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State Farm Auto Insurance

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7.4

Overall Score

Author: Kaitlyn Short

LAST UPDATED: March 5th, 2025

State Farm has a long history in the insurance industry and a strong reputation. If you're looking for a trustworthy insurance company, you don't need to look further.

State Farm offers many types of coverage that you could include in your policy. This allows you to have the coverage you need. You can buy coverage specifically for rideshare driving, antique or classic cars, and commercial car insurance.

Read State Farm Auto Insurance Reviews

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The Good

  • Postive Customer Reviews
  • Good Coverage Options
  • Rideshare Insurance
  • Policies for Antique and Classic Cars
  • Commercial Auto Insurance
  • Nice Discounts
  • Online Quote
  • Simple Insights® 

Positive Reviews

State Farm reviews on Best Company are overwhelmingly positive and reflect a high level of customer satisfaction. 

Auto insurance customers mention claims satisfaction, State Farm's dependability, and good customer service.

Reviewers also trust their State Farm agent. Some positive reviews comment on the fairness of rates. Other positive reviews mention switching to another auto insurance company for a lower rate.

Because State Farm has earned high praise from customer reviews for its auto coverage, it has our recommendation.

Good Coverage Options

State Farm offers excellent coverage with its car insurance policies. You can include the following types of coverage in your insurance plan:

  • Collision coverage
  • Comprehensive coverage
  • Liability coverage (bodily injury and property damage)
  • Personal liability umbrella coverage (beyond bodily injury and property damage)
  • Car rental and travel expenses coverage
  • Rental car coverage (repays up to $500 of the deductible expense if you have an accident in a rental car)
  • Uninsured motor vehicle coverage
  • Underinsured motor vehicle coverage
  • Medical payments coverage (for covered person and covered person's passengers)
  • Emergency road service coverage

With so many coverage options, you'll be able to find a car insurance product that meets your needs.

Rideshare Insurance

If you drive for a company like Uber or Lyft, you can add rideshare driver insurance coverage to your personal auto policy.

This rideshare coverage add-on covers all the insurance gaps you have as a rideshare driver. This additional protection allows you to have the coverage you need whenever you drive.

Policies for Antique and Classic Cars

State Farm stands out from other insurers because it offers policies for antique and classic cars.

To qualify for this kind of auto insurance policy, your car must be at least 10 years old, be in good condition or in restoration, stored in an enclosed building, and have limited use.

You can purchase liability, medical payments or no fault, comprehensive, collision, uninsured motor vehicle, and underinsured motor vehicle coverage. You can also add emergency roadside service to your policy.

Commercial Auto Insurance

If driving is part of your business, you'll like the commercial auto insurance policies.

State Farm's business auto insurance policies can include bodily injury liability, property damage liability, personal injury or medical payments, collision, comprehensive, and uninsured or underinsured motorist coverage.

If your employees drive their own cars for your business, you can benefit from State Farm's Employers Non-owned Car Liability (ENOL) coverage.

Nice Discounts

Like many car insurance companies, State Farm offers many different types of discounts.

  • Drive Safe and Save ™ (discount based on your driving habits)
  • Steer Clear ® (discount if you're under 25 with no at-fault accidents)
  • Defensive driving course (take an approved drivers safety class)
  • Good driving (3+ years without moving violations or at-fault accidents)
  • Vehicle safety (based on your car's repair records, adjusted annually for cars made after 1993)
  • Passive restraint (for cars made before 1994 that have a factory-installed air bag)
  • Anti-theft (car has approved anti-theft device)
  • Driver training (drivers under age 21 who complete an approved driver education course)
  • Good student (teens)
  • Student Away at School (student under age 25 at school and only uses car when at home)
  • Multiple autos insured

You can also bundle policies (homeowners insurance , renters insurance, condo insurance, life insurance) with auto insurance to save.

With all of these discount opportunities, you're likely to save on your insurance rates.

