How to Get the Best State Farm Insurance Quote in 2026
Shopping for insurance isn’t anyone’s favorite way to spend an afternoon. But here’s the truth: spending a little time getting quotes could put hundreds of dollars back in your pocket this year.
State Farm is the largest auto insurer in America and one of the top home insurance providers in the country. Their red logo is everywhere, their agents are part of thousands of communities, and their rates are becoming increasingly competitive as we move through 2026 .
Whether you’re looking for car insurance, homeowners coverage, or both, understanding how State Farm quotes work can help you get the best possible rate.
Let’s break down everything you need to know about getting a State Farm insurance quote in 2026.
State Farm Auto Insurance Quotes: What You’ll Pay
According to comprehensive rate analysis, State Farm’s average annual premium for full coverage auto insurance is $2,030, which breaks down to about $169 per month. For minimum coverage, the average is $650 annually or $54 per month .
Compared to the national average, State Farm comes in about 14 percent lower .
But averages only tell you so much. Your actual quote will depend on who you are, where you live, and what you drive .
| Driver Profile | State Farm Average Annual (Full Coverage) | National Average Annual |
|---|---|---|
| Good driver, good credit | $2,030 | $2,356 |
| Driver with speeding ticket | $2,062 | $2,730 |
| At-fault accident | $2,972 | $3,156 |
| DUI on record | $2,947 | $4,461 |
| Poor credit | $9,172 | $4,126 |
| Senior drivers | $2,078 | $2,248 |
Notice something interesting? State Farm is very competitive in most categories but can get expensive for drivers with poor credit . If that’s your situation, it’s worth getting quotes from several companies.
State Farm Auto Rates by City
Looking at specific cities gives an even clearer picture of State Farm’s pricing.
Honolulu, Hawaii
In Honolulu, State Farm ranks among the cheapest insurers for several driver profiles :
| Driver Profile | State Farm Annual Rate (Minimum Coverage) |
|---|---|
| Good driver | $347 |
| Full coverage | $1,111 |
| After a ticket | $386 |
| After a DUI | $386 |
| After at-fault accident | $425 |
| Young driver | $347 |
| Older driver | $347 |
Tennessee
State Farm is the cheapest overall insurer in Tennessee at $57 per month for minimum coverage. They’re also the cheapest for full coverage at $87 per month, and extremely competitive for drivers with tickets, accidents, DUIs, and young drivers .
| Driver Profile | State Farm Monthly Rate |
|---|---|
| Good driver | $25 |
| Full coverage | $87 |
| After a ticket | $28 |
| After DUI | $22 |
| After at-fault accident | $31 |
| Older driver | $24 |
| Married driver | $20 |
Arvada, Colorado
State Farm offers the cheapest car insurance in Arvada, with minimum-coverage policies as low as $64 per month .
State Farm Homeowners Insurance Quotes
State Farm is also a major player in home insurance. Their average annual premium runs about $1,806 per year or $151 per month for a policy with $300,000 dwelling coverage and $100,000 liability coverage .
This makes State Farm the second cheapest home insurer in the country, behind only USAA (which is exclusively for military families) .
State Farm is particularly worth considering if you have lower credit scores, since they’re one of the most affordable options for homeowners with credit challenges .
Anchorage, Alaska
In Anchorage, State Farm offers the cheapest average homeowners insurance premiums at $939 per year for a policy with $300,000 dwelling coverage and a $1,000 deductible .
What Goes Into Your State Farm Quote?
Understanding what State Farm looks at can help you position yourself for the best rate .
For Auto Insurance
For Home Insurance
Discounts That Add Up
State Farm offers plenty of ways to save on both auto and home insurance .
Auto Insurance Discounts
Home Insurance Discounts
- Multi-Policy – Bundle home and auto for significant savings
- Claim-Free – For staying claim-free for a certain period
- Roofing Discount – Available in select states for certain roof types
- Protective Devices – For smoke detectors, burglar alarms, and monitoring systems
Pro tip: Your declarations page lists the discounts you’re receiving. If you think you’re eligible for one that’s not listed, talk to your agent .
Good News: Rates Are Dropping in Some States
If you’ve been stressed watching your insurance premiums climb, 2026 is bringing some relief in certain areas.
Louisiana Auto Rate Decrease
State Farm implemented a 5.9 percent average rate decrease that took effect January 1, 2026 in Louisiana. This affects more than 1 million policyholders and comes from decreasing claim costs and fewer accidents .
Home Insurance Increases
On the flip side, State Farm implemented a 9.7 percent increase in homeowners insurance rates in Louisiana for its 300,000 policyholders, effective December 15, 2025. This is due to updated hurricane modeling and increased non-catastrophic claims .
How to Get a State Farm Quote
State Farm gives you options. Choose the one that fits your style .
