State Farm Car Insurance Review for 2025 Drivers

State Farm is the largest auto insurer in the U.S., offering a century of experience and a huge network of agents. This State Farm car insurance review for 2025 drivers covers everything you need to know about coverage, quotes, discounts, and customer service. You’ll learn about State Farm’s coverage options, average rates, available discounts (like Drive Safe & Save™ and Good Student), and what real customers say. By the end, you’ll know if State Farm is right for you, and how to save on your State Farm car insurance.

State Farm’s brand and vast network make it a familiar name. In our guide, we’ll explain policy features (liability, collision, comprehensive, uninsured motorist, etc.), how to get quotes, and the company’s reputation for claims and service. We also include updated insights for 2025 drivers, such as the latest average premiums and top discounts. Read on to see how State Farm stacks up for teens, seniors, and the average driver in 2025.

State Farm at a Glance: Company Overview

State Farm Mutual Automobile Insurance Company was founded in 1922 and is now the #1 auto insurer in America. Its affiliates manage over 96 million policies and accounts across all lines (auto, home, life, etc.). With 19,200+ agent offices and 65,000 employees, State Farm’s reach is nationwide. This scale brings stability and a wide product offering. State Farm has earned top financial ratings (A++ from AM Best) and is known for a large agent network, app-based tools, and 24/7 claims support.

• Ratings and Reputation: WalletHub’s editors give State Farm a 3.8/5 editor rating, praising its quick claims turnaround and wide coverage options. MoneyGeek ranked it 6th nationwide for customer satisfaction and noted its affordability. The Zebra rates State Farm “Good (3.6/5)” and finds 89% of customers recommend it.
• Scale and Stability: State Farm is the largest auto insurer in the U.S. – over 100 years of experience, 19,000 agents, and “over 96 million policies and accounts”. This means strong financial backing and a wide distribution network.
• Market Position: State Farm usually offers competitive rates, especially for safe drivers. WalletHub notes it’s in the second-cheapest quartile of major insurers. MoneyGeek ranks it 6th for overall cost (full coverage ~$119/month) and liability (~$50/month). However, rates vary by profile and location.

In short, State Farm brings scale and stability (strong financial ratings A++) and a variety of insurance products. It typically offers good premiums for clean drivers, though some policyholders cite slower claims handling in certain cases. The rest of this review digs into coverage details, costs, discounts, and more.

State Farm Car Insurance Coverage

State Farm’s auto policies include all the standard coverages plus many optional extras. Basic coverage options are:

• Liability (Bodily Injury and Property Damage): Covers the other party’s expenses if you’re at fault. This meets state minimum requirements.
• Collision: Pays for damage to your car if you crash into another vehicle or object.
• Comprehensive: Covers non-collision losses like theft, vandalism, fire, and animal collisions.
• Uninsured/Underinsured Motorist: Protects you if another driver causes an accident and lacks sufficient insurance.
• Medical Payments/PIP: Pays medical expenses (and sometimes lost wages) for you and passengers after an accident.
• Emergency Roadside Assistance: Towing, jump-start, or tire change help after breakdown or accident.

State Farm also offers supplemental coverages to fill gaps:

• Rental Car Reimbursement & Travel Expenses: Pays for a rental or travel/lodging costs while your car is repaired.
• Travel/Loss of Use: Reimburses lodging/meals if an accident happens far from home.
• Custom Equipment: Coverage for aftermarket parts (like custom rims or sound systems).
• Rideshare Insurance: For drivers using services like Uber/Lyft, State Farm’s rideshare add-on covers gaps when the app is off versus on.

State Farm’s policies can be bundled with home, life, renters, and other policies to save more. Their coverage is highly customizable – drivers can choose limits, deductibles, and extras like loan/lease payoff (gap insurance) or pet injury coverage. Overall, State Farm covers the “nuts and bolts” of any auto policy, plus some extras (rideshare, custom parts, etc.). In our review sections below, we’ll see how these coverages factor into quotes and costs.

State Farm Car Insurance Quotes and Rates

How much you’ll pay for State Farm car insurance depends on many factors: age, driving record, car model, location, credit (where allowed), and coverage levels. State Farm’s quotes tend to be competitive for average drivers. MoneyGeek found State Farm’s full-coverage premiums average $119 per month and liability-only around $50 per month for a typical 40-year-old driver. These placed it 6th-best nationwide for affordability.

