State Farm Insurance online quote

At a glance

• A.M. Best financial strength rating: A++ (superior)
• Complaints: Greater than the industry median for a company of its size
• Size: No. 1 auto insurance company based on direct premiums written

In this guide

claims network is available 24 hours a day, online or by phone.

The company’s Premier Service Program puts you in touch with qualified contractors who can repair a covered loss. The service providers guarantee their work for up to five years. Premier Service is free, but it’s not available everywhere.

State Farm also offers renters, condo, mobile home and umbrella liability insurance, among other products.

Homeowners insurance discounts

State Farm doesn’t offer as many homeowners insurance discounts as some of its competitors, but it does offer price breaks for customers who:

• Have more than one policy with State Farm.
• Have fire, smoke or burglar alarms or any other home-monitoring system.
• Use qualifying impact-resistant roofing products.

Discounts aren’t available in all states.

State Farm life insurance

The company offers term life insurance for 10, 20 or 30 years. You can buy a policy for $100, 000 and up.

State Farm also offers whole life, universal life and variable universal life, which are varieties of permanent life. These policies cover you for your lifetime and build up a cash value, but they’re much more expensive than term life. Permanent life policies are generally most suitable for people who are very wealthy or have special circumstances, such as owning a business or having a special needs child. If you’re interested in permanent life, consult a financial advisor.

Customer reviews and ratings

State Farm earned the highest marks in J.D. Power’s 2015 life insurance customer satisfaction study of 20 insurance companies.

However, satisfaction was lower among customers who made auto insurance claims. Those customers rated State Farm “about average” in a 2015 J.D. Power survey. The company also placed in the middle of the pack in a similar Consumer Reports survey.

State Farm enjoys the highest financial strength rating available, A++, from ratings company A.M. Best. This means there’s a high likelihood that State Farm will be able to pay claims now and in the future.

Website and apps

State Farm’s website is intuitive, easy to navigate and loaded with useful information. You can get a quote and buy a policy online, find a nearby agent, or manage a claim.

State Farm’s smartphone app, called Pocket Agent, offers the ability to view your insurance card and policy information, get a quote, submit a claim online and view a claim’s status, among other features.

In more than 10, 000 reviews by Android users, the State Farm app rated an average of 4.1 out of 5 stars. In more than 6, 200 reviews by iPhone users, it received 3 stars.

If one-stop shopping for auto, home, life and other insurance products is important to you, and you’re looking for a big name company with access to agents, State Farm is worth considering. If you’re more of the do-it-yourself type, you might prefer an online insurer. In any case, it’s always smart to shop around for the best quotes, and NerdWallet’s online auto insurance comparison tool can help.

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates.