State Farm Car Insurance Reviews
With No Deposit/No Down Payment.
State Farm Car Insurance Overview
We want to share some insights about State Farm car insurance in a simple and easy-to-understand way. We’ve given it a rating of 9.4 out of 10.0, and we’re proud to say it earned the title of Best Customer Experience in 2024. Let’s break down why we think it’s great.
Here’s a closer look at how State Farm performed in different areas:
| Aspect | Rating |
|---|---|
| Overall Rating | 9.4 |
| Industry Standing | 10.0 |
| Availability | 9.8 |
| Coverage | 9.2 |
| Cost | 9.3 |
| Customer Experience | 9.3 |
Our ratings come from looking at five important factors: reputation, availability, coverage, cost, and customer experience. We believe these aspects give a well-rounded view of what State Farm has to offer.
How do we come up with these ratings? Well, our team does thorough research each year, comparing various insurance companies to help you find the best ones. For State Farm, we dove into more than 70 pieces of information. This includes things like the total premiums they write, how many complaints they get, where they offer coverage, the types of coverage available, and even what J.D. Power has to say about them.
Analyzing the Pros and Cons of State Farm Car Insurance
When you’re on the lookout for the right car insurance, it can be challenging to distinguish between various companies. To make this process easier, let’s explore the strengths and weaknesses of State Farm car insurance:
Pros:
- Discount Variety: State Farm offers a range of discounts, including special programs and savings tailored for young drivers.
- User-Friendly Mobile App: State Farm provides a highly-rated mobile app that makes it easy for you to manage your policy efficiently.
- Wide Agency Network: With numerous agencies spread across the country, State Farm offers accessibility and convenience.
Cons:
- Gap Insurance Unavailable: State Farm does not provide gap insurance, which covers the difference between the actual cash value of a car and the amount still owed on the loan.
- No Accident Forgiveness Option: Unlike some other insurers, State Farm does not offer the option to purchase accident forgiveness, which can shield your premium from increasing after your first at-fault accident.
- No Live Chat Feature: State Farm lacks a live chat option, limiting immediate online support for customers.
What types of coverage does State Farm offer?
State Farm provides standard coverages that include liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments. These coverages help protect you and your vehicle in various situations.
Additionally, State Farm offers some optional coverages that you can add to your auto policy to customize your insurance based on your needs. Here’s a breakdown of these optional coverages:
- Bundling Options: State Farm allows you to bundle your car insurance with other policies such as homeowners, renters, boat, motorcycle, RV, condo, and health insurance. This can simplify your insurance and possibly save you money. You can find the full list of State Farm’s products on their website.
- Roadside Assistance: If your vehicle breaks down, State Farm’s roadside assistance package has got you covered. It includes up to one hour of mechanical labor at the breakdown site, towing to the nearest repair location, lockout services, and delivery of gas, oil, battery, or a tire change.
- Rideshare Coverage: For those who drive for companies like Uber and Lyft, State Farm offers rideshare coverage. This extends your car’s coverage while you’re working for these companies, including the benefits of roadside assistance.
- Rental Car and Travel Expenses Coverage: If your car is in the shop after a collision or comprehensive claim, State Farm’s rental car coverage will pay for a rental vehicle. Additionally, the coverage for travel expenses takes care of your lodging, food, and transportation if you’re stranded more than 50 miles away from your home after an accident.
How much does State Farm car insurance cost?
State Farm car insurance typically costs around $1,976 per year for full coverage. That’s just a tad under the national average, which sits at $1,982 annually. If we compare it with some other big insurance companies, you’ll find that State Farm’s rates are quite in line with the competition.
Here’s a breakdown of the average annual rates for various insurance companies for a 35-year-old driver with a clean recor
| Company | Average Annual Rate with a Clean Record |
|---|---|
| Travelers | $1,681 |
| American Family | $1,791 |
| Geico | $1,846 |
| State Farm | $1,976 |
| Allstate | $2,665 |
| Progressive | $2,112 |
| Nationwide | $2,279 |
| Farmers | $3,106 |
| USAA* | $1,432 |
Please keep in mind that these rates are based on a 35-year-old driver with a clean record, good credit, and opting for full coverage, which includes liability, comprehensive, collision, and any additional insurance required by the state. Your actual cost may vary based on factors such as your driving history, car model, location, and other individual considerations.
