State Farm Car Insurance Review

State Farm is the largest car insurance company in the US, with nearly 16% of the market share. This company is well known for its service and customer satisfaction ratings, offering competitive rates and an extensive network of agents that can help you find tailored coverage options. Among State Farm's standout features are discounts for safe drivers, discounts for young drivers that complete a safety course and its widely available, comprehensive rideshare insurance.

BEST CAR INSURANCE FOR YOUNG DRIVERS

During our research, what really stood out for us about State Farm was their Steer Clear Driver Program, which offers discounts for drivers under 25 years of age. This program is designed to educate young adults about safe driving while helping them save money on car insurance. Parents can also monitor and guide the driver’s progress.

In order to qualify for this discount program, drivers must have a valid driver’s license, no at-fault accidents or moving violations during the past three years, and must successfully complete all the program requirements, which includes course training, driving practice, mentoring, and obtaining a program certification.

In addition to Steer Clear, State Farm has been offering the "Drive Safe & Save" program for drivers over 25 years of age. This program calculates a discount based on your actual driving using a mobile app and a company-provided Bluetooth device. The initial discount for signing up is 10%, but the final percentage can be anywhere between 10% and 30%.

EXCELLENT RIDESHARE INSURANCE

Although several other companies offer rideshare insurance, State Farm stands out from the competition by extending this coverage in most states and offering continuous coverage for drivers who haven't yet picked up a rider but are logged into their rideshare app.

Since this feature works as an extension of the driver's personal auto policy, they're covered even when they're not using the rideshare app.

It’s important to note that all coverages from your personal auto policy are extended except for “liability to others” once you’ve matched with a rider and while transporting them to their destination. That means you wouldn't be covered in the event you harm another person or their property in that interim.

The company's rideshare insurance option is available in most states and the District of Columbia.

CUSTOMER SUPPORT

State Farm lives up to its reputation as the nation's top insurer with a wide range of insurance products, 24-hour customer support, and agents in every state.

Customers can find support through the company’s webpage, by phone or email, or in person at one of their many locations.

State Farm also has a helpful “Pocket Agent” app that lets consumers access their insurance cards and policy information, get quotes, and track claims on their phones. To see how State Farm holds up against its competitors, read our full Liberty Mutual vs. State Farm car insurance review.