Here’s a breakdown of how we reviewed and rated the top auto insurance providers
*Data gathered from our 2025 home and auto surveys of 1,000 insurance customers around the U.S.
**The National Association of Insurance Commissioners is a non-profit U.S. regulatory support organization whose aim is to protect and support consumers.
Our Thoughts on State Farm Insurance
State Farm has a strong reputation in the insurance industry and is known for its reliability. The company has a solid representation of local insurance agents, adding the advantage of personalized service for policyholders. Compared to other providers we’ve reviewed, State Farm’s costs are average, with some competitors offering more affordable coverage options for auto and home insurance.
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
Pros and Cons of State Farm
State Farm boasts a healthy industry reputation and a wide range of home and auto insurance coverage options. It also boasts a large network of local agents across the country. The provider offers generally competitive rates and a host of discounts, but State Farm policies are no longer available in all 50 states — the company isn’t writing new policies in Massachusetts or Rhode Island at this time.
Strong performance in J.D. Power consumer studies
Local agents spread across the U.S.
Generous discount for bundling home and auto coverage
Fewer home insurance discounts than competitors
Auto insurance rates above national averages
State Farm Car Insurance Review
We give State Farm auto insurance an overall rating of 4.4 out of 5 stars on our list of best car insurance companies and rank it 14th out of 148 auto insurance providers. Although it doesn’t offer the cheapest car insurance rates, State Farm features a wide range of discounts and its customer service performed well in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study.
Our 4.4 out of 5 overall rating for State Farm puts it comfortably above the average rating of 3.8 across all providers. We gave the company particularly strong scores in categories such as customer experience and availability.
State Farm Car Insurance Cost
On average, minimum-liability car insurance from State Farm costs $65 per month. This is 3% more expensive than the national average rate of $63 per month. Full coverage from State Farm averages $211 per month, which is 3% more expensive than the national average of $205 per month.
Although the provider’s rates are slightly higher than the national average, we believe State Farm’s coverage is a good value because of its solid performance in J.D. Power studies and our car insurance provider survey.
State Farm Car Insurance Cost by State
We analyzed the available average State Farm auto insurance cost data. Take a look at the table below to see how rates stack up in your state.
Averages by State
| State | Average Minimum-Coverage Premium | Average Full-Coverage Premium |
|---|---|---|
| Alabama | No Data | No Data |
| Alaska | $53 | $202 |
| Arizona | $60 | $202 |
| Arkansas | No Data | No Data |
| California | $59 | $291 |
| Colorado | $55 | $325 |
| Connecticut | $97 | $255 |
| Delaware | $82 | $221 |
| District of Columbia | $98 | $334 |
| Florida | $77 | $212 |
| Georgia | $117 | $306 |
| Hawaii | $44 | $177 |
| Idaho | $23 | $105 |
| Illinois | No Data | No Data |
| Indiana | No Data | No Data |
| Iowa | $24 | $165 |
| Kansas | $45 | $241 |
| Kentucky | $64 | $285 |
| Louisiana | $88 | $334 |
| Maine | $52 | $185 |
| Maryland | $68 | $184 |
| Massachusetts | No Data | No Data |
| Michigan | $130 | $353 |
| Minnesota | $47 | $199 |
| Mississippi | No Data | No Data |
| Missouri | No Data | No Data |
| Montana | $20 | $151 |
| Nebraska | No Data | No Data |
| Nevada | $94 | $249 |
| New Hampshire | $54 | $180 |
| New Jersey | $152 | $288 |
| New Mexico | $43 | $210 |
| New York | $114 | $227 |
| North Carolina | $35 | $116 |
| North Dakota | $43 | $225 |
| Ohio | No Data | No Data |
| Oklahoma | $41 | $224 |
| Oregon | $64 | $171 |
| Pennsylvania | $43 | $227 |
| Rhode Island | $47 | $164 |
| South Carolina | $87 | $255 |
| South Dakota | $27 | $221 |
| Tennessee | $47 | $219 |
| Texas | $42 | $187 |
| Utah | $127 | $366 |
| Vermont | $25 | $110 |
| Virginia | $55 | $196 |
| Washington | $47 | $191 |
| West Virginia | $50 | $223 |
| Wisconsin | No Data | No Data |
| Wyoming | $20 | $131 |
State Farm Insurance Cost for High-Risk Drivers
Most high-risk drivers can find affordable auto coverage with State Farm. However, rates will increase for poor credit, accidents, DUIs or tickets.
