State Farm car insurance review 2025: 3.5 out of 5 stars
State Farm rating: 3.5 out of 5 stars
State Farm car insurance is an affordable option if you’re looking for solid coverage without all the bells and whistles. The company also has over 19,000 local agents across the U.S. if you prefer working with someone face-to-face instead of via an app.
That said, State Farm is lacking many perks other insurers have (like accident forgiveness). But between affordable rates, strong customer service, and coverage for things like rideshare driving, State Farm auto insurance is a reliable pick for everyday drivers who want good coverage at a fair price.
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Learn more: How does car insurance work? The basics explained
State Farm auto insurance pros and cons
Pros
Average rates
Rideshare coverage available
Above-average customer satisfaction
Cons
No accident forgiveness
No new car replacement
No vanishing deductible
State Farm auto insurance details
State Farm is the largest auto insurer in the country, and it shows. With a wide range of coverage options, generous discounts, and one of the strongest local agent networks, it’s a dependable pick for drivers who want both savings and support.
State Farm cost and customer satisfaction
Average monthly cost for full coverage: $190
J.D. Power customer satisfaction score by region: State Farm scored above average in all regions.
J.D. Power auto claims satisfaction: State Farm scored above the average.
State Farm coverage
Different coverage types: 9
State Farm discounts
Number of discounts: 15
Learn more: Car insurance discounts: 17 ways to save
Types of coverage State Farm offers
State Farm offers a standard set of coverage options, but here are a few extras that help it stand out.
Collision coverage. Covers damage to your car from a crash, no matter who’s at fault.
Comprehensive coverage. Pays for non-collision damage like theft, vandalism, hail, or hitting a deer.
Gap coverage. Pays your auto loan if your car is totaled or stolen.
Liability coverage. Required in most states, this covers injuries and property damage you cause to others.
Uninsured/underinsured motorist coverage. Helps cover your medical bills or vehicle damage if someone with little or no insurance hits you.
Medical payments coverage. Pays for medical or funeral expenses if you or your passengers are injured in a crash.
Rideshare driver coverage. Extends coverage when you're driving for companies like Uber or Lyft.
Emergency roadside service. Helps with towing, flat tires, lockouts, battery jumps, and more.
Rental car and travel expense coverage. Pays for a rental car while yours is in the shop and may cover lodging and meals if you’re stranded far from home.
Learn more: Most common types of car insurance explained
Does State Farm offer accident forgiveness?
No, State Farm car insurance does not include accident forgiveness. That means your premium could increase after an at-fault accident, even if you’ve been a safe driver for years.
Some car insurance companies offer this feature as a reward for safe driving. However, it’s not part of State Farm’s policy lineup, so it’s something to keep in mind when comparing quotes.
Learn more: Is accident forgiveness insurance worth it?
Does State Farm auto insurance include emergency roadside assistance?
Yes, State Farm car insurance offers emergency roadside assistance as an optional add-on for most auto policies. It covers common issues that can leave you stranded, from dead batteries to flat tires.
Here’s what it includes:
Towing to the nearest repair shop if your vehicle isn’t drivable
Delivery of fuel, oil, battery, or a spare tire (you cover the cost of materials)
Locksmith services if you're locked out (up to one hour)
Mechanical labor at the breakdown site (up to one hour)
Towing from ditches or off-road areas next to public roads
Roadside assistance doesn’t cover towing to a specific mechanic beyond the nearest repair location, and labor beyond the first hour may cost extra.
Learn more: Do I need emergency roadside assistance coverage?
How much does State Farm auto insurance cost?
State Farm’s rates are about average overall — $190 for full coverage. But keep in mind that auto insurance costs vary based on your location, driving history, coverage level, and more.
Average auto insurance costs for full coverage
State Farm’s rates are about average for full coverage, but they are still more affordable than many of the other insurers we ranked.
Average auto insurance costs for basic coverage
For basic coverage, State Farm again lands right about average. If you're looking to balance affordability with strong support, it's a competitive option.
Learn more: Minimum car insurance requirements in all 50 U.S. states
State Farm car insurance discounts
Here are the 15 discounts State Farm offers for its drivers.
Multi-policy discount. Bundle auto with home, renters, condo, or life insurance.
Multi-vehicle discount. Save when you insure two or more cars with State Farm.
Good driver discount. Applies if all drivers in your household have clean records.
Drive Safe & Save. State Farm’s usage-based program that rewards safe driving habits.
Steer Clear discount. A driver training program for people under 25 with no at-fault accidents.
Good student discount. Save up to 25% if your teen or college driver gets good grades.