However, premiums can vary widely by profile:

• Young/High-Risk Drivers: Example quotes from WalletHub illustrate State Farm’s rates: an 18-year-old might pay $123/mo, whereas a 45-year-old with a clean record pays around $60/mo. Add a speeding ticket or DUI and rates jump to $91 or $187. Good students and teens see discounts (below), but expect higher base rates for teens.
• Average Drivers: According to MoneyGeek’s analysis, a 40-year-old with good credit and no violations has State Farm mid-ranked in price. WalletHub’s sample quotes show middle-range rates for drivers (e.g. 45-year-old with no issues: ~$60/mo).
• Geographic Variation: Insurance costs vary state by state. In some states, State Farm may be the cheapest option, and in others only mid-pack. MoneyGeek notes State Farm is #1 in affordability in 4 states (VT, MT, WY, TX).

On average, WalletHub reports that a good-driver pays around $598/year for minimum coverage and $1,428/year for full coverage. These averages hide the range: minimum-coverage annual premiums can start as low as ~$482 or as high as $9,194, depending on risk and state. Full-coverage ranges were roughly $1,143 to $19,415 annually. In short, safe drivers in low-cost states will pay much less than high-risk drivers in expensive areas.

To get a custom quote, you can use State Farm’s online quote tool or contact a local agent. According to Insurify, you enter your zip code on State Farm’s site, then build a Personal Price Plan to see quotes. Or call (800) 782-8332 to speak to an agent. Comparing quotes via aggregator sites can also help, but the best way to get your accurate price is to get a personalized quote.

Bottom line on rates: State Farm’s rates are generally competitive, especially if you qualify for discounts. It’s often cheaper than the national average, ranking in the cheaper half of insurers. But premiums for young and bad-driving profiles can be higher (typical of all insurers). Always compare State Farm’s quote with a couple of rivals before deciding. Many drivers find State Farm worth it for the service and discounts; some with prior issues may find cheaper niche insurers.

State Farm Car Insurance Discounts

State Farm is known for a wide range of discounts, which can significantly lower premiums. Key discounts include:

• Drive Safe & Save™: This usage-based discount starts with an initial enrollment saving and can reach up to 30% off your premium based on safe driving monitored via app or device. (WalletHub notes the “Drive Safe & Save” program and other discounts.)
• Steer Clear®: For new drivers under 25, this program offers up to 15% off for completing a safe-driving course and maintaining good habits.
• Good Student Discount: Teen and student drivers with a GPA of 3.0+ or in the top 20% of class can save up to 25%. This discount can apply until age 25.
• Multiple Car (Multi-Auto) Discount: Insuring two or more vehicles with State Farm earns up to 20% off.
• Multi-Policy (Bundling): Combining auto with home, renters, condo, or life insurance can save money. State Farm often offers a “bundle and save” incentive for using multiple policies.
• Safe Driver: If you have a clean driving record (no accidents or tickets for 3+ years), you get a discount as a good driver.
• Passive Restraint/Anti-theft: Cars with factory airbags (passive restraints) can get up to 40% off medical payment coverage. An anti-theft device can also earn a discount.
• Defensive Driving: Taking an approved driver safety course (especially for seniors) may reduce your rates.
• Low Mileage: If you drive less than average, ask about a low-mileage discount (varies by state).
• Loyalty/Long-Term: Some states offer a discount for staying continuously insured with State Farm.

These discounts stack in many cases. For example, a teen with good grades who also uses Drive Safe & Save and insures multiple cars could see big savings. State Farm’s site suggests asking your agent about hidden discounts like student away, loyalty, etc.. For teens, State Farm’s “Good Student” plus Driver Training plus Steer Clear can cut costs up to 25% each.

Remember that actual discount availability and amount can vary by state (some states cap percent). For instance, Drive Safe & Save can exceed 30% in some states. Always check with your State Farm agent which discounts apply to you. In 2025, these discounts remain one of State Farm’s biggest selling points: WalletHub cites them as “generous discounts” that help make policies more affordable.

