State Farm Auto Insurance

State Farm Auto Insurance Reviews

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Overall Rating3.9 out of 5
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About State Farm Auto Insurance Reviews

State Farm is well known for its auto and homeowners insurances. When you request an auto coverage quote, State Farm suggests one of its three levels of protection. You can also select add-ons and see if you qualify for discounts. The company has a large network of local agents to assist with policy management.

Pros & Cons


  • Intuitive website and mobile app
  • Multipolicy discounts
  • Many local agents


  • Not the cheapest option
  • Quotes require personal info

Bottom Line

State Farm is an insurance provider with nearly a century of experience. Its car insurance rates are fairly standard, but you can apply for discounts or bundle policies to save money. It has more than 19,000 local agents nationwide.

Featured Reviews

High Point, NC

I can call the office of our Agent, Rick **, and anyone I get is able to access our account and answer questions immediately. Very happy with our coverage: Home, 3 Autos, and Rent...

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Taylors, South Carolina

I have been with State Farm for several years now and see no reason to change. Local agent is great and the service level is unmatched by any of the others that I have used over t...

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About State Farm auto insurance

State Farm started by providing auto insurance to farmers in 1922 — now it’s one of the biggest car insurance companies in the country and serves a wide range of drivers. It employs more than 19,000 local agents to help you find and manage the right policy. If you prefer to handle your policy yourself, though, its online portal and mobile app are intuitive and easy to use. State Farm’s coverage costs typically are reasonable, and it offers several discount options.

State Farm auto coverage

State Farm offers standard auto insurance coverage, including:

  • Collision
  • Comprehensive
  • Liability
  • Car rental
  • Travel expenses
  • Uninsured motor vehicle coverage
  • Underinsured motor vehicle coverage
  • Medical payments coverage
  • Emergency road service coverage
  • Rideshare driver coverage

State Farm auto insurance quotes and rates

Typically, the cost of auto insurance depends on your individual situation, including your age, location, driving history, gender and more. State Farm features two discounts:

  • Drive Safe & Save: Tracks your driving and provides discounts based on your safety levels.
  • Steer Clear: For new drivers or drivers under 25 years of age with no at-fault accidents or moving violations within the past three years.

Its other discounts options include:

  • Accident-free
  • Defensive driving course
  • Student away at school
  • Good driving
  • Driver training
  • Good student
  • Vehicle safety
  • Passive restraint
  • Anti-theft
  • Multicar
  • Policy bundling

State Farm auto insurance FAQ

How much is car insurance from State Farm?

Car insurance rates vary depending on your age, gender, location and driving history — the best way to find out how much a State Farm auto policy will cost you is to get an online quote.

Does State Farm raise rates after your first accident?

State Farm might raise your rates after an accident, but this isn’t always the case.

Does State Farm do accident forgiveness?

No. State Farm doesn’t offer accident forgiveness as a coverage add-on or as a reward for safe driving.

Where is State Farm available?

State Farm is available in all 50 states and Washington, D.C., but not all coverage features are available in all locations.

Is State Farm good car insurance?

State Farm has sold car insurance in the U.S. for nearly a century and has formed a reputation for being reliable. It employs more than 19,000 agents across the country, so you can almost always find a representative to talk to in person. If you prefer to handle your policy on your own, State Farm’s website and mobile app also make policy management easy. Overall, State Farm is a good auto insurance choice for most drivers.

State Farm Auto Insurance Reviews

ConsumerAffairs has collected 3,812 reviews and 4,867 ratings.

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Page 1 Reviews 0 - 10

Reviewed Sept. 5, 2023

My car was damaged by a trucking company which agreed to pay $15K for my repair on a 2022 Nissan with 2,889 miles. State Farm refused to use new parts on a new car & not a certified repair shop. They sent a $7K check to cover the repair and would not escalate any discussion. Question #1: What do they plan to do with the incremental $8K they will receive from the trucking company? As a 20+ year State Farm customer I am appalled. My policy covers 3 cars, my home and life insurance. I will work with the trucking company directly and find a new insurance company. State Farm blew it!

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Reviewed Aug. 21, 2023

Their customer hit the rear bumper and tailgate of My car and My car was damaged due to this accident. But they said they will only pay me $486 and that is not Fair at all. Because the repair cost of this accident was much higher than this, but they said that my car was damaged before and they said that they will not pay for it. But that wasn't true. They lied to me and gave me $486 to not pay for the damage amount of my car, they didn't care about me and treated me very badly. I will not prefer to State Farm exactly!

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    Claims HandlingPrice

    Reviewed Aug. 17, 2023

    I've been a customer of State Farm for over 20 years. I have had no claims and they increased my premium 43%. They say it's because all the other insurance companies are pulling out of Florida so they must charge more. But 43%? That is RIDICULOUS. They are ** small business owners.

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    Customer ServiceCoverageStaff

    Reviewed Aug. 13, 2023

    We have done business with Chris Tulloch for several years and he is always very honest and quick to respond. He goes above and beyond to make certain we have the coverage needed and understand all of our options! You could not ask for a more trustworthy Agent on your side!

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    Reviewed Aug. 2, 2023

    I contracted State Farm for auto and rental insurance 28 days before my old insurance would be terminated. I gave them all the information they requested for a quote, including information about a ticket we had. They gave me a quote for 6 months and I paid for it 20 days before the policy would go into effect. Three days before the policy started, I received three letters (one for each vehicle) with an 'adjustment, making the quote they initially gave me more expensive. They declined waiving this new quote and I was told, on the day of when the policy would go into effect, that they were hoping to keep my business but, if I chose to cancel it, they would refund the premiums. This means I would have to find another insurance right away or be stuck with a company that took a long time to process my application. These are the type of practices that make companies these days untrustworthy.

