State Farm ranks second general in our 2022 Greatest Automobile Insurance coverage Firms score. It performs nicely in a number of key classes, together with buyer loyalty, buyer suggestions, and coverage renewals.
Pros:
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Sturdy general customer support and coverage renewal scores
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Beneath-average charges for many drivers
Cons:
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Greater charges for drivers with poor credit score
Sure, State Farm is sweet automotive insurance coverage for many drivers. Primarily based on our buyer survey outcomes, State Farm earns the No. 2 spot in our Greatest Automobile Insurance coverage Firms of 2022 score with a rating of 4.2 out of 5. It additionally has above-average scores in every of the subcategories we analyzed, together with buyer satisfaction, claims dealing with, coverage renewals, and buyer suggestions.
State Farm additionally has aggressive charges and ranks No. 3 in our Least expensive Automobile Insurance coverage Firms score. On common State Farm clients pay $1,267 a 12 months for protection, about 17% lower than the nationwide common of $1,529. USAA and Geico are the one-two insurers in our examine to supply decrease common charges.
State Farm Buyer Service
State Farm takes the No. 2 spot in our Greatest for Buyer Service subrating. Primarily based on our buyer survey outcomes, State Farm scores a 4.35 out of 5. Fifty-nine % of State Farm clients who haven’t filed a declare say they’re fully happy with the convenience of contacting customer support and the service they obtained. Prospects who filed a declare offered related suggestions, although satisfaction charges dropped barely to 56%.
State Farm Claims Dealing with
State Farm ranks No. 5 in our Greatest for Claims Dealing with class, scoring a 4.2 out of 5. Almost 56% of State Farm clients say they’re fully happy with the convenience of submitting a declare. Almost 55% of consumers say they’re fully happy with how the corporate resolved their claims. Whereas State Farm’s scores are usually above common, lower than half of these surveyed say they’re happy with the communication they obtained throughout their claims expertise.
State Farm Buyer Loyalty
In accordance with our survey outcomes, State Farm ranks third for buyer loyalty. Our Greatest for Buyer Loyalty class evaluates insurers primarily based on how doubtless clients are to resume their coverage and suggest their current insurer to a different driver looking for protection.
Almost 43% of our respondents who didn’t file a declare say they’re very prone to suggest State Farm. That quantity drops to 40% amongst clients who filed a declare. Fifty % of respondents, each those that filed a declare and those that didn’t, say they’re very prone to renew their coverage.
State Farm has the third-lowest charges among the many 10 corporations we analyzed. On common, State Farm clients pay $1,267 a 12 months for protection. That’s about $272 decrease than the nationwide common. Solely USAA and Geico provide decrease charges.
State Farm’s charges are usually under common for many drivers, and it has extremely aggressive charges for teen drivers and people with an accident or a DUI on their document. Nonetheless, drivers with poor credit score could need to contemplate various insurers. On common, drivers with poor credit score pay $3,654 a 12 months for protection with State Farm, practically $900 greater than the nationwide common.
Understand that automotive insurance coverage charges fluctuate primarily based in your age, location, driving document, credit score historical past, and car kind. The quantity and sort of protection you select will even influence your common charge. At all times get and evaluate automotive insurance coverage quotes from not less than three insurers earlier than you make your resolution. Doing so will help you discover the bottom charge and greatest coverage for you.
State Farm Charges for Teen Drivers
| 17-YEAR-OLD FEMALE | 17-YEAR-OLD-MALE | |
| State Farm | $3,233 | $3,958 |
| Nationwide Common | $4,962 | $5,661 |
Teen drivers usually pay extra for automotive insurance coverage since they’ve restricted expertise behind the wheel. Nonetheless, drivers that select State Farm might even see charges which might be under the nationwide common. Feminine teen drivers save about 40% when in comparison with the nationwide common. Male teen drivers usually save about 35%. In case you have a teen driver in your coverage, it’s additionally a good suggestion to contemplate USAA and Geico, each of which supply aggressive charges.
State Farm Charges for Younger Grownup Drivers
| 25-YEAR-OLD FEMALE | 25-YEAR-OLD MALE | |
| State Farm | $1,367.69 | $1,527.61 |
| Nationwide Common | $1,734 | $1,842 |
Drivers of their mid twenties often see decrease charges than teenagers, and that’s true with State Farm. It gives the third-lowest charges for drivers on this class, with charges which might be 24% to 27% decrease than the nationwide common. For those who match into this class, additionally contemplate USAA and Geico, each of which supply charges which might be decrease than these provided by State Farm.