Online Quote and Claims

State Farm makes it easy to get an insurance premium quote and file a claim online. You can also find local repair shops on its site. These features make State Farm easy to work with at your convenience.

If you prefer to work with an insurance agent, State Farm has many agents across the United States. You'll benefit from their personalized service.

Simple Insights® 

State Farm also manages a blog called Simple Insights ® to help visitors learn about car insurance and how it works.

In addition to this blog, State Farm has FAQs on its site and even a helpful page to help you decide whether or not to buy additional insurance when you rent a car.

Visit Site

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The Bad

  • No Quote Comparison Available
  • May Not Be Available in Mexico

No Quote Comparison Available

State Farm sells its own car insurance policies. If you want to compare quotes from multiple insurers online, you'll need to work with each one directly or use a comparison site. This lack of quote comparison can be inconvenient if you're in the first shopping phase.

However, State Farm is a trusted insurer, has excellent policies, and offers many types of discounts, so you're likely to find a cost-effective insurance policy.

May Not Be Available in Mexico

Some car insurers sell policies that work in Mexico. These policies are important if you plan to drive your car in Mexico. Since State Farm doesn't mention a policy like this on its site, you probably need to find another company if you plan to drive in Mexico.

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The Bottom Line

State Farm is an excellent choice for car insurance. It has a strong reputation and offers many different kinds of coverage. With all of these options, you'll find the coverage you need for your car.

You may need to look for another company if you plan to drive in Mexico. However, rideshare drivers, businesses, and people with classic or antique cars benefit from State Farm car insurance that is geared to cover gaps and meet specific needs.

You'll also benefit from the many discounts that State Farm offers policyholders. These discounts will help you be a better driver and save money.

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Star Rating

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4.3

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757 Reviews

Review Breakdown

5 grade

59%

4 grade

22%

3 grade

10%

2 grade

4%

1 grade

5%

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Bunny Garlington

I had State Farm Insurance for 28 years. They doubled my rates the last time I was renew. I called them and asked if they could give me a discount due to the number of years I have been a customer. They refused do I left. They did not try to talk me into staying.

8 months ago

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Doglover San Diego, CA

I like state farm because they are reasonable with pricing. I like the app features and I like that you can go on each month to pay your policy. For the office that I work with, it's at time difficult to get someone to call you back. I will say that when you do get someone they are very helpful and knowledgeable with answering your question. I mainly deal with the office folk. I have never spoken to my direct agent which is odd. I would recommend this program.

2 years ago

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John Burnside Colorado Springs, CO

Have been using State Farm for about 9 years now and have been satisfied but not overly impressed. They provide an acceptable level of service but seem to want to upsell you on more than you actually need, I've had this problem with all insurance companies I have had to deal with so it's a common problem with the industry. If you don't go our for quotes every couple of years, your insurance company will try to overcharge you.

5 years ago

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McKinzie Figueroa Provo, UT

State Farm has been my auto insurance since I could drive. I have really liked using them. I appreciate how it is a large company, but they keep a small company feel. There has been one time where I have called and they were slightly rude on the phone, but other than that they have always had great customer service. Their prices are a little higher than some other companies, but the quality of their service is worth the price.

6 years ago

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Rosann Stanko Logan, UT

We had State Farm insurance for a lot of years until our agent retired. The agent that took over was unfamiliar to us, so we ended up going with another company whose agent we knew really well. As always, we both think that the cost of auto insurance is very high, so that’s a problem in the industry and also with State Farm. We were treated well by our second State Farm agent, but were not pleased with the first one we dealt with because he would quote things low Dover and over as we added cars, etc., and then the bill would come and not represent anything near the quote. We should have turned him in to the insurance board! Finally the 2nd agent with State Farm was honest and fair.

5 years ago

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peggy cherry Fayetteville, NC

I was with State Farm for many years. THeir rates were desents and so are their coverages. The only thing is they are separate entities. So if you need help some of the people up under them will try to get you to change to their office instead of just answering a question if you can't reach yours.

1 year ago

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Beverly

It always been positive and supportive. The staff members have helped when a crisis occurred. When we were hit by a deer that came leaping over the freeway center divide and plowed into the side of our truck causing some side and hood damage, it was take care of quickly. .

4 years ago

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Kaysha Love Las Vegas, NV

State Farm is a greta insurance company, This company is very truthful and would do anything to make sure their customers receive the best care and insurance. Ive had several situations where I've had to use the insurance company.

5 years ago

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Lori E Chesterton, IN

A good company with a solid reputation, but also on the expensive side. Consumers shouldn't worry about their insurance premiums going up if they file a claim. Perhaps reward those of us who've been paying premiums for over 25 years with only 2 claims.

5 years ago

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Joel anderson Spokane, WA

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

7 years ago

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Hannah Pleasant Grove, UT

We just switched off of state farm. They were fine but it was frustrating to have to meet with someone in person every time we wanted to make a change or have a question. I would much rather just jump on a phone or do it over the internet. Plus it is cheaper if you do not have a local contact. That is why we switched.

7 years ago

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Natalie Rousey Riverton, UT

I'v had an account with State Farm Auto Insurance for 26 years. They are very timely with information and very knowledgable. I have enjoyed knowing that my agent knows my family and is helping with insurance needs as my family grows up. The only trouble that I have ran into is signing in online. I think the program was updated and I haven't tried it since. But I love that the website will allow you to pay the bill without signing in.

3 years ago

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Erin Farnsworth Orem, UT

We have used State Farm Auto Insurance for two cars for almost 5 years and have loved the experience. The rates are reasonable and we can easily get discounts with good driving. The only minor complaint I have is even though we have updated our preferences multiple times, they can NOT seem to go paperless! We get so much mail from them that we've already received via email and only keep the yearly copy of our policies that they send us. So if you can get past constant extra mail and are a safe driver, definitely worth it.

3 years ago

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JW Zionsville, IN

Have State Farm for Auto and Homeowners and they have been so great to work with. Had to go through claims a few times dealing with non-fault accident and they were prompt, though could be at times a bit disorganized. I easily escalated to management and between the supervisor and me, we were able to get the claims adjuster back on track and handling claims properly. But, you did have to do your part in keeping a tab on everyone trying to charge your policy. Good experience through a bad time.

3 years ago

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AndersonFive Greenwood, MS

I have been a customer with State Farm for over 2 years now and have not had any concerns. I initially started with home owner's insurance and then added my auto policy to receive a considerable discount. I had to use the emergency road side assistance of the coverage a few days ago and had the most pleasant experience. The service was fast and professional.

3 years ago

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Magnum0970 Cerritos, CA

Similar to my experience with other insurance companies, State Farm starts out with some great rates but then seems to slowly increase those rates over the next couple of years to the point that you have to shop around to get good rates again. I do like State farm and they treat you really well, and one day I will probably sign up with him again when my current provider gets too expensive

4 years ago

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Santow Shamon Gurnee, IL

I've then with State farm for over 12 years now. I have multiple vehicles and my home insured. The agents are wonderful they listen to your needs and customize an insurance policy geared towards your needs and concerns. There's no cookie cutter policy here. Customer service is great either by phone or email and if they can't answer your question they will get back to you in a timely manner. I've referred family and friends to State farm and would highly recommend.

4 years ago

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Jackie Hanko Tampa, FL

State farm insurance has some really friendly employees however when you do a quote through them they call you constantly and email you constantly for two weeks straight… I had to decline many phone calls from them during conference calls while I was working which was a little bit frustrating but I understand that they were trying to help me… Unfortunately State Farm is a good company and you can usually provide great rates but they were unable to beat Geico

4 years ago

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Miles Strother American Fork, UT

State Farm was used by my family for many years until we all switched to USAA for cheaper car insurance. State Farm did do a fine job while we had them, and is still a great service for anybody who doesn't have access to USAA, but it is a little more pricey, and doesn't cover some stuff that most other companies do, like chip repair. They do offer good student discounts, which was always a nice bonus.

