State Farm home insurance ratings and review 2026

State Farm is the No. 4 homeowners insurance company for 2026, with an overall score of 4.12 stars out of 5. It earned the top score among national carriers for customer satisfaction and for bundling insurance.

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Written by Leslie Kasperowicz
Leslie Kasperowicz
Leslie Kasperowicz

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.

 |  Reviewed by quality verifiedScott Nyerges
Scott Nyerges
Scott Nyerges

Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.

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Our take: State Farm home insurance

State Farm is the No. 4 company in our 2026 Best Home Insurance Companies ranking, earning its place thanks to a top rating for customer satisfaction and highly-rated bundling.

  • State Farm’s rates come in just below the national average, meaning customers can get affordable coverage from the nation’s largest insurer.
  • Solid ratings across the board kept State Farm in the top five this year, although it dropped by a couple of spots on our list. Complaints with the NAIC are up this year, and the company saw a drop in its AM Best rating, which affected its overall score. The drop shouldn’t concern customers, however, as it’s still a very high score.
  • State Farm remains a solid choice for home insurance, and customers have rated it highly for bundling, which suggests it’s a good place to get your auto insurance as well.

Below is our review of State Farm.  It’s based on the results of our survey, average rates and third-party metrics, including the NAIC customer complaint index and AM Best financial ratings. Find the full methodology here.

4
State Farm
4.12 Insure.com Score
Average Premium
$2,448
Customer Survey
NAIC
AM Best Rating
A+
Effective date:
Pros and cons
Pros:
  • Affordable rates: Below-average home insurance rates
  • High customer satisfaction: Top-rated among national carriers
  • Great for bundling: Customers were highly satisfied with auto/home bundles
Cons:
  • Captive agents: You must work with a State Farm agent
  • Not available in California: State Farm isn’t writing new policies in California

Who should buy State Farm home insurance?

State Farm is a good choice for you if:

  • You want to find a balance between affordable rates and great customer service
  • You prefer to work with an agent who works directly for the insurer and provides personal service
  • You want to work with a big, national carrier offering a solid reputation

It might not be the best choice if:

  • You’re looking for a new homeowners insurance policy in California
  • Finding the cheapest rate is your top priority

State Farm home insurance cost: Coverage and competitor comparison

State Farm’s average homeowners insurance rate is just below the national average ($2,543) at $2,448 a year.

  • A State Farm policy costs about $1,000 more annually, on average, than the cheapest national carrier (Amica, $1,510)
  • State Farm homeowners insurance is cheaper than Farmers ($2,820) and Progressive ($4,227)
  • Some regional carriers, like CSAA ($1,496), are considerably cheaper, while others, like American Family ($2,759), are more expensive

Compare State Farm’s rates with those of its competitors at various coverage levels below to see how its rates might compare for your home.

