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State Farm Insurance review 2024

Updated May 09, 2024
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

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BEST INSURANCE COMPANY FOR TERM AND UNIVERSAL LIFE

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Rating: 4.3 stars out of 5
Bankrate Score
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Rating: 4.3 stars out of 5

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Cost & ratings

Rating: 4.3 stars out of 5

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Rating: 4 stars out of 5

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Rating: 4.4 stars out of 5

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Rating: 4.2 stars out of 5

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Cost & ratings

Rating: 4.5 stars out of 5

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Rating: 3.7 stars out of 5

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Support

Rating: 4.3 stars out of 5

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About Bankrate Score

Policyholders who value a personalized experience through a local agent, bundling insurance policies with the same company and highly rated customer service might consider State Farm as their company of choice.

Who State Farm may be good for: State Farm may be a good option for drivers looking for a full coverage policy; State Farm rates are generally cheaper and it offers a wealth of insurance discounts.

Who State Farm may not be good for: Homeowners looking to craft a highly customized policy may not be a great fit for State Farm, as it does not advertise many home endorsements online.

New

What’s new with State Farm?

In May 2023, State Farm announced that it would no longer write new home insurance policies in California, citing “historic increases in construction costs outpacing inflation, rapidly growing catastrophe exposure, and a challenging reinsurance market” as the main motivators behind the decision.

State Farm car insurance

State Farm car insurance received a high Bankrate Score of 4.2 out of 5.0. To assign this Score, our insurance team conducted a State Farm insurance review that analyzed discount availability, customer satisfaction scores and financial strength ratings. The company ranked above the industry average in the J.D. Power 2023 U.S. Auto Insurance Study in all regions and boasts a financial strength rating of A++ (Superior), the highest rating possible from AM Best.

Founded in 1922, State Farm is a full-lines insurer that writes new auto and home policies in all states except Massachusetts and Rhode Island. The company could be a good choice for drivers looking for the personal touch of a local agent, lower-than-average premiums and top-notch customer service. It may also be a good choice for those seeking to improve their driving habits with its Drive Safe and Save telematics program.

State Farm offers all the coverage types required in various states, including bodily injury liability, property damage liability, uninsured motorist, underinsured motorist, medical payments and personal injury protection. You can also find optional coverage for comprehensive, collision, emergency road service, ridesharing, and car rental and travel expenses.

Pros and cons of State Farm car insurance

When shopping for the best car insurance, many companies may seem similar, but a list of pros and cons could help you differentiate one carrier from another. Here are some of the perks and drawbacks we identified with State Farm car insurance:

Pros
  • Numerous discounts available, including a telematics program and savings aimed toward young drivers

  • Highly-rated mobile app for hands-on policy management

  • Plenty of agencies located across the country

Cons
  • Gap insurance is not available

  • Cannot purchase accident forgiveness

  • No live chat

State Farm car insurance cost

State Farm’s average annual full coverage premium is $2,406 per year, and its average minimum coverage premium is $713 per year. The company’s average rates are lower than the national average cost of car insurance, which sits at $2,299 per year for full coverage and $637 per year for minimum coverage, based on Bankrate’s study of quoted annual premiums from Quadrant Information Services.

State Farm car insurance rates by driving history

Bankrate sources proprietary rate data from Quadrant Information Services to track premium trends over time. We also use this data to see how different types of drivers (and driving records) stack up against each other regarding car insurance quotes.

Auto insurers may use several personal factors to determine your premium. The violations and accidents on your driving record may significantly impact your car insurance rates, as demonstrated by the tables below.

State Farm full coverage premium National full coverage premium
Clean driving history $2,406 $2,299
Speeding ticket conviction $2,737 $2,773
At-fault accident $3,045 $3,280
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Bankrate’s take: Because State Farm does not write car insurance policies for drivers with DUI convictions, we have excluded DUI rates from the table above. If you have a DUI conviction on your record, you may want to get a quote from an insurer that specializes in high-risk auto insurance.

State Farm car insurance quotes by age

Statistics show that younger drivers, especially teens, are at higher risk of accidents, and car insurance companies typically charge these drivers more expensive premiums to offset this risk. How much younger drivers will pay may also depend on if they are listed on their parent's policy or have a policy of their own. The rates below were calculated based on drivers with clean driving records. 

