State Farm Auto Insurance

State Farm Auto Insurance

 3.4/5 (7809 reviews)
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Overall Rating3.4 out of 5
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About State Farm Auto Insurance

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.

Top State Farm Auto Insurance Reviews

Rated with 5 stars

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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Rated with 5 stars

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

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Page 1 Reviews 0 - 10
Rated with 1 star
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Verified Reviewer
Original review: April 25, 2023

If you have or are buying Auto Insurance in Michigan or if you are Disabled – READ THIS. Michigan used to have the HIGHEST insurance premiums in the country, by far. No, not b/c of car theft, it was b/c we were all required to pay for UNLIMITED PIP, no choice. As of July 1, 2020, b/c of Senate Bill 1, Unlimited PIP was no longer mandated. This is a LAW in the state of MI. But I can tell you, every single auto insurance co. I’ve dealt with has STILL tried to charge the FULL premium for PIP, even if you have your own medical insurance, they do not allow you to opt-out, or they try to hide this fee in their billing.

YOU MUST LOOK AT & KNOW YOUR PIP LEVELS OR THEY WILL BY DEFAULT LEAVE YOU AT UNLIMITED. I attempted to obtain new Auto Insurance quotes on the providers’ websites. Under what was needed, I input in multiple locations, “State Minimums,” “No PIP,” “No Work Loss,” “No Attendant Care Expenses,” and again “Absolutely Positively Nothing Related to PIP.”
This is the State of Michigan Auto Insurance Minimums:
• Up to $50,000 for a person who is hurt or killed in an accident.
• Up to $100,000 for each accident if several people are hurt or killed.
• Up to $10,000 for property damage in another state.
Also called 50/100/10.
• Property Protection Insurance (PPI) of $1 Million

• PIP of one of SIX levels that you choose

Local State Farm Agent reaches out, she supplies me with what she (lies) & says is the State of Michigan Minimums, so the differences are as follows:
• $50,000 for property damage (vs. $10,000 required)
• $50,000/$100,000 for Uninsured Motorist
• $50,000/$100,000 for Underinsured Motorist
• Limited Property Damage (this is just additional & NOT required)

• PIP at the $250,000 level (that is the 3rd highest possible level)!

Outrageous! I answered this lying email stating: I have perfect credit, a Master's Degree, no tickets, no accidents, live alone, and have an older car – I already stated I do not need this EXTRA coverage. I also said, my income is SSDI, I am 100% Disabled, I do not need to drive daily to work, do not need this loss-of-income related insurance. I have FULL Medicare (Parts A, B, & D) & full Medicaid. I am also Hard of Hearing. So even tho she pretended that her bill was the State Minimums, she came up with a new bill.
That one had the following, all of which are NOT required in Michigan:
• $50,000 for property damage (vs. $10,000 required)
• Limited Property Damage (this is just additional & NOT required)

• PIP – again! Unbelievable. And this time she actually deleted the coverage amount, so prior it was $250,000, now that line was blank. She also oddly put in a Homeowners Insurance discount, but for that I have Allstate, so you know with the final quote, that discount would have been removed.

After looking at this, I yet AGAIN reminded her I only needed the State Minimums. And absolutely no PIP. Want to know what she said? “Yes, there are certain parts of PIP that no one can opt out of.” That is an absolute blatant LIE. We as MI voters and the Senate along with the Governor got rid of PIP 3 years ago in this form. So, this is very, very important, and if you too have Medicare, you need to read this, as I didn’t know.

Here are the levels you can choose from for PIP:
The PIP medical coverage options are:
• Unlimited coverage
• $500,000 per person per accident
• $250,000 per person per accident
• $250,000 per person per accident with exclusions
To select this option, one or both of the following must be met:
o The named insured who is excluding PIP medical has qualified health coverage that is not Medicare; AND
o Any resident relative or spouse who is excluding PIP medical has qualified health coverage
• $50,000 per person per accident
To select this option, both of the following must be met:
o The applicant or named insured is enrolled in Medicaid; AND
o Any spouse and all resident relatives have qualified health coverage, are enrolled in Medicaid, or are covered under another auto policy with PIP medical coverage.
• No PIP medical coverage
To select this option, both of the following must be met:
o The applicant or named insured has coverage under both Medicare Parts A and B; AND
o Any spouse and all resident relatives have qualified health coverage or are covered under another auto policy with PIP medical coverage.