Online Through the Website
This is the fastest route. The online quote process takes about 10 to 15 minutes. Have these things ready :
- Your full name, address, and date of birth
- Driver’s license numbers for everyone on the policy
- Vehicle details with full VINs
- Current odometer readings
- Your current insurance information if you have it
- Annual mileage estimates
- Home details for homeowners quotes
Through the Mobile App
The State Farm app is available on both iOS and Android. It has earned strong ratings—4.8 stars on the Apple App Store and 4.6 stars on Google Play . With the app, you can get quotes, manage policies, file claims, and request roadside assistance.
With a Local Agent
This is where State Farm really stands out. With over 19,000 agents across the country, you can sit down face to face and talk through your options .
An agent can explain coverage choices in plain English, spot discounts you might miss online, and answer questions the automated tools don’t cover. They know your local market and can provide personalized guidance based on your specific situation .
Smart Tips for Getting Your Best Quote
Compare Apples to Apples
Make sure you’re comparing the same coverage limits across quotes. A cheap quote with bare-minimum coverage isn’t really a bargain. Provide identical driving history to each company so you’re comparing fairly .
Compare Both National and Regional Insurers
Don’t forget to include local insurance companies in your search. In Tennessee, regional insurers like Erie Insurance and Farm Bureau Insurance of Tennessee might have lower rates than national companies .
Ask About Every Discount
Don’t assume discounts are automatically applied. Ask specifically about each one. Your agent can help identify savings you might have missed .
Think About Your Deductible
Higher deductibles mean lower premiums. For home insurance, raising your deductible from $500 to $1,000 can save you money . Just make sure you could actually pay that amount if you needed to file a claim.
Check Your Credit
In most states, your credit score affects your rates. If your credit has improved since you last shopped, you might qualify for better pricing. State Farm is particularly competitive for those with lower credit scores .
Maintain Continuous Coverage
Any lapse in coverage can have a serious impact on your rates. Tennessee drivers who don’t maintain continuous coverage pay an average of 17 percent more than those with five or more years of insurance history .
Review Every Year
Your needs change. Maybe your car is older and you don’t need collision anymore. Maybe you added safety features. Maybe your credit has improved. Schedule an annual review with your agent .
Availability: Where State Farm Writes New Policies
Auto Insurance: State Farm offers auto insurance in all 50 states, Washington D.C., and Canada. However, they are not currently writing new auto policies in Massachusetts or Rhode Island, though they announced plans to re-enter the Massachusetts market by early 2027 .
Home Insurance: State Farm is not currently writing new homeowners policies in California, Massachusetts, or Rhode Island. Coverage options may be limited in Florida, and residents may need to speak with an agent to get a quote .
What Customers Say About State Farm
According to U.S. News & World Report’s 2026 consumer survey :
| Category | State Farm Score | Notes |
|---|---|---|
| Overall Rating | 4.5/5 | No. 3 overall |
| Claims Handling | 4.2/5 | Below average; only 30% completely satisfied |
| Customer Service | 4.7/5 | Tied No. 3 with Travelers |
| Value | 4.5/5 | No. 4 (tied with Allstate) |
| Likely to Renew | 58% very likely | No. 2 overall |
| Likely to Recommend | 46% very likely | No. 3 overall |
Frequently Asked Questions
How long does a State Farm quote take?
Online quotes run about 10 to 15 minutes. Talking with an agent might take a bit longer but gives you more personalized advice .
Can I get a quote without talking to anyone?
Yes, you can get auto quotes entirely online through the State Farm website. For home insurance, availability varies by state .
Does State Farm check my credit for a quote?
In most states, yes. This helps determine your rate .
Will getting a quote hurt my credit?
No. Insurance quotes use a soft inquiry that doesn’t affect your credit score .
How soon can coverage start?
Usually the same day. Just tell them when you want it to begin. State Farm doesn’t require a large down payment—you can pay monthly with just the first month’s payment due at signing .
What’s the best time to get a quote?
About 30 to 45 days before your current policy renews. This gives you time to compare options without feeling rushed.
How do I find my local agent?
Use the agent finder on the State Farm website, or call 800-782-8332 during business hours to be connected to an agent near you .
The Takeaway
State Farm offers competitive rates for both auto and home insurance, with especially good pricing for those with clean records and good credit. Their local agent network provides personal service that online-only companies can’t match, and their mobile app delivers modern convenience .
State Farm is best for:
- Drivers with clean records and good credit
- Homeowners with lower credit scores
- People who value local agent relationships
- Those looking to bundle home and auto policies
Consider alternatives if:
- You live in California, Massachusetts, or Rhode Island (new home policies not available)
- You have poor credit (auto rates can be expensive)
- You prioritize claims satisfaction above all else
- You prefer a fully digital experience
A few minutes of effort getting a quote could save you hundreds. That’s a pretty good return on investment.
Quick Facts Summary