Average cost of car insurance for drivers on their parents’ policy

State Farm full coverage premium National full coverage premium
Age 16 $4,987 $5,015
Age 17 $4,579 $4,633
Age 18 $4,304 $4,333
Age 19 $4,013 $3,754
Age 20 $3,811 $3,505

Average cost of car insurance for drivers on their own policy

State Farm full coverage premium National full coverage premium
Age 18 $6,408 $6,419
Age 25 $2,833 $2,852
Age 30 $2,475 $2,450
Age 40 $2,406 $2,299
Age 60 $2,208 $2,087

State Farm car insurance discounts

If you're looking for cheap car insurance, State Farm offers robust auto insurance discounts to supplement its already low average premiums. The following discounts and programs may save you money:

Drivers under the age of 25 in eligible states could qualify for a discount for maintaining a clean driving record, recording their trips on a mobile app and completing a safe driver program that involves quizzes and video tutorials.
Drivers under the age of 25 in eligible states could qualify for a discount for maintaining a clean driving record, recording their trips on a mobile app and completing a safe driver program that involves quizzes and video tutorials.
You may save if you are a high school or college student with a grade point average equivalent to a “B” or higher.
You may save on your premium if you insure more than one vehicle with State Farm.
This usage-based insurance telematics program may offer drivers a premium discount up to 30 percent by tracking your safe driving habits.
Policyholders in certain states may earn a discount for completing a defensive driving course.
New policyholders may get a discount for remaining at-fault accident and violation-free for at least three consecutive years.

The company offers other additional discounts that may help you save, but availability may vary by location. The best way to determine which discounts apply to you may be to check with a local State Farm insurance agent.

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State Farm home insurance

With a Bankrate Score of 4.2, State Farm stands out in the homeowners insurance market for high customer satisfaction scores, superior financial strength and nearly nationwide availability. State Farm is the largest home insurance company in the country by market share and consistently ranks above average in customer and claims satisfaction, per J.D. Power.

In addition to standard coverages such as dwelling, personal property, liability and additional living expenses, the company offers a unique fire safety program through its partnership with Ting. Policyholders may be eligible for a free device that monitors their home’s electrical systems and alerts homeowners of potential fire hazards. Another standout feature is State Farm’s Premier Service Program, which may help eligible policyholders find reputable contractors after a loss. These contractors also guarantee their repairs for five years.

Pros and cons of State Farm homeowners insurance

Looking for the best homeowners insurance coverage may seem daunting, but Bankrate can help. Looking at the pros and cons of State Farm homeowners insurance may help you evaluate the company holistically and decide whether or not to request a quote.

Pros
  • Scored above the industry average for claims and overall satisfaction per J.D. Power

  • Policyholders may qualify for a free fire hazard monitoring device

  • Roofing discounts available in certain states

  • 19,000 agents nationwide for customers who prefer face-to-face service

Cons
  • Fewer homeowners insurance discounts compared to some companies

  • Premiums higher than the national average

  • May need to speak with an agent to get a full view of the company’s homeowners endorsement options, as they are not listed on its website

  • Not available in CA, MA and RI

State Farm home insurance cost

The national average cost of homeowners insurance in May 2024 was $2,153 per year for $300K in dwelling coverage. The average cost of State Farm home insurance is $1,795 per year. Although State Farm may not be the best choice for those seeking the cheapest homeowners insurance, State Farm’s high third-party ratings, wide range of coverage options, exceptional claims handling and excellent customer service may be worth the additional premium.

Dwelling coverage limit State Farm average premium National average premium
$150K dwelling $1,175 $1,293
$300K dwelling $1,795 $2,153
$350K dwelling $1,983 $2,447
$450K dwelling $2,398 $3,034
$750K dwelling $3,544 $4,758

State Farm home insurance discounts

State Farm’s average annual premiums are a bit higher than the national average, but the company offers a few discounts that may help you save on your home insurance costs:

You may save on your auto and homeowners insurance premiums if you bundle these insurance policies with State Farm.
Homeowners in eligible states could get a discount for having an upgraded, weather-resistant roof.
If you install fire, smoke or burglar alarms in your home may help you shave some money off your State Farm home insurance premium.
A higher deductible will almost always reduce your insurance premium — but you may want to consult with a licensed insurance professional before making the switch. Having a high-deductible home insurance plan means that you are agreeing to pay more out-of-pocket when you file a claim.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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State Farm life insurance

State Farm was awarded a Bankrate Award for best term life insurance due to its many term options, excellent third-party customer satisfaction scores and its offering of no-medical exam coverage. State Farm was also awarded the 2024 Bankrate Award for best universal life insurance company. State Farm life insurance may be best for those looking for a wide array of policy types. The company also ranked first for overall customer satisfaction in the 2023 U.S. Individual Life Insurance Study from J.D. Power. Additionally, State Farm was included on Bankrate’s list of the best cheap life insurance companies.

