- Our thoughts on State Farm
- Where can you buy State Farm homeowners insurance?
- What does State Farm homeowners insurance cover?
- How much is State Farm home insurance?
- State Farm home insurance discounts
- What makes State Farm home insurance rates go up?
- State Farm vs. competitors: How does State Farm stack up?
- Answering your questions about State Farm
- Is State Farm a good homeowners insurance company?
- Methodology
Our thoughts on State Farm
State Farm is the biggest name in home insurance, and because the company is so big, it can offer affordable home insurance rates and a solid financial footing to pay claims.
“Major insurers typically possess robust financial reserves and diversification, ensuring reliable claim payouts even during economic challenges,” says Siwei Gao, professor of insurance studies at Eastern Kentucky University.
State Farm performed very well in our 2026 Best Homeowners Insurance Companies ranking, earning the No. 4 spot on our list.
State Farm operates on a captive agent system, which means policies are sold through agents who work solely for State Farm. While that’s something of an old-school approach, the company has integrated modern insurance technology well; most services are available online. You can get a State Farm home insurance quote and even buy a policy without speaking to an agent.
Overall: State Farm is a highly-rated, financially stable pick for home insurance, but has limited discounts.
Where can you buy State Farm homeowners insurance?
State Farm home insurance is available in all 50 states and Washington, D.C., with one caveat: the company isn’t writing new policies in California. Although many companies are pulling back in Florida, State Farm has stated it’s committed to staying.
| State | Average annual premium |
|---|---|
| Alabama | $3,099 |
| Alaska | $1,466 |
| Arizona | $1,505 |
| Arkansas | $3,281 |
| California | $1,717 |
| Colorado | $2,557 |
| Connecticut | $2,211 |
| Delaware | $1,081 |
| Florida | $4,654 |
| Georgia | $3,004 |
| Hawaii | $504 |
| Idaho | $1,485 |
| Illinois | $2,211 |
| Indiana | $2,540 |
| Iowa | $2,648 |
| Kansas | $3,963 |
| Kentucky | $2,796 |
| Louisiana | $8,070 |
| Maine | $1,430 |
| Maryland | $1,318 |
| Massachusetts | $1,256 |
| Michigan | $4,909 |
| Minnesota | $3,208 |
| Mississippi | $3,876 |
| Missouri | $3,609 |
| Montana | $2,799 |
| Nebraska | $4,403 |
| Nevada | $1,345 |
| New Hampshire | $1,237 |
| New Jersey | $1,873 |
| New Mexico | $1,937 |
| New York | $1,296 |
| North Carolina | $1,212 |
| North Dakota | $3,165 |
| Ohio | $1,800 |
| Oklahoma | $3,817 |
| Oregon | $1,029 |
| Pennsylvania | $1,582 |
| Rhode Island | $1,396 |
| South Carolina | $2,048 |
| South Dakota | $2,956 |
| Tennessee | $2,649 |
| Texas | $5,100 |
| Utah | $1,629 |
| Vermont | $1,259 |
| Virginia | $2,177 |
| Washington | $1,663 |
| Washington, D.C. | $1,506 |
| West Virginia | $1,780 |
| Wisconsin | $2,083 |
| Wyoming | $1,724 |
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
What does State Farm homeowners insurance cover?
State Farm’s standard home insurance policy covers all of the basics:
- Your house (dwelling coverage)
- Any detached structures on your property (other structures)
- All of the contents of your house (personal property)
- Extra bills incurred when you can’t live at home due to a covered loss (loss of use/additional living expenses)
- Damages or injuries to others caused by you or occurring on your property (personal liability and medical payments)
Like most home insurance companies, State Farm has special limits and exclusions on a home policy, some of which can be covered with an endorsement, including:
- No coverage for floods or earthquakes
- Coverage limits on certain types of property, like art, collectibles, firearms, gold and silver and musical instruments
- Coverage exclusions for damage done by non-covered perils like water and sewer backup, war or terrorism, settling, deterioration, contamination, nuclear hazard and animal or pest damage.
State Farm includes a few extra perks with a home insurance policy at no cost, although most of these are currently offered only in a few states:
- Free wildfire protection services (AZ, CO, OR, WA)
- Free Ting electrical network monitoring device to catch faults that might cause electrical fires (AK, DE, NC, SD, WY)
- Free ADT security system when you sign up for a monitoring contract (AZ, AR, IL, IN, MS, MO, OK, PA, SC, TX)
How much is State Farm home insurance?
State Farm’s average annual home insurance rate nationwide is $2,448 a year for coverage of $300,000 for the dwelling and liability. Take a look at rates for several coverage levels below.
| Coverage level ($1,000 deductible) | Average annual rate |
|---|---|
| $200,000 dwelling, $100,000 Liability | $1,825 |
| $200,000 dwelling, $300,000 Liability | $1,915 |
| $300,000 dwelling, $100,000 Liability | $2,336 |
| $300,000 dwelling, $300,000 Liability | $2,448 |
| $400,000 dwelling, $100,000 Liability | $2,794 |
| $400,000 dwelling, $300,000 Liability | $2,926 |
| $600,000 dwelling, $100,000 Liability | $3,744 |
| $600,000 dwelling, $300,000 Liability | $3,913 |
| $1,000,000 dwelling, $100,000 Liability | $5,060 |
| $1,000,000 dwelling, $300,000 Liability | $5,297 |
State Farm home insurance discounts
State Farm offers a wide variety of home insurance discounts, the largest of which are the new home discount and the auto and home bundling discount.
| Discount type | Average rate before discount | Average rate after discount | % discount |
|---|---|---|---|
| Auto/home bundle | $2,583 | $1,852 | 29% |
| Burglar alarm | $2,867 | $2,834 | 1% |
| Fire alarm | $2,867 | $2,788 | 3% |
| Hail-resistant roof | $1,937 | $1,919 | 1% |
| Loyalty | $2,575 | $2,381 | 8% |
| New home (new construction) | $2,575 | $1,420 | 43% |
| Smoke detector | $1,430 | $1,406 | 2% |
| Sprinklers | $2,599 | $2,525 | 3% |
What makes State Farm home insurance rates go up?
