{"id":324192,"date":"2025-11-11T16:52:18","date_gmt":"2025-11-11T21:52:18","guid":{"rendered":"http:\/\/staging.reviews.com\/?page_id=34843"},"modified":"2025-11-11T16:52:18","modified_gmt":"2025-11-11T21:52:18","slug":"state-farm-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/","title":{"rendered":"State Farm Auto Insurance Review"},"content":{"rendered":"\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"State Farm Overview\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Reviews Report<\/h3>\n\n\n\n<ul class=\"is-style-blog-list\"><li>State Farm remains a scale leader and ranks among the top two U.S. private\u2011passenger auto insurers by market share; NAIC\/III tallies for 2023 show Progressive narrowly ahead in auto while State Farm holds roughly mid\u2011teens share. See the NAIC market share reporting here: <a href=\"https:\/\/content.naic.org\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">largest auto insurance company by market share<\/a>.<\/li><li>Financial strength is top tier (A.M. Best A++). Independent satisfaction benchmarks in 2025 indicate State Farm typically performs around the regional average on overall auto insurance satisfaction and near average on auto claims experience. See <a href=\"https:\/\/www.jdpower.com\/business\/insurance\/us-auto-insurance-study\">J.D. Power U.S. Auto Insurance Study<\/a> and <a href=\"https:\/\/www.jdpower.com\/business\/insurance\/us-auto-claims-satisfaction-study\">J.D. Power U.S. Auto Claims Satisfaction Study<\/a>.<\/li><li>Coverage breadth is wide (including rideshare add\u2011on), and digital servicing is comprehensive: mobile app features include digital ID cards, in\u2011app claims filing with photo uploads, repair status tracking, bill pay, roadside assistance requests, and access to usage\u2011based telematics programs. See <a href=\"https:\/\/apps.apple.com\/us\/app\/state-farm\/id318142137\">State Farm on the App Store<\/a>, <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.statefarm.pocketagent\">Google Play<\/a>, and the <a href=\"https:\/\/www.statefarm.com\/claims\">Claims<\/a> hub.<\/li><\/ul>\n\n\n\n<p>Founded in 1922, State Farm is one of the <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/the-largest-car-insurance-companies\/\">largest car insurers<\/a> in the United States. Based on NAIC data compiled by the Insurance Information Institute, State Farm writes about 16% of U.S. private\u2011passenger auto premiums (No. 2 nationally) and remains the largest U.S. property\/casualty group overall with just under ~9% of total P\/C direct premiums written. Sources: <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-auto-insurance\">III auto insurance market share<\/a>, <a href=\"https:\/\/www.iii.org\/fact-statistic\/industry-overview\">III industry overview<\/a>.<\/p>\n\n\n\n<p>Recent satisfaction research reflects the pricing and claims environment: in the latest J.D. Power <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">U.S. Auto Insurance Satisfaction Study<\/a>, company results are reported by region and State Farm typically lands around the segment average. On claims, J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/insurance\/us-auto-claims-satisfaction-study\">Auto Claims Satisfaction Study<\/a> shows industrywide improvements as repair backlogs eased, with State Farm\u2019s experience generally near average, supported by a broad repair network and solid digital tools such as photo estimates and repair tracking via app or web (<a href=\"https:\/\/www.statefarm.com\/claims\">Claims<\/a>; <a href=\"https:\/\/apps.apple.com\/us\/app\/state-farm\/id318142137\">App<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">State Farm\u2019s Average Premium In Your State<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>State<\/strong><\/td><td><strong>Average Annual Full Coverage Premium (benchmark range, 2025)<\/strong><\/td><\/tr><tr><td>Alabama<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Alaska<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Arizona<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Arkansas<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>California<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Colorado<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Connecticut<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Delaware<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Florida<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Georgia<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Hawaii<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Idaho<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Illinois<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Indiana<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Iowa<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Kansas<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Kentucky<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Louisiana<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Maine<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Maryland<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Massachusetts<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Michigan<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Minnesota<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Mississippi<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Missouri<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Montana<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Nebraska<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Nevada<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>New Hampshire<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>New Jersey<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>New Mexico<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>New York<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>North Carolina<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>North