Last Updated: 08/04/2025
SuperMoney User Recommendation Score +71
Strongly recommended28 total votes
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Strongly recommended
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A+(Verified 04/18/2025)
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State Farm Auto Insurance Review
State Farm is a car insurance carrier based in Bloomington, IL. The insurance company was founded in 1922 and offers car insurance in 50 states (and Washington, DC).
If you're considering whether State Farm car insurance is a good option for you, read on.
State Farm car insurance Pros & Cons
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State Farm car insurance FAQ
What types of car insurance coverage options does State Farm car insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
State Farm car insurance customers can also add the following riders or endorsements to their insurance policies:
- Accident Forgiveness: State Farm offers accident forgiveness, which excuses your first accident. This means no insurance rate increase, even if it's your fault.
- Transportation Network Company or ride-sharing coverage: Standard car insurance policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft. This endorsement covers this gap.
- Modified Vehicle Insurance: This coverage, also known as customized parts and equipment coverage, can help repair or replace alterations and upgrades you make to your vehicle. Notice that most car insurance policies will only cover original equipment so you may want to consider this policy if you've invested a lot of money on aftermarket parts and upgrades.
- Travel Expenses / Trip Interruption Coverage: This coverage helps pay for non-refundable expenses if your trip is delayed or canceled due to an accident, mechanical breakdown, theft, injury, unexpected illness, or some other covered event.
- Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
- Non-Owner Liability Coverage: This policy is designed for people who drive a vehicle they don't own. It is also used by businesses who want to provide coverage for their employees when they use their personal vehicles for work. In some cases this endorsement will also cover rental vehicles.
- Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
- Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
Does State Farm car insurance have roadside assistance?
Emergency Roadside Service available. Yes, State Farm offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
Does State Farm car insurance offer ridesharing insurance?
Ridesharing coverage available. Yes, State Farm car insurance offers ridesharing insurance to policyholders as a rider or endorsement. Standard car insurance policies don't provide coverage the moment you log into a TNC or a ridesharing app like Uber or Lyft.
What benefits does State Farm car insurance offer?
State Farm car insurance offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
- Free Policy Cancellation: No cancellation fees for ending your policy early.
- Digital Claims Reporting: Never fax or mail a document again.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
What insurance discounts does State Farm car insurance offer?
When you ask for an insurance quote with State Farm car insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.
- Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's an insurance discount people often forget to ask for.
- Daytime Running Lights: This is an insurance discount you may not have heard of but it is becoming more commonplace. Daytime running lights make you more visible to drivers and pedestrians, which reduces accidents.
- Internal Safety Features: State Farm car insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an insurance discount.
- Low Annual Mileage: If you don't put many miles on your car (typically under 15,000 miles a year) you may qualify for an insurance discount.
- New Vehicle: If you buy a current year or previous year model, you will qualify for an insurance discount on your premium.
- Telematics Device (Usage-Based Insurance): You can qualify for an insurance discount if you agree to install a sensor that records your driving habits.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with State Farm car insurance.
How does State Farm calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and State Farm is no exception. However, you can be confident that State Farm car insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does State Farm car insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a State Farm car insurance insurance quote?
- Visit the State Farm website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from State Farm car insurance
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +71, or 4.4 on a 5-point rating scale.
+71
-1000+100
No one recommends
Everyone recommends
State Farm Auto Insurance Community Reviews
Would you recommend State Farm Auto Insurance to your friends?
MD
Mario D.
Mar 25, 2024
May or may not recommend
I called for a quote at one time and they were higher then my car insurance
ND
Novska D.
Aug 28, 2023
May or may not recommend
This product is amazing, I like it very much and would recommend it to my friends and relatives
RA
Romeo A.
Aug 1, 2023
May or may not recommend
Romeo AGASSOUSSI Love it. The APP is so friendly use.
Kimberly D.
Jan 27, 2023
May or may not recommend
State farm has always provided good service with good rates. Any time I have had to speak with a representative they are always helpful and kind.
Andrea H.
Jan 4, 2022
May or may not recommend
I have been with state farm for years and I never had an issue until I had to file a claim. I pay on time every month and thought the price I was charged extra for the claim was a bit steep for being a loyal customer.
BD
Bourama D.
Nov 9, 2021
May or may not recommend
If you get and accident and your counterpart is assured by State Farm, you are in trouble. They say that it is a big insurance company, but I got the most bad experience ever. A lady who hit my car parked in my front door was assured by State Farm. I spent more than 4 moths to get some money from not even all money their client owed me. So ...Show More
TS
T S.
