- State Farm auto insurance: Overall verdict
- What auto insurance coverages does State Farm offer?
- How does State Farm insurance rank?
- How much is State Farm car insurance?
- State Farm car insurance rates by state
- State Farm insurance rates for teens
- State Farm insurance rates for adults
- State Farm insurance rates for seniors
- State Farm insurance rates for drivers with tickets, accidents and poor credit
- State Farm insurance discounts and ways to save
- What do people ask about State Farm insurance?
- Resources & Methodology
State Farm auto insurance: Overall verdict
State Farm ratings at a glance:
- Customer satisfaction: 84% satisfaction
- Claims handling: 80% satisfaction
- Recommended to others: 89%
- Trustworthiness: 91%
- Average monthly full coverage rate: $239
State Farm is the largest car insurance company in the country and offers coverage pretty much anywhere you might live, work or drive. Its size comes with some advantages; State Farm can satisfy all your insurance needs. Its financial stability also demonstrates that it will be there for you when you need it most.
At the same time, bigger isn’t always better. State Farm’s premiums are on the pricier side compared to other providers like Erie and Nationwide and if you have a poor credit rating, rates are very high.
Overall, with good ratings for auto claims handling and general customer satisfaction, State Farm ranked fourth on our 2025 Best Car Insurance Companies list.
What auto insurance coverages does State Farm offer?
As the largest car insurance provider in the country, State Farm offers coverage to serve pretty much any driver’s needs. The one exception is gap insurance. Instead of gap insurance, State Farm offers a product called Payoff Protector if you finance a vehicle through State Farm Bank.
All primary car insurance coverage options are available:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings:
- Roadside assistance
- ATV and off-road vehicle
- Classic car
- Rental car reimbursement
- Rideshare coverage (in some states)
How does State Farm insurance rank?
State Farm ranked No. 6 overall on our annual list of the top car insurance providers. It received high marks for auto claims handling and general customer satisfaction, but its premiums are pricier than some providers. State Farm scored above the average of 697 out of 1,000 for claims satisfaction with J.D. Power as well, with a 716.
Here's a look at how it compares to top competitors.
| Company | AM Best | Customer satisfaction | NAIC** | Monthly premium | Overall score |
|---|---|---|---|---|---|
| State Farm | A+ | 84% | 0.869 | $239 | 3.91 |
| Travelers | A++ | 89% | 0.625 | $175 | 4.55 |
| GEICO | A++ | 83% | 0.603 | $179 | 4.5 |
| Nationwide | A | 88% | 0.636 | $205 | 4.19 |
| Progressive | A+ | 78% | 0.604 | $223 | 4.05 |
| Amica | A+ | 77% | 0.588 | $231 | 4.02 |
| Allstate | A+ | 83% | 1.2 | $267 | 3.57 |
| Farmers | A | 84% | 1.239 | $257 | 3.52 |
| USAA* | A++ | 90% | 1.164 | $131 | 4.53 |
*USAA is only available to military members, veterans and their families, and as a result is not ranked.
**The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-average number of complaints.
How much is State Farm car insurance?
Average full coverage rates for a 40-year-old driver with State Farm are $2,874 per year or $239 per month. Compared to major competitors, that’s in the middle; Nationwide comes in at $2,463 a year, while Allstate averages $3,205 a year.
Here is a comparison of rates with several large peers. Premiums are based on full coverage insurance at 100/300/100, with a $500 collision/comprehensive deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim..
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| State Farm | $2,874 | $239 |
| Allstate | $3,205 | $267 |
| Amica | $2,767 | $231 |
| Farmers | $3,085 | $257 |
| GEICO | $2,148 | $179 |
| Nationwide | $2,463 | $205 |
| Progressive | $2,675 | $223 |
| Travelers | $2,103 | $175 |
| USAA | $1,572 | $131 |
State Farm car insurance rates by state
Some states have considerably higher insurance rates due to frequent hail events, flooding, thefts, higher litigation costs and other factors.
Drivers in Louisiana and Washington, D.C., will find they pay substantially more for State Farm coverage while those living in Vermont and Idaho will pay quite a bit less
Find your state below to see the annual average cost of car insurance by state with State Farm.
| State | State minimum | Liability (50/100/50) | Full coverage 100/300/100; $500 deductible |
|---|---|---|---|
| Alaska | $575 | $677 | $2,523 |
| Arizona | $776 | $1,082 | $2,883 |
| California | $626 | $873 | $3,078 |
| Colorado | $785 | $1,052 | $4,435 |
| Connecticut | $1,200 | $1,408 | $3,390 |
| Washington, D.C. | $1,336 | $1,713 | $4,774 |
| Delaware | $1,057 | $1,323 | $3,008 |
| Florida | $901 | $1,512 | $2,681 |
| Georgia | $1,421 | $1,789 | $4,107 |
| Hawaii | $531 | $726 | $2,312 |
| Iowa | $300 | $385 | $2,005 |
| Idaho | $296 | $384 | $1,452 |
| Kansas | $546 | $631 | $2,897 |
| Kentucky | $864 | $1,148 | $3,827 |
| Louisiana | $1,103 | $1,976 | $4,761 |
| Maryland | $818 | $934 | $2,415 |
| Maine | $606 | $633 | $2,357 |
| Michigan | $1,553 | $1,613 | $4,477 |
| Minnesota | $564 | $639 | $2,404 |
| Montana | $249 | $388 | $1,914 |
| North Carolina | $445 | $510 | $1,714 |
| North Dakota | $506 | $556 | $2,704 |
| New Hampshire | $643 | $726 | $2,280 |
| New Jersey | $1,823 | $1,935 | $3,819 |
| New Mexico | $515 | $786 | $2,640 |
| Nevada | $1,250 | $1,948 | $3,875 |
| New York | $1,366 | $1,545 | $2,930 |
| Oklahoma | $519 | $820 | $2,946 |
| Oregon | $790 | $911 | $2,383 |
| Pennsylvania | $514 | $667 | $2,795 |
| Rhode Island | $632 | $779 | $2,162 |
| South Carolina | $1,037 | $1,352 | $3,133 |
| South Dakota | $343 | $395 | $2,814 |
| Tennessee | $646 | $813 | $3,073 |
| Texas | $494 | $720 | $2,264 |
| Utah | $1,486 | $1,743 | $4,444 |
| Virginia | $729 | $755 | $2,529 |
| Vermont | $295 | $345 | $1,410 |
| Washington | $574 | $1,012 | $2,522 |
| West Virginia | $633 | $732 | $2,801 |
| Wyoming | $245 | $297 | $1,641 |
State Farm insurance rates for teens
The average cost of a teen car insurance policy at State Farm is $7,922 a year.