Dakota<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Ohio<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Oklahoma<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Oregon<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Pennsylvania<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Rhode Island<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>South Carolina<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>South Dakota<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Tennessee<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Texas<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Utah<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Vermont<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Virginia<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Washington<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Washington, D.C.<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>West Virginia<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Wisconsin<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><tr><td>Wyoming<\/td><td>$1,900\u2013$2,600 (benchmark; see 2025 sources)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Representative 2025 benchmark range for a standard full\u2011coverage profile. State\u2011level averages vary; see current datasets from <a href=\"https:\/\/www.nerdwallet.com\" class=\"achor-toggles\">NerdWallet (2025)<\/a> and <a href=\"https:\/\/www.bankrate.com\">Bankrate (2025)<\/a>. Your rate will differ based on driver, vehicle, location, coverage, and discounts.<\/em><\/p>\n\n\n\n<section id=\"block_60901334a50d6\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">State Farm Car Insurance Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                A.M. Best\n                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">A++<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power\n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">Regional (2025)<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                States Served\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">50 + D.C.<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p>Drawing on NAIC\/III market share data for 2023, State Farm writes about 16% of U.S. private\u2011passenger auto premiums (No. 2 nationally) and remains the No. 1 U.S. P\/C group with just under ~9% of total direct premiums written. See <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/content.naic.org\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">latest NAIC market share data<\/a> and <a href=\"https:\/\/www.iii.org\/fact-statistic\/industry-overview\">III industry overview<\/a>. State Farm\u2019s official 2023 financial results release reports a P\/C group net loss amid elevated auto loss costs and catastrophe activity, with improved underwriting versus 2022 and strong year\u2011end capital levels: <a href=\"https:\/\/newsroom.statefarm.com\/state-farm-2023-financial-results\/\">State Farm 2023 financial results<\/a>.<\/p>\n\n\n\n<p>State Farm has the <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/ratings.ambest.com\/CompanyProfile.aspx?ambnum=2479&amp;URatingId=2604199&amp;bl=0&amp;AltSrc=1&amp;PPP=&amp;AltNum=0&amp;Ext_User=&amp;Ext_Misc=&amp;Portal=0&amp;Site=\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">highest A++ (Superior) rating<\/a> from A.M. Best, indicating very strong financial capacity to meet obligations. Furthermore, State Farm has <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.statefarm.com\/about-us\/company-overview\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">over 19,000 independent agents<\/a> throughout the U.S<a href=\"https:\/\/www.statefarm.com\/about-us\/company-overview\">.<\/a> supporting customers <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.statefarm.com\/about-us\/company-overview\/company-profile\/state-farm-companies\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">in every state<\/a>. <\/p>\n\n\n\n<section id=\"block_609013eba50db\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Telemetric-based discounts:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Drive Safe &#038; Save uses the mobile app and, where available, connected\u2011car data to tailor discounts based on driving behavior; Steer Clear supports younger drivers with app\u2011based training. Availability and savings vary by state. See <a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/discounts\/drive-safe-and-save\">Drive Safe &#038; Save<\/a> and <a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/discounts\/steer-clear\">Steer Clear<\/a>.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Rideshare insurance: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Add\u2011on coverage for drivers using Uber, Lyft, and similar platforms can be added to a personal policy in many states (availability varies).<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Nationwide agent network: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Over 19,000 agents provide local support alongside robust digital self\u2011service (digital ID cards, in\u2011app claims filing, repair tracking, bill pay). See the <a href=\"https:\/\/apps.apple.com\/us\/app\/state-farm\/id318142137\">State Farm app<\/a> and <a href=\"https:\/\/www.statefarm.com\/claims\">Claims<\/a> resources.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Excellent ratings from reviewers:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Financial strength is A.M. Best A++; in recent J.D. Power studies (2025), State Farm\u2019s customer satisfaction and claims experience generally track near regional averages. See <a href=\"https:\/\/www.jdpower.com\/business\/insurance\/us-auto-insurance-study\">Auto Insurance Study<\/a> and <a href=\"https:\/\/www.jdpower.com\/business\/insurance\/us-auto-claims-satisfaction-study\">Auto Claims Study<\/a>.