State Farm Auto Insurance Review for 2024 (+Actual Rates)

Our State Farm auto insurance review lists the best rates for high-quality coverage. It offers some of the cheapest premiums, with an average monthly cost of around $33, and excellent customer service.

With a comprehensive list of policy options, including low-cost plans for those needing state-minimum coverage. This option has a robust claims process and outstanding customer satisfaction. Elevate your knowledge with our “Comparing Insurance Providers.”

State Farm Auto Insurance Rating

Rating Criteria
Overall Score	4.3
Business Reviews	5.0
Claim Processing	4.3
Company Reputation	4.5
Coverage Availability	5.0
Coverage Value	4.2
Customer Satisfaction	4.1
Digital Experience	4.5
Discounts Available	5.0
Insurance Cost	3.9
Plan Personalization	4.5
Policy Options	3.8
Savings Potential	4.3

The review encapsulates crucial aspects ranging from rates to the customer experience, serving you with the best pocket-friendly bargain. Start saving on auto insurance by entering your ZIP code and comparing quotes.

State Farm Average Cost vs. Competitors

State Farm’s average car insurance price is usually around the same or slightly higher than that of other leading insurers. On the other hand, drivers with a high-risk profile may get lower quotes from alternative insurers.

State Farm vs. Competitors: Minimum Coverage Auto Insurance Monthly Rates

Insurance Company	Monthly Rates
	$33
	$61
	$44
	$53
	$30
	$68
	$44
	$39
	$37

The cost breakdown validates this, confirming that State Farm has some of the best rates overall (for families and young drivers) so long as you have a decent driving record. Read further about our “AAA vs. State Farm Auto Insurance.”

State Farm Auto Insurance Coverage 

Price is a significant factor when shopping for auto insurance companies. The above rates may vary depending on age, location, and coverage level; State Farm’s average monthly premium is a competitive option for many drivers.

State Farm is a customer service-based company with generally competitive rates for safe drivers and those in high-risk categories.

State Farm’s mix-and-match plans offer different price options for people who want to save a little money but still get good coverage. Learn more about our “Largest Auto Insurance Companies in the U.S.” for a broader perspective.

State Farm Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

State Farm offers reasonable car insurance rates for good drivers, which depend on age, gender, and the type of coverage. Rates drop quite a bit for those 25 and older but expect a premium to be higher if you’re under that cutoff.

State Farm Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

State Farm prices for experienced drivers are very favorable. Costs go down with age and decrease between genders. Costly premiums are a common challenge for young drivers, but Alaska minimum coverage insurance can make them more manageable. Access the complete picture in our “Auto Insurance for Men vs. Women.”

State Farm Auto Insurance Rates by Driving Record

Your driving record contains details about your past, including speeding tickets, accidents, and DUIs. How infractions like speeding tickets affect your auto insurance varies depending on how long your record clears. However, the average time a violation affects your insurance is about three years.

State Farm Auto Insurance Monthly Rates by Driving Record

State Farm offers affordable insurance for people with imperfect driving records. Compare State Farm’s rates with those of other companies below. Explore our “American Family vs. State Farm Auto Insurance.”

State Farm Coverage Options

It is a versatile choice for many drivers because State Farm offers many coverage options to meet customers’ needs in all circumstances. These options include:

• Bodily Injury and Property Damaged Liability Coverage: The benefit includes Band-Aids and sheetrock repair for accidents with the insured at fault.

• Comprehensive and Collision: Covers other damage to the insured vehicle when caused by theft, vandalism, or an accident comprised of initiating a wreck.
• Personal Injury Protection (PIP): This type of no-fault insurance covers medical expenses for injuries sustained regardless of who was at fault.
• Uninsured/Underinsured Motorist Coverage: This covers you against accidents caused by drivers with little or no insurance.
• Rental Car Reimbursement and Roadside Assistance: Bonus coverage offers more ways to keep the insured vehicle on the road even when in repair.

