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State Farm Car Insurance Review

24 Customer Comments & Reviews - see all comments
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Founded in 1922 and headquartered in Bloomington, Illinois, State Farm Mutual Automobile company is the largest commercial and private auto insurer by market share in the United States.

Since its inception, the company has expanded to provide more than 100 products over five different business branches, including banking and financial services in the U.S. and Canada.

How is State Farm rated?

Breakdown

4.5/5
Coverage
4.5/5
Financial Strength
0.0/5
Supplemental Coverage
4.5/5
Pricing & Discounts
4.5/5
Claims Satisfaction & Customer Experience
4.5/5
Automation

Overall Rating: 4.3 / 5 (Excellent)

As the biggest player in the auto insurance industry, State Farm offers a broad range of coverage options and an excellent variety of discounts, primarily for safe drivers and returning customers.

Although they have yet to expand their coverages to insure pets, their plans offer all the basic and comprehensive protection a cautious motorist could require.

Clients who have worked with State Farm attest to the company's commitment to customer satisfaction, specifically in reference to their 24-hour customer support.

Backed by the company's long-term financial strength and reliability, as well as outstanding customer service standards, State Farm policies continue to be the best in the business.

State Farm Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Towing & Labor Cost

Coverage - 4.5 / 5

State Farm offers both basic and comprehensive coverages, as well as liability insurance, collision coverage, car rental and travel expenses, uninsured/underinsured motor vehicle coverage, medical payments, emergency road service, and rideshare driver coverage.

Although their offer is not as extensive as that of similar competitors, it does provide protection against the most common types of accidents and other mishaps.

Coverage Fine Print

Mobile App 24/7 Claims Processing

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
2.58
NAIC Total Complaints 2020
9,444

Customer Ratings

Trust Pilot Rating
7.5 out of 10
Date Collected
2017-10-10
*The NAIC Car Insurance complaint ratio (in this case 2.58) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 4.5 / 5

State Farm holds a Trustpilot score of 7.5 (Great) based on 67% positive customer reviews, with clients praising their quick, professional service.

As would be expected with a company of its size, State Farm's NAIC complaint ratio score for private passenger auto insurance for 2016 is higher than the national median, with over 9,000 total complaints for the year.

Despite this elevated complaint ratio, State Farm remains the most successful and trusted auto insurer in the United States, with 30 operation centers and over 300 claim offices across the country.

Financial Strength

Key Details

Underwriter
State Farm Mutual Automobile Insurance Company
Premiums Written 2020
$39,194,660,434
Marketshare
18.3%
AM Best Financial Rating
A++
Moody's Financial Rating
A2
Standard & Poor's Financial Rating
AA

Financial Strength - 4.5 / 5

State Farm services over 83 million policyholders across the nation, making them the largest auto insurance company by market share in the private and commercial auto insurance industry.

The firm holds A ratings from such investor and financial services companies as A.M. Best, Moody's, and Standard & Poors, retaining stable long and short-term issuer credit ratings with each.
*The above information reflects the financial strength of the underwriter of the State Farm car insurance policies: State Farm Mutual Automobile Insurance Company.

Pricing & Discounts

Per Mile Pricing Available?

Discounts

  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Homeowner
  • Student
  • Bundled Policy

Pricing & Discounts - 4.5 / 5

State Farm offers discounts for safe drivers, students, and clients insuring multiple vehicles or bundling their policies with other plans such as homeowners, renters, condo or life insurance.

They also emphasize the importance of driver education by extending additional discounts for those who complete a defensive driving course or driver training for motorists under the age of 21.

Overall, State Farm offers a good selection of discounts and affordable rates ranging from $90 to $190, which makes them one of the most competitive options in the market.

Discounts Fine Print

Defensive Driving Course Discount - Customers in specific areas may qualify for an additional discount by taking a driver safety course.

Driver Training Discount - Offers a discount for vehicle operators under the age of 21 who complete an approved driver education course.

Passive Restraint Discount - 1993 and older vehicles equipped with a factory-installed air bag or other passive restraint systems can receive a discount up to 40% on medical-related coverage.

Contact & Additional Information

Homepage URL
Company Phone
(800) 782-8332
Headquarters Address
One State Farm Plaza, Bloomington, IL, 61710
Year Founded
1922

What We’re Hearing From Our Readers
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Customer Comments

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B
Bernadette C
3/29/2018
I have had a terrible experience with State Farm Auto insurance and like so many people have said, cannot understand why they have such a high rating. I was hit by a motorcycle that ran a red light and the motorcycle when into the front windshield and over the car. The car was not drivable and the initial estimate for repair was $7400 before the car was broken down in the shop. I know nothing about cars but I knew that all the dents on the top of the car as well as the entire windshield and the front right end and wheel well were badly damaged. I thought this number was low. So the shop began the break down and added another $4000 to the estimate. Long story short, 3 months later the... Read More
38 People found this helpful.


