State Farm Auto Insurance Review : State Farm is an American insurance company that provides various types of insurance coverage, including auto insurance. State Farm is one of the largest auto insurance providers in the United States and offers a wide range of policies to meet the needs of different drivers.

If you’re looking for numerous policies, State Farm is a fantastic option for insurance. Auto, house, renters, condo, and life insurance are just a few of the insurance products that the firm offers at prices that are lower than the industry standard.

State Farm provides several vehicle insurance savings, such as excellent student and good driver discounts, as well as friendly customer service, which may make your life simpler in the event of an accident.

State Farm has a solid reputation across the country; it is the biggest provider of homes insurance and vehicle insurance in 39 states, respectively.

Customers may choose from a wide selection of goods from State Farm, such as bank accounts, personal loans, investments, and various insurance policies for motorcycles, boats, small businesses, life, and health.

Given that State Farm has a network of more than 19,000 agents, customers searching for a personalised experience with a local insurance agent are likely to find just that with this company. This stands in sharp contrast to a few other big insurers, namely Geico and Progressive, who have less devoted salespeople to assist you in making the best policy options.

For individuals who like the ease of managing their insurance policy online, State Farm is a fantastic option. Its smartphone app, which enables users to make payments, submit claims, and get roadside assistance, has gotten good reviews.

State Farm Car Insurance Reviews

One of the greatest and most well-known auto insurance providers is State Farm. Our editorial team gave the organisation a 4.7 out of 5.0 rating for its solid reputation in the industry, availability, coverage, pricing, customer support, and online experience.

In 1922, the State Farm Mutual Automobile Insurance Company was founded. The service, which is situated in Bloomington, Indiana, is now the largest auto insurance carrier in the country. The corporation issued $41.6 billion in insurance premiums in 2021, according to the National Association of Insurance Commissioners (NAIC). This number represented a 15.9% market share of the whole car insurance industry.

In all 50 states, State Farm provides homeowners, vehicle, and other insurance plans. With more than 18,000 local insurance brokers, the firm claims to have the biggest network in the nation and services those states.

Is State Farm Insurance Good?

State Farm is renowned for offering cheap auto insurance coverage and a variety of discounts, particularly for college students. The business won the “Best Overall” provider prize in 2023 after placing first in our industry-wide analysis of the top auto insurance providers.
Additionally, State Farm provides a variety of special deals and programmes, such as the Drive Safe & Save ProgramTM, which rewards motorists for safe driving practises.

Types of Auto Insurance Plans from State Farm

Our selection for the best all-around low-cost auto insurance is State Farm. Additionally, it provides affordable rates for young drivers nationwide. Due to its size and reputation, the organisation is able to provide a variety of plans that allow for drivers with less-than-perfect driving histories. A few choices for coverage that customers could see are:

Collision insurance:If you crash with another automobile or something, like a telephone pole or a mailbox, your insurance company will pay for the necessary repairs and replacements for your car. Even while this insurance is not legally required, if you finance or lease your car, your lender could.

Comprehensive insurance:If your automobile sustains damage as a result of a non-collision occurrence, such as theft, fire, vandalism, or running over an animal, this insurance pays for the cost of repairs or replacement. In a similar vein, lenders may insist on full coverage even if your state may not. If you are unable to buy a replacement vehicle for your vehicle, comprehensive coverage can keep you on the road.

Uninsured and underinsured motorist coverage:This insurance pays the difference in medical costs, lost earnings, and expenditures connected to pain and suffering if someone else is to blame for an accident you were involved in. Similar to how collision coverage will help with damage and medical claims if you are hit by an uninsured motorist. Your coverage does, however, equal your liability coverage.

Liability coverage:If you cause an accident, this coverage will cover the other party’s property damage, car repairs, and medical costs. All states except New Hampshire have varied levels of liability insurance requirements. However, insurance complies with New Hampshire’s financial responsibility standards.

Medpay coverage:If you or your passengers were hurt in an accident, your medical payment coverage will pay your medical fees. If your coverage limitations are low, Medpay can be used to enhance your health insurance plan. Some states refer to this as PIP.

State Farm Roadside Assistance (And Other Coverage Options)

State Farm provides a number of insurance add-ons in addition to regular coverage. These consist of:

Emergency roadside assistance:This service pays for mechanical labour at the breakdown location, locksmith services if your key is misplaced, stolen or locked inside your car, as well as emergency fuel, oil, battery and tyre changes.

Rideshare insurance:When your app is open and available for hiring, when you match with a passenger, and when you transport the rider, you are covered when operating a vehicle for ridesharing services like Lyft or Uber. Property damage, liability, uninsured motorist, and rental automobile benefits may all be covered.

Rental car coverage:

For individuals without rental coverage or with really large deductibles, this covers the cost of a rental up to a specified amount.
State Farm will pay your deductible up to $500 if you have an accident in a rental car. If you are more than 50 miles from home, you may also choose travel expense coverage, which will pay for food, accommodation, and transportation costs up to $500.

State Farm Claims

Claims for State Farm vehicle insurance can be filed online, using the mobile app, over the phone (the claims department is available around-the-clock), or by contacting a local State Farm agent. After you file a claim, State Farm will examine it and, if necessary, ask for more details. You will get an estimate and repair alternatives from an adjuster.

State Farm offers three options for paying for repairs: a cheque delivered to your mailbox, your bank account or the repair facility. It is quite easy to make and handle claims, pay bills, and upload images using the smartphone app.

How Much Does State Farm Auto Insurance Cost?

For a variety of age ranges, genders, and driving histories, State Farm premiums are often less expensive than the national average for auto insurance. The business also provides a variety of discounts, including excellent student discounts for college and high school students.

It operates with “captive agents,” who can only provide quotes for one business. This might not be the best situation if you’re attempting to compare prices. However, if you want to maximise your discounts, it’s wonderful. Agents have extensive knowledge of the main product. Following are the pricing ranges by sex and age.

Age	State Farm Average Monthly Premium	National Averages (Females)	National Average (Males)
Teens	$280	$345	$386
20s	$101	$223	$240
30s	$99	$164	$167
40s	$97	$154	$154
50s	$85	$138	$140
60s	$78	$136	$142
70s	$99	$160	$173

FAQ – State Farm Car Insurance