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State Farm review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

State Farm suits US households who want auto, home, renters, life, health and pet cover from one insurer, filing claims on online, mobile app and phone. Price it against the listings, where the median starting premium is €7.95 and monthly plans are the norm.

Key facts

Best for
US households bundling several personal insurance lines with a single insurer.
Insurance types
Auto, Home, Renters, Landlord, Life, Health, Pet, Motorcycle↗
Provider type
Insurer↗
Cover limit
Unlimited payouts on covered costs (Trupanion pet medical)↗
Claims channels
Online, Mobile-app, Phone↗
Legal entity
State Farm Mutual Automobile Insurance Company↗
Headquarters
United States↗
Founded
1922↗
Support channels
Phone, Help-centre↗
Official website
statefarm.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • One insurer for the whole household: auto, home and renters all sit with the same provider.
  • Claims can be filed on online, mobile app and phone, so a minor loss does not mean sitting in a phone queue.
  • Pet medical cover is written by Trupanion, with Unlimited payouts on covered costs (Trupanion pet medical).
  • Help is there after a policy starts, on phone and help centre.

Cons

  • Support runs on phone and help centre only.
  • The offered lines are auto, home and renters, which leaves travel and gadget cover to other providers.
State Farm

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Scored 9.4 / 10 by SumCue.

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Who it suits

  • US households with a car and a home, since auto, home and renters lets both sit with the same insurer.
  • Owners who like starting a claim themselves, as online, mobile app and phone give online, app and phone routes.
  • Pet owners facing a large treatment bill, given Unlimited payouts on covered costs (Trupanion pet medical) on covered costs.

Who should look elsewhere

  • Travellers and gadget owners, who get more from EuroAsia Insurance with auto, home and travel.
  • Anyone who only wants life cover, since Linxea sells life and the wider set here is surplus.
  • Borrowers rather than policyholders, as Oney Préstamos ES lists health, life and gadget and belongs in a lending comparison.

The company behind it

The insurer behind the policies is State Farm Mutual Automobile Insurance Company, a mutual with its base in US and a founding date of 1922. That places it in US personal lines rather than the UK and European savings market. Customer service runs on phone and help centre, so policy questions and bill payments are handled there.

How State Farm compares

Where State Farm is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What kinds of insurance does State Farm sell?+

The range runs to auto, home and renters, which puts auto, home, renters, landlord, life, health, pet and motorcycle under one roof. Renters and landlord policies sit alongside the more common motor and property lines, so one household can hold several policies without moving between separate providers.

Who is the company behind the policy?+

The underwriter is State Farm Mutual Automobile Insurance Company, an insurer rather than a broker, so the company carries the risk on its own book instead of placing it with another carrier. It has been trading since 1922, which makes it an established name in US personal insurance.

Which country is State Farm based in?+

Its headquarters are in the United States, and the whole book is US personal lines, from auto and home through to pet and life. European households looking for a policy under a home regulator would be better served by a provider such as EuroAsia Insurance, which lists auto, home and travel.

How do I make a claim?+

Claims can be started on online, mobile app and phone, so a claim opens online, in the mobile app or by phone. The app route suits minor damage and the quickest possible notification, while a call suits a larger loss where an adjuster needs to talk through what is covered.

What help is there for an existing policy?+

Customer service runs on phone and help centre, which means phone and a help centre rather than a live chat line. Renewals, bill payments and changes of address are handled through those routes, so having the policy details ready makes the call shorter.

What will a pet medical claim pay out?+

Pet medical cover is written through Trupanion, and Unlimited payouts on covered costs (Trupanion pet medical). The practical point for owners is that the payout is not a fixed yearly ceiling on covered costs, though treatment has to fall inside the policy terms for any payout to apply.

Do I need the whole range, or does one policy do?+

It depends on what is already in place. A household that wants only life cover can use Linxea, which lists life, while auto, home and renters makes sense for anyone who wants motor, property and life policies to sit with the same insurer.

Does it cover travel or gadgets?+

Those lines sit elsewhere. EuroAsia Insurance lists auto, home and travel, which adds travel and gadget cover to auto and home, whereas the range here is auto, home and renters. Trips and high value devices are better quoted with a provider that writes those risks.

Sources

  • statefarm.com checked September 26, 2026

    Backs: Founded, Insurance types

    “Since 1922, we've been working hard to help better protect you and those you love.”

  • statefarm.com/customer-care/insurance-bill-pay checked September 26, 2026

    Backs: Support channels

    “Call us, 24/7, at 800-440-0998.”

  • statefarm.com/insurance/auto checked September 26, 2026

    Backs: Claims channels, Provider type, Headquarters, Legal entity

    “If you're in an accident or your car is damaged, you can report your claim online, use our mobile app or call for assistance.”

  • statefarm.com/insurance/pet checked September 26, 2026

    Backs: Cover limit

    “No payout limits - Enjoy unlimited payouts on covered costs.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from, Monthly payments.

State Farm

State Farm

US households bundling several personal insurance lines with a single insurer.

9.4/10See alternatives