LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
Fintiex
Get started
Insurance / Auto
Auto insurance review

State Farm Auto Insurance Review (2026)

State Farm earned 4.6 / 5 in our 2026 review. Best for: agent-based service, top jd power scores. Here is the full breakdown.

By the Fintiex Insurance Desk · Updated 2026-05-02
Get a State Farm quote Compare all 8 auto carriers
Key stats
Annual premium
$1,500 to $2,200
AM Best
A++
JD Power
891 / 1000
Bundling discount
Up to 17%
States available
All 50 states
Good driver discount
Up to 15%
Digital experience
Good
Fintiex rating
4.6 / 5
Pros
  • +Largest auto insurer in the US with extensive agent network
  • +Top JD Power customer satisfaction rankings
  • +Drive Safe and Save telematics discount program
  • +Steer Clear program for young drivers to earn discounts
  • +Strong bundling discounts with home and renters insurance
  • +A++ AM Best financial strength rating
Cons
  • -Not always the cheapest option for younger or high-risk drivers
  • -Digital experience lags behind GEICO and Progressive
  • -Rates vary widely by state and agent

Coverage available

Liability onlyFull coverageMinimum stateHigh-value vehicles

State Farm writes the standard mix of auto policies. Most drivers will want full coverage (liability plus collision and comprehensive). Drivers with older paid-off cars may consider liability-only to save money, but only if you can afford to replace the vehicle out of pocket.

Best for

State Farm is the right pick if you prioritize agent-based service, top jd power scores. The carrier scores especially well on financial strength claims service, and customer satisfaction. If you do not match this profile, compare against the other top picks on our auto insurance hub.

Overview

State Farm is one of the highest-rated auto insurance carriers in the United States, with an AM Best financial strength rating of A++. The carrier is best known for agent-based service, top jd power scores, with average annual premiums in the $1,500 to $2,200 range for full coverage on a typical 35-year-old driver with a clean record.

On the customer-experience side, State Farm scored 891 on the latest JD Power US Auto Insurance Study (1,000-point scale). That puts it well above the industry average. The digital experience is rated good, with a functional app and online portal for policy management, claims, and ID cards.

Bundling is a major lever: combining your auto policy with home or renters insurance can save about 17 percent on both policies. State Farm also offers a good driver discount of up to 15 percent for accident-free histories. Add in paperless billing, multi-vehicle, and safety feature discounts and the all-in savings can reach 30 to 40 percent off rack rate.

How to get a State Farm quote

Getting a quote from State Farm takes about 10 minutes online. You will need your driver license number, vehicle VIN, current insurance declarations page (if any), and an idea of the coverage limits you want. The carrier may also run a soft credit check in states where credit-based insurance scoring is allowed.

  • Visit the State Farm quote page and start the auto application
  • Enter ZIP code, driver and vehicle info, and prior insurance details
  • Select your coverage limits (we recommend at least 100/300/100 liability)
  • Review the quote, apply any discounts (good driver, bundling, paperless)
  • Bind the policy online or call to finalize with an agent
Start a State Farm quote

Frequently asked questions

Is State Farm a good auto insurance company?
State Farm earned 4.6 out of 5 in our 2026 review. It carries an AM Best rating of A++ and a JD Power satisfaction score of 891 out of 1,000. Best for: agent-based service, top jd power scores.
How much does State Farm auto insurance cost?
Average premiums range from $1,500 to $2,200 per year for full coverage. Your actual rate depends on driving record, vehicle, location, credit score, and coverage limits. Get a quote at State Farm to see your exact rate.
What discounts does State Farm offer?
State Farm offers a bundling discount of about 17 percent for combining auto with home or renters insurance, plus up to 15 percent off for clean driving records. Additional discounts may apply for paperless billing, multi-vehicle, and safety features.
Is State Farm available in my state?
State Farm writes auto policies in all 50 states.
How fast is the State Farm claims process?
State Farm accepts claims via app, phone, online, and agent. Most simple claims are settled within 7 to 14 days. Complex claims (totaled vehicles, injuries) can take 30 to 60 days.
Should I bundle State Farm auto with home insurance?
Bundling can save you about 17 percent on both policies with State Farm. Always run the numbers against two standalone quotes to make sure bundling beats buying separately.

Ready to get a State Farm quote?

Takes about 10 minutes. No commitment to bind.

Get my quote Compare other carriers