If you don’t make a choice, they make one for you and no surprise, it’s Unlimited PIP.

So this “Agent” refused to give me the no PIP coverage which I am eligible for. But here’s a WARNING & what I just found out: “It is important to note that having Medicare does not mean you have to opt out of PIP medical coverage. You can still purchase the level of PIP medical coverage you choose. If you choose to purchase PIP medical, your PIP medical will serve as primary payer for your medical costs after an auto accident up to the coverage limit you’ve selected. After that, your Medicare coverage will pay, subject to the limitations of the Medicare coverage.” In other words, if this Agent had enrolled me in the $250,000 level of PIP coverage or the other level that she deleted the name for, I would NOT be covered by Medicare (or Medicaid). This is not a choice I was given by State Farm, this stupid Agent, or anyone in charge, I found it on the website!

Here's a final quote from this same Agent when I called her out on being untruthful: “There are parts of the PIP provision that no one can opt out of. The vast majority of PIP benefits you may use your Medicare and opt out of. This is why there remains a minimal amount charged under the PIP line of coverage.” What? Seriously, what? Nowhere does it say if I buy State Farm’s plan, that I requested Michigan Insurance Minimums and this Agent lied, twice, by stating that is what she provided, does it say that by buying their policy, I would be refusing my own health insurance coverage, that is Medicare & Medicaid. Nowhere does it say that.

Be the first one to find this review helpful
Rated with 1 star
Verified Reviewer
Original review: April 25, 2023

Absolutely horrible experience. I have been a State Farm client for 17 years... Never been in an accident. Someone backed into my vehicle in the parking lot where I reside. There was a witness statement, police report and footage of the incident however, because the witness (for unknown reasons) did not want to make a recorded statement for State Farm, the claim was denied (the party who hit my vehicle was also a State Farm client)... My vehicle will not be repaired unless I pay for it. I had no fault in this whatsoever so I'm questioning what have I been paying for all these years? To top it off, I'm the one who had to pay for and submit the police report and footage, they did absolutely nothing to reach out to the officer or police department in order to obtain the footage. They definitely do not care about their clientele, just another greedy business, in my opinion.

7 people found this review helpful

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    Rated with 5 stars
    Verified Reviewer
    Original review: April 14, 2023

    Pat ** with State Farm claims department called to help me navigate a claim I wanted to submit to State Farm. Pat gave me very good instructions on what to do to submit the claim. I gave the data requested to Pat in the evening same day. I had the claim back and submitted it the next morning with a check in the mail in just a few days. I can't thank SF enough. I appreciate Pat's attitude in helping me get this claim developed. Pat is someone State Farm should recognize for his customer-in attitude. Pat was awesome! Thank you State Farm.

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    Rated with 1 star
    Verified Reviewer
    Original review: March 22, 2023

    SF insured caused a wreck which I was involved in on 1/24/2023. I was at ZERO fault. SF refuses to cover OEM parts for a Porsche that is certified. If non-OEM parts are put on a certified vehicle, it voids the certification. Also repairs are being made by a Porsche certified repair shop. Porsche does not allow them to put non-approved parts on a Porsche. I refuse to pay the $1720.98 difference because I was not at fault AND SF has to put my car back to pre accident condition which includes its certification.

    8 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 17, 2023

    I gave this company 1 star but it should be LESS! I purchased a new car outright. All of the "t's" were crossed and the "i's" dotted while I was at the dealership finalizing the paperwork, I got the car home and within 2 weeks I received a cancellation letter from State Farm. The letter (in writing) claimed that the reason I was being cancelled was because I was driving another car illegally for 6 months prior to the purchase of the policy I had just got. I did not own a car for over a year prior to the purchase of this car. Try as I might. I could NOT get a hold of anyone in underwriting. My agent was NO help. They kept telling me that the reason this all happened was because the wrong model of car was put on the original paperwork - but the letter blamed ME. I got really mad and upset - and was FORCED to change agents. I feel like I was treated horribly and they just don't care.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 11, 2023

    Please please be very careful with this agency. Ana Maria ** was supposed to cancel my new policy on 2/10/23 since I chose to not purchase the new car. Every few days I would reach out to her via phone and email and was continuously told my refund will be "credited back to my card" in a few days. Every time I reached out the answer was "another one or two days". By 3/3/23 I still did not receive it.

