State Farm Car Insurance Review

State Farm Car Insurance has a 16% share of the vehicle insurance industry. The insurance company places a high value on insuring as many individuals as possible. Anybody looking for a personal touch will have no trouble finding one thanks to the extensive network of agents provided by State Farm. Known for delivering comprehensive coverage, this well-known insurance firm has received excellent marks from third-party assessors for both client happiness and financial projections. Let’s take a look on this State Farm Car Insurance Review by Car Insurance Grades.

Vehicle insurance add-ons and discounts from State Farm are on par with those from other big carriers, which may disappoint customers seeking more.

State Farm Insurance Pros and Cons

Pros

State Farm Car Insurance Review - State Farm Logo
  • Local agents may be found all around the nation, making it easy to contact them.
  • The National Flood Insurance Program and the California Earthquake Authority both provide flood and earthquake insurance to residents of your state.
  • Low-cost car insurance is accessible to drivers of all ages and driving records.
  • Having happy customers is essential for achieving financial success.

Cons

  • Automobile drivers that don’t possess any extra coverage or endorsements
  • Insurance for homeowners might be more expensive.
  • Discounts for house insurance are not as plentiful as they may be.

State Farm car insurance ratings

  • Claims satisfaction (J.D. Power) — Above and above the call of duty. J.D. Power’s most recent customer satisfaction survey gave State Farm above-average grades.
  • Customer satisfaction (J.D. Power) — Above and above the call of duty. Customer satisfaction for State Farm was in the upper half in 2021, according to J.D. Power and Associates.
  • Financial strength — Excellent. AM Best gives State Farm a stronger financial strength rating. There’s no denying this business’s capacity to settle conflicts.
  • NAIC Rating — Superior to the norm rates by NAIC. If you compare State Farm’s complaint rate to the national average, it’s below average.

State Farm car insurance coverage options

State Farm should make uninsured/underinsured motorist coverage and medical expenses a standard option for all clients. You may add the following optional coverages to your State Farm vehicle insurance policy to personalize your level of protection.

  • State Farm emergency road service coverage. State Farm’s roadside assistance service covers reasonable expenses if your automobile breaks down. Up to an hour of mechanical labor (at the breakdown site), towing, lockout services, and the delivery of gasoline, oil, battery, or tire change are all included in the price of this service. For those who are locked out, there are lockout services available as well.
  • State Farm rideshare driver coverage. While working for firms like Uber and Lyft, your vehicle insurance coverage will not be interrupted thanks to this plan. You may continue to use your State Farm insurance even if you’re driving for Uber or Lyft as part of your personal plan.
  • State Farm car rental and travel expenses coverage. As a consequence of an accident or a comprehensive claim, State Farm’s rental vehicle coverage provides coverage for the cost of a rental automobile. If you’re stuck more than 50 miles from home due to an accident, your travel expenditures will cover your housing, food, and transportation.
  • Local agents. Having local agents represent State Farm is really beneficial for the organization. Working with State Farm has two advantages: personalized insurance advice and readily accessible customer support. The State Farm 24-hour contact service may be used if your local agent is closed.

State Farm Car insurance discounts

With State Farm auto insurance, there are several fundamental reductions available to you that might result in significant savings.

Discounts based on the driver or vehicle

  • Multi-vehicle. If you own two or more cars and have State Farm insurance, you may be eligible for a discount. Customers can save up to 20%, but State Farm says they can save them up to 10% more.
  • Accident-free. Three years of no involvement in an automobile accident is required to be eligible for this discount as a State Farm client. State Farm offers you a discount if you spend a certain amount of time without filing a claim.
  • Good driving. Low rates may be available to those with a clean driving record who have had no at-fault accidents or moving offenses in the past three years.
  • Defensive driving course. Discounts on driving safety courses are available. There’s a chance this deal won’t be accessible where you live.
  • Driver training. For this discount, drivers under the age of 21 who are insured and frequently use your vehicle must complete an authorized driver education course.
  • Good student. If you keep a B or above in your classes, you might save up to 25% on your insurance.
  • Student away at school. Drivers under the age of 25 will pay less since they won’t be driving as much while they’re away at school.
  • Vehicle safety. If you insure cars built after 1994, you may be able to get medical insurance at a lower cost.
  • Passive restraint. When airbags and other passive restraint systems were first introduced in automobiles, some of the medical insurance premiums paid by owners were refundable.
  • Anti-theft. You’ll save money on your auto insurance if you have an authorized anti-theft system.

Discounts based on your policy

  • Bundling/multi-policy. State Farm estimates that combining auto insurance with homeowners, condo, or renter’s insurance saves an additional 17% on total insurance costs, on top of the savings on auto insurance.

State Farm bundling options

If you need a large number of policies, you may save money by grouping them together.
When it comes to insurance, you have a lot of choices. Because that’s what they have, the majority of individuals choose for vehicle or house insurance.

How to cancel a State Farm insurance policy

You have the freedom to stop your insurance coverage whenever you choose. The insurance rules in your state will determine whether you have to pay a cancellation fee or if you obtain a refund of unused premium funds. State Farm customers have three options for canceling their insurance.

  • By phone. Make sure you have your State Farm policy number handy when you call to terminate your coverage.
  • By mail. Don’t forget to include any relevant information, including the policy number from your State Farm insurance or the expiry date of your coverage. Prior to the cancellation date you set by signing, dating, and sending the letter, allow two weeks for delivery and processing.
  • In-person. State Farm agents may also cancel policies for customers over the phone. Only your name, address, policy number, and the date you want your coverage to cease are required.

Can I cancel my State Farm policy online?

Customers of State Farm are unable to cancel their insurance at this time on the company’s website. Any cancellation of an insurance policy must be done by a written or verbal request to the insurance company or agent.

State Farm online features and app

No matter whether you need assistance from a local agent or not, obtaining State Farm quotes online is straightforward and quick.

In addition to these services, this website offers:

  • It’s not only about filing and locating claims.
  • You may use these options to pay your payments, get your policy documentation, and show evidence of insurance. Account management offers you access to all of these features. Account administration.
  • Finding local representatives with whom to cooperate

However, you may contact with an agent and get roadside help using the State Farm mobile app (available for Apple and Android devices).

You may check out our Shelter Insurance Review.