State Farm Insurance review 2025

In Bankrate’s 2025 analysis of auto insurance carriers, State Farm received a high Bankrate Score of 4.3 out of 5.0. Our State Farm insurance review looked at average premium data along with coverage offerings, discount availability, financial strength ratings and customer satisfaction scores. State Farm, which works with an extensive nationwide network of local agents, consistently outranks the industry average in J.D. Power customer satisfaction studies, and its A++ (Superior) financial strength rating from AM Best is the highest possible.

State Farm offers auto insurance in all states except Massachusetts and Rhode Island. In terms of coverage, State Farm’s offerings are fairly basic; beyond standard coverage like liability, comprehensive and collision coverage, State Farm offers just a handful of common endorsements, including ridesharing coverage, roadside assistance and travel expense coverage. Available discounts from State Farm vary based on location, but many states have a long list of discounts for auto insurance.

Pros and cons of State Farm car insurance

State Farm car insurance presents a mix of advantages and disadvantages. Understanding the company’s strengths and weaknesses may help you determine whether it’s a good fit for you:

With nearly 18 percent of the market share, State Farm is the most popular provider of homeowners insurance in the U.S. That may be partly due to its near-nationwide reach — policies are available in all states except California, Massachusetts and Rhode Island. The company earned a Bankrate Score of 4.1 for its home insurance product.

High customer satisfaction scores and an excellent track record for claims (per J.D. Power) set State Farm apart. In addition to standard homeowners coverage, such as dwelling, personal property, liability and additional living expense coverage, State Farm offers homeowners many opportunities to customize their policies. State Farm’s personal articles coverage adds financial protection for items like jewelry, keepsakes, equipment and medical devices that might not otherwise be fully covered. Policyholders can also take advantage of replacement cost coverage, an electrical fire prevention program in partnership with Ting and State Farm’s Premier Service Program, which helps eligible policyholders find reputable contractors following a covered loss.

Pros and cons of State Farm homeowners insurance

If you’re looking for home insurance quotes, you may want to include State Farm in your search. The pros and cons listed below give a quick snapshot of State Farm’s strengths and weaknesses as an insurer:

State Farm’s life insurance offerings earned a 2025 Bankrate Award for Best Term Life Insurer. The carrier also outranked all other companies for overall customer service in the 2024 J.D. Power U.S. Individual Life Insurance Study and made Bankrate’s list of the best cheap life insurance companies.

Strong digital tools, a nationwide network of local insurance agents and A++ (Superior) financial strength ratings from AM Best make State Farm an attractive option for individuals seeking a strong life insurance policy. In addition to term life and universal life insurance policies, State Farm offers whole life insurance. If you’re not sure which type of life insurance is right for you, State Farm’s online calculator can help you pick a policy — or you can work with your local State Farm agent.

Our State Farm insurance review covers the strengths and weaknesses of State Farm’s auto, home and life insurance offerings — but how does State Farm compare to the competition? Here’s a quick look at how State Farm stacks up against two major competitors:

State Farm comes by its vast market share honestly: for auto, home and life insurance, State Farm is a good option for many customers. Generally affordable rates and strong financial strength ratings put State Farm ahead of the competition in many areas. State Farm’s biggest strength might be its high customer satisfaction scores, as evidenced in J.D. Power studies and low customer complaints.

What are real-life customers saying about State Farm?

To get a closer look at how actual customers rate their State Farm experience, Bankrate’s insurance editorial team pored over forum postings to glean insights from real policyholders sharing reviews with other consumers. We found a wide range of responses, from frustrated ex-State Farm policyholders sharing negative claims experiences to loyal policyholders reporting low rates and excellent service over decades.

Reddit

Perspectives on State Farm vary across Reddit’s personal finance forums. While plenty of customers related negative experiences and frustration with State Farm’s handling of claims, many others highlighted low rates and great local agents as reasons they’ve stayed with State Farm.

Bogleheads.org

Investing forum Bogleheads.org had more broadly positive views of State Farm. Most of the users who provided insights reported being long-time customers, and named low prices and discounts as some of the reasons they’ve stayed with State Farm rather than switching to another insurer.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

State Farm company details

To get in contact with State Farm, current policyholders can reach out to their State Farm agent or use the mobile app to initiate a claim, contact service or summon roadside assistance. You can also use the phone numbers below to reach State Farm’s service lines:

• Customer service: 1-800-782-8332
• Claims: 1-800-732-5246
• Emergency road service: 1-877-627-5757
• State Farm agency locator available at: statefarm.com/agent/

State availability

• Car insurance: All states except MA and RI
• Home insurance: All states except CA, MA and RI
• Life insurance: All states except MA, NY, and WI
• Life and accident insurance: Only in NY and WI

State Farm tools and benefits

In addition to its auto, home and life insurance offerings, State Farm provides other insurance and banking products that might be advantageous for some customers.

• Landlord insurance: If you own a property that you rent out to tenants, you might be interested in State Farm's renters and rental property insurance. For property owners, State Farm’s landlord insurance offering includes standard dwelling coverage as well as coverage for loss of rent due to a covered peril.
• Renters insurance: For renters, State Farm also writes some of the best renter insurance policies. This type of insurance covers your personal possessions if they’re damaged or stolen and may help cover living expenses if you need to move out of your rental due to a covered loss.
• Umbrella insurance: Umbrella insurance may help protect your finances by paying additional liability coverage for home and auto policies in the event of a major liability claim or lawsuit.
• Identity theft protection: For around $25 per year, you may add identity theft protection to your home, condo or renters insurance policy. Policies are available in all states except for North Carolina.
• Boat insurance: State Farm’s standard boat insurance policy includes liability coverage in addition to protection from sinking, storms, theft and other perils.
• Condominium insurance: You can purchase condo, or HO-6, insurance from State Farm if you cannot get insurance through your condo association.
• Personal banking: State Farm offers a suite of personal banking and investment products through its partnership with US Bank, like credit cards, checking accounts and consumer loans.

Frequently asked questions about State Farm

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

Additional profiles:

• Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.