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State Farm Insurance

State Farm offers homeowners, auto, life, and health insurance coverage and is the top insurance provider in the United States. The company tops the charts because of its exemplary customer service, variety of insurance products, financial strength, and involvement in the community. The company offers coverage discounts and other incentives to encourage individuals to choose State Farm as their insurance company.

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Home » Companies » State Farm Insurance

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Feb 28, 2023

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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

UPDATED: Feb 28, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

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State Farm Insurance

Average monthly rate for good drivers:

$86

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • Excellent customer service
  • Wide range of insurance coverage options
  • Financially strong

Cons

  • Rates are slightly higher than the national average
  • Weak international presence
  • Claims process can be slow

The Bottom Line

Excellent customer service, a wide range of insurance options, financial strength, and community involvement. Those are the top ways State Farm stands above the rest.

While State Farm is an excellent choice for many people, it’s important to remember that different insurance companies may specialize in various types of insurance or have a stronger presence in certain regions, so it’s always a good idea to shop around and compare different insurance providers before deciding.

From auto and home insurance to financial services and more, State Farm has a wide range of products and services to meet the needs of its customers.

State Farm is the #1 insurance provider in the United States, and it’s easy to see why. This company has been around for over 100 years and has built a reputation for being the go-to choice for millions of Americans, but what exactly sets State Farm apart from its competitors?

According to an insurance business magazine, State Farm owns 9.3% of the market share in the United States. That may not sound like much, but that’s $65 billion in revenue coming into the company, so it’s a significant share. They rank alongside Progressive, Berkshire Hathaway, and other well-known companies, but State Farm dominates the industry.

Is State Farm Insurance a Good Choice?

Founded in 1922 by George Jacob Mecherle in Illinois as a mutual auto insurance company, State Farm was originally a single-line auto insurance company. Now the company has over 100 services and products and insures more homes and cars than any other insurance company in the United States.

The company is ranked #44 on the Fortune 500 list, with 65,000 employees and 18,000 agents. It has over 80 million policies and accounts, and its bank has over $15 billion in assets.

Here are the main factors that set State Farm apart.

State Farm’s Excellent Customer Service

State Farm stands out because of its focus on customer service. The company has a vast network of agents spread across the country, so policyholders can easily find an agent near them to help with any questions or concerns.

It is also important to note that State Farm operates as an agency-built company. That means that the company relies on a network of independent agents to sell and service its insurance policies.

This business model gives State Farm a unique advantage over its competitors, allowing the company to have a local presence in communities across the United States.

State Farm’s Wide Range of Insurance Options

Another reason State Farm is a top choice among consumers is its vast selection of insurance types and coverage plans.

This provider offers a variety of insurance products for both individuals and businesses, including auto and home insurance, life and health insurance, and much more. They do it all.

This means that whatever your insurance needs are, State Farm has you covered. They provide boat, life, home, commercial, and pet insurance, among many others, and have significantly impacted the market through their agencies.

They understand that every customer is unique, and they offer a variety of insurance products to fit every lifestyle and budget, from auto, home, life, and health insurance to provide comprehensive coverage for all your needs.

State Farm’s Financial Strength

When it comes to insurance companies, financial strength is crucial. After all, you want to make sure that the company you’re entrusting with your protection has the resources to pay out claims in the event of a disaster. And that’s exactly what makes State Farm stand out from the rest.

State Farm is financially strong and well-capitalized, with deep pockets and a solid financial foundation. This gives policyholders peace of mind, knowing that their insurance provider has the resources to pay out claims even in the event of a major catastrophe.

Think of it this way: the foundation is the most crucial part of building a house. Without a solid foundation, the house can’t stand. Similarly, an insurance company can’t stand the test of time without a strong financial foundation.

And that’s why State Farm has invested in building a solid financial foundation to ensure they can weather any storm and be there for their customers when they need them the most.

