State Farm Auto Insurance

8.9

Overall Score

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State Farm is one of the nation's leading insurance companies as they have been around the block a time or two in their 92 years of service. One of the leading aspects of the company is their network of agents across the nation and Canada, and also that they take pride in serving others, such as taking part in community help efforts across the nation.

The Good

  • Coverage features
  • Price range
  • Service coverage
  • Discounts
  • Online support

Coverage Features

The coverage options are fairly thorough and should meet the needs of most consumers. All of the essential options are available, from liability and medical payments to car rental and emergency road service. Besides auto insurance, State Farm offers a wide range of other types of insurance and services to cover home, property, health, life and many other needs. In fact, there's very little they don't offer. Besides insurance, they also offer a wide range of banking and financial services.

  • Liability Coverage (Property Damage and Bodily Injury Liability) pays out damages to another individual and their property should the policyholder be at-fault. This covers damage to the other's personal property and loss of its use, medical expenses, lost wages, and pain and suffering.
  • Medical Payments Coverage pays a reasonable amount for necessary medical and/or funeral expenses should the policyholder or any passengers be harmed in an accident.
  • Collision Coverage pays for damages caused to the covered vehicle in the event of a collision with another vehicle or objects, as well as rollovers.
  • Comprehensive Coverage will protect the vehicle should a natural disaster occur, damaging the vehicle, as well as protection from theft, vandalism and colliding with animals.
  • Un/Underinsured Motorist Coverage pays for damages to the policy holder's vehicle caused by drivers without, or with little, protection. It also covers necessary medical expenses, lost wages, and pain and suffering for the owner and any passengers injured in the event of an accident.
  • Car Rental and Travel Expenses Coverage helps pay for a rental when the damaged vehicle is in the shop for repairs after a collision. Daily allowances and limits vary by state.
  • Emergency Road Service is an add-on option providing members with towing, mechanical labor, gas and oil delivery, flat tire assistance, locksmiths, and even jumpstarts. There are two coverage options: Coverage H, which State Farm will carry the financial burden, or basic, which will provide the policyholder with a competitive rate negotiated by the company.

Price Range

Despite being one of the largest insurance companies on the market, State Farm manages to offer reasonable rates ranging from $184 to $230, which puts them in line with smaller, more aggressive insurance companies. They also offer a few good discounts, such as vehicle safety, safe driving, multiple lines, and good student discounts that can save policyholders a good bit of money on their premiums, while encouraging good driving and responsible behavior.

Service Coverage

State Farm offers their products and services in all 50 states and throughout Canada, with 18,000 agent offices. Prospective policyholders are going to be able to find an agent somewhere nearby, so sitting down face-to-face to discuss policy options is easier with State Farm than with almost any other insurance company. For people who prefer to deal directly with another human being, it's hard to beat State Farm.

Discounts

  • Accident-free
  • Defensive driving course
  • Student away at school
  • Good driving
  • Driver training
  • Good student
  • Vehicle safety
  • Passive restraint
  • Anti-theft
  • Multiple-auto
  • Multiple-line
  • Drive safe and save
  • Steer clear

Online Support

Most websites that aggregate reviews of State Farm products and services give the company higher than average marks. The most common praise seems to be directed at State Farm agents who often go out of their way to help customers. Many people love having the personal connection with a local agent who is available to answer questions and meet needs at a moment's notice. This certainly helps to eliminate the feeling that customers are dealing with a big faceless organization. Overall, this seems to be a particular strength of State Farm.

The Bad

  • Response time
  • Limited educational materials

Response Times

State Farms receives many compliments online about the hard work and personal touch of local agents, but there have been hundreds of complaints across a number of websites about the response time from claims representatives. It seems that many claims have been processed slowly. Though it is difficult to tell just how common this problem is, there are enough complaints about it that consumers should be aware of this. It might be possible that once you go beyond the local agent, the sheer size of the company becomes a problem, and some customers feel like they get lost in the shuffle at that point.