5 years ago

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Sierra Beck Herriman, UT

I use State Farm for my car insurance and my whole family is on a package with auto, life, and home insurance. We get great rates because of the package. Sometimes the prices for the car insurance seem to change a lot and I get confused about the price but we always call them up or email them and then it gets straightened out and they explain what is going on.

5 years ago

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Becky Rasmussen American Fork, UT

State Farm offers competitive rates for families with teen drivers and a great customer loyalty incentive that reduces rates for customers who stay with them for longer terms. They provide a local presences with assigned insurance agents in brick and mortar offices in your community. The billing is handled professionally through corporate headquarters and your customer service experience can vary depending on whether or not you call the 1-800 number or your local insurance agent. The financial stability of the company is strong to indemnify catastrophic events.

6 years ago

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Tiffany Nguyen Ashburn, VA

I have been using State Farm as our insurance and I believe it’s the best insurance company out there. The company services are extremely great and I appreciate the care they put in for the customers

5 years ago

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Lesa Burgess Pleasant Grove, UT

My car insurance has been State Farm for many years. Overall, I've always had a great customer service experience with them. I’ve had to deal with them and I never had an awful customer service experience.

6 years ago

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scott

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

7 years ago

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Misty Atkins

I had to switch agents to begin with. The agent I am with now has changed my negative outlook to a positive. I can not give it 5 stars due to the horrible experience with the first agent Trey W

7 years ago

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Brent Thurgood Spanish Fork, UT

I've been with State Farm for over 30 years. My local State Farm agent has always been helpful. Recently I broke down in a remote area and my agent helped figure out the best way to get my vehicle towed to a certified dealer instead of having to pay for expensive repairs at a local repair shop.

3 years ago

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Valerie Peterson Herriman, UT

We had insurance with State Farm for several years but recently changed when we had to add a teenager to our policy. When we were customers of State Farm, we enjoyed the service and found our agent to be easy to work with and helpful when we needed questions answered or services.

3 years ago

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Luke Swierczynski Waterford, MI

Had them for a while on two vehicles. No complaints on the service or coverage received but docking 1 star for them not being competitive or willing to match the provider I ended up leaving them for. Never had to make a claim so no input on that.

3 years ago

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Brandon Berwyn, IL

I have them right now and am pretty happy with them so far. Customer service is helpful and informative. Rates, when I last shopped around, where the cheapest for what I'm getting. This of course considering a reputable insurance company. You can always get cheaper but you get what you pay for.

3 years ago

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David Cape Coral, FL

After being with many insurance companies, I can make a comment about most of them. State Farm has been one of the best. For me, the prices are unbeatable. They respond well to problems and are easy to work with. The product is good and versatile. I have had many companies try to switch me over but no one even comes close to their prices.

3 years ago Edited September 14, 2021

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paul desvignes Atlanta, GA

I've been a customer of State Farms for over 20 years in Metro Atlanta. Every relationship has its highs and lows but for me State Farms has been a "Good Neighbor " from day 1. My agent has been my source of financial stability over the years in helping me tailor my insurance needs to protect my family, properties, vehicles, and investments.

3 years ago

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Greg Francis Saratoga Springs, UT

I love my state farm agents. having someone I can call to get personalized service, to help with an accident, or even discuss where I can save more on my car insurance, is very helpful. I feel that I am getting great, competitive rates as well, as I spot check on a periodic bases.

4 years ago

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Kyle Provo, UT

My family has used State Farm for years. The coverage is great but without fail each December they tell us our rates are going up without reason. So we call our local agent and they find out why. And it's always a bogus reason so we keep it low. Thank goodness for local agents!

4 years ago

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Karen Torino Tallahassee, FL

I have been with state farm since I first got my car. It isn’t nice that they offer student discounts for being a safe driver and a good student. However I wish they had accident forgiveness or didn’t penalize people for an accident that wasn’t their fault.

