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State Farm Auto Insurance Reviews and Ratings
- The largest personal auto insurer in the country.
- Has fewer auto insurance complaints than expected for a business of this size.
- Offers carpooling insurance in most states.
State Farm is the largest private auto insurer in the country, but it offers a wide variety of other insurance and financial products, sold exclusively through State Farm agents. If you’re looking for a well-known brand with a generous product selection and consumer-friendly pricing, State Farm might be for you.
Pros and Cons of State Farm
State Farm Auto Insurance
State farm car insurance scored 4.5 out of 5 stars for overall performance. NerdWallet ratings are determined by our editorial team. The scoring formula takes into account prices and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners, etc.
Based on these ratings, State Farm is among the NerdWallet Best car insurance companies for 2021.
Common Types of Auto Insurance Coverage
When shopping for auto insurance, it’s important to understand what auto insurance coverage you want and what you need to buy. Most states require auto insurance to operate a vehicle, although minimum coverage requirements vary from state to state. This typically includes liability insurance and coverage for uninsured and underinsured motorists.
If you want extra protection, you might be interested in full coverage insurance. Comprehensive coverage is not a specific policy that you can purchase, but rather a combination of types of coverage like liability, collision, and comprehensive insurance.
Check out the most common types of auto insurance coverage below to see how they work:
State Farm rental car and travel coverage is superior to that of its competitors. Not only does State Farm auto insurance pay for a rental car if yours is in the store due to a covered collision, it also pays for meals, accommodations, and transportation if you’re stranded over. 80 kilometers from home. Coverage limits apply and vary by state, and you must have full coverage or collision coverage to enroll.
Drive safely and save: This usage-based program calculates discounts based on your mileage and “safe driving” metrics such as smooth acceleration and braking. It also takes into account risk factors such as speed and time of day. You will get up to 30% off once State Farm analyzes your driving behavior. Availability and discounts may vary.
The Steer Clear driving program is a driver training refresher course available online, through an agent or through a mobile app. State Farm is offering savings to drivers under the age of 25 who complete the course and have had no at-fault accidents or movement violations in the past three years.
Carpool insurance: If you’re driving for a business like Uber or Lyft, this option allows you to have a policy that covers both personal use and carpooling. This option is not available in all states.
” MORE: Compare auto insurance rates
State Farm Auto Insurance Discounts:
- Delivery without accident.
- Discount for taking a driving safety course.
- Student absent at school discount.
- Good driving discount.
- Discount if all drivers of your vehicle under the age of 21 take an approved driving course.
- Good student discount.
- Discount on vehicle safety.
- Passive withholding discount.
- Discount for having an anti-theft device.
- Multiple automatic discount.
- Discount on several lines.
State Farm Complaints and Customer Satisfaction
State Farm has had fewer complaints than expected for a business of this size to state regulators, according to the National Association of Insurance Commissioners.
State Farm often displays competitive auto insurance rates in our analysis and has an above-average JD Power customer satisfaction rating.
Learn more about the State Farm
Website: State Farm’s website is intuitive, easy to navigate, and packed with useful information. You can get a quote and buy a policy online, find an agent nearby, or handle a claim.
Pocket Agent mobile application: The State Farm Customer App allows you to view your insurance card and policy information, get a quote, submit a claim online, and view the status of a claim. It even has an ATM locator.
State Farm also offers mobile apps for two of its auto insurance programs: the Steer Clear program for drivers under 25 and the Drive Safe & Save program which tracks driving behavior.
Auto insurance buying guide
Before you compare car insurance companies, you need to collect basic information like everyone’s driving history on the policy and facts about your car, including safety features and annual mileage driven. You will also want to understand the types of coverage you need. For example, do you only want the minimum insurance required by your state, or do you need more extensive coverage, such as gap insurance or carpool coverage? Check that each business you are considering has the options that you want.
When comparing rates between insurers, make sure that each offers the same coverage limits and deductibles. You might not want to decide based on price alone. Look at the number of consumer complaints that each business has, as a high number can be a red flag as to the quality of service you may be receiving.
Depending on the company you choose, you may be able to purchase insurance online, over the phone, or through an agent. For more tips see how to buy auto insurance.
Owners, tenants and life insurance
State Farm offers home insurance online and through its network of over 19,000 agents. For more information read our State Farm Homeowners Insurance Review. Renters looking for the business may also get lucky – State Farm tenant insurance tops NerdWallet’s rankings.
You can also get life insurance from State Farm. The company sells term life insurance and you can read our State Farm Life Insurance Review to find out if this is right for you.
Automobile insurance valuation methodology
NerdWallet auto insurance reviews reward businesses for their customer-centric functionality and practices. Ratings are based on weighted averages of scores in several categories including financial strength, consumer complaints, website transparency, and affordability. As part of our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare multiple insurance quotes to find the best rate for you. NerdWallet does not receive any compensation for reviews. Read our editorial guidelines.
Methodology of insurer complaints
NerdWallet reviewed complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers stack up against each other, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or its share of total premiums in the industry. . To assess a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by each subsidiary’s market share, over a three-year period. The ratios are determined separately for auto, home (including renters and condos) and life insurance.