| Risk | State Farm Average Premium | National Average |
|---|---|---|
| Accident | $80 | $99 |
| DUI | $83 | $115 |
| Speeding Ticket | $76 | $83 |
| Texting While Driving Ticket | $73 | $82 |
| Poor Credit | $228 | $117 |
| Risk | State Farm Average Premium | National Average |
|---|---|---|
| Accident | $239 | $281 |
| DUI | $219 | $301 |
| Speeding Ticket | $224 | $248 |
| Texting While Driving Ticket | $223 | $246 |
| Poor Credit | $328 | $302 |
State Farm Car Insurance Cost by Age
State Farm auto insurance premiums will be most expensive for 16-year-old drivers, true for all insurers, since they represent the most risk. Rates decline gradually for adult drivers before increasing slightly for senior drivers.
| Age | State Farm Average Premium | National Average Premium |
|---|---|---|
| 16 | $226 | $241 |
| 17 | $202 | $209 |
| 18 | $178 | $185 |
| 19 | $154 | $145 |
| 21 | $115 | $105 |
| 25 | $75 | $75 |
| 45 | $65 | $63 |
| 55 | $62 | $60 |
| 65 | $61 | $63 |
| 75 | $70 | $75 |
| Age | State Farm Average Premium | National Average Premium |
|---|---|---|
| 16 | $497 | $488 |
| 17 | $479 | $456 |
| 18 | $447 | $425 |
| 19 | $413 | $385 |
| 21 | $344 | $310 |
| 25 | $242 | $234 |
| 45 | $203 | $197 |
| 55 | $193 | $184 |
| 65 | $189 | $187 |
| 75 | $209 | $211 |
State Farm Car Insurance Discounts
State Farm offers a total of 15 discounts, which is the average number among the top 20 auto insurers we reviewed. The company’s Drive Safe & Save usage-based discount stands out for offering up to 30% off upon policy renewal.
Below are some examples of how much State Farm’s discounts could save you on full-coverage car insurance:
| Discount | Average Savings |
|---|---|
| Home Insurance Multi-Policy | 18% off |
| Home Owner | 2% off |
| Life Insurance Multi-Policy | 6% off |
| Paid in Full | 2% off |
| Renters Insurance Multi-Policy | 6% off |
These are some of the other car insurance discounts State Farm offers:
- Multi-car: Save for bundling multiple vehicles under one policy.
- Good driving: Save for going three or more years without moving violations or at-fault accidents.
- Defensive driving course: Complete a qualifying course for this discount.
- Good student: Students save up to 25% if they maintain a B average.
- Driver training: Drivers under 21 can get this discount for taking an approved course.
- Student away at school: Applies if you have a student under 25 on your policy who only drives when they come home for holidays.
- Vehicle safety: Save money based on your car’s safety features.
- Passive restraint: Save up to 40% on medical-related coverage if your car has passive restraint systems.
- Anti-theft: Applies if your car has an approved anti-theft device.
- Steer Clear program: Drivers under 25 can save by completing an educational course in the Steer Clear app.
State Farm Car Insurance Coverage
State Farm offers all the basic car insurance coverage options you’d expect, plus some optional add-ons that allow customers to tailor policies to their needs.
State Farm Add-On Options
State Farm’s add-ons include:
- Roadside assistance: Covers lockout assistance, battery jump-start, spare tire installation, fuel delivery and towing
- Rental car reimbursement: Reimburses you (some limits apply) for a rental car when your vehicle is in the shop for a repair covered by comprehensive or collision insurance
- Travel expense coverage: Reimburses you for food and lodging up to $500 if your car is in an accident over 50 miles from home
- Rideshare insurance: Provides rideshare drivers coverage while waiting to accept a job in the app
Some options you won’t find from State Farm include new car replacement, mechanical breakdown insurance, gap insurance, custom parts coverage or personal items coverage.