No matter what type of life insurance policy you’re looking for, you’ll likely find it at State Farm. The company offers four different types of life insurance products: term, whole, universal and variable. If you’re unsure which policy type is right for you, your local State Farm agent may be able to help you assess your needs and choose coverage

Bankrate's image file
BANKRATE AWARD WINNER FOR BEST TERM LIFE INSURANCE COMPANY

Why State Farm won

After analyzing life insurance offerings from dozens of insurance companies, Bankrate's 2024 award for Best Term Life Insurance Company goes to State Farm. State Farm is one of the largest insurers in the U.S., and its term insurance stands out for its affordability and coverage options.

State Farm's term life insurance is available in 10-, 20- and 30-year terms. These policies are renewable until age 95, and premiums may be returned in the event that the policyholder outlives the term. State Farm's Instant Answer Term Insurance does not require a medical exam and may be a good option for customers looking for a baseline level of life insurance at an affordable price.

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BANKRATE AWARD WINNER FOR BEST UNIVERSAL LIFE INSURANCE COMPANY

Why State Farm won

State Farm’s high J.D. Power customer satisfaction score and superior financial strength rating from AM Best helped it pick up a second Bankrate Award for Best Universal Life Insurance Company.

Universal life insurance policies allow policyholders to alter their benefits and premiums over time to meet their changing financial needs. With State Farm’s robust digital tools and large agent network, policyholders can find the support they need no matter how they prefer to manage their policy. State Farm’s universal life insurance policy is highly customizable, offering two death benefit options and multiple policy riders.

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Pros and cons of State Farm life insurance

This list of pros and cons may help streamline your comparison of life insurance quotes:

Pros
  • High customer satisfaction

  • Life insurance claims can be filed over the phone and online

  • Instant Answer term life does not require a medical exam

Cons
  • Quotes for whole life policies are not available online

  • Not available in MA, NY or WI

State Farm life insurance endorsements

Both term life insurance and permanent life insurance policies at State Farm can be tailored to your needs with a variety of endorsements. You may add endorsements to your policy, but keep in mind that each one you add will likely increase the cost of life insurance.

This endorsement ensures that if you become disabled for six continuous months or more, you won’t be required to pay your premium for the duration of your disability.
This option adds temporary coverage to eligible life insurance policies and may pay out a small death benefit if your child were to pass away up to the age of 25.
Pairing the guaranteed insurability option with State Farm’s waiver of premium for disability rider may allow you to prepare in advance for when you need additional coverage without the need for a medical exam.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Compare State Farm with other insurers

After reading this State Farm Insurance review, you might not be sure if State Farm is the right company for your insurance needs. In this case, you could consider comparing quotes from these similar insurance companies:

Badge 1 Featured

State Farm

State Farm
Rating: 4.3 stars out of 5
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Rating: 4.4 stars out of 5
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Rating: 4.4 stars out of 5
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Allstate

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Rating: 4.1 stars out of 5
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Rating: 3.8 stars out of 5
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Rating: 4.5 stars out of 5
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Rating: 4 stars out of 5
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Rating: 4.1 stars out of 5
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Rating: 4.2 stars out of 5
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Rating: 4.4 stars out of 5
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OVERVIEW
Info
Like State Farm, Allstate has an extensive network of local agencies that may help you manage your policies in person. If you prefer digital tools, the company offers an online policy portal and a mobile app. You may also be interested in Allstate’s DriveWise telematics program, which may help you save on your car insurance premium. However, Allstate does have a higher NAIC complaint index for both auto and home insurance.
Travelers may be a good option for environmentally-conscious shoppers due to its unique discount opportunities for those who drive an electric or hybrid vehicle or own a home that is LEED certified. However, it may be important to note that Travelers does not offer life insurance and scored below average in J.D. Power's auto and property claims satisfaction studies.
STANDOUT FEATURES
Info
Online Reviews
Robust digital tools
Congrats
Multiple reward options
Auto Car
Teen driving training program
Cd
Sells many types of coverage
Loan
Hybrid/electric car discount
Online Best
Online quotes available
AVG FULL COV. AUTO RATE
Info
$2,977 $1,565
J.D. POWER AUTO SCORE
Info
889/1000 854/1000
AVG HOME RATE
Info
$1,917 $2,312
J.D. POWER HOME SCORE
Info
809/1000 790/1000
AM BEST RATING
Info
A+(Superior) A++(Superior)

Is State Farm a good insurance company?

