State Farm Car Insurance Review [2025]

Our State Farm insurance review found that State Farm auto insurance offers several benefits to its policyholders, including:

• Comprehensive Coverage: State Farm provides a wide range of insurance options, including auto, home, renters, life, and more, allowing you to protect various aspects of your life.
• Strong Financial Stability: State Farm is one of the largest and most financially stable insurance companies in the United States. This stability gives policyholders confidence that their claims will be paid promptly and efficiently.
• Network of Agents: State Farm has a vast network of local agents across the country. These agents can provide personalized assistance, answer your questions, and help you navigate the insurance process.
• Variety of Discounts: State Farm offers various discounts to help policyholders save on their premiums. These discounts may include multiple-policy car insurance discounts, safe driving discounts, and discounts for security features in your home.
• Mobile App and Online Tools: State Farm provides a user-friendly mobile app and online tools that allow you to manage your policies, file claims, make payments, and access important documents conveniently.
• Claims Service: State Farm has a reputation for efficient and reliable claims handling. Their claims representatives strive to provide prompt and fair settlement of claims, ensuring a smooth and hassle-free experience for policyholders.
• Financial Products and Services: State Farm offers a range of financial products, including banking, investment, and retirement options. This comprehensive approach allows you to access multiple services under one roof.

Yes, State Farm insurance reviews found that apart from the aforementioned benefits, State Farm also offers the following advantages:

• Community Involvement: State Farm has a long-standing commitment to giving back to communities. The company actively participates in charitable initiatives, disaster relief efforts, and community development programs.
• Personalized Policies: State Farm understands that each policyholder has unique needs. Their agents work closely with individuals to customize insurance policies that align with their specific requirements, ensuring adequate coverage and peace of mind.
• Educational Resources: State Farm provides educational resources and tools to help policyholders make informed decisions about their insurance coverage. These resources include articles, guides, and online calculators to assist in understanding insurance terminology and determining appropriate coverage levels.
• Good Neighbor Service: State Farm emphasizes its “Good Neighbor” philosophy, aiming to be a reliable and helpful resource for policyholders. Their commitment to personalized service and building long-term relationships sets them apart from other insurance providers.

Yes, State Farm provides several additional perks and benefits to enhance the overall insurance experience. Some of these perks include:

• Steer Clear Program: State Farm offers the Steer Clear Program, which is designed for young drivers to help them develop safe driving habits and earn discounts on their auto insurance premiums.
• Drive Safe & Save: State Farm’s Drive Safe & Save program utilizes telematics technology to monitor driving habits. By participating in the program, policyholders may be eligible for discounts based on their safe driving behaviors.
• Roadside Assistance: State Farm offers optional roadside assistance coverage that provides 24/7 emergency assistance for services such as towing, fuel delivery, jump-starts, and lockout assistance.
• Rental Car and Travel Expenses Coverage: Depending on the policy, State Farm may provide coverage for rental cars or reimbursement for travel expenses incurred if your insured vehicle is involved in an accident and requires repairs.
• Home Alert Protection: State Farm offers home insurance policyholders the option to add Home Alert Protection, which provides discounts on home security systems and monitoring services.
• Mobile Home Endorsement: For mobile home owners, State Farm offers a mobile home endorsement that provides specialized coverage options specifically tailored to mobile homes and their unique risks.

Yes. You can view, print, and email a new insurance card, or request a mailed ID card through the State Farm website. You can also pull up your ID through the mobile app.

If your car floods, it will be covered under State Farm’s comprehensive coverage. Read more in our article, Does car insurance cover water leaks?

The minimum amount of liability coverage you’re legally required to have varies by state. You may also decide to purchase liability coverage beyond your state’s minimum requirements. The State Farm agent who handles your policy will be able to advise you on your state’s minimum requirements.

You’ll need to check your State Farm auto insurance policy to verify whether you’re covered for repairs. That being said, State Farm covers both windshield repairs and replacements, depending on the extent of the damage. Your deductible may apply.

Check out our article for more details: What states have full glass coverage?

Yes, you can pay your State Farm bill online through their website, and you can even pay using a phone number, policy number, payment plan account number, or key code.

Yes, State Farm offers the option to bundle multiple insurance policies, which can lead to potential cost savings and convenience.

By bundling your auto, home, renters, or other insurance policies with State Farm, you may qualify for a multi-policy discount. This discount is applied when you have two or more qualifying policies with State Farm.

Yes, State Farm auto insurance reviews found that in addition to the multi-policy (bundling) discount, other common discounts State Farm offers include safe driving discounts, good student discounts, and discounts for installing safety devices in your car or home.