State Farm Charges for Grownup Drivers
| 35-YEAR-OLD FEMALE | 35-YEAR-OLD MALE | |
| State Farm | $1,234 | $1,234 |
| Nationwide Common | $1,476 | $1,485 |
State Farm has the third-lowest common charges for grownup drivers of their mid-thirties. Each female and male drivers on this class can see charges which might be 23% decrease than the nationwide common. USAA has the bottom charges for grownup drivers, however if you happen to’re not eligible for membership, you may additionally need to contemplate Geico and Nationwide.
State Farm Charges for Senior Drivers
| 60-YEAR-OLD FEMALE | 60-YEAR-OLD MALE | |
| State Farm | $1,120 | $1,120 |
| Nationwide Common | $1,332 | $1,365 |
Senior drivers insured by State Farm pay the identical common charges, no matter being male or feminine. State Farm holds its third-place place on this class as nicely, with charges which might be decrease than six of the opposite insurers we analyzed. On common, drivers on this class pay 22% to 24% lower than the nationwide common.
State Farm Charges After a Rushing Ticket
| RATE AFTER ONE SPEEDING TICKET | |
| State Farm | $1,409 |
| Nationwide Common | $1,911 |
Even one dashing ticket could cause your auto insurance coverage premiums to extend, however you may nonetheless discover good charges by wanting round and evaluating quotes. State Farm strikes up on this class, cinching the No. 2 spot for lowest charges after a dashing ticket. Its common charge is almost $500 decrease than the nationwide common. Solely USAA, which is simply out there to members of the army group, has decrease charges.
State Farm Charges After an Accident
| RATE AFTER ONE ACCIDENT | |
| State Farm | $1,516 |
| Nationwide Common | $2,180 |
An accident can negatively have an effect on your charges, particularly if you happen to’re at fault. Nonetheless, State Farm has among the lowest charges for drivers with an accident on their document. Typically, drivers who match into this class can anticipate charges which might be 30% decrease than the nationwide common. American Household additionally gives aggressive charges for drivers with an accident on their document.
State Farm Charges After a DUI
| RATE AFTER ONE DUI | |
| State Farm | $1,711 |
| Nationwide Common | $2,601 |
DUIs can result in vital charge will increase, however drivers who’ve one on their document might be able to discover some financial savings with State Farm. Its charges for drivers with DUIs are the bottom among the many insurers we analyzed. On common, drivers on this group see charges which might be practically 70% decrease than the nationwide common. American Household’s charges are solely $44 increased than State Farms, making it one other insurer value contemplating.
State Farm Charges for Drivers with Poor Credit score
| RATE FOR POOR CREDIT | |
| State Farm | $3,654 |
| Nationwide Common | $2,757 |
Like a dashing ticket or at-fault accident, a poor credit score historical past typically results in increased automotive insurance coverage premiums. State Farm could have aggressive charges in different classes we analyzed, however that’s not the case for drivers with poor credit score. State Farm’s common charges are 33% greater than the nationwide common and the second-highest among the many insurers we analyzed. USAA, Geico, and Nationwide have the bottom charges.
| RATE FOR LOW COVERAGE | |
| State Farm | $1,191.25 |
| Nationwide Common | $1,463 |
Most states require drivers to hold minimal protection, although how a lot and what kind of protection is required varies. Primarily based on our knowledge, State Farm has the third-lowest minimal protection charges, beating the nationwide common by greater than $260 a 12 months. USAA and Geico are first and second, respectively, for the 12 months.
Study extra in our How A lot Automobile Insurance coverage Do I Want? information.
| RATE FOR HIGH COVERAGE | |
| State Farm | $1,348.45 |
| Nationwide Common | $1,621.76 |
Excessive protection and full protection insurance policies are usually dearer than minimal protection insurance policies, however they’ll provide prolonged monetary safety to some drivers. State Farm has the fourth-lowest common charges for drivers looking for excessive protection. Its charges are practically 17% decrease than the nationwide common.
State Farm clients might be able to decrease their charges by making the most of a number of low cost alternatives out there. Widespread reductions out there to State Farm clients embrace good driver reductions, multipolicy reductions, and car security reductions. Nonetheless, financial savings alternatives and eligibility fluctuate by state, so it’s a good suggestion to contact an agent or go to the State Farm web site to find out what reductions can be found to you or different drivers in your coverage.
Further State Farm reductions are listed under.
- Drive Protected & Save low cost
- Steer Clear low cost
- Accident-Free driving low cost
- Defensive driving course low cost
- Good driver low cost
- Automobile security low cost
- Passive restraint low cost
- Anti-theft low cost
- Loyal buyer low cost
- A number of auto low cost (multi-vehicle)
- A number of line low cost (multipolicy)
- Good pupil low cost
- Renewal low cost
- Scholar away in school Low cost
Drivers contemplating State Farm auto insurance coverage can select from a number of widespread forms of protection, together with legal responsibility insurance coverage, uninsured/underinsured motorist protection, and private damage safety (PIP). State Farm additionally gives a wide range of protection choices and add-ons that may make it easier to customise your coverage.