This flexibility is beneficial, as you can choose a plan that best aligns with your lifestyle and needs. Whether you are looking for comprehensive coverage or a more basic option, you can tailor your insurance to your specific circumstances.

This adaptability allows you to prioritize essential features, ensuring you only pay for what you truly require. Additionally, it can lead to significant savings while providing peace of mind, knowing you have the right coverage for your unique situation. Check out our “Best Non-Standard Insurance Companies.”

State Farm Available Discounts

State Farm provides a range of discounts to help reduce the overall cost of coverage. Key discounts include:

• Safe Driver Discount: For drivers with a clean record.
• Multi-Car and Multi-Policy Discounts: Savings for insuring multiple vehicles or bundling other policies (home, renters, life).
• Good Student Discount: Available to young drivers with strong academic records.
• Steer Clear Program: Aimed at young or inexperienced drivers who complete State Farm’s safe driving program.
• Drive Safe & Save Program: Usage-based discount that monitors driving habits to reward safe behavior.

These discounts appeal to those looking to save, especially students, families, and policyholders who maintain multiple policies with State Farm. Find out more by reading our “Best State Farm Auto Insurance Discounts.”

State Farm Customer Reviews

Most policyholders describing the company positively note its customer service, reasonably easy claims process, and diverse range of coverage.

State Farm Insurance Policy Review – request by Agent
byu/1rightwinger inInsurance

State Farm is a customer service standout, nearly consistently ranking high in J.D. Power claims satisfaction among insurers that cut through consumer complaint data.

However, some users said it could improve its digital tools and mobile app offering. Its endurance-based customer care and support philosophy across its lifecycle resonates with customers, as evidenced by solid repeat purchases. Unlock additional information in our “Popular Auto Insurance Companies.”

State Farm Business Review

State Farm is one of the largest auto insurance companies in the U.S., so it has a solid financial rating and some stability. It is widely recognized for its high economic strength, as reflected in its stable credit ratings, including an A++ rating from A.M. Best.

The company has the largest network of local agents in the U.S., making it easy for customers to receive personalized service anywhere.

State Farm Insurance Rating

Agency
	Score: 877 / 1,000 Above Avg. Satisfaction
	Score: C- Below Avg. Business Practices
	Score: 75/100 Positive Customer Feedback
	Score: 0.78 More Complaints Than Avg.
	Score: B Fair Financial Strength

State Farm also shows a strog affinity for corporate social responsibility and community engagement, which positively adds to its brand image. Access supplementary details in our “State Farm Drive Safe and Save Review.”

State Farm Pros and Cons

State Farm offers competitive rates, flexible coverage, and discounts like Drive Safe & Save, ideal for safe drivers and families. While highly rated in claims and stability, it may cost more for high-risk drivers and has limited digital tools.

Pros

• Competitive rates for safe drivers and families
• Wide range of coverage options and policy flexibility
• Numerous discounts, including Drive Safe & Save and Good Student Discount
• High customer satisfaction with claims handling
• Financial solid stability and A++ rating from A.M. Best

Cons

• Higher rates for high-risk drivers
• Limited digital tools compared to some competitors
• Discount availability may vary by location

State Farm provides competitive rates and extensive coverage options, making it a top choice for safe drivers and families. Enhance your comprehension with our “Auto Insurance Rates for Married vs. Single Drivers.”

What You Should Know About State Farm Insurance

As this State Farm auto insurance review has shown by all these pros and cons, the company provides an excellent service to customers that is reliable.

State Farm is still among the best-priced auto insurance companies in all 50 states and DC. It offers competitive rates overall, but especially for safe drivers, and it provides a considerable menu of coverage options plus a long list of discounts.

Although it’s not the cheapest option for high-risk drivers, State Farm is reliable for most other drivers because of its customer satisfaction and financial strength. Discover what lies beyond our “Best Auto Insurance Companies According to Reddit.” Find the best auto insurance company near you by entering your ZIP code into our free quote tool.