- Avg. monthly premium
- $118/mo
- Claims score
- 893/1000
- Discounts
- 11+
- Availability
- 48 states
Why it stands out
State Farm highlights
- Largest local-agent network of any US auto insurer
- Drive Safe and Save rewards low-mileage, careful drivers
- Steep Steer Clear discount for drivers under 25
- High customer-satisfaction marks for claims handling
The verdict at a glance
Pros and cons
Pros
- Personal agent relationship you can walk into
- Excellent options and discounts for teen and student drivers
- Reliable claims experience with strong satisfaction scores
Cons
- Base premiums often run higher than direct-to-consumer rivals
- Fewer niche discounts than the price-leader carriers
Our full review
Our take on State Farm
State Farm runs the largest agent network in the country, so there is almost always a local office to sit down with when a claim gets complicated. Its Drive Safe and Save program and strong young-driver discounts make it a steady pick for families.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on State Farm’s own site before you apply.
The alternatives
How State Farm compares
Other top-rated insurers in Car Insurance. Compare the numbers side by side before you decide.
| # | Provider | Rating | Avg. monthly premium | Best for | |
|---|---|---|---|---|---|
| 1 | GEICO | $92/mo | Drivers who want low rates without a broker | Get Quote | |
| 2 | Progressive | $104/mo | Drivers with tickets or an accident on record | Get Quote | |
| 3 | USAA | $88/mo | Active-duty, veterans, and their families | Get Quote | |
| 4 | Allstate | $139/mo | Drivers who want rewards and accident forgiveness | See Rates |
- GEICO4.8Best for Drivers who want low rates without a broker
- Progressive4.7Best for Drivers with tickets or an accident on record
- USAA4.9Best for Active-duty, veterans, and their families
- Allstate4.4Best for Drivers who want rewards and accident forgiveness