It’s hard to miss State Farm when talking about car insurance, as it’s the largest company providing car and home insurance in the country. With more than 100 years in business and a long list of discounts, the company has accumulated tens of millions of customers, and it is consistently ranked among the most financially stable insurance companies in the business.
The company easily lands itself a prominent spot in our overview of the best cheap car insurance providers. However, of course, every company has its ups and downs, so let’s take a closer look at State Farm car insurance to see how it works and what its customers think about its operations.
Pros
Largest insurer in the country
State Farm offers a long list of discounts
Robust network of local State Farm agents
Cons
Not the absolute cheapest insurer
No new policies in Massachusetts or Rhode Island
About State Farm
State Farm has been in business for 103 years and has grown into America’s largest auto insurer. The company consistently ranks highly for its financial strength, and it has earned high marks for customer service from experts on several review platforms.
Features and Benefits
Like any large company, State Farm has plenty of positive and negative customer reviews, but its size and age have given it the ability to offer a range of insurance services and one of the most generous lists of discounts anywhere in the industry.
Additionally, State Farm’s local agent business model enables personalized customer service with more hands-on responses, but be advised that many interactions require an agent and cannot be handled independently.
- Available through our partner, Credible
- Largest auto insurer in the country
- Long list of discounts available
- Usage-based insurance coverage is available
- Local agents across the country
- Highly-rated customer service
State Farm Car Insurance Reviews: Editorial Rating
Trusted Company Reviews Rating Score for State Farm: 9.6
We gave State Farm a strong score for its highly-rated customer service and extensive insurance offerings. While going to a local agent for most interactions can be a hassle at times, those agents provide a high level of service that many people enjoy.
Additionally, State Farm offers a wider variety of discounts than most of its competitors, many of which make its policies significantly less expensive for the people who qualify.
Here are some of the most important high-level details about State Farm’s auto insurance coverage options.
| Local Agents | Extensive network of agents spread across the country |
| Discounts | One of the more generous discount programs around, including Drive Safe, and others |
| Pricing | State Farm’s rates are often higher than the national average |
| Convenience and Customer Service | Customers rate the company highly for service and convenience |
Why We Like It
It’s often more desirable to go with a smaller, local company for some needs, but the big national players often have coverage options and services that the smaller guys can’t offer.
State Farm earned solid marks in our research with a strong set of discounts and excellent customer service, which can’t be said about every company in the industry. Its local agents help resolve issues faster, which is reflected in the company’s excellent survey scores.
What We Don’t Like
While State Farm’s broad insurance offerings and great customer service earned it a lot of points using our rating criteria, the company’s rates are generally more expensive than its nearest competitors. Even with generous discounts, many people find that their insurance rates increase with State Farm, but most people likely qualify for at least one discount program.
Additionally, the company’s agents provide a high level of service, making the trade-off worth it for some consumers.
State Farm Car Insurance Reviews
State Farm customers are generally positive about their interactions with the company, but there are some recurring themes with problems. Many state that State Farm’s size makes it difficult to find the right agent or person to speak with about problems, and others say that it takes an abnormally long time to resolve claims.
Some report having denied claims for issues they thought would be covered, and others say they experienced unexpected charges. At the same time, the company’s proponents say the local agent model is extremely helpful, making it easier to solve problems and get information. The company has received fewer NAIC (National Association of Insurance Commissioners) complaints as well.
Who Is State Farm Best For?
State Farm is best for people who prefer a smooth experience and who want in-person service. Many of the company’s services require an agent, leaving few interactions that can be completed online. State Farm can also be a great option for people who bundle policies, as its multiple policy discounts are hard to beat in the industry. The company’s renters coverage options make our list of the best cheap renters insurance providers.
State Farm Vs. Geico Car Insurance
Geico and State Farm are two of the most well-known companies in the insurance business, and they’re remarkably similar. That said, Geico tends to be more affordable than State Farm, and many people prefer its low-touch customer service, which lets policyholders complete most interactions online or by phone.
| Feature | Geico | State Farm |
| App | Yes, claims, customer service, more | Yes, claims, service, payments, more |
| Availability | All 50 states, Washington, D.C. | All 50 states plus Washington, D.C. |
| Average Price | $1,730 for full coverage | $2,167 annually |
| Customer Support | Above average, 24/7 support | Highly-rated 24/7 customer service |
Summary
State Farm is a solid option for car insurance that offers a wide range of products and services, and a generous list of available discounts. As the nation’s largest car insurer, the company can offer a range of insurance products its smaller rivals can’t match, and most people report having smooth interactions and generally fast issue resolution, thanks to the company’s network of local agents. That said, no company is perfect, and you may find better rates or more favorable service options at a smaller, local insurance carrier.