Top discounts summary: Drive Safe & Save (safe driving program) – up to 30%; Good Student – up to 25%; Multi-Car – up to 20%; Steer Clear (young drivers) – up to 15%; plus more for bundling, airbags, anti-theft, etc. These should be factored into any quote to maximize savings.

State Farm Car Insurance for Teens

Adding a teenager to your policy can be costly, but State Farm tries to help families save on teen insurance. State Farm’s official teen page notes competitive rates and emphasizes discounts that reduce teen costs. Key points for teen drivers:

• High Base Premium: Teen drivers (16-19) have the highest premiums. WalletHub’s data shows an 18-year-old pays around $123/month with State Farm. If the teen has any tickets, this jumps (e.g. to $91 or $187 for a 45-year-old with infractions) – teens are treated even more harshly.
• Steer Clear Program: For new drivers under 25, the Steer Clear program rewards safe driving with discounts. Completing the program and maintaining a good record can save up to 15%. This is specifically designed to give young drivers an edge if they drive safely.
• Good Student Discount: Very important for teens. State Farm automatically offers up to 25% off if the teen has a 3.0+ GPA or similar achievement. This is one of the largest possible discounts, and it can last through college age.
• Driver Training: Completing approved driver education courses can earn discounts (often required for Steer Clear eligibility).
• Student Away Discount: If the teen is a student away at college and rarely uses the family car, some states allow a discount.
• Additional Tips: Parents can lower teen premiums by removing collision/comprehensive on an older car, increasing deductibles, or choosing a safer car. Bundling home and auto can also help with overall costs.

State Farm also markets its teen service via tech and support: it handles “28,000+ claims daily” and has a 4.8/5 rated app to assist with claims and payments. Their emphasis is on friendly local agent support (“over 19,000 agents ready to help”) for worried parents.

Overall, while State Farm’s teen rates are high (like any insurer), the abundance of discounts (especially Good Student and Steer Clear) can make a big difference. For example, WalletHub notes students can “save up to 25%” on teen insurance. MoneyGeek’s user reviews even highlight parents benefiting from an agent’s personal help when adding a teen. In our FAQ below we’ll cover whether State Farm is a good teen choice (spoiler: it’s solid if you use those discounts).

State Farm Car Insurance for Seniors

Senior drivers often see shifts in premiums and can qualify for special discounts. State Farm does not have a unique “senior discount” by age alone, but it does offer safe-driving programs that seniors can use. For example, completing a defensive driving course can reduce rates – a discount available to drivers of any age.

WalletHub’s senior insurance guide notes State Farm’s senior premiums are moderate: in one analysis a 65-year-old with good record paid about $559 per year (versus $461 for Geico, $800+ for Allstate). In Florida-specific data, State Farm’s seniors averaged $756/yr – again roughly middle-of-the-pack. State Farm ranks 4th in savings for seniors completing courses in WalletHub’s methodology.

Key points for seniors:

• Safe Driving Discounts: Good driver discounts and defensive driving course discounts apply regardless of age. Seniors often qualify for up to 15% off by completing an approved mature driver program (required by law in some states).
• Usage-based Discounts: State Farm’s Drive Safe & Save can benefit senior drivers especially if they drive fewer miles. Seniors who drive cautiously can see up to 30% off.
• Low Mileage: Many seniors drive less, and insurers (including State Farm) may offer lower rates for low mileage usage.
• Policy Adjustments: Seniors can adjust coverage to fit their needs (e.g. drop collision on an old paid-off car).
• Customer Service: State Farm agents often highlight their service to older customers. Many seniors appreciate the in-person agent interaction that State Farm provides compared to all-online insurers.

In summary, State Farm is a solid choice for senior drivers with safe records. It may not have an automatic age-based discount, but it provides flexible coverage and discounts that seniors can use. In fact, WalletHub explicitly mentions State Farm offers discounts for defensive driving courses, making it more affordable for mature drivers. As with teens, the large agent network means local help is always available.

Filing Claims with State Farm

Customers often ask how easy it is to file a claim with State Farm. State Farm claims process includes multiple channels: you can file online via their mobile app or website 24/7, call the toll-free claims line (800-732-5246), or visit your local agent. State Farm’s mobile app (4.8/5 in App Store) lets you upload damage photos and track your claim.

