State Farm Car Insurance Review for 2024 [See if They’re a Good Fit]

Use our State Farm car insurance review to explore rates starting at just $30/month for good drivers, along with comprehensive coverage options.

While State Farm excels in customer service and offers a wide variety of benefits, rates can vary based on factors like driving history, vehicle type, and location.

State Farm Insurance Rating

Rating Criteria
Overall Score	4.3
Business Reviews	5.0
Claim Processing	4.3
Company Reputation	4.5
Coverage Availability	5.0
Coverage Value	4.2
Customer Satisfaction	4.1
Digital Experience	4.5
Discounts Available	5.0
Insurance Cost	3.9
Plan Personalization	4.5
Policy Options	3.8
Savings Potential	4.3

Learn more about State Farm’s discounts for safe driving and bundling, and how it compares to competitors in cost and coverage. Compare car insurance by coverage type to understand the differences in policies and determine if State Farm is the right choice for you.

Stop overpaying for car insurance. Enter your Zip code into our free quote comparison tool, and we’ll give you quotes from the best providers in your area.

What You Should Know About State Farm Insurance

State Farm offers reliable customer service and a simple claims process nationwide. However, for cheap car insurance, it may not be the best choice for inexperienced drivers or those with poor driving records.

State Farm also doesn’t have some discounts available at competitors, such as for federal employees and green vehicles. The key to getting the best rates is comparing quotes based on your individual circumstances and budget.

State Farm Car Insurance Monthly Rates by Coverage Level, Age, and Gender

State Farm’s car insurance rates depend on age, gender, and coverage level. This breakdown shows how premiums vary between minimum and full coverage for different age groups, with rates generally decreasing for drivers 30 and older. Use this guide to better understand State Farm’s rate structure and find the best full coverage car insurance option for your needs.

This table shows various coverages by State Farm under different conditions of coverage, age, and gender of the driver. The table shows the difference in rates arising from minimum and full cover for drivers of different age groups. Much younger drivers tend to pay a lot for the cover, as would be expected: 16-year-old males pay $349 for full coverage while their female counterparts pay $311.

State Farm Insurance Monthly Rates by Coverage Level, Age, & Gender

With increased age comes a decrease in rates; persons aged 30 years and above pay as low as $76 for full coverage, irrespective of gender. The breakdown herein gives a good overview of how the premium changes with age and coverage type, which can help in explaining the cost differences among different drivers.

Knowing how age and coverage type factor into your monthly premiums with State Farm will help you choose the best policy to suit your needs. Based on this rate table, you will have a better understanding of how your demographic factors into the cost of your auto insurance. Make sure to compare coverage options and rate to find the best deal for your situation.

State Farm Car Insurance Rates by Driving History: Minimum vs. Full Coverage

The premium rates are lower for drivers with a clean record, while the rates are high for drivers with violations. A sure way to get cheap car insurance after a DUI is to compare the rates from several insurers.

This table shows State Farm’s monthly rates based on driving record, comparing premiums for minimum and full coverage. The drivers who have had a clean record, therefore, face the lowest rate inclusive of the ones with a case of DUI. This is telling of how driving history effects each different cost.

Knowing how your driving record affects car insurance is an important aspect in decision-making. Use this breakdown to understand how at-fault accidents or DUIs will increase rates, and a clean driving record will yield savings over time.

State Farm vs. Top Competitors: Car Insurance Rates by Age & Gender for Drivers 16-18

Find comparison in this article that juxtaposes State Farm’s rate when you bought an automotive vehicle with top competitors out in the market, including top reinsurers Geico, Allstate, and Progressive drivers of age 16 onto 18. It puts a view on premium variation upon aging and gender that helps out in deciding on the eventual best provider.

State Farm Car Insurance Monthly Rates vs. Top Competitors by Age & Gender

Insurance Company	Age 16 Female	Age 16 Male	Age 18 Female	Age 18 Male
	$280	$300	$260	$290
	$260	$280	$250	$270
	$250	$270	$240	$260
	$230	$250	$220	$240
	$290	$310	$270	$300
	$240	$260	$230	$250
	$260	$280	$250	$270
	$250	$270	$240	$260
	$270	$290	$260	$280
	$220	$240	$210	$230

This table compares monthly car insurance rates with State Farm’s car insurance rates, alongside top competitors for drivers aged 16 to 18. It highlights premium differences by age and gender, helping you see how State Farm fares against providers like Geico, Allstate, and Progressive. Compare monthly car insurance rates to make the best decision for your coverage needs.