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Middle-of-the-road pricing:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">State Farm won\u2019t always be the cheapest; recent rate increases across the industry mean quotes vary widely by state and profile. Telematics (Drive Safe &#038; Save) and Multiple Line bundling can help offset costs.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Complaints vary by line and entity: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">NAIC consumer complaint indices are calculated by company entity and line of business (industry average = 1.00). For State Farm\u2019s principal underwriting companies, private\u2011passenger auto indices often hover around market average, while homeowners can trend higher in heavy\u2011cat years. Check the latest values via the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a>.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"highlights\" title=\"State Farm Auto Insurance Highlights\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm Home and Auto Insurance Bundles<\/h2>\n\n\n\n<p>State Farm\u2019s bundling benefit is the Multiple Line discount: pair your auto policy with a qualifying second policy (homeowners, renters, condo, and in many states life insurance) and you may receive savings on both policies. State Farm markets potential home\u2011and\u2011auto savings \u201cup to\u201d roughly a thousand dollars or more per year, with actual discounts varying by state and profile. See <a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/discounts\">Auto insurance discounts<\/a>, <a href=\"https:\/\/www.statefarm.com\/insurance\/home-and-property\/homeowners\/discounts\">Homeowners discounts<\/a>, and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet (2025)<\/a>.<\/p>\n\n\n\n<p>Renters can bundle as well: Auto + Renters is often a cost\u2011effective path to qualify for Multiple Line savings because renters premiums are relatively low. Exact eligibility and savings vary by state and underwriting. See <a href=\"https:\/\/www.statefarm.com\/insurance\/home-and-property\/renters\/discounts\">Renters discounts<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"competition\" title=\"The Competition\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm Car Insurance vs. The Competition&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Provider<\/strong><\/td><td><strong>J.D. Power Customer Satisfaction*<\/strong><\/td><td><strong>AM Best<\/strong><\/td><td><strong>No. of Discounts<\/strong><\/td><\/tr><tr><td><strong>State Farm<\/strong><\/td><td>Regional results; typically around regional average (2025)<\/td><td>A++<\/td><td>Varies by state<\/td><\/tr><tr><td><strong>Geico<\/strong><\/td><td>Regional results; often near average (2025)<\/td><td>A++<\/td><td>Varies by state<\/td><\/tr><tr><td><strong>Progressive<\/strong><\/td><td>Regional results; often near average (2025)<\/td><td>A+<\/td><td>Varies by state<\/td><\/tr><tr><td><strong>Liberty Mutual<\/strong><\/td><td>Mixed; varies by region (2025)<\/td><td>A<\/td><td>Varies by state<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Information accurate as of 2025. J.D. Power reports regional (not single national) satisfaction scores on a 1,000\u2011point scale; large national carriers often cluster near regional averages while smaller regional mutuals frequently lead.<\/em><\/p>\n\n\n\n<p><em>*J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">2025 Auto Insurance Satisfaction Study<\/a> covers multiple regions; carrier performance varies by market. See also the <a href=\"https:\/\/www.jdpower.com\/business\/insurance\/us-auto-claims-satisfaction-study\">2025 Auto Claims Satisfaction Study<\/a>.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">State Farm vs. Geico&nbsp;<\/h3>\n\n\n\n<p>Both <a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-vs-state-farm\/\" class=\"achor-toggles\">State Farm and Geico<\/a> are national leaders. In J.D. Power\u2019s 2025 customer satisfaction reporting, both typically track near regional averages, with price perceptions under pressure industrywide. State Farm\u2019s agent network and broad repair relationships can benefit customers who value in\u2011person support, while GEICO\u2019s digital-first model emphasizes frictionless quoting and servicing.<\/p>\n\n\n\n<p>From a price\/discount standpoint, <a href=\"https:\/\/www.geico.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Geico has more discounts<\/a> prominently listed online. Compare identical coverages and verify eligibility for usage\u2011based telematics and bundling with either carrier before deciding.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">State Farm vs. Progressive&nbsp;<\/h3>\n\n\n\n<p>Complaint indices from the <a href=\"https:\/\/eapps.naic.org\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">NAIC data<\/a> vary by legal entity and line of business (industry average = 1.00); both carriers often land around market average for private\u2011passenger auto, with year\u2011to\u2011year swings by state. J.D. Power\u2019s 2025 claims study shows both near the industry average on overall claims experience; communication cadence and cycle\u2011time management are key differentiators among top performers.<\/p>\n\n\n\n<p>Both companies offer deep discount menus and telematics programs (Drive Safe &#038; Save vs. Snapshot) that may materially influence your premium depending on driving behavior and state rules.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/liberty-mutual-review\/\" class=\"achor-toggles\">State Farm vs. Liberty Mutual<\/a><\/h3>\n\n\n\n<p>Liberty Mutual is smaller than State Farm in U.S. auto market share, and recent J.D. Power studies show mixed satisfaction results for large national carriers amid pricing and repair\u2011cycle pressures. State Farm typically performs around the regional average on policy satisfaction and claims, with variability by state and event mix (e.g., catastrophe load in homeowners lines can influence overall sentiment).