Troy N
1/2/2019
After 30+ years they dumped me for to many claims, I have several drivers in my house one hit a dog and the other was young and got waved out and was hit. Used the roadside assistance oops you pay for it but you can't use it. So we have been dumped they will keep my house and my one car because it's guarantee for renewal but the rest are being dumped. They think I will keep one of my 7 cars with them and my house. They are smoking too much crack these days. Been stabbed in the back.
32 People found this helpful.


W
Willard W
11/28/2018
The Drive Safe and Save is a joke. I have a pickup truck that sits almost of the time. Maybe gets driven 100 miles a year. Here is what I did. I removed the transmitter from the truck and put it in my pocket as I walk two miles every day. My rating for accelerating is C+ and braking is C. Turns are A and B+. Accelerating C+. Give me a break! I notice that on my car the discount stays pretty much good until I get near my renewal and then the discount drops off to down below $10.
27 People found this helpful.


G
Golda Y
7/18/2018
We have had State Farm bundling everything since we were married 50 years ago. I think this insurance is as good as your agent. A good agent is an advocate for the client. I have never seen my current agent but she had a very competent & customer savvy front person. Since that person left after about 10 years, I am very disappointed. Nobody reviews my insurance or finds the discounts for us. I have to initiate and even when they are applied the rates still increase. I am thinking of looking at Shelter Insurance where the girl who was so customer friendly went. How often are the agents claiming credit that their staff deserves?
26 People found this helpful.


D
Dwight
3/4/2018
Perhaps we were spoiled by Country Companies, which was both less expensive and more responsive when we had a claim, but after deciding to try State Farm for a couple of years, we have now moved on. SF provided by a significant margin the worst claim experience my wife and I have ever encountered: On 11/25/2017 another car ran into the side of ours when we were stopped at a stop sign. Liability on the part of the other driver was established at the scene (SF later acknowledged that that was never in question). Our car couldn't be driven, so we incurred a $40 cab fare to get home, and I paid the $500 deductible when we picked the car up from the body shop. (With Country Companies, our... Read More
22 People found this helpful.


Wendy D
10/26/2018
I have been with SF for 1 1/2 years. I like to pay one yr. full, as I did in 4/18. Home ins. and Auto. I just got a bill for $70 saying due in the beginning of Nov. ??????? I've already paid for the Year. The agent made a note saying it was paid for . I've had a terrible time with their book work. I got an email a while saying if you pay a year in advance you'd get a discount, my agent knew nothing about that, still have the mail.
19 People found this helpful.


Kiersten M
1/15/2019
Been insured with State Farm for over 27 years on homes and autos. I moved from Indiana to Florida almost 3 yrs ago...my rates have increased 5-10% every 6 months since moving to Florida, whereas I barely had even a $3 increase each YEAR, if any at all on the same vehicle, while living in Indiana. I believe agents, and their greediness, have A LOT to do with any insurance experience. I used the roadside assistance coverage for the first time in those 27 yrs and the experience was painless...I’ll never change another tire myself again, as the cost of coverage is pennies!
17 People found this helpful.


L
Lenora
3/28/2018
State Farm is a rip off company you will pay more in premiums and will not get it back in return. The sad part is I finally found an Agent who is really good and that I like and his office staff is great in helping you. But SF as a whole sucks. Experience a total loss on February 22, 2018 they called finance company for payoff and were told that this payoff quote was good for a certain date. Also I had a refund coming from the extended warranty that I cancelled after the loss. SF waited and was holding the payoff check and just sent it last week finance company received it today 3/28/18. So you know what happen well they did not payoff the car in the allotted amount of time before... Read More
15 People found this helpful.


J
Joselyngee
6/1/2018
Unfortunately I had a horrible experience with a representative on the phone named Mary/Maria because she had a horrible attitude and was simply not willing to help me. I don’t understand why she had to be so rude? Does she not realize people are normally calling because something bad has happened to them (loss in family, car accident, etc. ) she should learn to control her tone and gain professionalism in order to represent this company.
13 People found this helpful.


Yunjie W
4/5/2018
The agent we worked with are awesome , but the company is not. We had one accident and one comprehensive claim, someone put the comprehensive one as at-fault. So they rate us bad risk and would renew us. I have been asked them the reason , but they just said that would not renew us. When I was looking for new insurance company , the new agent I talked to, held someone in StateFarm, finally they correct our record , they put comprehensive one as at-fault!!!! Don't mess up our records. We are not bad apple, someone in the company is.
12 People found this helpful.



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