State Farm car insurance, as State Farm describes it
The one large carrier here with a single channel: its own agents. And two states where you currently cannot buy it at all.
Calling connects you with a licensed independent agent — not with State Farm.
Auto insurance line
(888) 883-0806Calling costs nothing and there is no obligation to buy.
Not an insurer. We connect you with licensed agents.
The basics, as State Farm publishes them
- Structure
- Mutual
- Founded
- 1922
- How you buy
- Through a State Farm agent
- Agents
- More than 19,000 offices
What State Farm publishes about itself
State Farm is a mutual — its own newsroom puts it as answering to customers rather than shareholders — and State Farm Mutual Automobile Insurance Company is the parent of the group. It distributes through more than 19,000 agent offices, and those agents are independent contractors who sell State Farm. You can start a quote online, but the model is agent-led, and State Farm publishes nothing about selling through independent multi-carrier agents. Two things a shopper should know before calling: it is not actively writing new business in Massachusetts or Rhode Island, and several products under its brand are not its own.
What is settled, and what is not
Everything on the left is stated by State Farm. Everything on the right is a question their published material does not answer — which makes it a question worth asking on the phone.
They state this
One channel: their own agents
State Farm states that personalized coverage starts with a conversation and that one of its 19,000 agents is ready to help. Its own recruiting material describes agents as independent contractors who hire their own employees. Whether it also sells through independent multi-carrier agents is not published anywhere we could find.
It is a mutual
State Farm states that as a mutual company it answers to customers, not shareholders, and that State Farm Mutual Automobile Insurance Company is the parent of the State Farm family of companies.
It publishes what several discounts are worth
Drive Safe & Save, up to 30% — with a note that it may exceed 30%, is capped at 30% in New York, and is not available in California, Massachusetts or Rhode Island. Good Student, up to 25%. Passive restraint, up to 40% on medical-related coverage. Few carriers publish this much.
The repair program is optional
State Farm states the choice of repair shop is yours, and that its Select Service shops provide a guaranteed completion date and a limited lifetime warranty. Its Photo Estimate tool is not available in Massachusetts or Rhode Island.
Claims are handled by State Farm
Its claims pages describe its own claims team and claim specialists rather than a third-party administrator.
They do not
Two states where you likely cannot buy it
State Farm states it expects to offer several products in Massachusetts in early 2027, and meanwhile offers only a limited portfolio there on an accommodation basis to existing customers who move in. For Rhode Island it says it does not actively market new business at this time, though HiRoad, a State Farm affiliate, does.
Several State Farm products are not State Farm’s
Deposit products are offered by U.S. Bank National Association. Pet insurance is underwritten by American Pet Insurance Company and administered by Trupanion, and State Farm states it neither offers nor is financially responsible for pet insurance products. Life is its own, through State Farm Life Insurance Company — which is not licensed in Massachusetts, New York or Wisconsin.
A single channel means a single quote
This is the structural consequence of the captive model, not a criticism of it. A State Farm agent can price State Farm. Comparing it against other carriers means getting those quotes somewhere else — which is what an independent agent does in one call.
Which discounts exist where you live
Its own wording, on both the auto and home discount pages: discounts vary by state. The roofing discount, for instance, lists 26 named states. The published percentages are real; whether they are filed in your state is a question for the agent.
Discounts State Farm names
These are the credits State Farm lists on its own site. Which of them you qualify for, what each is worth, and whether it is already on a policy you hold are all questions for an agent — none of them is published, because none of them is the same for two people.
- Bundle (multi-policy)
- Drive Safe & Save
- Steer Clear
- Good driver
- Good student
- Student away at school
- Driver training
- Defensive driving course
- Passive restraint
- Anti-theft
State Farm questions
Is State Farm writing new policies in Massachusetts or Rhode Island?
By its own current notice, not for new customers. State Farm says it expects to offer several products in Massachusetts in early 2027, and that it currently offers only a limited portfolio there on an accommodation basis to existing customers moving in from other states. For Rhode Island it says it does not actively market new business at this time, but that HiRoad, a State Farm affiliate, does.
Can an independent agent quote me State Farm?
State Farm publishes nothing about selling through independent agents, and its own material describes distribution through more than 19,000 State Farm agent offices whose agents are independent contractors selling State Farm. In practice, comparing State Farm against other carriers means getting that quote from State Farm directly and the others elsewhere.
Does State Farm do banking and pet insurance?
Under its brand, but not as its own products. State Farm states that deposit products are offered by U.S. Bank National Association, and that pet insurance is underwritten by American Pet Insurance Company and administered by Trupanion — adding that State Farm neither offers nor is financially responsible for pet insurance products.
What does Drive Safe & Save actually save?
State Farm states you could save up to 30%, notes the discount may exceed 30%, is capped at 30% in New York, and is not available in California, Massachusetts or Rhode Island. Setup is required. As with any telematics program, ask what it measures and how it is applied in your state.
Can this site get me a State Farm quote?
No. InsuranceXR is not an insurance agency and does not quote any company. State Farm sells through its own agents, so an independent agent cannot quote it. Calling the number on this page reaches a licensed independent agent who can quote the companies they are appointed with — for a State Farm price you would contact a State Farm agent directly.
All 18 companies
Alphabetical, which is the only order here — we do not rank them. The one you are reading is marked.
Find out who will actually write you
Whether State Farm — or anyone else — will write your profile, and at what price, is underwriting. No website can answer it. A licensed agent can, on a call that costs nothing.
Auto insurance line
(888) 883-0806Calling costs nothing and there is no obligation to buy.
Not an insurer. We connect you with licensed agents.
InsuranceXR is an independent referral service. We are not an insurance agency, we are not affiliated with State Farm, and State Farm has not reviewed this page. All trademarks are the property of their respective owners. Everything stated here about State Farm is drawn from statefarm.com and newsroom.statefarm.com — its auto, homeowners, discounts, claims, agent and about pages, and its own agent recruiting material — read on September 15, 2026.
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