But State Farm doesn’t just have a strong financial foundation — they also have a long-term vision. They have been around for over a century and plan to be around for over a hundred more. This is why they are constantly working to maintain their financial strength and stability, to continue to provide the best possible service to their policyholders for years to come.

State Farm’s Commitment to the Community

State Farm is not just an insurance provider — it’s a company that genuinely cares about the communities it serves. The company strongly focuses on community involvement and giving back, which is one of the things that sets it apart from other insurance providers.

State Farm is actively involved in charitable causes, supporting education, and promoting safety. The company is committed to positively impacting the communities where it operates and does this through various initiatives and programs. For example, State Farm’s “Good Neighbor Citizenship” program encourages and supports volunteerism, disaster preparedness, and community development efforts.

Additionally, State Farm is a strong supporter of education and has various scholarships and grants available to students. They also have programs that promote financial literacy and help students plan for their future.

State Farm also puts a lot of effort into promoting safety on the road, at home, and in the community. They have campaigns and programs that educate the public about traffic safety, fire safety, and other safety-related topics.

State Farm Insurance Rates

When compared to other companies, State Farm typically offers full coverage auto insurance for around $86 per month.

Average Monthly Full Coverage Auto Insurance Rates for the Top Auto Insurance Companies
Insurance CompanyAverage Minimum
Coverage Rates		Average Full Coverage Rates
Geico$290$80
State Farm$408$86
Travelers$471$99
Progressive$484$105
National Average$541$120
American Family$582$117
Nationwide$588$115
Allstate$605$160
Farmers$674$139
Liberty Mutual$771$173

State Farm’s rates are not typically the cheapest available. Still, its rates are fairly competitive and affordable.

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State Farm Insurance Discounts Available

Discounts are a great way to save on insurance, and State Farm has quite a few auto insurance discounts available. Some of the company’s most popular discounts include:

  • Good driving
  • Good student
  • Accident-free
  • Drive Safe and Save
  • Multi-car
  • Bundling
  • Safety features
  • Young driver education
  • Student away at school
  • Passive restraints

Availability varies by state, so you’ll need to check the State Farm auto insurance discount list with a representative if you’re interested in buying a policy. Certain discounts with the company may help you save up to 25% on your auto insurance coverage.

State Farm Insurance Coverage Options

State Farm offers a variety of coverage options for policyholders. Depending on what you’re looking for, State Farm may have multiple insurance products that meet your needs. If you purchase more than one insurance policy with State Farm, you may be able to save money with a bundling discount.

Auto Insurance

One of State Farm’s most popular insurance products is its auto insurance policies. State Farm offers a variety of auto insurance coverage, including:

  • Liability coverage
  • Medical payments coverage
  • Collision coverage
  • Comprehensive coverage
  • Uninsured motor vehicle coverage
  • Underinsured motor vehicle coverage

The company also offers add-on coverage options designed to allow policyholders to customize their policies to meet their unique needs. Some of the company’s most popular add-on auto insurance coverage options include:

  • Rental car reimbursement
  • Emergency roadside assistance
  • Pay-per-mile insurance
  • Usage-based coverage
  • Rideshare insurance

State Farm offers auto insurance for standard vehicles as well as classic and vintage cars. Additionally, policyholders can purchase auto insurance for RVs, ATVs, and other vehicles.

Homeowners Insurance

State Farm offers coverage for homeowners, condo unit owners, manufactured homeowners, renters, farms and ranches, and small business owners. Homeowners insurance does not cover bodily injury or property damage by uninsured peoples, business pursuits, professional services, or ownership, operation, use, or maintenance of motor vehicles, aircrafts or certain watercrafts.

Health Insurance

State farm offers multiple health plans including: individual medical coverage, Medicare supplemental insurance, Medicare part D coverage, and supplemental health insurance. The company also offers supplemental health insurance for things like: unexpected child care, private room fees, and extra phone calls to friends/relatives. State Farm offers disability income insurance, mortgage disability income insurance, and individual credit disability insurance. They also offer a long-term care insurance policy.

