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Collect the essentials before you start
Have ready each driver’s license number, the car’s VIN, current mileage, garaging ZIP code, and a payment method; State Farm lists these items as the key data needed for an accurate same-day quote.
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Get your personalized rate online, by phone, or with a local agent
Go to statefarm.com/auto and click “Start a Quote,” enter your ZIP and answer a short questionnaire, call 1-800-STATE-FARM, or ask a “good-neighbor” agent—pricing is identical across channels.
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Customize coverages and stack discounts in real time
Adjust liability limits, add collision or comprehensive, and explore extras like accident forgiveness; the quote screen highlights savings for bundling policies or enrolling in telematics such as Drive Safe & Save®.
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Lock in the policy with your first payment
Review the final premium, choose a pay-in-full or monthly plan, then submit at least the first installment—State Farm activates coverage once the initial payment posts (some states may impose a brief waiting period).
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Download digital ID cards and manage the policy 24/7
Your proof of insurance appears instantly in the State Farm Mobile App and online dashboard, where you can file claims, add vehicles, change payment methods, or contact your agent any time.
Full review of State Farm Auto Insurance: Should the Nation’s Biggest Insurer Be Yours, Too?
Snapshot
| Metric | State Farm | Market Average / Notable Competitors |
|---|---|---|
| U.S. market share (2024) | 18.2% (largest) | GEICO – 13.8%, Progressive – 14.6% |
| AM Best financial rating | A++ “Superior” | Most large carriers: A to A+ |
| NAIC complaint index (2023) | 0.78 | 1.00 = expected volume |
| Avg. full-coverage premium* | $2,318 | ≈ $2,300 (national) |
| J.D. Power Claims Rank (2024) | 6th of 24 | USAA 1st, Progressive 21st |
| Mobile-app rating | 4.8 iOS / 4.6 Android | Top tier |
- Full coverage = 100/300/100 liability, $500 deductibles. Bankrate’s 2024 study shows a higher $2,891 average; your quote will vary by state, credit, and driving record.
What You Get
Core coverages (included everywhere)
- Liability
- Collision
- Comprehensive
- Medical Payments/PIP
- Uninsured/Underinsured Motorist
Popular add-ons
- Emergency Road Service – 24/7 tow, jump start, lock-out help
- Car Rental & Travel Expenses – rental plus up to $500 for hotels/meals after a covered loss
- Rental Deductible Repayment – up to $500 toward a rental-car deductible
- Rideshare Endorsement – fills the gap for Uber/Lyft “app-on, no-passenger” time
Missing perks: GAP, new-car replacement and accident forgiveness—features available at Nationwide, Travelers, Liberty Mutual, and others.
Price Breaks
Telematics
- Drive Safe & Save: track driving via phone/OEM data, save up to 30%
- Steer Clear: drivers 16-25 complete app lessons, average 15% off
Traditional discounts
Multi-policy • Multi-car • Good student • Defensive-driver course • Accident-free • Autopay • Paperless
Marketing claim: new customers report $694/yr in average savings (“Switch & Save”).
Claims & Service
- File online, in-app or at 800-SF-CLAIM
- Choose a virtual estimate or drop at a Select Service shop (lifetime workmanship guarantee)
- Track repairs, receive payments via direct deposit, and reserve rentals in the app
With roughly 19,000 captive agents plus highly rated mobile tools, State Farm combines old-school hand-holding with modern convenience.
Who Benefits Most
- Families bundling home + two or more cars
- Safe, tech-friendly drivers chasing telematics savings
- Parents of teens who want structured driver training (Steer Clear)
- Part-time rideshare drivers—cheaper than a separate commercial policy
- Road-trippers who like built-in travel-expense and roadside options
Pros & Cons
Pros
- A++ financial strength and low complaint volume
- Strong claims satisfaction and nationwide agent network
- Up to 30% telematics discount; broad menu of everyday discounts
Cons
- Premiums sit near (or slightly above) national averages; high-risk or luxury-car owners may find cheaper quotes at GEICO or Progressive
- No GAP, new-car replacement or accident forgiveness
Bottom Line
State Farm’s blend of financial muscle, human agents, and high-scoring apps makes it a dependable choice for many households—especially multi-car families, rideshare drivers, and anyone eager to gamify premiums with telematics. If you demand rock-bottom rates or coverage extras like GAP and accident forgiveness, collect a few more quotes before you commit. Otherwise, America’s biggest insurer may prove to be the right fit for your driveway.