Student away at school discount. Applies when a student under 25 is away from home and only drives on breaks.
Accident-free discount. If you’ve been with State Farm for three years with no chargeable accidents.
Vehicle safety and anti-theft discounts. Save more if your car has airbags, passive restraints, or an anti-theft system.
Passive restraint discount. Save up to 40% on medical-related coverage if you have a factory-installed restraint or airbag system.
Low mileage discount. You may pay less if you don’t drive much.
Loyalty discount. Longtime customers can save even more.
Pay-in-full discount. Get a discount for paying your premium up front.
Defensive driving discount. Available for drivers 55 and up who complete an approved course.
Driver training discount. Available for young drivers who take an education course.
Learn more: How does pay-per-mile car insurance work?
How to file a claim with State Farm
You can file a State Farm car insurance claim online, through the mobile app, or by calling your local agent. Here's how the process works:
Review your coverage. Before you file, it’s helpful to know what your policy includes. Pay special attention to your deductible and coverage limits. Gather documentation. This can include photos or videos of the damage, the other driver’s info, a police report (if you have one), and any repair estimates. Report the claim. File online, in the State Farm mobile app, or by calling the number on the back of your insurance card. If you work with a local agent, you can contact them directly. Visit a repair shop. If you choose a repair shop in State Farm’s Select Service network, you’ll get a guaranteed completion date and lifetime warranty. Work with your adjuster. Once your claim is filed, you’ll be assigned an adjuster. Stay in touch and respond promptly to any follow-ups. Get paid. After your claim is approved, State Farm auto insurance will issue payment based on your coverage. If your claim is denied, you can appeal or ask for more information.
Learn more: How to file a car insurance claim
How long do I have to submit claims to State Farm?
State Farm doesn’t publish a specific deadline for submitting auto insurance claims. That said, it’s best to file as soon as possible after an accident or covered incident to avoid delays or disputes.
If you’re unsure whether to file, you can always contact your local agent or use the mobile app to review your coverage first.
How fast does State Farm pay auto insurance claims?
State Farm doesn’t advertise a guaranteed claims payout timeline. However, it says you could receive a payout as soon as 48 hours after submitting a claim, especially if filed using its Virtual Estimate tool.
However, more complex claims — like those involving injuries or totaled vehicles — may take longer. You can track the status of your claim in the State Farm app or by contacting your agent directly.
State Farm’s mobile app
The State Farm mobile app makes it easy to manage your policy on the go. You can use it to view your insurance ID card, pay your bill, file and track claims, and contact your agent.
State Farm mobile app ratings:
Apple App Store: 4.8 out of 5 stars
Google Play Store: 4.6 out of 5 stars
State Farm auto insurance FAQs
Does my State Farm personal auto policy cover rental cars?
Many State Farm auto policies extend liability coverage to rental vehicles for personal use.
If you add rental car reimbursement coverage, State Farm may also help cover the cost of a rental car while your own vehicle is being repaired after a covered claim.
Just keep in mind that coverage doesn’t usually apply if you’re renting a car for business, including rideshare driving.
How fast can I get car insurance with State Farm?
You can get a quote and start coverage online or through an agent in just a few minutes. If you need proof of insurance right away, it’s usually available as soon as you purchase your new policy.
Tim Manni and Jamie Young edited this article.
Methodology
We researched the coverage details and prices for 13 auto insurance plans. We then weighted categories, and each auto insurer was scored relative to the others to find the best auto insurance companies. Here are the factors we incorporated.
Coverage types: 20% of score. We examined all the coverage options available and assessed whether each insurer offered the following: new car replacement (5%), GAP insurance (5%), accident forgiveness (5%), and diminishing deductible (5%).
Average cost: 40% of score. The average cost was generated by Trellis’ in-house machine learning models based on over 3 million data points, and includes more than 15 of the largest insurance companies in Trellis’ nationwide data set. These estimates are for policies with full coverage for the average policyholder who owns one car. Average policyholder here is defined as a 48-year-old driver, driving a 13-year-old car, in an average-income ZIP code with full coverage.
Customer satisfaction: 30% of score. We factored in information from three major sources: 1) National Association of Insurance Commissioners (NAIC) complaints (10%), in which we took the total number of complaints each company had over a three-year period (2022-2024), 2) CRASH scores (10%) from the Crash Network which share how well each company ensures quality repairs and customer service, and 3) J.D. Power scores (10%) from the J.D. Power U.S. Auto Claims Satisfaction Study and the U.S. Auto Insurance Study.
Discounts: 10% of score. We gave points for each type of discount that each auto insurer offers.
All app ratings were accurate at the time of publication.