Teenage drivers pay the most expensive rates for car insurance with State Farm, as they will with most insurance companies. The good news is that rates begin to fall quickly as you head into your 20s.
Here’s what a teenage driver can expect to pay with State Farm compared to average rates for older drivers.
| Company | Teens (16-19) | Young adults (20-24) | 40-year-old adult |
|---|---|---|---|
| State Farm | $7,922 | $4,624 | $2,874 |
| Allstate | $9,895 | $4,811 | $3,205 |
| Amica | $9,594 | $4,704 | $2,767 |
| Farmers | $11,628 | $4,595 | $3,085 |
| GEICO | $6,112 | $3,186 | $2,148 |
| Nationwide | $7,821 | $3,824 | $2,463 |
| Progressive | $10,196 | $4,372 | $2,675 |
| Travelers | $6,417 | $3,270 | $2,103 |
| USAA | $5,267 | $2,492 | $1,572 |
State Farm insurance rates for adults
While teens pay some of the highest rates of their driving years, as you head into your 20s and 30s, you will see a steady decline in insurance premiums.
While it can vary slightly by insurance company, adults will pay some of their cheapest rates at around the age of 60-65. At State Farm, the lowest rates come around age 60, with an average of $2,597 a year.
At State Farm, the lowest rates come around age 60, with an average of $2,597 a year.
Here’s what adults can expect to pay annually on average for full coverage car insurance with State Farm at various ages.
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 25 | $3,545 | $3,232 |
| 30 | $2,992 | $2,991 |
| 35 | $2,916 | $2,917 |
| 40 | $2,873 | $2,875 |
| 45 | $2,835 | $2,841 |
| 50 | $2,756 | $2,760 |
| 55 | $2,661 | $2,659 |
| 60 | $2,597 | $2,595 |
State Farm insurance rates for seniors
A 65-year-old male driver will pay an average of $2,588 a year for car insurance. After 65, car insurance rates tend to increase.
At State Farm, increases start closer to age 75, when the average cost is $2,890 a year.
Here’s what annual senior car insurance rates look like with State Farm at various ages.
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 65 | $2,588 | $2,585 |
| 70 | $2,692 | $2,685 |
| 75 | $2,890 | $2,876 |
State Farm insurance rates for drivers with tickets, accidents and poor credit
State Farm’s rates for drivers with poor credit are around 77% higher than those with a clean driving record, indicating that the company gives credit a lot of weight.
State Farm insurance discounts and ways to save
Like most car insurance carriers, State Farm offers a wide range of discounts for bundling your auto with home, life, or medical coverage, insuring multiple cars, or installing various safety devices.
Discounts typically range from about 5% to 30% and it is possible to qualify for multiple discounts.
State Farm car insurance discounts include the following:
- Multi-car and multi-policy discounts
- Installed car safety equipment
- Accident-free driving record
- Taking a defensive driver course
- Anti-theft device installation
- Good student discount
- Going away to college discount
- Drive and Save in-car monitoring smartphone application
What do people ask about State Farm insurance?
Why is State Farm dropping my car insurance?
There are a lot of reasons an insurance company might decide to nonrenew (cancel on renewal) a car insurance policy. Usually, it’s due to increased risk. That risk may be related to you, such as tickets or accidents. Or it may be that the risk in your area has increased and the company is pulling out of the area. If you’ve received a nonrenewal notice from State Farm, contact your agent to find out the reason.
Why is State Farm so much cheaper?
Although State Farm isn’t the cheapest company on average, there are plenty of drivers for whom the company offers very cheap rates. If you have a cheap rate quote from State Farm, it’s likely you fit the company’s preferred risk profile. As noted above, State Farm weighs credit heavily, so people with excellent credit will see low rates. Location can also play a big role.
Is State Farm a good insurance company?
In our survey, customers rated State Farm above average for customer satisfaction and consumer research firm J.D. Power also gave it better than average marks for auto claims satisfaction.
It also has rock-solid credit ratings, meaning if you’re going to insure your home, car and perhaps life with the company, it will be around to fulfill its end of the bargain.
Resources & Methodology
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- Excellent, fair and poor credit
- All available traffic violations
- One or more at-fault accidents
Survey data from our annual customer survey and third-party ratings were used to create each company's overall score.
Learn more about our data and methodology.
Source
State Farm. “Auto insurance discounts.” Accessed September 2024.
Helpful auto insurance tools and calculators
