State Farm

The Car Insurance Guide

Overall Personalized Rating: 4.2/5 (Very Good)

Summary

State Farm is the largest auto insurance carrier. Historically, the company has relied on local, community-based insurance agents to sell its products. As a result, its agent network is enormous, with over 19,000 agents located in virtually every town in the country. With personalized service and low prices, they're a household name that is worth taking into consideration.

Key Benefits

Largest carrier in the United States, with a huge agent network
Very competitive auto & home bundling packages
Variety of auto insurance discounts

Ratings Summary

Ratings Highlights

Overall Rating

Our insurance agent survey respondents think State Farm is the best choice for consumers with clean driving records and solid credit backgrounds. Our insurance agent respondents also complimented State Farm on its product offering and its ability to provide a one-stop shop for consumer insurance needs.

Pricing

Though not particularly competitive in this area, State Farm's pricing is average for the market. For consumers interested in an easy, personalized insurance experience, this might be worth the added cost.

Handling Claims

State Farm has a hit-or-miss reputation when it comes to claims handling, as is the case with many insurers. Their ample staff ensures that you won't have to wait long for a response, but of course there are times when they miss the mark.

Uninsured Drivers

Uninsured drivers are better off looking elsewhere for a great deal on car insurance, as State Farm doesn't typically insure this driver type.

Young Drivers

Young drivers have a decent chance of getting a good rate through State Farm.

Bundling Auto with Other Insurance Types

With a wide range of insurance products available, State Farm is one of the best when it comes to bundling -- particularly when it comes to Auto and Home.

Drivers with Tickets/Accidents

As this is not the target driver type for State Farm, drivers in this category may be better off looking at other carriers if they want a good rate.

Premium Driver

State Farm is one of the best choices available to drivers with clean driving histories and great credit scores. If you match this category, we definitely recommend you get a quote from them to see where you stand.

Company Background

Founded in 1922, State Farm has always placed a major emphasis on providing a personalized insurance shopping experience. They have over 65,000 employees and 19,000 agents, ensuring that they're able to offer high-quality customer service. They are headquartered in Bloomington, Illinois.

The Car Insurance Guide's Reviews Methodology

The Car Insurance Guide uses a proprietary algorithm to evaluate the car insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of driver, bundling, and driver type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the driver. The data comes from research The Car Insurance Guide conducts as an invite-only annual survey and from interviews with car insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Car Insurance Guide's 2024 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.