- Legal responsibility insurance coverage
- Collision insurance coverage
- Complete insurance coverage
- Uninsured motorist protection
- Automobile rental and journey costly protection
- Private damage safety (PIP)
- Medical funds (MedPay) protection
- Emergency highway service protection
- Rideshare driver protection
- Basic automotive protection
- Roadside Help
- On-line quotes
- Buyer portal
- On-line invoice pay
- Autopay
- Paperless coverage administration
- On-line claims
- Drive Protected & Save app
- State Farm app
- Steer Clear app
- Motorbike insurance coverage
- Boat insurance coverage
- Off-road Automobiles insurance coverage
- Motorhome insurance coverage
- Journey Trailer insurance coverage
- Owners insurance coverage
- Condominium insurance coverage
- Renters insurance coverage
- Rental property insurance coverage
- Private articles insurance coverage
- Manufactured house insurance coverage
- Farm and ranch insurance coverage
- Identification restoration insurance coverage
- Small enterprise insurance coverage
- Industrial auto insurance coverage
- Contractors insurance coverage
- Legal responsibility umbrella insurance coverage
- Staff’ compensation insurance coverage
- Surety and constancy bonds insurance coverage
- Life insurance coverage
- Medical insurance
- Pet insurance coverage
- Incapacity insurance coverage
- Private legal responsibility insurance coverage
- Enterprise {and professional} legal responsibility insurance coverage
State Farm vs USAA
USAA and State Farm take the No. 1 and No. 2 spot respectively in our buyer survey. Each obtain sturdy customer support and coverage renewal scores. Each obtain above-average scores throughout the board, however State Farm dips to the No. 5 spot in our Greatest for Claims Dealing with class.
USAA usually has the bottom charges in our examine, however its insurance coverage merchandise are solely out there to members of the army group and their households. That will make State Farm a greater choice for drivers who don’t meet USAA eligibility necessities. As well as, drivers with a DUI are prone to discover higher charges with State Farm.
Study extra in our USAA evaluation.
State Farm vs. Farmers
Farmers ranks No. 3 in our survey, inserting it one spot behind State Farm. State Farm usually has increased buyer satisfaction scores and outperforms Farmers in our customer support, buyer loyalty, and coverage renewal classes. Nonetheless, State Farm falls behind Farmers in terms of claims dealing with.
Drivers on the lookout for the most effective charge are prone to discover cheaper premiums with State Farm. Its charges are decrease for practically each group of drivers we analyzed in our examine. Nonetheless, drivers with poor credit score are prone to discover higher charges with Farmers. Its charges are practically $700 decrease than these provided by State Farm.
Study extra in our Farmers evaluation.
Is State Farm good automotive insurance coverage?
Sure, State Farm can present good automotive insurance coverage for a wide range of drivers. State Farm takes the No. 2 spot in our 2022 survey, and its clients get pleasure from above-average customer support. In addition they usually tend to keep loyal to the corporate and suggest it to others. Nonetheless, it might not be for everybody. These with poor credit score histories can anticipate to pay above-average charges.
Who ought to get State Farm automotive insurance coverage?
Drivers on the lookout for aggressive charges and dependable customer support could need to contemplate State Farm. State Farm has sturdy customer support scores and low charges for drivers in most classes, together with teen drivers and senior drivers. Drivers with a DUI might also need to contemplate State Farm. Its charge for drivers in that class is the bottom in our examine.
Whereas most drivers will discover aggressive charges with State Farm, drivers with poor credit score could need to contemplate different insurers. State Farms charge for this group of drivers is among the many highest in our examine.
The place can I get State Farm automotive insurance coverage?
State Farm is on the market in all 50 states and Washington D.C. State Farm insurance coverage will be bought on-line, over the telephone, or with a neighborhood agent.
How do I contact State Farm insurance coverage?
- Web site: https://www.statefarm.com/
- Mailing handle P.O. Field 588002, North Metro, GA 30029
- Customer support quantity: 1-800-440-0998
- Customer support e mail handle: On-line contact type
- Twitter & Instagram: @StateFarm
How does State Farm evaluate to different automotive insurance coverage corporations?
State Farm receives above-average scores in our Greatest Automobile Insurance coverage Firms of 2022 score. It locations second general, with sturdy scores in our Greatest for Buyer Service and Most More likely to be Renewed classes. State Farm doesn’t provide the bottom charges in our examine, however its charges are usually under the nationwide common. Drivers with a DUI will discover State Farms charges notably aggressive, whereas these with poor credit score are prone to discover the alternative. For those who’re looking for protection, getting and evaluating free charge quotes will help you learn how State Farm stacks up towards different insurers you might be contemplating.
