- State farm insurance
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What State Farm Covers
State Farm isn’t just about car insurance (though that’s their main product). They also cover:
- Auto insurance – from basic liability to full coverage with add-ons like roadside assistance.
- Homeowners & renters insurance – coverage for your house, apartment, or condo.
- Life insurance – term, whole, and universal life options.
- Extras – like banking products, mutual funds, and even small business coverage.
A friend of mine bundled her auto and renters insurance in 2024 when she moved into her first apartment. She told me the bundle knocked about $35 off her monthly bill. Not life-changing money, but in this economy, every bit helps.
Have you ever bundled your policies with State Farm? Did you feel the savings were worth it?
Discounts & Programs: Do They Really Help?
The most talked-about program is Drive Safe & Save. Basically, you download their app, and it tracks how you drive — things like your speed, braking, and mileage.
- Some users save up to 30% if they’re cautious drivers.
- Others complain the app can be strict, docking points for things like hard braking even if someone cuts you off.
- Young drivers and people with long commutes tend to save less.
I tested it myself last year. For the first three months, I was getting a “B” score, and my discount was about 8%. Once I adjusted and stopped late-braking, my score went up, and the discount doubled. It taught me to drive smoother — which honestly made me safer too.
Would you let an insurance company track your driving if it meant saving $20–$40 a month?
The Rising Rates Problem
Here’s where things get tricky. In 2025, a lot of State Farm customers in California and other high-risk areas (like wildfire zones) are seeing sharp increases. Some homeowners reported 20–30% hikes.
For example, a family in Northern California told the local news they were paying around $2,200 a year for homeowners insurance in 2023. By mid-2025, that jumped to nearly $3,000. That’s a serious strain, and it’s not just State Farm — most big insurers are pulling back in risky states.
If you live in a lower-risk area, though, your rates may still be very competitive, especially with discounts applied.
Have your premiums gone up recently? How did you handle it — switch insurers or stay put?
Pros & Cons Summed Up
- Pros: Big network of agents, solid app for managing policies, lots of discount options, financial stability (less risk they’ll vanish on you).
- Cons: Rates are climbing fast in disaster-prone states, the Drive Safe app can feel “too strict,” and not all discounts apply in every state.
A neighbor of mine switched from GEICO to State Farm because she wanted a local agent she could call instead of just an app. She doesn’t mind paying $15 more a month for the peace of mind. For her, the personal service was worth it.
What matters more to you: a lower bill, or having an agent you can talk to face-to-face?
Final Thoughts: Is State Farm Right for You in 2025?
If you’re a safe driver, live in a medium-risk area, and like having the option of a real agent plus a strong app, State Farm is still a top pick. But if you’re in California, Florida, or other disaster-prone states, be prepared for higher rates or stricter rules.
Join the discussion: Have you had any recent experiences with State Farm — good or bad? Your story might help someone else make a decision.
Rating – ★★★★☆ (4/5)
