State Farm Car Insurance

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This review will tell you everything you need to know about State Farm Insurance. You’ll learn which states the company serves and where the company sits in terms of financial strength. We also provide details about how consumers view their experience with the company, as well as information on the many discounts it offers. Finally, we’ll walk you through how State Farm handles its claims process. From there, you’ll have all the tools you need to decide whether State Farm is the right insurance provider for you.

Best If

  • You want competitive discounts, strong mobile and online features, and high customer satisfaction

Worst If

  • You want mechanical breakdown coverage

By The Numbers

  • State Farm has about 18,000 agents
  • Offers insurance in all 50 states and Washington, D.C.

Consumer Reviews

  • TopTenReviews.com
    • Listed State Farm as the #4 ranked auto insurer in 2016, with a score of 8.5 out of 10
    • Raved about State Farm’s excellent customer satisfaction ratings
  • Reviews.com 
    • Gave State Far, 4 out of 5 stars
    • Loved State Farm's competitive discounts, strong mobile app, excellent online quote features, claims resources, and large number of agents
    • However, its lack of mechanical breakdown coverage and no Paid-in-full discount prevented the company from achieving a perfect score
  • Better Business Bureau
    • Gave State Farm an A- rating, though it is not BBB accredited 
    • Like its low amount of customer complaints and length of time in business; however, its failure to respond to some complaints hurt its overall score

Consumer Satisfaction and Financial Strength Ratings

Consumer Complaint Data

Year
Total Complaints
Percent Change
2016
105
+32%
2015
155
2014
178
+32%
2013
135
--
Source: National Association of Insurance Commissioners

J.D. Power ratings by region (out of 1000)

  • California: 828 — above average
  • Central: 830 — above average
  • Florida: 816 — below average
  • Mid-Atlantic: 826 — above average
  • New England: 815 — above average
  • New York: 831 — highest rated
  • North Central: 816 — above average
  • Northwest: 830 — above average
  • Southeast: 824 — slightly below average
  • Southwest: 830 — above average
  • Texas: 827 — below average

U.S. Auto Insurance Shopping Study (2016)

Overall Purchase Experience
Above average
Policy Offerings
Above average
Pricing
Average
Local Agent
Among the best
Call Center Representativ
--
Insurer Website
Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

Overall Satisfaction
Average
First Notice of Loss
Average
Service Interaction
Above average
Appraisal
Average
Repair Process
Above average
Rental Car Experience
Average
Settlement
Average
Source: J.D. Power

Financial Ratings

A++
A.M. Best
Superior rating; highest possible
Aa1
Moody's
High quality with very low credit risk; second-highest possible rating
AA
S&P's
Very strong; third-highest possible rating

Market Share

According to the NAIC (National Association of Insurance Commissioners) State Farm’s market share was 10.09 percent in 2015, making it the largest auto insurer in the US. That same year, the company wrote $59.36 billion in Property and Casualty premiums. 

Typical Discounts

Commercial Auto Insurance
If you’re a small business owner and have vehicles that you need to keep your business in operation (i.e. pickup trucks or box trucks), consider purchasing commercial auto insurance. It will cover you in the event an employee driving one of your business vehicles gets into an accident while making deliveries or running errands.

There are multiple coverage options for commercial auto insurance:

  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage
  • Personal Injury/Medical Payments Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorists Coverage

There’s also Employers Non-Owned Liability Coverage (ENOL). This policy basically ensures that should any of your employees use their own cars for business purposes, you personally won’t suffer any financial losses if they have an incident or cause any damage. 

Classic Car Insurance

State Farm provides coverage specifically for customers who own classic or antique vehicles. Its website also provides a brief guide that determines whether your car is eligible for Classic Car Insurance.