CompanyCoverage levelAverage annual premium
Allstate$200,000 with a $1,000 deductible and $300,000 liability$1,717
Allstate$300,000 with a $1,000 deductible and $300,000 liability$2,049
Allstate$400,000 with a $1,000 deductible and $300,000 liability$2,384
Allstate$600,000 with a $1,000 deductible and $300,000 liability$3,110
Allstate$1,000,000 with a $2,500 deductible and $300,000 liability$4,356
American Family$200,000 with a $1,000 deductible and $300,000 liability$2,076
American Family$300,000 with a $1,000 deductible and $300,000 liability$2,759
American Family$400,000 with a $1,000 deductible and $300,000 liability$3,473
American Family$600,000 with a $1,000 deductible and $300,000 liability$4,867
American Family$1,000,000 with a $2,500 deductible and $300,000 liability$6,825
Amica$200,000 with a $1,000 deductible and $300,000 liability$1,123
Amica$300,000 with a $1,000 deductible and $300,000 liability$1,510
Amica$400,000 with a $1,000 deductible and $300,000 liability$1,803
Amica$600,000 with a $1,000 deductible and $300,000 liability$2,401
Amica$1,000,000 with a $2,500 deductible and $300,000 liability$3,296
Auto Club Enterprises (AAA)$200,000 with a $1,000 deductible and $300,000 liability$906
Auto Club Enterprises (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,335
Auto Club Enterprises (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,765
Auto Club Enterprises (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,687
Auto Club Enterprises (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$4,253
Auto Club Group – ACG (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,503
Auto Club Group – ACG (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,888
Auto Club Group – ACG (AAA)$400,000 with a $1,000 deductible and $300,000 liability$2,519
Auto Club Group – ACG (AAA)$600,000 with a $1,000 deductible and $300,000 liability$3,785
Auto Club Group – ACG (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$5,513
Auto-Owners$200,000 with a $1,000 deductible and $300,000 liability$2,249
Auto-Owners$300,000 with a $1,000 deductible and $300,000 liability$2,840
Auto-Owners$400,000 with a $1,000 deductible and $300,000 liability$3,466
Auto-Owners$600,000 with a $1,000 deductible and $300,000 liability$4,642
Auto-Owners$1,000,000 with a $2,500 deductible and $300,000 liability$6,819
CSAA Insurance (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,068
CSAA Insurance (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,496
CSAA Insurance (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,891
CSAA Insurance (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,618
CSAA Insurance (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$3,332
Erie Insurance$200,000 with a $1,000 deductible and $300,000 liability$1,888
Erie Insurance$300,000 with a $1,000 deductible and $300,000 liability$2,783
Erie Insurance$400,000 with a $1,000 deductible and $300,000 liability$3,526
Erie Insurance$600,000 with a $1,000 deductible and $300,000 liability$4,927
Erie Insurance$1,000,000 with a $2,500 deductible and $300,000 liability$6,743
Farmers$200,000 with a $1,000 deductible and $300,000 liability$2,032
Farmers$300,000 with a $1,000 deductible and $300,000 liability$2,820
Farmers$400,000 with a $1,000 deductible and $300,000 liability$3,667
Farmers$600,000 with a $1,000 deductible and $300,000 liability$5,377
Farmers$1,000,000 with a $2,500 deductible and $300,000 liability$8,048
Nationwide$200,000 with a $1,000 deductible and $300,000 liability$2,219
Nationwide$300,000 with a $1,000 deductible and $300,000 liability$2,983
Nationwide$400,000 with a $1,000 deductible and $300,000 liability$3,752
Nationwide$600,000 with a $1,000 deductible and $300,000 liability$5,342
Nationwide$1,000,000 with a $2,500 deductible and $300,000 liability$7,761
Progressive$200,000 with a $1,000 deductible and $300,000 liability$3,421
Progressive$300,000 with a $1,000 deductible and $300,000 liability$4,227
Progressive$400,000 with a $1,000 deductible and $300,000 liability$4,951
Progressive$600,000 with a $1,000 deductible and $300,000 liability$6,624
Progressive$1,000,000 with a $2,500 deductible and $300,000 liability$8,699
State Farm$200,000 with a $1,000 deductible and $300,000 liability$1,915
State Farm$300,000 with a $1,000 deductible and $300,000 liability$2,448
State Farm$400,000 with a $1,000 deductible and $300,000 liability$2,926
State Farm$600,000 with a $1,000 deductible and $300,000 liability$3,913
State Farm$1,000,000 with a $2,500 deductible and $300,000 liability$5,297
Travelers$200,000 with a $1,000 deductible and $300,000 liability$1,771
Travelers$300,000 with a $1,000 deductible and $300,000 liability$2,235
Travelers$400,000 with a $1,000 deductible and $300,000 liability$2,708
Travelers$600,000 with a $1,000 deductible and $300,000 liability$3,754
Travelers$1,000,000 with a $2,500 deductible and $300,000 liability$5,658
USAA*$200,000 with a $1,000 deductible and $300,000 liability$1,798
USAA*$300,000 with a $1,000 deductible and $300,000 liability$2,401
USAA*$400,000 with a $1,000 deductible and $300,000 liability$2,939
USAA*$600,000 with a $1,000 deductible and $300,000 liability$3,957
USAA*$1,000,000 with a $2,500 deductible and $300,000 liability$5,433
*USAA is only available to military community members and their families.
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How State Farm scores for customer satisfaction, ease of service, policy offerings and claims

State Farm ranked well in all four of our main customer service categories. It was the top-rated company in the customer service category among national carriers at 85%. Customers gave it a score of 92% for ease of service, and 86% were satisfied with policy offerings.

State Farm’s claims handling score was a little lower than the other categories at 79%, five points behind the top-ranked national carrier, Nationwide (85%).

State Farm scored similarly to the second-largest home insurer, Allstate, in all four categories, although Allstate ranked better for claims handling and policy offerings.