Life Annuity Insurance

State Farm offers term life, whole life, universal life, and variable universal life policies. The company also offers small business life insurance with business continuation, key employees, employee benefits, and key employee incentives.

Specialty Insurance

State Farm offers insurance for various sports and leisure vehicles and identity protection.

Frequently Asked Questions

Is State Farm a good auto insurance company?

State Farm tops the charts for auto insurance coverage. Customers with State Farm cite the company’s excellent customer service department as one main reason for purchasing a policy. Individuals with bad credit or multiple accidents on their driving records may pay higher-than-average rates for auto insurance with the company.

Where can I get State Farm insurance?

State Farm coverage is available in all 50 states and Washington, D.C. Interested individuals can purchase insurance coverage with State Farm online, over the phone, or in-person with a State Farm agent.

Does State Farm insure homes with pitbulls?

State Farm does not restrict home insurance policies based on dog breeds. Instead, the company considers each dog’s bite history to determine whether it will offer coverage.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Reviews
for State Farm Insurance

4.10 (17,743 reviews)
1
February 18, 2023

Cristel94

No accountability from them

I had an accident a while back and they got my car fixed at a location THEY recommended. I had it fixed (according to the location) and I left just fine. Exactly one year later I’m starting to have issues with my car and after a few discoveries, I knew it stemmed from that accident. I called State Farm and they had me take it to get looked at and go from there. I took it to a collision center and waited for my car to get looked at. It has been ...
I had an accident a while back and they got my car fixed at a location THEY recommended. I had it fixed (according to the location) and I left just fine. Exactly one year later I’m starting to have issues with my car and after a few discoveries, I knew it stemmed from that accident. I called State Farm and they had me take it to get looked at and go from there. I took it to a collision center and waited for my car to get looked at. It has been a mess from there and I had no car for about a month! In that month it was full of no communication from their end, and no responsibility and accountability over something I was 100% sure stemmed from that accident, seeing as my car was perfectly fine before. I have received mostly bad customer service from workers there who spoke to me with little patience, condescending tones and if I was a disturbance, as if I haven’t been a loyal customer for YEARS. Everyone who was helping me with this case outside of the state farm team has been super helpful and patient because they understand how much of a stress this can be to someone. In the end I had two different people come out to estimate my car, the second time me being there to help them understand what they need to be looking at. The estimator the second time even saw defects the previous people who fixed my car had done. I’m the end, they still didn’t believe it was from this, but instead because this was originally a salvage vehicle so it MUST be from that. Ignoring the fact that my car was perfectly fine beforehand and had no issues with ANYTHING, including getting it aligned. Distraught, I had to drive an unsafe vehicle for a week, clutching at the wheel and hoping I can make it to and from my destinations, until I had a body shop guy look at my car and see what was going on. I took it today and he said, just as I imagined, the entire issue was from the side where (shock!) the accident occurred! The left side was fine. As soon as I fix the right side, my car should be fine. The previous people who had my car literally destroyed my vehicle and even caused me to have a what could have been deadly accident where my tire split, and State Farm simply backed them up (not to mention that place closed so that shows how “reputable” they were) instead of supporting a loyal customer for years. We pay hundreds to insurance companies a month and the rare times we need them to use the money we give them, they treat us like crap and take no responsibility for taking us to a place that don’t fix my car and almost had me killed. I’m not even typing out all the small details on this issue and look how long this review had to be! Truly I may just switch insurances because this has been such a horrible experience and I hope the next place actually cares about their customers. “Like a good neighbor, State Farm is there”? Lmao if they were my “good neighbors”, I’d close my blinds and ignore them if they rang my doorbell to come over…
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1
February 3, 2023

Nsu_1617

State Farm Insurance is really bad!!!