Keep this comparison in mind to understand how the rates from State Farm compare with other major insurers for young drivers. Take this home and find the best car insurance deal for your age and gender.

Essential Vehicle and Personal Protection Coverage for Your Car and Well-Being

Key car insurance coverages that protect your vehicle and well-being include vehicle protection and personal protection. The protection for the vehicle will also include indemnification against an accident, theft, or even a natural disaster. Personal Protection covers medical expenses and some other crucial expenses that could provide one with financial security when needed.

Vehicle protection covers the damages to your car, including collision, comprehensive, and uninsured motorist coverage that will keep you financially protected against any accidents, theft, or natural disasters.

• Collision Car Insurance: Provides coverage for repairs or replacement of your vehicle after an accident, regardless of who is at fault.
• Comprehensive Car Insurance: It basically covers the cost of damages to your vehicle when such damages are not considered a collision, such as storm damage, vandalism, hitting an animal, among many others.
• Emergency Road Service:This offers emergency roadside assistance for everyday problems to get you back on the road, covering things like flat tire changes, jump starts, fuel deliveries, and lockout.
• Rental Car Reimbursement Coverage: This pays for the cost of a rental car while your vehicle is being repaired from a covered loss, ensuring you remain mobile during the repair process.
• Mechanical Breakdown Coverage: Covers repairs for vehicle components that fail due to mechanical issues, excluding normal wear and tear or improper maintenance.

Understanding car accidents, personal protection is a type of car insurance coverage designed to safeguard you and your passengers in the event of an accident. Typically, this includes medical expenses, lost wages, and other necessary costs resulting from injuries sustained in a car accident, providing the support you need during such situations.

It typically includes medical payments coverage, personal injury protection (PIP), and other benefits to cover medical expenses, lost wages, and other related costs.

• Medical Payments Coverage: Covers medical payments for you and your passengers in the event of an accident, regardless of who’s at fault.
• Personal Injury Protection: Pays your medical expenses for you and passengers in your car, plus your funeral costs and lost wages, regardless of who is at fault.
• Umbrella Policy: Extends your liability coverage beyond the limits of your standard auto or home policies, offering additional protection for various types of claims.

You can protect your vehicle and health in case of any accident by adding both vehicle protection and personal protection coverage.

Whether you need coverage for vehicle repairs, roadside assistance, or medical expenses, these options offer peace of mind and financial security in a variety of scenarios.

State Farm Insurance Review: Customer Satisfaction, Business Practices, and Pricing Insights

State Farm Insurance business ratings and consumer reviews highlights various performance metrics. J.D. Power gives State Farm a score of 877/1,000 for above-average customer satisfaction, while Consumer Reports rates it 75/100 based on positive feedback.

State Farm Insurance Business Ratings & Consumer Reviews

Agency
	Score: 877 / 1,000 Above Avg. Satisfaction
	Score: C- Below Avg. Business Practices
	Score: 75/100 Positive Customer Feedback
	Score: 0.78 More Complaints Than Avg.
	Score: B Fair Financial Strength

However, the BBB gives State Farm a C- for below-average business practices, and the NAIC reports more complaints than average with a score of 0.78. A.M. Best rates State Farm’s financial strength as fair with a B score.

While State Farm has received strong marks for customer satisfaction and positive feedback, its business practices and complaint levels reflect some areas for improvement. Use this insight to better assess an insurer’s strengths and weaknesses when choosing your insurance.

Comment
byu/kbuckets25 from discussion
inWashington

Reddit user shiftdown shared that they picked State Farm because it was affordable, noting that zip codes can play a big role in determining rates. They also mention that bundling multiple policies, such as car, homeowners, life, and personal property, helped them secure a rate of about $220 per month for all five cars and other coverage.

State Farm scores well in customer satisfaction but faces challenges with business practices and complaints. While its financial strength is fair, bundling home and car insurance can help secure affordable rates. Consider your location and explore the best companies for bundling home and car insurance to make an informed choice.

State Farm Car Insurance: Affordable Rates and Reliable Coverage

State Farm provide some of the lowest auto insurance quotes starting as low as $30/month for good drivers, and has superb customer service and easy claim process. It has wide coverage options, but rates can be variable based on your driving history, location and other factors that affect car insurance rates.

State Farm offers various discounts, such as multi-policy and safe driving savings, though it may not include some perks that competitors provide. While it has faced some challenges with its business practices, it continues to be a dependable option for many drivers. Be sure to compare quotes to find the best deal that suits your specific needs.

Finding affordable car insurance doesn’t have to be complicated. Just enter your ZIP code into our free comparison tool to uncover the lowest rates in your area.