Car Insurance

State Farm Auto Insurance Reviews And Ratings

Updated on
state farm
State Farm Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 87%
Who Plan to Renew 96%
AM Best Financial Strength Ratings A++

About State Farm Car Insurance Company

Customer service/Claims800-782-8332
Corporate HeadquartersState Farm Insurance
One State Farm Plaza
Bloomington, IL 61710

Best Auto Insurance Companies 2021: How State Farm compares

Best car insurance company overall

State Farm earned a top spot in our review of 2021’s Best Auto Insurance Companies. Top-notch claims handling and excellent customer service at affordable prices set State Farm auto insurance apart and secured their ranking as the Best Car Insurance Company Overall of 2021. 

We found State Farm to be among the lowest-cost options compared to other major providers for full coverage or liability-only policies. 

State Farm customers report affordable prices, great customer service and hassle-free claims processes. Ninety-six percent of State Farm customers who responded to our survey said they planned to renew their policies, a testament to customer satisfaction with State Farm’s overall value.

Gauging an insurance company

Before buying with a company it is wise to check on a company’s financial strength and complaint record. The A.M. Best rating listed above gives you an idea of State Farm’s financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median.

Company Background

Like a good neighbor

State Farm is a private company that has been handling insurance claims since 1922. During that time, it has grown to offer a myriad of additional financial products, such as loans, banking and retirement accounts, investment accounts and estate planning.

Did you know its well-known slogan, “Like a good neighbor, State Farm is there,” was written by singer/songwriter Barry Manilow in 1971?

Consider State Farm for in-person agents or the tech savvy

State Farm is the nation’s largest private passenger car insurance company in the U.S., with more than 19,000 agents serving its customers in communities across the U.S. and Canada. Odds are in your favor that you’ll have an agent available in your area ready to meet with you at your convenience.

Consider State Farm if you prefer having a brick-and-mortar location to visit with an actual agent in front of you. But don’t be fooled into thinking this approach is old-fashioned, the company also offers many services via mobile devices, as well as dedicated team to social media communication.   

Along with that social media team, State Farm uses not one, but six apps for mobile devices to connect with and empower customers. One aids in car shopping, another is specially geared toward drivers under 25, and a third helps you organize you next residential move. Customers who enjoy the resources and benefits found in the apps will appreciate the constant innovation that State Farm emphasizes.  

State Farm Car Insurance Coverages

  • Auto
  • Pay-as-you-drive plan: Safe & Save with In-Drive
  • Antique autos
  • Motorcycles
  • Boat
  • Off-road vehicles
  • Rideshare (in certain states)

State Farm Car Insurance Additional Policies

  • Homeowners
  • Condominium
  • Renters
  • Umbrella liability
  • Health
  • Long-term care
  • Disability

How likely customers would recommend this company?

46% I would definitely recommend this company
41% I would probably recommend this company
13% Neutral
0% I would probably not recommend this company
0% I would not recommend this company

Reasons for Buying

Customers of State Farm originally decided to purchase from the company for these reasons:
  • 30% Recommended by friend or family member
  • 20% Offered best price
  • 15% Was the company my parents had
  • 13% Reputation
  • 9% I had other insurance with this company
  • 8% Saw TV commercial
  • 4% Financial strength rating
  • 1% Saw online ad
  • 0% The company website and mobile apps are easy to use and helpful

Would you renew?

  • 96% Yes
  • 4% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 43%
  • Fairly satisfied / Fulfills my needs OK 31%
  • Average website and apps 17%
  • Very unsatisfied / digital offering is severely lacking 5%
  • Unsatisfied / website and/or apps are not fulfilling my needs 2%

How do you prefer to deal with insurer and policy?

  • In person 48%
  • Phone 22%
  • Email 3%
  • Interactive website 17%
  • Mobile App 10%

Customer Complaint Ratio

info

The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

State Farm’s customer complaint ratio for Private Passenger Auto insurance is 0.66
Coverage Options
Usage-based/Telematics Icon
Usage-based/Telematics
Rates can be based on your mileage and how you drive.
Mobile app Icon
Mobile app
The insurer offers an app for smartphones.
Discounts
Multi-policy Icon
Multi-policy
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle Icon
Multi-vehicle
Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving Icon
Driver training/Defensive driving
Discount for an approved defensive driving or driver improvement class.
Academic achievement Icon
Academic achievement
Discount for full-time students who meet certain academic criteria.
Passive -restraint (air bag) Icon
Passive -restraint (air bag)
Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver Icon
Safe driver/clean driving record/good driver
Discount for no accidents or traffic violations, usually for three or five years.

In which states is State Farm available?

Customer Reviews

Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:

Customer Reviews

359 Reviews. 4 Stars out of 5
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