Limited Educational Materials

Online, State Farm has a learning and resource center that is helpful but a bit on the slim side compared to the websites of many of their competitors. While it offers a good deal of basic information about many of their products and services, it could certainly go into quite a bit more detail. Perhaps they expect local agents to fill in these details, but for those who like to do their research online, they will wish there was more available on the State Farm website.

The Bottom Line

Ultimately, State Farm is a massive company that manages to make a personal connection with their customers through the availability of local agents. This is possible because of the sheer number of agents across the country, in every state and throughout Canada. This is a huge mark in their favor because it means customer have a personal connection with the company, which can make things less stressful in case of an accident or emergency.

State Farm rates are reasonable, though there are certainly more affordable options out there. They provide some good discounts, though some companies offer more extensive discount options. However, consumers are still likely to find what they are looking for at State Farm. Overall, the company offers stability, good rates and a personal touch, and despite being a massive company and they have managed to resolve thousands of customer complaints.

User Reviews

4.2

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10

patl

February 21st, 2018 Houston, TX DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

if ever I had a problem or question, its answered or my problem solved, I don't have to talk to a bunch of people, the agent will straighten it out

Helpful?

10

Tom Davidson

February 21st, 2018 Dallas, TX DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

they have never disappointed me.ive had agents in ill and texas and have always been pleased with their service

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10

Dan Mackintosh

February 21st, 2018 Heber, UT DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

State Farm has been my insurance company for 51 years and always treated me like I was family.

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10

Estel Eaton

February 21st, 2018 Mount Airy, NC DETAILS

Value for your money
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Company trustworthiness

I have been with them for 42 years and have had no problems !

Helpful?

6

Irene

February 12th, 2018 Platteville, CO DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Have nevr been approached to review my car needs or concerns nor update. They seem to do automatically as my insurance goes up evey year and I have never had issues were I needed to use the insurance.

Helpful?

10

Nestor F

February 12th, 2018 Livermore, CA DETAILS

Value for your money
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Great Service and been with them for awhile

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10

Anonymous

February 12th, 2018 Carmichael, CA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Our insurance agent has always been more than helpful. We tried Geico and we're involved in 2 no fault accidents and they were absolutely horrible. We tried to save money and got what we paid for.

Helpful?

10

Alice Manley

February 12th, 2018 Dover, DE DETAILS

Value for your money
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Customer Service
Company trustworthiness

Always loved them auto rates and multi vehicles along with other products are excellent.

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4

GregoryGarrett

February 12th, 2018 Houston, TX DETAILS

Value for your money
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Customer Service
Company trustworthiness

You never think about car insurance until you need it. State Farm is wonderful...until you make a claim. Even a small one.

Helpful?

8

abb

February 5th, 2018 Lancaster, PA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

lower rates than previous insco; responsive agents; no nonsense salespitch

Helpful?

10

Prudy O'Rear

February 5th, 2018 Acworth, GA DETAILS

Value for your money
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Customer Service
Company trustworthiness

I think they re honorable and respectful of policyholders.

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10

Christina Amato

February 5th, 2018 Hayward, CA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Been with state farm for 23 years. Everything is super easy. I send in my monthly premiums and if accidents or vandalism occur I make a phone call and they handle EVERYTHING else. Most I have to do is drop off and pick up my car. If they have to fight for me sometimes I have to wait until they get paid to get my deductable back but it always comes. I dont think I woild want to be with anybody else!

Helpful?

6

Michael Conner

February 5th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

All insurance companies are about the premiums being paid you pay for 25 years with a company and your late for unknown reasons they inform buy a little nasty gram with payment due as indicated or you will be canceled after all of this time and care from your agent.

Helpful?

8

Joel anderson

February 5th, 2018 Spokane, WA DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

It would be unfair to rate USAA five stars shush but switching to them three months ago saved us over half You really need to shop around even in the top brand categories because it savings with significant my wife did the research and she did a good job

Helpful?