Is State Farm Car Insurance Good?
Wondering if State Farm Car Insurance is a good choice? In our 2024 ranking of the Best Car Insurance Companies, State Farm secures the third position with an impressive score of 4.2 out of 5. This rating considers various aspects, such as how well they handle claims and if their customers would recommend them to others looking for car insurance.
Let’s talk numbers. On average, State Farm offers competitive rates for a wide range of drivers. In our recent evaluation of Cheap Car Insurance Companies, they claimed the third spot again. The cost? Well, State Farm customers typically pay around $1,279 per year for coverage. That’s $268 less than the national average of $1,547.
Just for comparison, it’s worth noting that USAA and Geico, though not directly comparable as USAA is exclusively for the military community, are the only companies in our study of cheap car insurance providers with lower average rates.
State Farm Customer Service
When it comes to customer service, State Farm is doing well. It’s tied for the second spot with American Family, earning a solid score of 4.3 out of 5. USAA holds the top position with a score of 4.4. According to our survey, 54% of State Farm customers are happy with how easy it is to reach customer service after filing a claim, and they are satisfied with the service they receive. Only a small 2% express dissatisfaction with State Farm’s customer service.
| Insurance Company | Customer Service Rating |
|---|---|
| State Farm | 4.3 out of 5 |
| American Family | 4.3 out of 5 |
| USAA | 4.4 out of 5 |
State Farm Claims Handling
In the Claims Handling category, State Farm shares the third position with Geico, Farmers, and Nationwide, holding a commendable score of 4.1. American Family and USAA lead the way with scores of 4.3 and 4.2, respectively.
About half (50%) of State Farm customers are completely satisfied with the ease of filing a claim, as per our survey. Additionally, over 54% express complete satisfaction with how State Farm resolved their claims. While State Farm’s scores in claims handling are generally above average, less than half of those surveyed feel completely satisfied with the communication they received during their claims experience.
| Insurance Company | Satisfaction with Filing a Claim | Satisfaction with Claim Resolution | Communication Satisfaction |
|---|---|---|---|
| State Farm | 4.1 out of 5 | 50% | 46% |
State Farm Customer Loyalty
In the Customer Loyalty category, State Farm secures the third spot with a score of 4.2 out of 5. USAA and American Family are rated higher. Approximately 59% of survey respondents who have filed a claim are very likely to renew their State Farm policies, and 52% say they are very likely to recommend State Farm to someone looking for car insurance.
| Insurance Company | Likelihood to Renew Policy | Likelihood to Recommend |
|---|---|---|
| State Farm | 4.2 out of 5 | 59% |
State Farm auto insurance quotes and rates
When it comes to getting auto insurance from State Farm, the cost can vary based on different factors like how old you are, where you live, and your driving history. State Farm offers a couple of discounts that you might find interesting:
- Drive Safe & Save: This feature keeps an eye on how safely you drive and gives you discounts based on that.
- Steer Clear: If you’re a new driver or under 25 and haven’t had any accidents or traffic violations in the last three years, you could qualify for this discount.
There are also other discount options you might be eligible for, depending on your situation. Take a look at the table below to see the different discount option
| Discount Option | Eligibility Criteria |
|---|---|
| Accident-free | No recent accidents on your record |
| Defensive driving course | Completion of a defensive driving course |
| Student away at school | If you’re a student and away at school |
| Good driving | Demonstrating safe driving habits |
| Driver training | Completing a driver training course |
| Good student | Maintaining good grades in school |
| Vehicle safety | Having a vehicle equipped with safety features |
| Passive restraint | Having safety features like airbags or automatic seatbelts |
| Anti-theft | Equipping your vehicle with anti-theft devices |
| Multicar | Insuring more than one car with State Farm |
| Policy bundling | Bundling different insurance policies with State Farm |
State Farm Auto Insurance Frequently Asked Questions (FAQ)
To figure out the cost, you’ll need to get an online quote. Your age, gender, where you live, and your driving history all play a role in determining the price.
It could happen, but not always. State Farm might increase your rates after an accident, but it’s not a guarantee.
Nope, they don’t offer accident forgiveness either as an extra coverage option or as a reward for being a safe driver.
Yes, State Farm is available in all 50 states and Washington, D.C. However, keep in mind that not all coverage features are the same in every location.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.