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State Farm Auto Insurance Full Review 2022

State Farm is the nation’s largest private passenger auto insurer, but it offers a wide variety of other insurance and financial products, sold exclusively by State Farm agents. If you’re looking for a well-known brand name with a generous selection of products and consumer-friendly pricing, State Farm might be right for you.

State Farm is among NerdWallet’s best car insurance companies.

State-Farm-Auto-Insurance-Full-Review-2022

State Farm auto insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it’s a combination of coverage types, like liability, collision, and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

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State Farm’s rental car and travel expenses coverage are superior to what’s offered by its competitors. Not only does State Farm auto insurance pay for a rental car if yours is in the shop due to a covered collision, but it also pays for meals, lodging and transportation if you’re stranded more than 50 miles from home. Coverage limits apply and vary by state, and you need to have comprehensive or collision coverage to opt-in.

The Steer Clear Driver Program is a driver training refresher course available online, through an agent, or via a mobile app. State Farm offers savings for drivers under 25 who complete the course and have had no at-fault accidents or moving violations within the past three years.

Rideshare insurance: If you drive for a company such as Uber or Lyft, this option allows you to have one policy that covers both personal and ridesharing use.

See also: The Best Offshore Lawyer For Offshore Accidents In 2022

This option is not available in all states.

  • Auto insurance discounts
  • Accident-free discount.
  • Discount for taking a driver safety course.
  • Student away at school discount.
  • Good driving discount.
  • Discount if all operators of your vehicle under 21 complete an approved driver education course.
  • Good student discount.
  • Vehicle safety discount.
  • Passive restraint discount.
  • Discount for having an anti-theft device.
  • Multicar discount.
  • Multipolicy discount.
  • Loyalty discount for having an auto policy with State Farm for three years or more.
  • Discounts may not be available in all states.
  • Pricing based on tracked driving habits

State Farm offers pay-per-mile car insurance called Drive Safe & Save. This usage-based program calculates discounts based on your mileage and “safe driving” measurements such as smooth acceleration and braking. It also considers risk factors such as speed and time of day. You’ll get up to a 30% discount once State Farm has analyzed your driving behavior. Availability and discounts may vary.

Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven.

You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you’ll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone, or through an agent. For more guidance, see how to get car insurance.

See also: Insurance In Germany: 7 Best Insurances To Know In Germany, 2022

Complaints and customer satisfaction

State Farm had fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

State Farm received an overall satisfaction score of 80 out of 100 by a pool of its customers, in a NerdWallet survey conducted online in July 2021. To put that in perspective, the average score among seven insurers was 79, and the highest was 83

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More about State Farm insurance

Website: State Farm’s website is intuitive, easy to navigate, and loaded with useful information. You can get a quote online, find a nearby agent or manage a claim.

Mobile app: State Farm’s customer app lets you view your insurance card and policy information, get a quote, submit a claim online and view a claim status. It even has an ATM locator.

State Farm also has mobile apps for two of its auto insurance programs: the Steer Clear program for drivers under 25 and the Drive Safe & Save program that tracks driving behavior.

Life, homeowners, and renters insurance from State Farm
State Farm offers home insurance in all 50 states including the District of Columbia. To learn more about the coverage options available, read our State Farm homeowners insurance review.

State Farm also offers term, whole, and universal life insurance. To read about this product, see NerdWallet’s State Farm life insurance review.

Other insurance from State Farm

  • Condo insurance.
  • Identity theft insurance.
  • Renters insurance.
  • Boat insurance.
  • Farm and ranch insurance.
  • Off-road vehicle insurance.
  • Manufactured home insurance.
  • Commercial auto insurance.
  • Umbrella insurance.
  • Business insurance.

Methodology

2021 auto insurance survey methodology

This opt-in survey of 7,586 adults ages 18 and older was conducted online by NerdWallet, July 8-26, 2021. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy with within the past 12 months, and the policy had to be in their name at the time of the survey.

These brands were rated on overall satisfaction, overall value, online experience, and trustworthiness on a scale of 1-100. Only brands with 100 or more qualifying respondents are reported — 300 of the respondents were current State Farm policyholders.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry.

To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo), and life insurance.

Auto insurance ratings methodology

NerdWallet’s auto insurance rating rewards companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.

Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

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