10

Karen black

February 5th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Very reasonable prices and no surprises on the price rates

Helpful?

6

Thomas

February 5th, 2018 Lake Saint Louis, MO DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Been ther 30+ years, previous agent fantastic, new one not so much.

Helpful?

10

parveen munir

January 26th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

they are friendly and know well their customer,s view.

Helpful?

10

Lee Roy Russell

January 26th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Always going the extra mile to assist me when needed without several phone calls to them

Helpful?

10

John Williams

January 26th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

State Farm is very customer oriented. When there is a problem, they take care of it in a very timely fashion. I really appreciate that!

Helpful?

4

lauri cressman

January 22nd, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Rates keep going up and up every time I insurance renews and I have not been in any accidents. I'm told it's across the board for everyone

Helpful?

10

Christina and Roland McGeorge

January 22nd, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Because they are always Helpful and understanding and nice.

Helpful?

10

Karl Grimmett

January 22nd, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Quick, no hassle claim service. I never wonder if I am covered.

Helpful?

8

Mark

January 22nd, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

I'd rate higher but premiums are high everywhere.

Helpful?

10

Julie L

January 22nd, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Easy to work with our agent is a great guy and efficient

Helpful?

10

John G. Ambrose

January 22nd, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

very competitive discounts for multiple policies and very personable service from everyone top to bottom.

Helpful?

10

Richard

January 22nd, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

I have dealt with other companies, and have always gone back to State Farm. State Farm has always covered my accidents fairly and have never threatened to drop me or raise premiums.

Helpful?

10

Ajay Madan

January 22nd, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Good service with a smile backed up with good prices ! !

Helpful?

8

Patrick

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Great agents. Easy claim processing. They would get a 5th star if they would stop raising my rates every year.

Helpful?

10

Terry W Fossum

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Exceptionally rapid, easy to navigate and fair claim servicing. They have contacted me several times since I have been with them which is for over 25 years to let me know about altered plans that ultimately saved me money on my premiums.

Helpful?

10

Judy Ernst

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They always respond when I have a problem and need help.

Helpful?

10

Mark Rygh

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
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Company trustworthiness

Responsive, fair price and good service xxxxxxxxxxxxxxxx

Helpful?

10

Sara Bennett

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

They are pro-active. They have amazing and helpful customer service. They "hold your hand" and walk you through anything you need help with. I always fell less stressed with the way they help me whenever I need them.

Helpful?

10

Joseph Little

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Great service agent; excellent rates & coverage

Helpful?

10

Lynnae

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

We've been with State Farm for 20 years, and have never had a problem with quotes, bills, insurance or customer service; not even claim problems. They are right there when you need them, and always looking out for you.

Helpful?

4

MARK STIMAC

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Never a break with rates, had 1 accident that they paid 2300 for my car and pro used 1000 for medical which I denied cause that wouldn't cover the medication

Helpful?

10

Al Hall

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Quick fast service when some thing happens and a resonable rates

Helpful?

10

Andrea

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

It's affordable and a little bit better than the market rates

Helpful?

8

John M Stanley

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

The auto insurance department of State Farm is pretty good, expensive, but good.

Helpful?

6

Anonymous

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

RATE INCREASES EVEN IF I HAVE NO CLAIMS, MERCURY INSURED PERSON HIT MY CAR , I GOT HER LICENSE #, HAD A WITNESS, FILED A POLICE REPORT, THE PERSON SAID IT WAS NOT HER SO I HAD TO PAY FOR REPAIRS ON MY CAR.

Helpful?

8

scott

January 15th, 2018 DETAILS

Value for your money
Quality of product or service
Customer Service
Company trustworthiness

Excellent customer service. The only complaint I have is the usual big insurance attitude that reflects the corporate culture more than my personal experience. I've been with State Farm for over 20 years

Helpful?