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State Farm
State Farm earns 4.5/5 for a broad personal-lines catalog, roughly 19,000 local agents, mature digital claims tools, repair networks, and useful auto discounts. It is strongest for households that want an agent to coordinate auto, home, renters, or life coverage. The tradeoffs are equally important: there is no universal State Farm price, product and new-policy availability vary by state, and Drive Safe & Save is not available in California, Massachusetts, or Rhode Island. Shoppers should compare identical limits and deductibles and confirm the exact issuing State Farm company before buying.
What to know about State Farm
State Farm earns 4.5/5 for a broad personal-lines catalog, roughly 19,000 local agents, mature digital claims tools, repair networks, and useful auto discounts. It is strongest for households that want an agent to coordinate auto, home, renters, or life coverage. The tradeoffs are equally important: there is no universal State Farm price, product and new-policy availability vary by state, and Drive Safe & Save is not available in California, Massachusetts, or Rhode Island. Shoppers should compare identical limits and deductibles and confirm the exact issuing State Farm company before buying.
Pros
- Roughly 19,000 local agents and strong multi-policy coordination
- Broad personal-lines coverage and mature app and claims infrastructure
- Useful Drive Safe & Save, Steer Clear, bundle, and repair-network options
Cons
- No universal price and some transactions remain agent-influenced
- Products and new-policy appetite vary materially by state and ZIP code
- Drive Safe & Save and Select Service have state exclusions
Scoring breakdown
- Price4.1/5
- Coverage4.8/5
- Claims Experience4.5/5
- Discounts4.5/5
- Customer Service4.7/5
Verified product facts
- Pricing
- Personalized premium based on state, driver or property risk, coverage limits, deductibles, discounts, underwriting, and the issuing company; no single sample rate represents every customer
- Coverage Types
- Auto, homeowners, renters, condo, motorcycle, boat, motorhome, life, supplemental health, disability, pet medical, business, and other state-specific products
- Availability
- Products and new-policy appetite vary by state; Drive Safe & Save is unavailable in CA, MA, and RI, and Select Service auto repair is unavailable in MA and RI
Where State Farm ranks
Every DollarScout ranking that includes State Farm.
State Farm reviews
State Farm comparisons
Head-to-head matchups featuring State Farm.
Fact-checked July 18, 2026. Sources: State Farm auto insurance coverage, State Farm Drive Safe & Save rules and availability, State Farm auto discounts, State Farm bundling and agent network, State Farm auto claims and digital servicing, State Farm Select Service repair program, NAIC auto insurance shopping guidance, NAIC complaint research guidance.