CompanyCustomer satisfactionEase of servicePolicy offeringsClaims handling
State Farm85%92%86%79%
Allstate81%89%88%82%
Progressive76%79%77%65%
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How State Farm scores on customer recommendations, trust and renewals

State Farm performed well on the three big questions we asked survey respondents about their insurance company:

  • Would you recommend your insurer to others?
  • Do you trust your insurer?
  • Do you plan to renew with your insurer?

Most State Farm customers (90%) report that they trust the company, and 90% plan to renew their policy. State Farm customers would recommend the company at a rate of 87%. 

Allstate ranked better in all three areas with the best results of any national carrier.

CompanyRecommendedTrustworthiness
Renewals
State Farm87%90%90%
Farmers88%90%93%
Allstate89%91%95%
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How State Farm scores for digital experience, auto/home bundling and discounts

State Farm customers expressed high satisfaction with bundling (88%), which is not surprising, given that State Farm offers one of the largest auto/home bundle discounts, averaging 25%.

Discounts were one of the lower-scored categories for many companies, but State Farm had a good showing at 64% satisfaction. Many companies scored in the 50s here.

For digital experience, which measures how customers find the mobile app and website experience, State Farm customers gave the company an about-average score of 76%. Allstate topped this category with 86%.

The table below shows the percentage of customers who said they were satisfied or highly satisfied in each category.

CompanyDigital experienceAuto/home bundlingDiscounts
State Farm76%88%64%
Progressive77%71%55%
Travelers83%75%58%
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Types of home insurance offered by State Farm

  • Homeowners: Standard (broad form, HO-3) and high-value (comprehensive form, HO-5)
  • Renters: Coverage for tenants (HO-4)
  • Condo: Coverage for condominiums (HO-6)
  • Landlord: Coverage for a rental property
  • Manufactured home: Coverage for mobile/manufactured homes

State Farm home insurance discounts

  • Bundling: Discounts for buying auto and home insurance 
  • Home security: Discounts for protective devices, including smoke, burglar and fire alarms, as well as other home monitoring services
  • Roofing*: Discounts for hail-resistant or other impact-resistant roofing
  • Wind mitigation**: This discount is for meeting specific building construction standards
  • Wildfire mitigation: Available only in California, this discount is for wildfire mitigation efforts

*Available in Alabama, Arkansas, Colorado, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Mexico, North Dakota, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Wisconsin and Wyoming.

** Available in Alabama, Connecticut, Delaware, District of Columbia, Florida, Georgia, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Hampshire, New Jersey, North Carolina, Oklahoma, Rhode Island, South Carolina, Texas and Virginia.

States where State Farm offers coverage

Graph
Table
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
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Select state
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
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Note: Not currently writing home insurance in CA

State Farm at a glance

State Farm

  • Largest homeowners insurance company by market share, with $31,461,021,578 in direct premiums written according to the 2024 NAIC Market Share Report
  • Policies sold through more than 19,000 State Farm agents nationwide: online, in person or over the phone
  • State Farm received more than 28,000 claims a day in 2024 and paid $11.4 billion in catastrophic loss claims

Contact State Farm at www.statefarm.com or 800-782-8332.

Resources and Methodology

Sources:

NAIC. “NAIC Releases 2024 Market Share Data” Accessed December 2025.

StateFarm. “Homeowners insurance discounts from State Farm” Accessed December 2025.

StateFarm. “2024 year end results” Accessed December 2025.

Methodology

In late 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on satisfaction, ease of service, policy options, claims handling, digital experience, discounts, bundling, rate increases, older homes and standard coverages. We also asked whether they planned to renew, would recommend their insurer and trusted their insurer.

For insurers with enough survey responses, we added:

  • AM Best financial strength ratings, which measure an insurer’s ability to pay claims
  • NAIC complaint index scores, which show how many customer complaints an insurer receives relative to its size
  • Average premium data from Quadrant Information Services, based on a policy with:
    • $300,000 in dwelling coverage and liability
    • A $1,000 deductible and a 2% deductible where appropriate

With guidance from Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to calculate each company’s final rating:

  • Customer survey: 40% (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • AM Best: 25%
  • Average premium: 20%
  • NAIC complaints: 15%

Each insurer received a rating between 0.5 and 5 stars.

author image
Leslie Kasperowicz
Managing Editor

 
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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.

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