    I then called the underwriting department at State Farm and a supervisor informed me that Ana did not request the cancelation until 2/28/23. The supervisor informed me it was because Ana held off to get commission from the sale of the auto policy. I was called back on 3/7/23 and was informed they do not refund to a debit or credit card. They only send a check. On 3/7/23 I was told it was printed and mailed. Today is 3/11/23, still no check however other things from state farm dated for 3/8 and 3/9 were in my mailbox today. Please do yourself a great service and completely skip this specific office. It should under no circumstances take 5 weeks for a refund without the refund even being received.

    Be the first one to find this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 27, 2023

    They nickel and dime you to death before paying a damage claim. They try to use used parts even on a new luxury car. They take forever to respond as well and meanwhile your car remains in the shop unfixed! Of course it might be faster if you use one of their own shops but then you have no control whatsoever. Even the body shops hate dealing with this company.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 14, 2023

    I purchased an auto policy for 6 months that ended January 17th and new policy started the 18th. On January 18th 2023 the new premium started and I wanted out since it increase a lot. I forgot it was on autopay so I had to contact the company and give them proof I had new insurance and was told I would get my refund after it went to underwriting. First of all the premium was $488.95 that was taken and they owed me 3 of the 4 weeks but I received in the mail $85.53. Now I know anyone with any sense understands that's not right. I've spent the better part of 2 weeks going back and forth with the agent which each time says it's the underwriter that determines the refund and even agrees with me that's not right. Several times the agent went back and forth with the underwriters and even told me they owed me more but would call us back the next day.

    Well I'm sure you guessed no one called us back. Today on got on the phone and called the corporate office for State Farm thinking surely as big as they are they would help me fix it. Nope I was greatly disappointed! The person on the phone said we don't talk to people only the local agents in that state could talk to underwriting and not them. What??? But they did make a chain of calls to my state to speak to someone who basically told me she's been doing this for 25 years and that's the way it's done. But when I asked how it was determined my refund she was without words.

    How can you run a business and not know how to help a customer understand what they being charged for and why their rebate makes no sense. I was told they took fees from my rebate because I never provided the proper documentation. So I had it for 6 months and now when I'm due a refund something is missing? Run as far away from this company as far as you can because at the end of the day they don't care about making things right and just saying I'm the expert of 25 years and that's just the way it is. I use to have this company for years and had a great experience so I came back but now I'm gone for good.

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 16, 2023

    I have had a policy with State Farm for nearly 10 years. I have been satisfied with them up until my most recent experience. I was very hopeful given my other experiences, however, this was terrible, to say the least. State Farm and its employees have shown their true colors: they are great until you need them, and then they want to process you as quickly as possible. An insurance agency should have goals of being efficient, accurate, and fair. I am now clear that State Farm only cares to move claims through its process as quickly as possible, even without all supporting documentation and reports. Prior to State Farm, I was with one of their largest competitors and was treated much better. I am disappointed and am in the process of changing my insurance agency. I may later find that they are not any better, but I will not continue to give my business to a company that favors speed over precision.

    9 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Jan. 6, 2023

    We have had State Farm for 12 yrs. Our 1st Auto claim has been ridiculous. Due to the pandemic parts have taken longer to receive, which is understandable. However, State Farm doesn't care, they didn't offer to extend our rental car so we have been a one car family for 3 weeks. Then today we get a call from our repair shop to let us know our vehicle is ready but they can't release it because State Farm sent the payment to the wrong collision repair shop. Now we are trying to figure out how to get the money to our actual repair shop so they can release our car. We have been without our vehicle for 6 weeks now. I'm not sure how they could have made such a mistake when they had been dealing with our repair shop during the whole process. Not satisfied at all and will be looking for a new insurance company.

    13 people found this review helpful
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    State Farm Auto Insurance Company Information

    Company Name:
    State Farm Auto Insurance