Bankrate’s insurance editorial team has real-life experience handling the insurance needs for thousands of people across the country. To help give our readers vital information that can help them choose the best company for their circumstances, we use our four decades of combined experience to conduct thorough and honest insurance company reviews, like this State Farm insurance review.

With that in mind, State Farm could be a good company, but it depends on your needs. It’s the largest insurer in the country by market share, and it offers a wide range of insurance products and financial services. Whether you like to do business in an office or online, State Farm could accommodate you. However, it may not offer as many discounts or endorsements for homeowners insurance as other companies. If these are a priority for you, it may be a good idea to contact a local State Farm agent to discuss your options before making the switch.

State Farm customer satisfaction

To evaluate customer satisfaction, Bankrate’s insurance editorial team uses a few third-party metrics, including scores issued by J.D. Power in its several different U.S. insurance studies. J.D. Power ranks insurance companies for overall customer satisfaction, claims satisfaction and digital experience for sales and service. The best score possible is 1,000; the higher a company’s score, the more satisfied its customers may be. In addition to J.D. Power scores, we also review AM Best financial strength ratings.

Study or Rating Agency State Farm Industry average
2023 J.D. Power Digital Experience Study - Service 714/1,000 702/1,000
2023 J.D. Power Digital Experience Study - Shopping 532/1,000 521/1,000
AM Best rating A+ (Superior) B (Fair)

State Farm scored above average for overall customer satisfaction in the J.D. Power 2023 U.S. Auto Insurance Study in all regions. It even secured the top spot in the Southwest region and in Florida. It also scored above the industry average in the 2023 Auto Claims Study. This data could indicate that customers are generally satisfied with State Farm auto insurance.

J.D. Power Auto Claims Satisfaction Study

State Farm customer complaints 

Bankrate also evaluated how State Farm ranked in the National Association of Insurance Commissioners (NAIC) complaint index. The NAIC complaint index tracks complaints filed by real State Farm customers for different insurance products, like home and auto policies, and awards a score. An insurance provider will have multiple scores: an overall one as a company, and a score for each insurance product it offers. 

The NAIC sets its baseline at 1.00, and a score lower than that indicates that an insurance company receives fewer complaints than expected. As you may expect, a score higher than 1.00 indicates that a company receives more complaints than expected. State Farm’s overall complaint index skews higher, sitting at 1.48. Its overall score is a combination of all of its insurance products and could be thrown off by its commercial liability insurance sky-high score of 44.95. Its scores for personal auto insurance and home insurance are much more favorable. 

In 2022, State Farm scored a .70 on the NAIC complaint index, a healthy .30 below the industry average. This score could suggest that, as a whole, State Farm car insurance customers are satisfied with their policies and write relatively few complaints. 

State Farm scored even better in the home insurance category, with its 2022 score sitting at just .35. Although State Farm does not advertise many home insurance endorsements, its home insurance policyholders appear to be quite satisfied. 

Other State Farm tool and benefits

State Farm offers several benefits that may make the carrier worth looking into. These include:

  • Landlord and renters insurance: If you own a property that you rent out to tenants, you might be interested in State Farm's rental insurance. This landlord insurance offering includes standard coverage as well as coverage for loss of rent due to a covered peril. For renters, State Farm also writes some of the best rental insurance policies.
  • Umbrella insurance: Umbrella insurance may help protect your finances by paying additional liability coverage for home and auto policies in the event of a major liability claim or lawsuit.
  • Pet insurance: State Farm partners with Trupanion to provide insurance for your cat or dog. 
  • Identity theft protection: For around $25 per year, you may add identity theft protection to your home, condo or renters insurance policy. Policies are available in all states except for North Carolina. 
  • Boat insurance: State Farm’s standard boat insurance policy includes liability coverage in addition to protection from sinking, storms, theft and other perils. 
  • Condominium insurance: You can purchase condo, or HO-6, insurance from State Farm if you cannot get insurance through your condo association.
  • Personal banking: State Farm offers a suite of personal banking products through its partnership with US Bank, like credit cards and checking accounts.

Frequently asked questions about State Farm

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Methodology

Auto

Bankrate utilizes Quadrant Information Services to analyze May 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female homeowners with a clean claims and incidents history, good credit and the following coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Homeowners

  • Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. 
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
Written by
Natalie Todoroff
Writer, Insurance

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute