State Farm auto insurance review 2026: Compare rates, discounts and satisfaction ratings. State Farm is No. 6 among national carriers in our ranking of the Best Car Insurance Companies for 2026, with 3.91 stars out of 5.
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.
Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.
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.
State Farm is No. 6 overall among national carriers in our ranking of the 2026 Best Car Insurance Companies with 3.91 stars out of 5.
State Farm remains a top choice for auto insurance in 2026, thanks to its competitive pricing and high customer satisfaction ratings in claims and renewals. We survey auto insurance customers every year, and State Farm is an industry heavyweight in our survey.
In 2026, it scores highly for how easily customers can access their policy documents and services, excellent customer service and the company’s expansive policy offerings. State Farm’s stellar reputation and financial strength help it stand out among the best-rated insurers.
Insure.com surveyed 2,000 auto insurance customers, who rated their insurers on service quality, claims handling, policy options, discounts, digital tools and bundling. Scores were combined with AM Best financial strength ratings, NAIC complaint data and premium rate data from Quadrant Information Services to produce each insurer’s final rating.
State Farm is a good choice for you if:
It might not be the best choice if:
Our agents make it hassle-free to get the right quote.
State Farm offers auto insurance at an average monthly premium of $239, 17% lower than the national average. However, it’s $50 more expensive than GEICO each month. Progressive is also cheaper at $223 per month.
Eighty-four percent of State Farm customers said they were happy with the company, which was comparable to other large insurers like Allstate, GEICO and Progressive. This year’s score was eight points lower than last year’s survey score for customer satisfaction.
State Farm scored highly when customers were asked about the ease of its service, with 88% of policyholders reporting satisfaction. However, this score was five points lower than last year’s. This survey category gauges the ease with which customers can access policy documents and change a policy.
When we asked customers to rate insurance companies based on policy offerings, 83% of State Farm’s customers said they were satisfied with the insurer’s policy offerings. Most companies’ scores were in the 80th percentile in this category.
Survey respondents highly recommend State Farm. Eighty-nine percent would recommend State Farm to friends and family, placing it among the top five insurers for customer loyalty.
Ninety-one percent of customers report trusting State Farm; most insurers scored in the 80th or 90th percentile in this category. State Farm’s score could be due to its longevity and strong brand presence.
A majority of State Farm customers (93%) who responded to the survey said they planned to renew their policies with the company.
When it comes to claims handling, State Farm scored 80%, which was only two points lower than the top national carrier, Travelers, at 82%. Most companies scored in the 70s or 80s in this category, so State Farm was one of the higher scorers.
For digital experience, which measures how people feel about a company’s website and app, State Farm clocked a 79%, which was a lower score than many of its competitors.
Discounts, typically a category where State Farm performs well, garnered only a score of 61% in this year’s survey; however, bundling auto insurance with home insurance was ranked higher at 78%.
State Farm offers a variety of auto insurance coverages to help protect you, your car, and your finances when the unexpected happens. From basic liability to additional protection, such as roadside assistance and rental reimbursement, you can choose what fits your life.
What it covers: Pays for bodily injury and property damage you cause to others in an accident you’re legally responsible for.
What it doesn’t: It doesn’t cover your own medical bills or damage to your own vehicle.
What it covers: Pays to repair or replace your car if it’s damaged in a collision with another vehicle or object, regardless of fault.
What it doesn’t: It doesn’t cover injuries, damage you cause to others’ property or non-collision losses like theft or hail.
What it covers: Helps pay for damage to your car from non-collision events like theft, vandalism, fire, weather, falling objects or hitting an animal.
What it doesn’t: It doesn’t cover collision damage, normal wear and tear or mechanical breakdowns.
What it covers: Helps pay for injuries to you and your passengers if you’re hit by a driver with no insurance or not enough insurance.
What it doesn’t: It doesn’t apply if you’re at fault or when the other driver’s insurance is sufficient to cover the loss.
What it covers: Helps pay medical and funeral expenses for you and your passengers after an accident, no matter who’s at fault.
What it doesn’t: It doesn’t cover vehicle repairs, lost wages or costs beyond the coverage limit.
What it covers: Optional endorsement that extends your personal auto policy when you have the rideshare app on but have not yet accepted a ride; provides liability and medical coverage throughout the process.
What it doesn’t: It doesn’t replace the rideshare company’s own coverage or apply when you’re using your car for regular personal driving outside your policy terms.
What it covers: Offers emergency road service coverage, helping pay for everyday expenses like towing or a tire change if your vehicle breaks down.
What it doesn’t: Does not cover towing past the nearest facility or labor lasting more than one hour.
What it covers: Pays daily rental charges when your car can’t be driven after a covered loss, and if the incident happened over 50 miles away from home, reimburses up to $500 for travel and commercial transportation expenses.
What it doesn’t
State Farm offers a variety of car insurance discounts that can help you save, including good driver and good student savings, as well as multi-car and bundling discounts. However, not all the discounts are available in every state; savings also vary based on your driving profile.
State Farm says that switching could result in an average savings of $694 by qualifying for one or more of the following discounts.
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Note: Availability may vary.
Founded in 1922, State Farm is the largest auto insurer in the U.S. with over 80 million policies and accounts in force. Known for its nationwide agent network and personalized service.
Contact State Farm at 1-800-782-8332 or file a claim online here.
Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on customer satisfaction, ease of service, policy options, claims handling, digital experience, discounts and bundling home with auto. We also asked whether they planned to renew, would recommend their insurer to friends and family and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., we applied the following weights to calculate each company’s final rating:
Each insurer received a rating between 0.5 and 5 stars.