State Farm Home Insurance Review
State Farm tops our home insurance provider rankings for 2025, taking our Best for Value award in the process. Our research shows that State Farm home insurance generally costs about the same as the national average, and is sometimes cheaper, depending on where you live. Our review of cheapest home insurance companies rates State Farm as a top pick.
State Farm received above-average ratings in all categories as part of our industry-wide review. We gave the provider particularly high ratings for coverage and customer experience.
State Farm Homeowners Insurance Cost
The average national annual premium for a State Farm home insurance policy for $350,000 in dwelling coverage with a $1,000 deductible is $2,362. This is 19% lower than the national average.
There are several factors that impact home insurance premiums, including the value of your home, the deductible you select, your location, your credit score and whether you’ve filed any claims in the past.
Cost by State
The table below shows how State Farm home insurance premiums vary significantly by state.
State Farm Average by State
| State | Average Premium |
|---|---|
| Alabama | $3,404 |
| Alaska | $126 |
| Arizona | $135 |
| Arkansas | $315 |
| California | N/A |
| Colorado | $233 |
| Connecticut | $215 |
| Delaware | $95 |
| District of Columbia | $128 |
| Florida | $228 |
| Georgia | $280 |
| Hawaii | $72 |
| Idaho | $131 |
| Illinois | $175 |
| Indiana | $200 |
| Iowa | $227 |
| Kansas | $334 |
| Kentucky | $255 |
| Louisiana | $120 |
| Maine | $81 |
| Maryland | $193 |
| Massachusetts | N/A |
| Michigan | $197 |
| Minnesota | $278 |
| Mississippi | $295 |
| Missouri | $320 |
| Montana | $267 |
| Nebraska | $400 |
| Nevada | $119 |
| New Hampshire | $103 |
| New Jersey | $109 |
| New Mexico | $185 |
| New York | $137 |
| North Carolina | $75 |
| North Dakota | $278 |
| Ohio | $149 |
| Oklahoma | $446 |
| Oregon | $127 |
| Pennsylvania | $129 |
| Rhode Island | $85 |
| South Carolina | $196 |
| South Dakota | $289 |
| Tennessee | $224 |
| Texas | N/A |
| Utah | $114 |
| Vermont | $106 |
| Virginia | $128 |
| Washington | $138 |
| West Virginia | $154 |
| Wisconsin | $138 |
| Wyoming | $174 |
Below are State Farm’s costs by dwelling coverage amount:
| Dwelling | State Farm Average Premium |
|---|---|
| $250,000 | $1,943 |
| $350,000 | $2,362 |
| $450,000 | $2,814 |
| $750,000 | $4,033 |
| $1,000,000 | $4,836 |
State Farm features rates below the national average for the types of claims in the table below.
| Claim Type | State Farm Average Premium | National Average |
|---|---|---|
| Wind and Hail | $2,546 | $2,884 |
| Fire and Lightning | $2,546 | $3,144 |
| Water Damage and Freezing | $2,546 | $3,106 |
Policyholders with poor credit scores pay more for State Farm homeowners insurance than customers with good or excellent scores. However, the company’s home insurance premiums for those with bad credit aren’t much higher than the national average.
| Claim Type | State Farm Average Premium | National Average |
|---|---|---|
| Poor | $4,903 | $4,638 |
| Good | $2,362 | $2,927 |
| Excellent | $1,668 | $2,329 |
Home Insurance Discounts
Compared to its competitors, State Farm offers fewer discount opportunities to save on your policy. The insurer’s offerings for home insurance discounts include:
- Multi-line discount: When you bundle your home and auto insurance policies with State Farm, you could save up to $1,200. Discounts vary based on which policies you bundle.
- Home security insurance discount: You may qualify for a home insurance discount if you install a fire, smoke or burglar alarm or any other type of monitoring system in your home.