Here in Maryland, State Farm has a lion's share of car insurance. Everywhere you look, there an agent. I used to have a policy with them, but changed to a competitor when they their rates. Long story short, my wife was involved in an auto accident with their client who changed lanes, drove into my wife's leading to a collision with damage to my wife's front bumper. State Farm kept stringing me on for two weeks and eventually refused to pay for da...
Here in Maryland, State Farm has a lion's share of car insurance. Everywhere you look, there an agent. I used to have a policy with them, but changed to a competitor when they their rates. Long story short, my wife was involved in an auto accident with their client who changed lanes, drove into my wife's leading to a collision with damage to my wife's front bumper. State Farm kept stringing me on for two weeks and eventually refused to pay for damages. Every time I called, a representative was giving me a different story. The company sucks.
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1
January 8, 2023

Jessiejjj

Horrendous Property Department service. Don't use State Farm

State Farm property department is horrendous. They take pleasure rejecting legitimate claims. We are customer for almost 20 years. In a recent accident, my car needs transmission replacement. Instead of helping me to figure out a way to reduce costs, [REDACTED NAME], a representative in their Property department kept reading their standard clauses in front of her to me like a 10 year old student reciting a textbook. When asking to talk to her ma...
State Farm property department is horrendous. They take pleasure rejecting legitimate claims. We are customer for almost 20 years. In a recent accident, my car needs transmission replacement. Instead of helping me to figure out a way to reduce costs, [REDACTED NAME], a representative in their Property department kept reading their standard clauses in front of her to me like a 10 year old student reciting a textbook. When asking to talk to her manager, she rejected my request right away. Instead, she called back later and said she did talk to the manager and rejected the claim of covering my transmission and happily send a rejection letter to me. It sounds like she wi take some credits for rejecting a legitimate claim on her resume.
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1
November 28, 2022

Kelli_D

Pray your never hit by a statefarm holder

Pray you never get hit by someone with statefarm. I was hit in August and still haven't received compensation. They will tell you one thing and it be completely different the next. Everyone is very unprofessional and disorganized. Telling me I'll have my money soon then Telling me "oh no one has reviewed it" while multiple people have opened the documents but no ones ok-ing things. Does someone need to sue this company to get anywhere???
5
November 21, 2022

KaraT

[REDACTED NAME] is the BOMB!!!

I had just lost my mom my dad is in and out of ICU my daughter has special needs and I have lupus. I spoke with this lady named [REDACTED NAME] and she Was absolutely phenomenal she was kind understanding and empathetic and did her job with a level of professionalism that I haven’t seen in a long time. I am also a domestic violence survivor and the shop we selected was rude and very aggressive towards me I didn’t even feel comfortable checkin...
I had just lost my mom my dad is in and out of ICU my daughter has special needs and I have lupus. I spoke with this lady named [REDACTED NAME] and she Was absolutely phenomenal she was kind understanding and empathetic and did her job with a level of professionalism that I haven’t seen in a long time. I am also a domestic violence survivor and the shop we selected was rude and very aggressive towards me I didn’t even feel comfortable checking on my car and she understood how I was feeling reassured me that she would do her very best and she did! I was so upset but [REDACTED NAME] turned everything around and I’m so grateful that God sent me to her! She was so sympathetic and genuine that it literally changed my whole day and perspective!! Thanks for going BEYOND your job!!! somebody PAY her!!! She DESERVES a RAISE!!
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5
October 22, 2022

S_Khan

Best Insurance Company

We recently had a car accident & an uninsured driver hit our car. State Farm took care of everything for us & it was a very smooth fast process. Special thanks to [REDACTED NAME] she went above & beyond. Her follow up & communication was excellent. I am so happy with State Farm & their service. I highly recommend this company
3
October 15, 2022