From user feedback: WalletHub praises State Farm for typically quick claims inspection and payout, though real reviews are mixed. In MoneyGeek and Zebra reviews, many customers report smooth, fast claims and helpful adjusters, especially in simple accidents. In fact, MoneyGeek user reviews highlight quick claim resolutions and satisfied agents who guide policyholders. For example, one driver noted that after being rear-ended the claim was resolved “without any drama” and the agent explained coverage clearly.

However, some customers note downsides. Both Zebra and MoneyGeek mention slower processing and transparency issues as potential drawbacks. It’s often said that State Farm has good service but can be strict on claims. Policyholders have complained about long investigations or denials over policy details. WalletHub notes State Farm’s NAIC complaint ratio is above average, which suggests some dissatisfaction in claims handling.

Overall, we can say: State Farm generally handles claims well, with many customers praising quick service and agent support. Yet some policyholders have experienced delays or disputes. Tips for claimers:

• Report damage promptly via app or agent.
• Document everything (photos, police report if needed).
• Keep communication clear with your adjuster.

Because State Farm has local agents, many drivers prefer going in-person or calling their agent to initiate a claim. According to State Farm, they process an average of 28,000+ claims daily – a sign of scale. For 2025, with weather events (e.g. more storms) on the rise, expect claims workflows to be busy. But State Farm’s strong financial ratings suggest they’ll be able to pay valid claims.

State Farm Customer Service

Customer service and agent support are major factors in satisfaction. State Farm is well-known for its agent-centric model. Each policy is sold through a local agent (19,000 nationwide) who can provide personalized advice. Customer service channels include phone, email, online chat, and a 24/7 call center. State Farm also promotes its app: “rated 4.8/5 with 1M+ reviews” for managing policies.

Survey and review data on service:

• High Satisfaction: MoneyGeek and Zebra both rank State Farm high on customer experience. MoneyGeek gave State Farm 4.39/5 for customer experience. They cite “strong agent service” as a reason for a 6th-place overall satisfaction ranking.
• Support Channels: The Zebra mentions customers like the “availability of support channels” (phone, chat, app, agent). Many customers appreciate having a real person to talk to.
• User Reviews: Positive reviews from policyholders often mention helpful, responsive agents and convenient mobile tools. One user praised the agent for clearly explaining coverage and quickly responding. Another noted saving $1,100/year by bundling and fast email responses.
• Critiques: On the flip side, some feedback mentions frustration with customer service in claims contexts – i.e. slow communication or rigid procedures. However, for everyday service (bill pay, policy changes), reviews are generally positive.

Consumer ratings: State Farm’s J.D. Power rating is around 3.3/5 for auto claims satisfaction (about average) and their NAIC complaint index is 1.35 (above average complaints). BBB rating is listed as F – often due to complaint volume, not necessarily reflecting typical service.

In practice, the local agent network is a key advantage. Many customers emphasize “my State Farm agent is literally down the street” and that personal service makes a difference. If you prefer in-person help, State Farm excels compared to online insurers. Between the trained agents and the digital app, they cover a lot of bases.

Pros and Cons of State Farm Car Insurance

Pros:

• Wide coverage options (liability, collision, comp, uninsured, rideshare, etc.).
• Large network of local agents and strong customer support.
• Attractive discounts (up to 30% for safe driving, 25% for students, etc.).
• Strong financial stability (AM Best A++, Moody’s Aa1).
• Online/mobile tools well-rated (high app rating).
• Good for bundling auto with home or life insurance to save more.

Cons:

• Premiums for young or high-risk drivers can be above average.
• Claims process can sometimes be slow or tightly controlled.
• Complaints are slightly above industry average (NAIC index 1.35).
• Fewer exotic coverage add-ons than some niche insurers.
• BBB rating is low (F) due to complaints volume.

On balance, State Farm’s service and discounts often outweigh the cons for many drivers. Its broad coverage and agent support are big pluses. But if you’re a teenager or have multiple violations, compare a few quotes: some newer insurers might beat State Farm’s price for those cases.

