State Farm car insurance review 2026: 3.1 out of 5 stars

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State Farm car insurance is an affordable option if you’re looking for solid coverage without all the bells and whistles. The company also has over 19,000 local agents across the U.S. if you prefer working with someone face-to-face instead of via an app.

That said, State Farm is lacking many perks other insurers have (like a diminishing deductible program). But between affordable rates, strong customer service, and coverage for things like rideshare driving, State Farm auto insurance is a reliable pick for everyday drivers who want good coverage at a fair price.

Learn more: Best car insurance companies in the U.S.

State Farm is the largest auto insurer in the country, and it shows. With a wide range of coverage options, generous discounts, and one of the strongest local agent networks, it’s a dependable pick for drivers who want both savings and support.

Learn more: How does car insurance work? The basics explained

State Farm offers a standard set of coverage options, plus a few extras that help it stand out.

Learn more: Most common types of car insurance explained

Yes, State Farm car insurance does include accident forgiveness. Your first at-fault accident every three years won’t impact your premiums.

Learn more: Is accident forgiveness insurance worth it?

Yes, State Farm car insurance offers emergency roadside assistance as an optional add-on for most auto policies. It covers common issues that can leave you stranded, from dead batteries to flat tires.

Here’s what it includes:

Roadside assistance doesn’t cover towing to a specific mechanic beyond the nearest repair location, and labor beyond the first hour may cost extra.

Learn more: Do I need emergency roadside assistance coverage?

State Farm’s rates are about average overall — $190 for full coverage. But keep in mind that auto insurance costs vary based on your location, driving history, coverage level, and more.

State Farm’s rates are about average for full coverage car insurance, but still more affordable than many other insurers we ranked.

For liability-only car insurance coverage, State Farm again lands right about average. If you’re looking to balance affordability with strong support, it’s a competitive option.

Learn more: Cheapest car insurance companies

Here are the 16 discounts State Farm offers for its drivers:

Learn more: Car insurance discounts: 17 ways to save

You can file a State Farm car insurance claim online, through the mobile app, or by calling your local agent. Here’s how the process works:

  1. Review your coverage: Before you file, it’s helpful to know what your policy includes. Pay special attention to your deductible and coverage limits.

  2. Gather documentation: This can include photos or videos of the damage, the other driver’s info, a police report (if you have one), and any repair estimates.

  3. Report the claim: File online, in the State Farm mobile app, or by calling the number on the back of your insurance card. If you work with a local agent, you can contact them directly.

  4. Visit a repair shop: If you choose a repair shop in State Farm’s Select Service network, you’ll get a guaranteed completion date and lifetime warranty.

  5. Work with your adjuster: Once your claim is filed, you’ll be assigned an adjuster. Stay in touch and respond promptly to any follow-ups.

  6. Get paid: After your claim is approved, State Farm auto insurance will issue payment based on your coverage. If your claim is denied, you can appeal or ask for more information.

Learn more: How to file a car insurance claim

State Farm doesn’t publish a specific deadline for submitting auto insurance claims. That said, it’s best to file as soon as possible after an accident or covered incident to avoid delays or disputes.

If you’re unsure whether to file, you can always contact your local agent or use the mobile app to review your coverage first.

State Farm doesn’t advertise a guaranteed claims payout timeline. However, it says you could receive a payout as soon as 48 hours after submitting a claim, especially if filed using its Virtual Estimate tool.

However, more complex claims — like those involving injuries or totaled vehicles — may take longer. You can track the status of your claim in the State Farm app or by contacting your agent directly.

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The State Farm mobile app makes it easy to manage your policy on the go. You can use it to view your insurance ID card, pay your bill, file and track claims, and contact your agent.

Many State Farm auto policies extend liability coverage to rental vehicles for personal use.

If you add rental car reimbursement coverage, State Farm may also help cover the cost of a rental car while your own vehicle is being repaired after a covered claim.

Just keep in mind that coverage doesn’t usually apply if you’re renting a car for business, including rideshare driving.

You can get a quote and start coverage online or through an agent in just a few minutes. If you need proof of insurance right away, it’s usually available as soon as you purchase your new policy.

According to data from Savvy Insurance Solutions, State Farm is generally cheaper on average than GEICO. However, because your premium is based on a myriad of factors, that doesn’t guarantee that State Farm will be cheaper for you. Grab quotes from both to compare.

Tim Manni edited this article.

We researched the coverage details and prices for 20 auto insurance plans. We then weighted categories, and each auto insurer was scored relative to the others to find the best auto insurance companies. Here are the factors we incorporated.

Coverage types: 20% of score. We examined all the coverage options available, and assessed whether each insurer offered the following: new car replacement (5%), GAP insurance (5%), accident forgiveness (5%), and diminishing deductible (5%).

Average cost: 40% of score. The average cost was generated by Savvy Insurance Solutions in-house machine learning models based on over 3 million data points, and includes more than 20 of the largest insurance companies in Savvy’s nationwide data set. These estimates are for policies with full coverage for the average policyholder who owns one car. Average policyholder here is defined as a 48-year-old driver, driving a 13-year-old car, in an average-income ZIP code with full coverage.

Customer satisfaction: 20% of score. We factored in information from two major sources: 1) National Association of Insurance Commissioners (NAIC) complaints (10%), in which we took the total number of complaints each company had over a three-year period (2022-2024) and 2) CRASH scores (10%) from the Crash Network which share how well each company ensures quality repairs and customer service.

Discounts: 10% of score. We gave points for each type of discount that each auto insurer offers.

App ratings: 10% of score. We included the average ratings for each company’s apps across both the Apple App Store and Google Play Store. All app ratings were accurate at the time of publication.

Unless stated otherwise, the estimates above are provided by Savvy Insurance Solutions (“Savvy”). Savvy operates a marketplace for home and auto insurance, plus an agency licensed in all 50 states. Estimates are generated using Savvy’s in-house machine learning models based on over 3 million data points, and include more than 15 of the largest insurance companies in Savvy’s nationwide data set. This includes data from more than 2 million insurance accounts connected through Trellis Connect, an in-house technology allowing consumers to “link” their insurance accounts before searching for insurance, and tens of thousands of policies bound by Savvy’s own agents. It takes into account a myriad of factors to create predictions, such as:

Savvy creates estimates by running models against multiple inputs to the parameters of interest. For instance, the “teen driver” estimates were created by adjusting the policyholder age input into the pricing model while keeping all other variables steady from the baseline for “full coverage.” The models enable hyper-personalized estimates that take into account a plethora of user attribute permutations (e.g., teen drivers in specific states, teen drivers with new vehicles, teen drivers in specific states with new vehicles) to provide individuals with a unique and tailored experience. The charts above are a subset of the kinds of personalization Savvy can do.

The following are definitions used by Savvy when providing its rate estimates for various types of coverage.

Full coverage car insurance: A policy with comprehensive, collision, and liability coverage.

Average policyholder: A 48-year-old driver who owns a 13-year-old vehicle and lives in an average-income ZIP code.

Senior driver: A 70-year-old policyholder with full coverage car insurance.

Good driver: Drivers across all coverage types, vehicle types, and locations who have no tickets, accidents or DUIs.

 

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