
- Loyalty
- Low mileage
- Vehicle safety
- Anti-theft
- Passive restraint
* Discounts vary by state
States where State Farm offers coverage
| States where State Farm offers coverage |
|---|
| Alabama |
| Alaska |
| Arizona |
| Arkansas |
| California |
| Colorado |
| Connecticut |
| Delaware |
| Florida |
| Georgia |
| Hawaii |
| Idaho |
| Illinois |
| Indiana |
| Iowa |
| Kansas |
| Kentucky |
| Louisiana |
| Maine |
| Maryland |
| Massachusetts |
| Michigan |
| Minnesota |
| Mississippi |
| Missouri |
| Montana |
| Nebraska |
| Nevada |
| New Hampshire |
| New Jersey |
| New Mexico |
| New York |
| North Carolina |
| North Dakota |
| Ohio |
| Oklahoma |
| Oregon |
| Pennsylvania |
| Rhode Island |
| South Carolina |
| South Dakota |
| Tennessee |
| Texas |
| Utah |
| Vermont |
| Virginia |
| Washington |
| Washington D.C. |
| West Virginia |
| Wisconsin |
| Wyoming |
Company Background
Like a good neighbor, State Farm has been a supportive insurer across the United States for many years. Founded in 1922, it is now the country’s largest private car insurance company, with more than 19,000 agents in the U.S. and Canada.
State Farm offers many additional financial products, such as loans, banking and retirement accounts, investment accounts and estate planning.
Resources & Methodology
Methodology
In the fall of 2024, Insure.com surveyed more than 1,750 insurance consumers (1,199 people with auto insurance). Online market research company Slice MR conducted the survey. Respondents were asked to name their auto insurer and then grade it in the following categories:
- Customer satisfaction
- Ease of service
- Policy offerings
- Claims satisfaction
- Digital experience (website/app)
- Discounts offered
- Fair rate increases over time
- Insurance for young drivers/teenagers
- Insurance for college students
- Insurance for senior drivers
- Insurance for drivers with tickets or accidents
- Auto and home bundling
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
- I plan to renew with my current auto insurance company
- I would recommend my auto insurance company to others
- I trust my auto insurance company
The percentage of respondents who said yes is presented in the results.The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They also collected insurance rate data from Quadrant Information Services. With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For auto insurers, we took the following and gave each a weight.
- Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
- AM Best: 25% of total score
- Annual premium: 20% of total score
- NAIC: 15% of total score
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.
