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 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.
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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.
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.
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.
*USAA is only available to military community members and their families.
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%).
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.
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.
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.
When customers were asked to rank insurance companies for trustworthiness, State Farm was again one of the top carriers in our survey, scoring 93%.
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.
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.
For digital experience, including websites and apps, 83% of State Farm customers said they were happy with the company.
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.
Bundling home and auto was one of State Farm’s weakest categories.
* Discounts vary by state
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.
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:
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:
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.
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.