Ric75319

Bait and switch

Check your policy carefully. My experience has been that they don’t return emails, didn’t set up my auto policy as agreed on several things such as the payment schedule and deductibles. [REDACTED NAME]’s care of my policy requests was the worst. Super curt in response to a routine emailed policy change and to make matters worse never followed up. Now that I really think about it I’m not even sure how I ended up with this particular locat...
Check your policy carefully. My experience has been that they don’t return emails, didn’t set up my auto policy as agreed on several things such as the payment schedule and deductibles. [REDACTED NAME]’s care of my policy requests was the worst. Super curt in response to a routine emailed policy change and to make matters worse never followed up. Now that I really think about it I’m not even sure how I ended up with this particular location. Somewhere along the way SF did an agent switch without informing me 🤷‍♀️ Lastly as far as banking? Jurassic Park!What a hassle !!! It’s literally been decades since I got a check in the mail!! $5.95 🥹
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3
September 21, 2022

Lovebird

Shocked at service

Just shocked! Been with the company for 12+ years, hit something in my yard, filed a claim, and have yet to hear from a claim agent. I had to reach out myself and did the estimate picture assessment, which was supposed to be 24 to 48 hours, but haven't heard from anyone. Been four days, lack of concern for the customer, I guess that don't have the proper staff, not sure, guessing here. Nothing like what they used to be.
1
July 17, 2022

Joshua03

Claims review from an industry insider

Long story short, I had been a loyal State Farm customer for about 30 years. They recently started giving me a hard time because I like to buy different cars, as I'm an auto enthusiast. I recently rented a vehicle for a family trip and had a minor not-at-fault accident. My agent flat refused to take the claim, first alleging that I HAD TO file with the other insurance company. I declined, and she then told me I had to report the claim online....
Long story short, I had been a loyal State Farm customer for about 30 years. They recently started giving me a hard time because I like to buy different cars, as I'm an auto enthusiast. I recently rented a vehicle for a family trip and had a minor not-at-fault accident. My agent flat refused to take the claim, first alleging that I HAD TO file with the other insurance company. I declined, and she then told me I had to report the claim online. I tried to do that, but was told I couldn't because it was a rental car. I had to call a 800 number. I did so and was told the process takes 20 minutes and the hold time was 25 minutes. I called my agent back and she again refused to help. Needless to say, I have moved to a different carrier as of a few days ago. I am in the same line of work as State Farm, and have been for 25 years. I am deeply familiar with the auto insurance world and the claims process. This level of service is utterly unacceptable and I would NEVER allow such things to occur with my employer. State Farm, you spend an untold fortune advertising your service on all forms of media. However, your actions don't back up your claims (pun intended). I have also interviewed literally dozens of your staff over the years, if not hundreds, and all say the same thing. A poor place to work. You have a lot of work to do, State Farm.
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1
July 8, 2022

ajack

How can State Farm treat me like this????

Back in Jan 2020 (CLMS - 2004G091k) someone from State Farm hit me from behind while driving to work. From the start they claims guy attempted not to fully repair my vehicle claiming all damages were not from the accident. He reviewed the accident site on Google Maps. My car had never been hit or damaged until that day. Fast forward to COVID shut down March 15, 2020 and then being diagnosed with cancer which caused me to stop treatment for neck a...
Back in Jan 2020 (CLMS - 2004G091k) someone from State Farm hit me from behind while driving to work. From the start they claims guy attempted not to fully repair my vehicle claiming all damages were not from the accident. He reviewed the accident site on Google Maps. My car had never been hit or damaged until that day. Fast forward to COVID shut down March 15, 2020 and then being diagnosed with cancer which caused me to stop treatment for neck and back pain from the accident and stay safe at home. I later found a doctor who would treated me for the pain in August 2020. I received his bill which he attempted to turn into the claims department with no success. I then receive the bills which I forwarded to State Farm and I'm told they will not honor them because of the 2 year limitation. The USA was shut down, billing was late, people didn't go to work and so forth. All I asked was to pay a $2,400.00 bill which they didn't pay any of my other bills sent to them. Oh, nor did they pay for the yellow paint and side fender damage on my vehicle either. This is how State Farm treats people their clients hit. I know next time to hire a good lawyer no matter what when hit by a State Farm insured driver.
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