State Farm Review
The Giant Next Door
The Verdict
State Farm is the largest auto insurer in the United States for a reason. With nearly 19,000 agents nationwide, they offer a level of personal service that online-only carriers can't match. They combine top-tier financial stability (A++ rating) with competitive rates, especially for drivers who bundle home and auto policies.
- Massive local agent network
- Excellent "Steer Clear" discounts for young drivers
- Superior financial strength (A++ by AM Best)
- Rideshare coverage available
- No Gap Insurance option
- Not the cheapest for high-risk drivers
- Online quote process requires agent follow-up sometimes
Coverage Options
State Farm offers all standard coverages (Liability, Collision, Comprehensive) plus some notable extras:
- Rideshare Driver Coverage: Extends your personal policy to cover the "gaps" in Uber/Lyft insurance.
- Travel Expense Coverage: Helps pay for food/lodging if your car breaks down more than 50 miles from home.
- Emergency Road Service: A robust towing and labor service.
Discounts to Watch
This is where State Farm shines. Their Drive Safe & Save™ telematics program can save good drivers up to 30%. They also offer:
- Steer Clear®: A mandatory-watch for drivers under 25. Complete the app-based refresher course for a discount.
- Good Student: Up to 25% off for getting good grades.
- Multi-Line: Significant savings for bundling Home/Renters/Life.