State Farm Auto Insurance

Based in Bloomington Illinois, State Farm may be the largest auto insurance carrier in the US. They have over seventy million policies for property, casualty and life insurance. Major car insurance competitors include AAA, Allstate, Farmers Insurance, Geico, Nationwide,and Progressive. State Farm started as an auto insurance company and now they have a network of over 16,000 agents. They are rated AA by Standard & Poor’s. I learned on State Farm’s website:

  • They do use consumer reports to issue rates.
  • You will have to enter a drivers license number to get a rate.
  • At any time you can forward your info to a State Farm rep local to you.
  • You can’t compare other carriers
  • State Farm offers a new FastEstimateā„¢

State Farm took #4 in the J.D. Powers 2011 U.S. Auto Claims Satisfaction Study, being only 1 of 4 car insurance companies getting a 4 out of 5 rating.

State Farm Banking

State Farm offers banking services and has since 1998. I used them in the past, and was pleased. State Farm has announced their debit cards will continue to have no monthly fees or minimum purchase requirements. State Farm also offers accounts with no monthly fees and no minimum balance requirements. 2 million have already tried State Farm Banking. Several other insurers like Nationwide also offer banking. And you can get almost every type of insurance at most of the large banks.

State Farm Auto Insurance Online

State Farm online offers online quotes for car insurance in 35 states.Ā  The State Farm website also provides for online policy changes, payment and claim reporting. Since the FastEstimate doesn’t require any personal information, the rate is impersonal and may not apply. The FastEstimate interface makes “assumptions” about you FastEstimate only applies to one vehicle and one driver. You can also personalize your rate, and according to State Farm’s website:

“Completing your quote should only take 10-15 minutes depending on the number of vehicles for which you need coverage.”

When I went to personalize my quote, they asked if I had any major violations which included racing, reckless driving, evading the police, felony speeding (100+ mph), etc. If you’ve done these things, you probably will be turned down by most major carriers anyway.

I was stopped at State Farm’s “Vehicle Information” page when their drop down boxes were blank, so I never was able to get a rate from them . According to their progress bar, I still needed to fill out “select coverages” then get my rate. I can see where getting rate from State Farm could take all of 10-15 minutes, fairly long for the net.

Grand tally: 3 thumbs down, only 1 up. And the FastEstimate will only work with you have no driving problems, or additional drivers. Disagree or have a different perspective? Tell me what you think.

Getting multiple quotes through us will take more than the 2 minutes of State Farm’s FastEstimate, but should take than the 10-15 minutes of their personalized quote. And you’ll have more than 1 carrier’s prices

State Farm auto insurance discounts in California:

  • Mature Driver course discounts of 5%
  • Multi car discount of 8-15%
  • Good student discount of up to 21%
  • Multi-policy discount of 5-22%

State Farm does not give discounts for:

  • Anti-lock brakes
  • Air bags
  • Anti-Theft Devices
  • Multi car policies
  • Drivers training
  • Low annual mileage
  • Group programs
  • Mature drivers
  • Daytime auto running lights
  • Passive restraints

Comparison of Auto Insurance Carriers & Brokers

Carrier Name Pay by mile? JD Powers
Claims paying
JD Powers Rates
Out of 5
JD Powers Overall
Out of 5
21st Century Yes 2 3 2
AAA Yes 2 2 2
AIG No *NR *NR *NR
Acceptance Ins. No *NR *NR *NR
American Family No 4 3 3
Affirmative Insurance No *NR *NR *NR
Allied No *NR *NR *NR
Allstate Yes 3 2 3
Ameriprise No No 5 4
Amica No 4 5 5
California Casualty No *NR *NR *NR
Coast National No *NR *NR *NR
CSAA No 3 4 3
Direct General No *NR *NR *NR
Electric Insurance No *NR *NR *NR
Encompass Insurance No 2 2 2
Erie No 3 5 4
Esurance No 2 3 2
Explorer No *NR *NR *NR
Farmers No 2 2 2
Geico No 3 4 3
GMAC Yes *NR 3 2
The Hartford No 4 3 3
The Hanover No 3 2 2
Horace Mann No *NR *NR *NR
Infinity No *NR *NR *NR
Liberty Mutual Business 3 3 3
Mercury No 3 3 2
Metlife No 3 3 2
MileMeter Yes *NR *NR *NR
Nationwide No 3 2 2
New Jersey Manufacturers No No 5 5
Progressive Yes 3 3 3
Prudential No *NR *NR *NR
Safeco No 3 3 3
Safeway No No Yes *NR
State Farm Yes 4 3 4
Titan No No No *NR
Travelers No 3 3 2
Unigard No *NR *NR *NR
Unitrin Direct No *NR *NR *NR
USAA No 5 5 5
Viking No *NR *NR *NR
Wausau No *NR *NR *NR
Wawanesa No *NR *NR *NR
Western General No *NR *NR *NR
Western United No *NR *NR *NR
Workmens No *NR *NR *NR
Carrier Name Pay by mile? JD Powers
Claims paying
JD Powers Rates
Out of 5
JD Powers Overall
Out of 5
  • Acceptance Insurance services AZ, AR, CO, GA, IL, IN, IA, NE, ND, WI
  • CSAA or California State Automobile Association services Northern California, Nevada, and Utah
  • Esurance services only AZ, CA, CO, CT, FL, GA, IL, MD, MI, MO, NJ, NV, NY, OH, PA, TN, TX, VA, WA, WI, & MN
  • Mercury services only AZ, CA, FL, GA, IL, MI, NJ, NY, NV, OK, PA, TX, & VA
  • Viking Insurance is available in the following states: Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, West Virginia, Wisconsin and Wyoming.