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State Farm Auto Insurance

in Auto Insurance from State Farm

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State Farm Auto Insurance

Unaffiliated

in Auto Insurance from State Farm

SuperMoney Net Recommendation Score +77

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +77, equating to 4.5 on a 5 point rating scale.

+77

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

19 users recommend
1 user is unsure
2 users don't recommend
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Highlights
Community Rating Strongly recommended
Financial Strength Rating A+
Number of Reviews 22

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
Pros Cons
  • 24/7 Phone availability
  • Free policy cancellation
  • Locally available agents
  • Digital claims reporting
  • Free Policy Cancellation
  • Accident forgiveness
  • Emergency roadside assistance
  • Rental car coverage
  • Ridesharing coverage
  • Generous with policy discounts
  • Offers multiple vehicle equipment discounts
  • No transport trailer coverage
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 offers the following types of car insurance coverage options:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most insurance policies will also cover funeral expenses.
  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

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 and 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 inurance 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.

  1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
  2. 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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 Auto Insurance

State Farm® offers many coverage options, from auto insurance for teen drivers to rental cars and more. Switch and save an average of $587.1. When it comes to car insurance, you’ve got plenty of policy options. State Farm can help you find the right coverage. We’ll also help you find out how much auto insurance you might need. Coverage varies by state and your selection.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Policy Discounts
  • Claims Free
  • Defensive Driver / Safety Course
  • Good Credit
  • Good Student
  • Loyalty / Long-Term Customer
  • Military
  • Multiple Policy
  • Multiple Vehicles
  • Student Away at School
  • Young Driver Training
Vehicle and Equipment Discounts
  • Anti-Lock Brake System
  • Anti-Theft Devices
  • Daytime Running Lights
  • Internal Safety Features (Air Bags / Seat Belts)
  • Low Annual Mileage
  • New Vehicle
  • Telematics Device (UBI)
Liability Vehicle Insurance
  • Bodily Injury Coverage
  • Property Damage Coverage
  • Uninsured Motorist
  • Underinsured Motorist
Medical Vehicle Insurance
  • Medical Payments Coverage
  • Personal Injury Protection
Vehicle Coverages
  • Comprehensive
  • Collision
Financial Strength Rating A+
Carrier Features
  • 24/7 Phone Availability
  • Locally Available Agents
  • Free Policy Cancellation
  • Digital Claims Reporting
  • Mechanical / Auto Body Repair Network

State Farm Auto Insurance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +77, equating to 4.5 on a 5 point rating scale.

+77

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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