State Farm Insurance Review (2022) | QuoteWizard
State Farm at a glance
Has the cheapest car policy rates among the biggest providers in the U.S .
Offers many coverages and dismiss options that should meet the needs and budgets of a range of drivers .
Receives fewer customer complaints than its main competitors .
How much is State Farm car insurance?
Based on our data, State Farm car policy costs an average of $ 65 per calendar month — if you only want the minimum come of coverage your state requires.
Full-coverage car insurance from State Farm costs an average of $ 128 per calendar month, with a full-coverage policy including liability, comprehensive and collision coverages .
These rates are cheaper than State Farm ’ s primary competition, including GEICO and Progressive. They ’ re besides cheaper than the national averages for minimum-coverage and full-coverage car policy policies, which are $ 87 per month and $ 177 per month, respectively .
| Company | Minimum coverage | Full coverage |
|---|---|---|
| State Farm | $65 | $128 |
| Allstate | $110 | $222 |
| GEICO | $95 | $208 |
| Progressive | $89 | $169 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
I’m looking to compare
This international relations and security network ’ metric ton to suggest State Farm ’ mho car policy rates are the absolute bum in the U.S. A handful of smaller insurers offer lower average rates than State Farm, with Erie being one luminary exemplar. Erie offered our sample driver a minimum-coverage policy for $ 53 a calendar month, on modal, and a full-coverage policy for an average of $ 106 a month .
An crucial takeout here is that it ’ second important to compare car indemnity quotes from several companies before settling on a policy. What you pay for car policy depends on a numeral of factors, such as where you live, your age, your vehicle and your drive record .
| Company | Clean record | After DUI | After accident | After speeding ticket |
|---|---|---|---|---|
| State Farm | $128 | $180 | $156 | $144 |
| Allstate | $222 | $412 | $331 | $260 |
| GEICO | $208 | $475 | $332 | $253 |
| Progressive | $169 | $223 | $260 | $218 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
Having one or more drive incidents on your record, like an accident or a DUI, can make your car indemnity policy much more expensive than it would be if you had a blank record .
even in this site, though, State Farm is cheaper than companies like Allstate, GEICO and Progressive. The median monthly rate State Farm offered our sample distribution driver with an accident on his record was $ 156 — less than half the average rates Allstate and GEICO offered .
besides, the average monthly rate State Farm offered our sample driver with a DUI was $ 180. This is $ 295 per month less than what GEICO offered the same driver .
| Age | Allstate | GEICO | Progressive | State Farm |
|---|---|---|---|---|
| 16 | $823 | $692 | $871 | $471 |
| 18 | $595 | $560 | $706 | $367 |
| 20 | $319 | $310 | $272 | $213 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||||
State Farm offers bum car indemnity to young drivers american samoa well as drivers with incidents on their records, according to our data .
This is made specially authorize when you look at the average rates State Farm and its lead competitors offer to 16- and 18-year-old drivers. While the average rate State Farm offered our 16-year-old driver for a full-coverage policy was $ 471 per calendar month, Progressive ’ s average offer was closely doubly that, at $ 871 per calendar month .
Allstate, GEICO and Progressive are army for the liberation of rwanda more competitive when it comes to car indemnity for 20-year-old drivers, but even then State Farm comes out on circus tent, with an average rate of $ 213 per month .
Which types of car insurance coverage does State Farm offer?
state farm is great for standard car insurance coverage types like indebtedness, collision and comprehensive examination, as you might expect. It offers enough of extra coverage options, besides, like the come .
| Coverage | What it covers |
|---|---|
| Uninsured and underinsured motorist | Uninsured motorist covers damage or injuries caused by uninsured drivers. Underinsured motorist covers damage or injuries caused by drivers who don’t have enough insurance to cover the costs of an accident. |
| Medical payments | Some medical and funeral costs after an accident. |
| Emergency road service | “Common, reasonable expenses” needed to get your vehicle back on the road. |
| Rental car reimbursement | Rental car costs while your vehicle is being repaired after an incident. |
| Travel expenses | Meals, lodging and transportation costs if you’re in an accident more than 50 miles from home. |
| Rideshare insurance | Insurance gaps that your rideshare company doesn’t cover. |
state Farm besides offers antique and classic car policy coverage. For classical cable car policy, your fomite must be 10 to 24 years old and have historic interest. To get antique car insurance from State Farm, your fomite must be 25 or more years old.
State Farm auto insurance discounts
State Farm offers numerous car indemnity discounts that may help you lower your agio even more .
| Discount | What it covers |
|---|---|
| Multiple auto discount | Have two or more vehicles listed on your State Farm policy and you might save as much as 20%. |
| Multiple line discount | Save as much as 17% when you have two or more insurance policies with State Farm. |
| Discount | What it covers |
|---|---|
| Anti-theft discount | You could earn this discount if your vehicle has an alarm or other similar device. |
| Passive restraint discount | Earn a discount up to 40% off medical payments coverage if your vehicle (1993 and older) has factory-installed air bags or another passive restraint system. |
| Vehicle safety discount | Save 40% on medical payments coverage if your vehicle was made no earlier than 1994. |
| Discount | What it covers |
|---|---|
| Accident-free discount | You may qualify for this discount if State Farm has insured your vehicle for at least three straight years without a chargeable accident. |
| Defensive driving course discount | Complete a driver safety course and you may receive a 10% to 15% discount. |
| Driver training discount | Have all drivers of your vehicle who are under 21 years old take an approved driver education course to take advantage of this discount. |
| Good driving discount | Have at least three years without moving violations or at-fault accidents and you might earn this discount. |
submit farm besides has two programs that can help you save money on your car indemnity coverage .
With State Farm ’ s Drive Safe & Save course of study, you save money right when you sign up. After that, you might save up to 30 % more depending on how safely you drive .
state Farm ’ s Steer Clear program is for young drivers under the historic period of 25. To qualify for a Steer Clear dismiss, you need :
- A valid driver’s license.
- No at-fault accidents or moving violations in the past three years
You must besides complete all of the program requirements .
State Farm customer service ratings
state grow has above-average customer service ratings from the Better Business Bureau ( BBB ), J.D. Power and the NAIC .
| Agency | Score |
|---|---|
| BBB Rating | A+ |
| J.D. Power 2020 U.S. Auto Claims Satisfaction Study | 881 |
| 2020 NAIC Complaint Index | 0.79 |
The J.D. Power 2020 U.S. Auto Claims Satisfaction Study rat is based on a 1,000-point scale. The diligence average is 872, with higher numbers being better than lower ones .
NAIC ’ s Complaint Index measures customer complaints based on the pace of formal complaints filed to state regulators. The national medial Complaint Index is 1.0 .