Jan 24, 2021
May or may not recommend
When comparing auto insurers, I shopped around and compared offers. I found that StateFarms comprehensive insurance coverage was cheaper than some competitors (i.e. GEICO), but I only needed basic liability and went with the most affordable option. That being said, I felt that their customer service was top-notch on the phone and I didn't feel like just another number.
KV
Katie V.
Dec 21, 2020
May or may not recommend
I assume this is the bread and butter of State Farm - it's definitely the most streamline experience we've had with our local branch and the customer service line. My parents have had State Farm forever, so when we got married and transferred our vehicles into our names, we were grandfathered into our own policy with a nice discount for however long my parents had been with their auto policy. ...Show More
JA
John A.
Dec 16, 2020
May or may not recommend
I have had State Farm auto insurance for a very long time. They always provide great service and have helped me through many car problems. Once my car was hit by someone who was uninsured and my State Farm team helped me and made sure that I was not left out on a limb. I love the service and comprehensive coverage of State Farm!
MM
Mariah M.
Dec 15, 2020
May or may not recommend
State Farm is so easy to work with and their rates are wonderful. When a rock hit my windshield and I needed the crack repaired, the claims process went smoothly and my windshield was repaired in a couple of days. I also appreciate that during the COVID-19 crisis, they lowered their rates because they recognized that people were driving less. That was an enormous financial burden taken ...Show More
BY
Barron Y.
Dec 8, 2020
May or may not recommend
I’ve been with State Farm since I first started driving and they’ve helped me out through many dark times. They Are always friendly,understanding and ready to get you back On the road. I totaled my car and within 24 hours I had a rental and was in my way lookingI’ve been with State Farm since I first started driving and they’ve helped me out through many dark times. They ...Show More
JF
Judith F.
Dec 6, 2020
May or may not recommend
Was easy for me to find the car insurance I needed at a price that was great for someone just out of high school. They made it easy to set up my account with them and to get my policy started. I loved the interaction I had with the agent I used as they always seemed to look out if they could save me money.
MR
Madison R.
Nov 6, 2020
May or may not recommend
I just had to write this review! I live in suisun city California, and got a call from an Agent name Daniel, who only first called to give me a quote. He's such a great dude: Highly recommended, 10's all across! Very skilled and highly professional, including the other staff that was also there. I only wanted Car insurance, but by the way he helped me, changed my life. I ...Show More
AC
Ashley C.
Nov 5, 2020
May or may not recommend
I would highly recommend State Farm Auto Insurance. The rates and discounts that they gave me and my boyfriend were nothing far from amazing! Who knew they had so many discounts! I surely didn’t. And all of the agents that we have talked with and worked with have never disappointed us. The agents are always so nice and so friendly. If you are looking for auto insurance or looking to ...Show More
AB
Alexandra B.
Nov 5, 2020
May or may not recommend
I used State Farm auto insurance for both my car and my husband's. I also have homeowners, renters, and personal items insurance through them. I save money by bundling products. Overall, my experience with State Farm auto insurance is that they are competitive. I have recently added the Drive Save and Save monitor to my vehicle, and since I'm a safe driver, I have already saved money. It's a great ...Show More
MJ
Michael J.
Oct 26, 2020
May or may not recommend
I had to make a claim on my State Farm auto insurance policy last year while I was on the road outside Washington DC. My client was very responsive and helped me through the claim process. I could also check the status of my claim online or through my local office near my home. They checked back with me and ensured they would cover the expenses at the body shop.
I ...Show More
DK
Dave K.
Oct 21, 2020
May or may not recommend
Over the years I have benefited from an agent that has explained methods of reducing the price, including a safe driver (no accidents over a period of time) and multi-car discounts. He (agent) could easily have not shared the information with me and kept my rate higher. They have responded promptly and thoroughly during the couple of times I have had to make a claim, sending me to reliable repair ...Show More
LH
Lexah H.
Oct 20, 2020
May or may not recommend
State Farm is a great auto insurance option if you are a safe driver/low-mileage driver. State Farm will analyze your driving behavior and offer a discount for things like safe speeds, smooth acceleration/braking, or low mileage. I only use my car for the grocery store and infrequent errands, so I love getting a discount for my low mileage. If you want to feel protected, even if you're not a high ...Show More
Ossiana T.
Oct 13, 2020
May or may not recommend
State Farm has always had my back in car accidents. I know these people get a bad rap, but I've always had a good time with them. It's all about choosing the right policy. I strongly suggest their travel/long-distance coverage!
KV
Kyle V.
Oct 11, 2020
May or may not recommend
I have State Farm auto insurance through my parents. I do not know too much but I do have the safe driver tracker on my car. So it is kind of annoying that they can track my every move and stop but I guess it helps me drive safe and I called them one time to ask to lower my rate and they did so that was nice.
Showing 20 of 28 reviews
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