<\/p>\n\n\n\n<p>Both companies offer a wide range of discounts. It\u2019s worth <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/\" rel=\"nofollow\" class=\"achor-toggles\">obtaining quotes<\/a> from both to compare net prices after telematics and bundling.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm FAQ<\/h2>\n\n\n<div id=\"block_5f11f4eaf62ca\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much is car insurance for State Farm?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Premiums vary significantly by state, driver profile, vehicle, coverage limits, and discounts. For 2025 benchmarking, consult current state-by-state averages for a standard full-coverage profile from independent datasets such as <\/span><a href=\"https:\/\/www.nerdwallet.com\"><span style=\"font-weight: 400;\">NerdWallet (2025)<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.bankrate.com\"><span style=\"font-weight: 400;\">Bankrate (2025)<\/span><\/a><span style=\"font-weight: 400;\">. Your quote will depend on age, location, mileage, driving history, vehicle safety features, and whether you enroll in telematics or qualify for Multiple Line bundling.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f11f500f62cb\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is State Farm a good auto insurance company?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">State Farm is financially strong (A.M. Best A++) and, in recent independent studies, generally performs around the regional average on overall customer satisfaction and auto claims experience. See <\/span><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\"><span style=\"font-weight: 400;\">J.D. Power 2025 U.S. Auto Insurance Study<\/span><\/a><span style=\"font-weight: 400;\">, the <\/span><a href=\"https:\/\/www.jdpower.com\/business\/insurance\/us-auto-claims-satisfaction-study\"><span style=\"font-weight: 400;\">Auto Claims Satisfaction Study<\/span><\/a><span style=\"font-weight: 400;\">, and the ACSI property &amp; casualty benchmarks. Market-share leadership and broad agent support make it a solid option for many drivers.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f11f511f62cc\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Does State Farm insurance have a grace period?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Grace periods and cancellation notice requirements vary by state, policy type, and underwriting company. To avoid a coverage lapse, pay by your due date or contact your State Farm agent to confirm any applicable timelines and options in your state.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated State Farm based on discounts, coverage, digital resources, financial strength, and customer satisfaction. To compare car insurance companies with other providers across the board, we analyzed:<\/p>\n\n\n\n<ul><li>Discounts: We verified discount menus (including usage\u2011based programs and Multiple Line bundling) on carrier sites; see <a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/discounts\">State Farm auto discounts<\/a>.<\/li><li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company\u2019s financial stability.<\/li><li>Customer Satisfaction: We referenced J.D. Power\u2019s latest studies: <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-auto-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2025 Auto Insurance Study<\/a> and <a href=\"https:\/\/www.jdpower.com\/business\/insurance\/us-auto-claims-satisfaction-study\">2025 Auto Claims Satisfaction Study<\/a>, which report results by region and measure the end\u2011to\u2011end claims experience.<\/li><li>Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision, and personal injury protection (e.g., rideshare endorsements, OEM\/parts coverage options where available).<\/li><li>Online Resources: We reviewed digital capabilities including mobile claim estimates, digital ID cards, claim status tracking, and bill pay. See the <a href=\"https:\/\/apps.apple.com\/us\/app\/state-farm\/id318142137\">State Farm app<\/a> and <a href=\"https:\/\/www.statefarm.com\/claims\">Claims<\/a> hub.<\/li><\/ul>\n\n\n\n<p>Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.&nbsp;<\/p>\n\n\n\n<p>For average pricing benchmarks in 2025, we reference reputable industry datasets that model standardized driver profiles using filed\/approved rates and quoting APIs, such as <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet (2025)<\/a> and <a href=\"https:\/\/www.bankrate.com\">Bankrate (2025)<\/a>. Figures vary by state and update cadence.<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>Our base profile generally reflects a mid\u201130s driver with a clean record who commutes five days a week and drives about 12,000 miles annually, though methods vary by source.\u00a0<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes. <\/p>\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report State Farm remains a scale leader and ranks among the top two U.S. private\u2011passenger auto insurers by market share; NAIC\/III tallies for 2023 show Progressive narrowly ahead in auto while State Farm holds roughly mid\u2011teens share. See the NAIC market share reporting here: largest auto insurance company by market share. Financial strength is [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":361612,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1266],"tags":[21449],"post_author":[25484],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>State Farm Auto Insurance Review 2021 - Reviews.com<\/title>\n<meta name=\"description\" content=\"State Farm received a 4.4\/5 rating from the Reviews editorial team because it combines a network of over 19,000 agents nationwide with great discounts.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"State Farm Auto Insurance Review 2021 - 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