FAQs About State Farm Car Insurance

Q: Is State Farm a good car insurance company?
A: Yes, State Farm is widely regarded as a good choice for most drivers. It ranks among the top insurers for affordability and satisfaction. WalletHub gave it 3.8/5 and The Zebra calls it “Good (3.6/5)”. Its large agent network and financial strength (AM Best A++) are advantages. However, as with any insurer, there are customer complaints, so review its pros/cons for your profile.

Q: How much does State Farm car insurance cost on average?
A: Premiums vary, but on average WalletHub found ~$598/year for minimum coverage and $1,428/year for full coverage. MoneyGeek reports about $119/mo full coverage and $50/mo liability for a typical driver. In some analyses, a clean 65-year-old might average ~$559/year. Actual rates depend heavily on age, location, driving record, and discounts.

Q: What discounts can I get with State Farm?
A: State Farm offers dozens of discounts. Major ones include Drive Safe & Save™ (usage-based, up to 30% off), Good Student (up to 25% off), multi-car (up to 20%), multi-policy, safe driver, anti-theft, passive restraints, and defensive driving courses. Teen drivers can use Steer Clear (up to 15%). Bundling home+auto also saves. Check with your agent for all applicable discounts.

Q: Can I get State Farm car insurance quotes online?
A: Yes. Visit State Farm’s website, select “Auto,” and enter your ZIP code to get a personalized quote. You may need to answer questions about your vehicle, driving history, and coverage needs. Alternatively, call a local State Farm agent or use a quote comparison site. Because rates are personalized, getting a direct quote is the most accurate way.

Q: Does State Farm have good customer service?
A: Overall, State Farm’s customer service is rated well. MoneyGeek ranked State Farm 6th for customer satisfaction, noting “strong agent service”. Customers like the multiple support channels and the helpfulness of agents. That said, some complaints exist about claim-handling speed and clarity. In general, if personal service (phone/app/agent) is important to you, State Farm is a solid pick.

Q: Is State Farm car insurance available near me?
A: State Farm has one of the largest agent networks in the U.S. – there’s very likely a State Farm agent in or near your community. You can find a local agent by visiting statefarm.com and using the “Find an agent” tool, or by calling 1-800-STATE-FARM. Agents provide personalized service and can answer specific local questions, which is why State Farm is often labeled “insurance with a neighborly agent nearby”.

Q: How do I file a claim with State Farm?
A: You can file a claim with State Farm 24/7 online, via their mobile app, by phone, or through your agent. State Farm’s app is highly rated and lets you submit photos and documentation directly. For immediate assistance after an accident, call the claims line (typically 24/7) or notify your local agent. Keep your policy number handy and document any damage (photos/videos) to speed up processing.

Q: What coverage options are available for teen drivers?
A: The same coverages apply: liability, collision, comprehensive, uninsured motorist, etc. State Farm specifically highlights their teen savings (Good Student, Steer Clear). They also advise parents on ways to lower teen costs, like choosing a safer vehicle or adjusting coverage. Be sure to list the teen on your policy as required by law, but use State Farm’s discounts to mitigate the higher premiums.

Conclusion

State Farm car insurance remains a top choice for 2025 drivers thanks to its strong coverage, vast agent network, and robust discounts. We found that State Farm typically offers competitive rates – ranking in the upper-middle of insurers – especially for safe drivers and those who take advantage of discounts (Safe driving programs up to 30% off, Good Student 25%, etc.). State Farm covers all the essentials (liability, collision, comprehensive, uninsured motorist, and optional extras like rental reimbursement and rideshare coverage).

In user reviews, drivers praise State Farm’s customer service and claims support, noting helpful agents and smooth processes in many cases. Of course, no insurer is perfect: some policyholders report occasional claim delays or high rates for high-risk profiles.

Our take: If you value a trusted insurer with local agents and good coverage flexibility, State Farm is worth serious consideration. Compare quotes (especially if you’re a teenager or senior) and ask about all discounts. But for many drivers, State Farm’s combination of service, discounts, and financial stability makes it a strong candidate for auto insurance in 2025.

What’s your experience with State Farm car insurance? Have any tips for saving or filing claims? Share your thoughts below and join the conversation! And if you found this review helpful, please consider sharing it on social media.