The available coverages for this type of policy are:

  • Liability
  • Medical Payments/No Fault
  • Comprehensive
  • Collision
  • Uninsured/Underinsured Motor Vehicles
  • Emergency Road Service
  • Death, Dismemberment, and Loss of Sight
  • Loss of Earnings

Roadside Assistance

State Farm Emergency Road Service

This service can help if you need: mechanical labor, towing, delivery of gas, tire change, battery jump-start, locksmith services, or if your car is stuck somewhere.

Roadside Assistance Services Covered

  • Mechanical labor at the site of your car’s breakdown (up to 1 hour) minor labor at the site
  • Towing to the nearest repair service center. Must be near a public road, not in the middle of the campsite
  • Delivery of gas, oil, battery, or replacement tire (but will not pay for these items)
  • Locksmith labor to unlock the car covered up to 1 hour

Services Not Covered

  • Towing cost beyond the nearest repair service center
  • Labor costs beyond the first hour

Contact Phone Number

State Farm’s Emergency Road Service is available by calling 1 (877) 627-5757. Its website is here.

Mobile Apps

State Farm has not only one, but seven mobile apps for your smartphone or web browser that can be used to manage your insurance policies.

Pocket Agent lets you view your insurance card, file or view a claim, access Roadside Assistance, and connect with your local agent. You can also use it to pay any pending insurance premiums and deposit checks to your State Farm bank accounts. To make the app more secure, State Farm has added a fingerprint Touch ID feature you can use to login.

CarCapture is powered by Edmunds.com, a reliable car shopping website. The app recognizes any vehicle you take a picture of from the back and then provides all the information and details you want to know about it. From there, you can determine its market value and even locate a nearby dealership, all while getting a State Farm auto insurance quote.

Steer Clear encourages good, smart driving behaviors. It lets you earn discounts for driving well while teaching you safe driving behaviors. Some new features include driving tips for dangerous weather conditions and videos about others’ driving experiences.

Driver Feedback is an app for drivers of all ages looking to improve some of their driving habits that tend to be a bit dangerous. The app focuses on the driving actions of accelerating, braking, and cornering, since they are the most risky behaviors. From there, the app uses your phone’s accelerometer to measure and score these areas and then provide you with tips based on your results.

Driver Feedback Instructor Edition was created with drivers-ed and parent instructors in mind. It helps instructors track the progress of their student drivers in a smart and easy way and give real-time feedback.

Drive Safe & Save Mobile is a free app you can use to help save money on auto insurance. The gist is that the less you drive and safer you drive, the more you have a chance of saving. The app also includes a wifi option so you can save data on your phone plan.

MoveTools makes the moving process that much easier. Aside from actually packing your belongings when you move, you can use MoveTools to virtually pack them as well. The app has organization features that let you label your boxes and write down each one’s contents so you can keep track of them during the move.

For more information and to download any of these State Farm mobile apps, click here

 

History

Retired farmer and insurance salesman George Jacob Mecherle started State Farm in Bloomington, Illinois, in 1922. His dream was to build an insurance company that specializes in auto coverage for farmers and is owned by policyholders. Before long, the company expanded into other types of insurance, and today it offers over 100 products.

The company’s motto, “Like a good neighbor, State Farm is there,” may be its most iconic aspect. Here’s a fun fact: the State Farm jingle was written by Barry Manilow in 1971, and then covered by Weezer in 2011. Its cornerstone products are auto, life, and fire, which make up the three circles in its logo. The company also sponsors a number of sports teams, arenas, and universities.

Claims Process

To file a claim with State Farm, click here.
If you’ve filed a claim, and wish to view it, you can do so here.

You can also file a claim using one of the State Farm mobile apps, Pocket Agent. Once you file your claim, a State Farm representative will contact you to further assess the damages and details. Then, the claim will be processed and you can begin your auto repair process.

You may also contact your insurance agent, or call 1 (800) 782-8332, 24 hours a day.

Contact Information

Claims Site
Consumer Affairs Site

Mailing Address:
One State Farm Plaza
Bloomington, IL 61710

Customer Service Phone Number: 1 (800) 782 - 8332