5 years ago

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Janan Grange Pleasant Grove, UT

I have currently been a State Farm customer for the last 8 years. They have helped with two car crashes and have been easy to communicate with and have answered all our questions. I appreciate their timeliness in getting back to us when we call.

5 years ago

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mccandless24 Kaysville, UT

I was in a bumper to bumper accident and was very impressed with the agent assigned to my case. I felt his main concern was helping me get the outcome I deserved instead of just passing it off and trying to close the file as fast he could. Very impressed with the service I received.

5 years ago

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Braylyn Linford Saratoga Springs, UT

This is a great company with great costumer service that treat you right! I wish they were a little better or more comparable on price. My experience is that you can find a cheaper price but you won’t be taken care of as well!.

5 years ago

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Windy Payton New Orleans, LA

Had insurance with this company a very long time ago and it was a good experience for me and my family the rates was reasonable priced coverage was great also I really liked this company Thank You for my great experience with your Company 😊

5 years ago

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Daphne Brown Riverton, UT

I like my insurance even though they are a little more expensive. They are great about bundling to help get a better deal to compete. I have used their services a couple time with an accident. They are great to work with and I have had them for years.

5 years ago

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Jeremy Brown Riverton, UT

I love the service and the agents over the years of using them. The have a great response and I don't get penalized with good discounts on bundling. But they are still pretty pricey compared to the other insurance companies. But I like them overall.

5 years ago

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Kathryn American Fork, UT

We used State Farm for about a decade, we had a pretty good experience with our agent and were able to apply discounts based on safe driving and school grades for children. Things might have changed, but at the time it was a good experience.

5 years ago

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Jacob Shaner

State Farm had competitive rates for me when I was looking for car insurance. I really enjoyed talking to an agent's office that was right here in my own city. The fact that State Farm has so many local offices is my favorite aspect of their company.

5 years ago

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wayne sanders Valley Center, CA

We have been pleased with our service through State Farm. our agent is always ready to help when needed. We have never had any major claims but there have been a few minor ones that were handled very well and quite quickly. As long as our needs stay the same as well as our rates, im sure we will continue to use State Farm.

6 years ago

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kerry perez Orem, UT

State farm has been my insurance carrier for over 2 years. Their prices are ok, havent had a car accident in over 10 years.. when am I gonna get better pricing?? Agent is great and helpful. just wish they would give me lower premiums for no accidents.

6 years ago

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Katie Howard Pleasant Grove, UT

We had a very good experience with State Farm, and only left because we were able to get a bigger discount through another company. But we never had any problems with claims, and our agent was very helpful and knowledgeable. They offer extra benefits to people who stay with them long term, which makes me wish I hadn't left.

6 years ago

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Rischelle Mikkelson American Fork, UT

I like their personal service and attention to details. I felt like they had my best interest at heart. When we purchased our house, they had a great discount for bundling car and home. They are a little more pricey than other companies.

6 years ago

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Lee Pleasant Grove, UT

State Farm is a good company and have been good to work with. Our State Farm agent is particularly good. With teenage drivers, their prices seem a little high, but when we compare with other insurance companies, they are generally quite competitive.

6 years ago

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Cody Linden Lehi, UT

I was in a car accident, where a truck pulling a trailer swiped my car. Having never been in an accident before I was unsure of how to proceed. I called State Farm to report the incident and they walked me through the entire process and kept in contact with me. I was happy with how they handled the situation.

6 years ago

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Justin Vance Lehi, UT

Agents seem to come and go because I heard from them often when we became a new account, but haven’t heard from them since. I suppose that’s okay since I don’t like being bothered, but the silence is suggesting the agent is gone and I’m now the property of the greater company. I like paying online and the response during the claim process.

6 years ago

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Kristy Williams Gilbert, AZ

We have had a great experience with State Farm. Their customer service is excellent and when we bought our car, our agent suggested we go through State Farm for our financing and they were able to give us the best interest rate!

6 years ago