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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.
 
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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
https://www.statefarm.com/
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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erlinda h
1/13/2020
Angel Hall state farm ins agency/Palm coast Florida....Brianna took all the informations from me for Auto and Homeowners policies! She was very friendly,,efficient and pleasant.. Although my coverage is not in effect yet,I feel that I would like the services of this agency! It's so close to home but first and foremost Ifeel very welcomed and important! Thank you ERLINDA HOUSE
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Starling B
3/23/2019
I have been a happy State Farm customer since 2001 (18 yrs). While rates fluctuate, we've never strayed. I have shopped on more than one occasion, but never made a switch. My agent and staff know me and are always responsive and helpful. I was a bit frustrated a few years back when my daughter was in a very minor accident and State Farm just paid the claim to a fraud without any questions. Our rates went up just a bit, but that was to be expected. Overall, I am very happy and have no plans to change!
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Carolyn P
3/6/2019
This is a awful company. Claimed my accident on collision and not uninsured motorist. Been trying to fix it for yrs. They said it was a mistake and sent me $300 for the difference between collision and uninsured motorist. Plus $147 for the same difference for the rental car. Sent me a letter saying that I was not the party primarily at fault. I was not at fault in any way but will not send me a letter that states that.
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Michael g
12/19/2017
I dont understand how they came to this overall star rating for statefarm but we had a tree fall on our brand new trailer in a big storm we had on nov 5 come to find out statefarm doesnt have adjusters to handle a speciality vehicle like our 14×7 pull behind trailer they rely on a 3rd party company for this they also left it up to us to find a place that would look at our totalled trailer to tell the third party people that its totaled after many phone calls to the claims team what a joke im told a different story every phone call but the bottom line is they dont have what they need this whole process has been very frustraiting and it really does not need to be this way we thought we were... Read More
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