State Farm auto insurance, the largest in the U.S. with an 18.2% market share, offers strong core coverage options like liability and collision. While some perks like GAP insurance are missing, it excels in customer satisfaction and discounts such as telematics savings of up to 30%.
Why I Recommended State Farm Auto Insurance
- Strong financial stability with an A++ rating.
- Robust customer service with 19,000 agents and high-rated apps.
- Substantial discounts available through telematics and multi-policy options.
For Whom Is This Insurance Ideal?
State Farm is best suited for families with multiple vehicles, tech-savvy drivers interested in telematics savings, and part-time rideshare drivers seeking affordable coverage. It’s also great for those who value a wide agent network and reliable customer service.
What Does State Farm Cover?
The standard coverage includes liability, collision, comprehensive, medical payments, and uninsured motorist protection. Add-ons like emergency road service and rideshare endorsement are also available.
How Competitive Are State Farm’s Rates?
While premiums are in line with national averages, the insurer offers up to 30% off through programs like Drive Safe & Save. Additional discounts can also be stacked, adding more value.
What Do Customers Say About Claims and Service?
State Farm ranks highly in claims satisfaction, offering digital-first notice and repairs via Select Service shops. Customers appreciate its lifetime workmanship guarantees and direct deposit payments.
Are There Any Drawbacks to Consider?
Though robust in coverage, State Farm lacks some perks like GAP insurance and new-car replacement, which may be available with other providers. Shoppers prioritizing these should explore additional quotes.
Ultimately, State Farm offers a blend of reliability, competitive discounts, and excellent service, making it a strong contender for many drivers across the U.S.