State Farm Auto Insurance Review

#2 in Car Insurance

State Farm is a strong financial company that offers a variety of insurance tools including auto insurance. Its auto insurance arm provides a wide range of coverage options that includes protection for classic cars, vehicles and recreation vehicles. With State Farm auto insurance, customers could enjoy comprehensive, collision, medical insurance and personal property coverage.

 

Coverage

Comprehensive coverage

(Fire, wind, hail, flood, vandalism, theft, hitting an animal)

Uninsured motor vehicle coverage

Personal Injury Protection/ Medical Insurance Coverage

Bodily Injury Liability

Personal Property Damage Liability

Collision Coverage

(Collision with another vehicle, object, vehicle rollover)

Rental Car Coverage

Specialty vehicles

(Classic cars, sports and leisure vehicles, classic cars)

 

Plans and Pricing

Male Single (insured/ no infractions)

$90 to $170

 

Male Married (insured/ no infractions)

$90 to $190

 

Female Single (insured/ no infractions)

$90 to $140

 

Female Married (insured/ no infractions)

$90 to $190

 

Discounts

Multi-policy discounts

Group discounts

Preferred payment discounts

New customer

Vehicle safety discounts

 

Good Student Discount Car Insurance

(Up to 25% in savings for student drivers with good grades)

Multiple Automobile Discount Car Insurance

(Up to 20% in savings for two or more vehicles in the same household insured by related individuals)

Multiple Line Discount Car Insurance

(Up to 17% in savings for those with homeowners, renters, condo, or life insurance with State Farm)

Good Driving Discount Car Insurance

(Up to 10% in car insurance discounts for those with at least three years with no moving violations and no at-fault accidents)

Steer Clear® Safe Driver Discount Car Insurance

(Up to 15% in discounts for drivers under 25 who have polished their driving skills and save money on auto insurance when they have completed the three year course and have no at-fault accidents or moving violations)

Defensive Driving Course Discount Car Insurance

(Up to 5% in discounts depending on where you live, taking a driver safety course may help you get car insurance discounts. Check local State Farm agent for a list of qualifying courses and requirements)

Drive Safe & Save™ Discount Program

Save up to 5%. The less your vehicle is driven, and in some cases, the safer your vehicle is driven, the more you can save. These car insurance discounts are available to customers who agree to share certain driving information and have an eligible vehicle. The premium savings are based on the actual usage of your vehicle. You could save up to 50% at future renewals!

 

Financial Ratings

A.M Best Financial Rating A++

A.M. Best Issuer Rating aa+

S&P Financial Strength AA

S&P Issuer Strength AA

 

Support Services

Roadside assistance

24/7 claims reporting

J.D. Power & Associates 4/5 for customer satisfaction

 

The Bottom Line - State Farm Auto Insurance

State Farm Auto Insurance is a solid performer. It particularly scores high in plan coverage and discount options. Rates are not exactly the best and consumers could find this in the higher spectrum of what is currently being offered by other auto insurance services but it more than makes up in the amount of coverage each plan brings to the table and the number of discounts that could be availed. 24/7 reporting ensures that there is always someone to process your claims. Customer sentiment in general was satisfactory in terms of how the company handled claims.