- Roofing discount: If you have or install a roof with impact-resistant roofing products, such as hail-resistant shingles or class four shingles, you may be eligible for a discount on your home insurance premium.
State Farm Home Insurance Coverage Options
Home insurance policies help protect your home and its contents after a covered event. Six common coverages are included in a standard State Farm home insurance policy. The provider also offers the following add-on protections:
- Personal liability umbrella policy: This add-on option increases your covered amount for personal liability. Home insurance policies typically provide a minimum of $100,000 to $500,000 in personal liability coverage, but a personal liability umbrella policy could provide coverage for over $1 million.
- Flood insurance: This insurance add-on covers losses directly caused by flooding.
- Earthquake insurance: This add-on insurance covers some of the losses and damage that earthquakes can cause to your home, belongings and other buildings on your property.
What Customers Think of State Farm Insurance
State Farm ranked fifth in the 2025 J.D. Power U.S. Home Insurance Study for overall customer satisfaction. We also examined online customer reviews of State Farm on sites like the BBB and Trustpilot to get a feel for what policyholders like and don’t like about the company’s auto and home insurance.
What Customers Like
State Farm customers tend to praise personalized service and quick claim processing.
- Professional service: Many customers appreciate the helpful service they receive from local State Farm agents.
- Fast claims processing: Customers report fast and friendly service when it comes to State Farm claims processing.
What Customers Don’t Like
Rising premiums and claims being denied are common complaints from State Farm customers.
- Expensive coverage: Rising insurance costs are nothing new across the industry, and State Farm receives its fair share of complaints for this issue.
- Claim denial: Negative reviews of State Farm frequently focus on claims being totally or partially denied.
We reached out to State Farm for comment on these customer complaints but did not receive a response.
State Farm Claims Process
According to our 2025 auto and home insurance surveys of 1,000 policyholders, State Farm customers experience average or better claim experiences. The company bests industry averages for both claim approval time and the percentage of claims approved.
| Rating Area | State Farm | Industry Average |
|---|---|---|
| Average Home Claim Approval Time | One to two weeks | One to two weeks |
| Average Auto Claim Approval Time | One week or less | One to two weeks |
| % of Home Claims Approved | 94% | 92% |
| % of Auto Claims Approved | 99% | 98% |
How State Farm Compares To Other Top Insurance Companies
State Farm wins out in our comparison to two other leading insurance providers — Allstate and Nationwide. Lower premiums and solid performance in J.D. Power consumer studies give State Farm the overall edge.
The listings that appear are from companies from which this website may receive compensation, which may impact how, where and in what order products appear. Not all companies, products or offers were reviewed in connection with this listing.
Frequently Asked Questions About State Farm Insurance
State Farm ranked eighth in the J.D. Power 2024 U.S. Auto Claims Satisfaction Study and fifth in the publication’s 2025 Home Insurance Study. This generally indicates the company has a good record of paying claims.
Yes, State Farm has a solid reputation in the insurance industry. It consistently scores well in J.D. Power consumer studies and received high marks in our auto and home insurance surveys. State Farm is also the most popular insurance provider in the U.S. by market share.
We give State Farm overall ratings of 4.4 out of 5 for auto insurance and 4.8 out of 5 for home insurance. The provider is our top overall home insurance company and fourteenth in our rankings of auto insurers.
Our Methodology: How We Rated the Best Home and Auto Insurance Providers
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best auto, home and life insurance companies. We collected data on dozens of insurance providers to grade the companies on a wide range of ranking factors. Learn more about how we rate insurance providers in each industry below:
- Auto Insurance: Our team has analyzed more than 140 auto insurers based on their industry standing, availability, coverage, cost and discounts, customer service, and technology. We evaluate both national and regional insurers to determine the most reputable options on the market. Learn more about our auto insurance methodology.
- Home Insurance: We assessed dozens of home insurance providers and created a scoring system to compare each company’s quality and service. We took a comprehensive look at insurers’ reputations in the industry, coverage offerings, average costs and customer service. See our rating process in more detail in our home insurance rating methodology.