State Farm Alternatives
State Farm is the largest auto insurer in the U.S. and is known for strong financial stability, reliable customer service, and a vast network of local agents. However, some drivers may find its rates higher than competitors or prefer more digital flexibility. If you’re exploring other options, here are a few standout alternatives, which also appear in our review of the best cheap car insurance providers:
- Geico: Best for low rates and a self-service digital experience.
- Lemonade: Best for tech-first, low-mileage drivers who want quick, app-based coverage.
- USAA: Best for eligible military members and families seeking top-rated service and pricing.
- Auto-Owners: Best for personal service and competitive pricing in select states through independent agents.
Frequently Asked Questions
What are the most common complaints about State Farm?
Is State Farm cheaper than Liberty Mutual?
Who is State Farm’s biggest competitor?
Source
Logo image source: statefarm.com
After earning an MBA, Chris began writing about tech and finance as part of his work as a bank analyst and consultant. Wanting to pursue his first love in life, Chris jumped ship and turned his focus to the automotive industry, first as a freelance writer for Forbes, J.D. Power, The Drive, and U.S. News & World Report, before starting YourTestDriver.com and the America on the Road Radio Show. Chris brings more than ten years of experience in product reviews, in-depth analyses, and news, and has been recognized as a significant contributor in building the future of the automotive media field.
Chris Teague
Last Updated: August 7, 2025
Editorial Reviews
Must Reads
What to Do With Extra Money
Written by Deane Biermeier, a Certified Financial Educator who has studied and now helps people apply real-world strategies for budgeting, debt management, and personal finance. Every once in a while, a little extra money shows up. Sometimes it’s $50 left over...
What to Look for in the Most Trusted Review Sites
If you’ve ever looked at a “best of” list and wondered whether you can actually trust it, you’re not alone. Many review sites claim to rank the best companies objectively, but in reality, the process isn’t always as transparent as it should be. In some cases, the...
Debt Consolidation Loans for Bad Credit: What You Need to Know
Debt consolidation loans for bad credit can help you roll high-interest credit card debt and other balances into one single monthly payment. The key to success is to understand the process, the expected outcome, and your follow-up actions. Here's what you need to...
How to Find Extra Money in Your Budget
Written by Deane Biermeier, a Certified Financial Educator who has studied and now helps people apply real-world strategies for budgeting, debt management, and personal finance. When money feels tight, the advice you're likely to hear is often the same: pay...
Musely Vs. Happy Head
Musely Vs Happy Head While both companies offer similar products and serve similar customers, Happy Head tends to earn higher marks for customer service and support after the initial period. Additionally, Musely’s 60-day guarantee doesn’t offer the same peace of mind...
Hims Vs. Happy Head
Hims Vs Happy Head Hims and Happy Head provide similar services, but there are differences in their costs and consultation processes. They may look the same at first glance, but some of the details could make the difference in your overall experience. How does Hims...
Embrace Vs. Spot Pet Insurance
Embrace Pet Insurance Vs Spot Pet Insurance Embrace and Spot pet insurance are both featured on our Top 5 Pet Insurance Brands list. Each offers coverage options for cats and dogs, with a range of annual limits, reimbursement rates, and deductible choices. How does...
Fetch Vs. Lemonade Pet Insurance
Fetch Pet Insurance Vs Lemonade Pet Insurance Fetch and Lemonade Pet Insurance are both outstanding options for pet parents seeking a solid pet health insurance plan. However, each is unique and works best for different pet parents. How does Fetch Pet Insurance...
Lemonade Vs. Spot Pet Insurance
Lemonade Pet Insurance Vs Spot Pet Insurance Lemonade and Spot stand out as leaders in the pet insurance industry. They both provide high-quality reimbursement-style pet insurance policies and have excellent reputations with their customers. However, there are some...
Can I Use My Credit Card as Debit? What to Know Before You Try
On the surface, there appears to be no difference between using a credit card or a debit card. You tap, swipe, or enter your information for online payments, and the transaction happens instantly. But if you’ve ever asked, “Can I use my credit card as debit?” the...
Social Links
