INSURANCE COMPANIES

State Farm auto insurance profile

State Farm Mutual Automobile Insurance Company. Quotes online and through its network of local agents.

State Farm sells personal auto insurance through local agents and online, with the standard coverage set plus emergency roadside service, rental car reimbursement and rideshare driver coverage on its published lists. Its agent model is the main structural difference from the direct sellers in this directory: the quote conversation runs through a person who can itemize rating factors with you. If you prefer that, bring your current declarations page to the agent and ask for a line-by-line match of limits and deductibles before price enters the discussion.

Personal autoNationwideOpen to all driversOnline quotesLocal agentsDriving-score program

Programs State Farm advertises

Drive Safe & Save

State Farm's driving program. State Farm states that driving information collected through its app sets the discount, that drivers save for signing up, and that the discount can change at each renewal. State Farm lists states where the program is not available, so check yours.

Steer Clear

State Farm's program for younger drivers, built around safe-driving education for drivers under 25. State Farm states that drivers qualify with a valid license and no at-fault accidents or moving violations during the past three years, and must complete the program requirements.

What to ask when you quote State Farm

Ask the agent to show which discounts are in the quote today, which ones start later, and how Drive Safe & Save would be scored for every driver on the policy, not only the safest one.

State Farm auto policies are written mainly by State Farm Mutual Automobile Insurance Company of Bloomington, Illinois, a mutual insurer and the parent of the State Farm family of companies. Its 2025 annual report shows $73,017 million of premium earned and $8,176 million of net income, and the company announced a $5 billion auto policyholder dividend in February 2026.

Below: the legal entities, what the mutual structure means for a policyholder, and dated state complaint readings for each State Farm company.

State Farm Mutual and the companies under it

State Farm describes State Farm Mutual Automobile Insurance Company as the parent of the State Farm family of companies. Its company boilerplate counts more than 19,200 agent offices, over 62,000 employees and over 96 million policies and accounts across auto, fire, life, health, commercial and financial services. That count mixes product types, so it is not an auto policy figure.

Two State Farm insurers appear in Colorado's private passenger auto complaint report, with NAIC company codes shown there: State Farm Mutual Automobile Insurance Company (25178) and State Farm Fire and Casualty Company (25143). The Mutual is by far the larger auto writer in that state: 22.27% of Colorado auto premium in 2025, against 0.80% for State Farm Fire and Casualty.

What the 2025 annual report to policyholders shows

The report credits positive auto underwriting results for the dividend decision, alongside auto rate decreases in more than 40 states. It says State Farm Mutual and its property and casualty affiliates incurred $78 billion of claims in 2025, including nearly $15 billion in catastrophe claims.

The 2026 auto dividend and rate changes

State Farm's February 26, 2026 announcement describes a one-time distribution to qualifying customers across more than 49 million State Farm Mutual auto vehicles. The company said payments would average $100 per vehicle and vary by state and premium paid, with payments starting in the summer of 2026. In the same release it said auto rates had been lowered in 40 states by an average of 10%. A dividend is a return of premium after the fact; it does not change the price on a new quote, so compare quotes on their stated premium.

Member rights and where State Farm sells

Because the auto company is a mutual, its policyholders are members. The annual report notice says the members' meeting is held at 10 a.m. on the second Monday of June at the Bloomington headquarters, that the first named insured may vote by proxy or in person, and that registration must be on file 20 calendar days ahead.

State Farm's own description centers on its agent offices, which it says number more than 19,200. One gap in its footprint: in October 2025 State Farm announced it intends to begin offering products through agents in Massachusetts, with availability expected in early 2027. A Massachusetts driver shopping before then will not get a State Farm auto quote.

Complaint records for the two State Farm auto writers

Colorado sets each company's share of complaints against its share of premium; 1.00 is average, and premium protests are counted. State Farm Mutual's index was 0.57 in 2025 (250 complaints, 69 confirmed, $1,733.51 million premium), 0.61 in 2024 and 0.62 in 2023. State Farm Fire and Casualty read 1.80 in 2025 on 28 complaints and $62.01 million, up from 1.05 in 2024. The smaller company's figure moves more because a few complaints weigh heavily against a small premium base.

California's composite counts justified complaints per 100,000 earned exposures. State Farm Mutual, with about 3,929,452 exposures in 2025, read 3.1, after 3.4 in 2024 and 2.7 in 2023, from 121, 140 and 105 justified complaints.

New Jersey publishes a group figure. The State Farm Group had 52 valid complaints across 628,742 insured vehicles in 2024, a ratio of 0.0827 per 1,000 autos and an index of 1.583. In 2023 the index was 1.061.

State Farm questions