Insurance companies add surcharges to rates for certain risks that make it more likely a claim will be filed or that a claim will result in higher repair costs. Below are the average premium increases with State Farm for some common risks.
| Reason | Average rate before | Average rate after | % increase |
|---|---|---|---|
| Claims | $2,467 | $2,842 | 15% |
| Home-based business | $2,575 | $2,612 | 2% |
| Wood-burning stove | $2,519 | $2,590 | 3% |
State Farm vs. competitors: How does State Farm stack up?
State Farm ranked well in 2026, landing at No. 4 and ranking above major competitors like Farmers and Nationwide. However, it doesn’t have the lowest rates, with several companies, including Amica, coming in cheaper.
| Company | Annual Premium | Customer Satisfaction | Ease of Service | Policy Offerings |
|---|---|---|---|---|
| State Farm | $2,448 | 85% | 92% | 86% |
| Allstate | $2,049 | 81% | 89% | 88% |
| Amica | $1,510 | 78% | 78% | 79% |
| Farmers | $2,820 | 84% | 84% | 83% |
| Nationwide | $2,983 | 85% | 85% | 85% |
| Progressive | $4,227 | 76% | 79% | 77% |
| Travelers | $2,235 | 84% | 91% | 89% |
Answering your questions about State Farm
State Farm’s current customers and potential customers have plenty of questions about the company. Here are some common questions and their answers.
Is my State Farm policy number the same as my account number?
No. State Farm policy numbers are alphanumeric and each policy has a unique one; the account number covers all policies on the account and is connected to billing.
Does State Farm have a grace period?
State Farm’s website doesn’t list a specific grave period, but most companies will allow several days for a payment to post without canceling your coverage. If you’re going to be late on an insurance payment, it’s best to call your State Farm agent to make sure of the grace period and discuss payment options.
Who do I contact if I have questions about State Farm billing or payments?
For State Farm billing questions, contact your agent or call customer service at 855-733-7333
Can I purchase a State Farm homeowners insurance policy online?
Yes, in most cases you can purchase State Farm home insurance online at the end of the quoting process. You will have 30 days after creating a quote online to go back and buy the policy.
Will State Farm drop me after a claim?
State Farm can choose to non-renew your policy if the risk of insuring you has increased. Filing a claim, especially a big one or more than one, makes you a higher risk to the insurance company. However, a claim doesn’t automatically mean State Farm will drop you.
Is State Farm a good homeowners insurance company?
There are a lot of ways to rate insurance companies, and insurance company reviews can be a mixed bag of happy and not-so-happy customers. State Farm is a really big company, which means it can absorb more negative reviews than a smaller company. However, on every measure of insurance company reputation we gathered, State Farm performed exceptionally well.
A good insurance company is one with solid customer service, financial stability and a low number of complaints compared to the average. State Farm ticks all of those boxes.
Do people trust State Farm?
Yes. In our 2026 survey, 90% of State Farm customers said they trust the company. Allstate has the highest rating of 91% in the survey.
| Company | Percent of customers who say they trust the company |
|---|---|
| State Farm | 90% |
| Progressive | 87% |
| Amica | 80% |
Do people recommend State Farm?
Yes. In the survey, 87% of State Farm customers said they’d recommend the company to others, with Allstate topping the rankings.
| Company | Percent of customers who would recommend the company to others |
|---|---|
| State Farm | 87% |
| Nationwide | 85% |
| Travelers | 83% |
Do State Farm customers plan to renew?
State Farm customers are loyal; of those surveyed, 90% said they plan to renew their home insurance policy. Allstate topped this category.
| Company | Percent of customers who plan to renew with the company |
|---|---|
| State Farm | 90% |
| Progressive | 87% |
| Amica | 83% |
State Farm 661 out of 1,000 on J.D. Power’s Property Claims Satisfaction Survey for 2025, the most recent. The industry average was 682. State Farm had an 79% satisfaction score for claims in our survey.
| Company | Survey satisfaction | J.D. Power score |
|---|---|---|
| State Farm | 79% | 661 |
| Amica | 83% | 745 |
| Allstate | 82% | 665 |
Individual experiences with State Farm home insurance claims vary, and there are certainly plenty of anecdotes out there to indicate people have had difficulty with the claims process.
However, there’s nothing to indicate a problem with State Farm paying claims on the whole.
Methodology
Insurance.com surveyed more than 2,000 insurance customers in the fall of 2025. The survey was conducted by online market research company Dynata.
Respondents were asked to name their home insurer and then grade it in the following categories:
- Customer satisfaction
- Ease of service
- Policy offerings
- Claims satisfaction
- Digital experience (website/app)
- Insurance shopping and buying process
- Billing process
- Discounts offered
- Fair rate increases over time
- Older home coverage
- Extra coverage included as standard
- Home and auto bundling
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
- I plan to renew with my current home insurance company
- I would recommend my home insurance company to others
- I trust my home insurance company
The percentage of respondents who said yes is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For home insurers, we took the following and gave each a weight.
- Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
- AM Best: 25% of total score
- Annual premium: 20% of total score
- NAIC: 15% of total score
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.
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