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    Reviewed July 9, 2023

    State Farm has been overcharging us and misadvising us for years and years. We found out when we went to go get new insurance after your rate hiked us twice in 1 year adding insult to injury and double overcharging us, on top of what you already misadvised and pillaged us on our policy. State Farm is going to lose their butts on their ** business moves because of their unprofessionalism and their win win for State Farm and screw the customer. And rightly so! 1 suggestion from a professional State Farm agent could have saved us thousands over the years we were overinsuring ourselves but no. The greed was more important to your agents. Never again! We are disgusted with this sham of an insurance company.

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    Online & App

    Reviewed June 2, 2023

    Drive Safe and Save is designed to intrude on your privacy by monitoring you ALL THE TIME - whether you are driving or not. They want to log where you are and what you are doing even if you are on a holiday 3000 miles away and your car is at home. That's what I noticed happened to me. I took a flight into San Diego and spent some time in Mexico. I never rented a car and my car stayed at home 3000 miles away. My iPhone warns me that State Farm app is tracking me 30 times a day. YES they want to know where I am walking, eating and crapping. This App is not about Saving a few bucks for driving less - They want to track and log your activity and perhaps sell it to some corporation or country to harvest it for power and profit. Makes you feel like you are on a leash. Makes me feel violated. How is this even legal. Where is our government. Sold out??

    When I turn the setting from 'Always' to 'While using the App', I get a message that 'To work properly the setting must be on Always'. Later I get a message from State Farm saying they can't record my driving because I changed my setting. This is a technical easy fix for State Farm, but PLEASE NOTE that they are giving you the discount so they can track you like a dog with a chip on its collar. WHAT A SHAME!

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    Customer ServiceClaims HandlingStaff

    Reviewed May 30, 2023

    Steve ** has been my agent for fifteen years. I really never had much contact with this agent until recently when my rate 29% in a year for my car insurance. My small, Mazda SUV is over six years old. No speeding tickets or at fault accidents. I have a great credit rating. Have home and auto together. I am 60 years old and live in the suburbs. Only issue was while I was at swim with my disabled son, my car was ran into by another car (just prior to my rates going up). Interesting--I wasn't even in the car!!! The house has had no claims and I lived her for 30 years!! I did the Lexis Nexis report and no answers there either. Steve just didn't know why-- only possibilities. No answers. We emailed and phone calls over and over even though all of his "possible scenarios why" were disproven. He would give me possible reasons why- which were not factual.

    Then I called State Farm directly and I was told the only way to find out why specifically--- is your agent has to talk with underwriting to find out the exact reason why. I then emailed Steve Urbelis back again and and stopped responding to my emails. This agent is not there for you when you have an issue. I have been with State Farm for over 30 years--with an outstanding record. After Al, my first agent retired, I just kept who took over his business which was Steve **. So I was with this agent for fifteen years and he can't advocate for me or find out why my rates went up 29%. Needless to say, I finally left Steve ** because he was not doing his job and then decided to blow me off and not even respond back to me anymore.

    When you need your agent most, Steve Urbelis is nowhere to be found. He doesn't want to advocate or figure out what's happening to his clients. If he and underwriting are the only ones that know why---why doesn't Steve tell me? Imagine if I was in a serious accident and he didn't respond back if he felt he didn't want too!! So unprofessional!! This agent is a great big thumbs down for not doing his job and advocating for his clients.

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    Customer ServiceClaims HandlingCoverage

    Reviewed May 26, 2023

    I've had State Farm insurance for over a decade. But recently State Farm added coverage to my policy without informing me (just like Wells Fargo did with bank accounts) and insists that I pay for it. When I complained, my complaints went unanswered. And State Farm doesn't send proof of insurance cards on time, meaning you're driving illegally. If State Farm can't handle the basics of insurance responsibly, and won't respond reasonably to genuine complaints, it has no credibility. After all, insurance is only their promise to do what they say they will do. If they ignore the facts when only $100 is on the line, imagine what they will do when the claim is in the thousands or more. Goodbye State Farm.

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    Customer ServiceClaims HandlingCoveragePunctuality & SpeedStaff

    Reviewed May 22, 2023

    This insurer is not " your good neighbor" and "never there" to help. Simply put my vehicle was rear ended by their insured in Sept. 2022. Determined a total loss nearly 4 months later which was established 3 days in. The agent said after numerous contact attempts in 3 months or more never viewed the uploaded total loss photos. It is May 2023. An offer was given which was not actual cash value. I followed their rules and presented 3 examples of actual cash value. One of their quotes was a vehicle that had hit a tree for a comparable to lower the actual cash value. They ignored the counter offer.

    One male representative loudly and rudely berated myself on a call. He googled some car in Minnesota as a comparable in Minnesota--I live in NY. I called others and always said, "We will review and get back to you" and never did. They did back pay for a rental but would not extend the rental. It's been 5 months. They simply will not accept a counter offer and deceitful agents use tactics of deny and delay. Stay Away from State Farm if you care about honesty and fairness more than pricing.

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    State Farm Auto Insurance Company Information

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    State Farm Auto Insurance