State Farm car insurance review

4.5 / 5 editorial rating

By the Five Star Insurance Reviews editorial team · Updated October 13, 2026

Quick take

Best for: Drivers who want a local agent
Stands out: Large agent network
Keep in mind: Agent-based buying can take longer than online-only

General overview based on published features. Coverage, discounts and availability vary by state; confirm details with State Farm. How we rate

At a glance

Sold through	Local State Farm agents, plus online quoting
Where available	Check your state
AM Best rating	A++
Usage-based program	Drive Safe & Save, not offered in every state

Details verified October 2026 from carrier websites, AM Best and published reviews. AM Best ratings and state availability can change, so confirm with the carrier and at ambest.com.

What it does well

Large agent network
Savings for bundling home, renters or life

Watch out for

Agent-based buying can take longer than online-only

Who it may suit

State Farm tends to suit drivers who want a local agent.
Look at other carriers too if this worries you: agent-based buying can take longer than online-only.

Before you buy: check these

Financial strength: Look up the insurer’s financial strength rating from agencies such as AM Best. It shows how likely the company is to pay claims.
Complaint history: Search your state department of insurance and the NAIC consumer insurance search for complaints about the company.
Claims and service: Read recent customer surveys, such as J.D. Power studies, and independent reviews, and ask people who have filed claims.
Coverage details: Compare the same limits and deductibles on every quote, and ask which discounts are applied.

Questions to ask before you buy

Which coverages and limits are included, and which are optional add-ons?
What deductible applies to collision and comprehensive?
Which discounts am I getting, and which could I still qualify for?
How does the price change at renewal, and what could raise it?
How do I file and track a claim?

Compare State Farm and other quotes

Keep comparing

FAQs

Is State Farm a good fit for me?

State Farm tends to suit drivers who want a local agent. Your quote depends on your own profile, so compare at least three carriers before you decide.

Does State Farm have the cheapest rates?

No carrier is cheapest for everyone. Rates vary by driver, vehicle and location, so the only way to know is to compare quotes.

How do I get a State Farm quote?

You can request quotes from several carriers at once through our partner, or visit State Farm’s own website.

How can I check State Farm’s financial strength and complaints?

Look up financial strength ratings from agencies such as AM Best, and search complaint history through your state department of insurance and the NAIC consumer insurance search. Do this before you buy.