How Much Is State Farm Car Insurance per Month? (2026): About $167 to $177 for Full Coverage, Below the National Average, Unless Your Credit Is Poor
Key Takeaways
- NerdWallet’s September 2026 analysis puts State Farm full coverage at $167 a month ($2,005 a year) against a national average of $195 a month ($2,344 a year).
- AutoInsurance.com reports $169 a month for full coverage and $54 for minimum coverage, and calls State Farm’s rates below average.
- Poor credit is the exception: NerdWallet says State Farm drivers with poor credit pay an average of $652 a month, one of the highest rates in the industry.
- Drive Safe & Save can cut premiums by up to 30%, and multicar discounts reach up to 20%, according to AutoInsurance.com.
- State Farm announced a $5 billion return to auto customers in 2026, averaging about $100 per insured vehicle, per FinanceBuzz.
- InsureMojo lists a J.D. Power claims satisfaction score of 716, above the industry average, and a NAIC complaint index of 0.67.
State Farm is the largest name in car insurance for a reason: for drivers with clean records and good credit, it usually prices below the national average and pairs that with a big agent network. Several 2026 studies put full coverage between $167 and $177 a month and minimum coverage between $47 and $58 a month.
The picture changes for drivers with poor credit, where State Farm charges some of the highest premiums in the industry. The rest of this guide covers what State Farm costs, how it compares with the national average, and which discounts move the price.
State Farm costs less than most large insurers for clean records. It costs far more for poor credit.
The averages spread widely because each source uses a different sample driver. FinanceBuzz reports $103 a month for full coverage, Quote.com $123, NerdWallet $167, AutoInsurance.com $169, InsureMojo $177, and WalletHub $293. The ranking is consistent even when the dollar amounts are not. NerdWallet calls State Farm generally less expensive than other large insurers, and WalletHub puts its full coverage below its own national average of $351.
How much is State Farm car insurance per month?
In several studies, State Farm full coverage runs $167 to $177 a month and minimum coverage $47 to $58 a month. The table shows every source.
The rates and information displayed below reflect full-coverage averages unless noted.
| Source | Full coverage, per month | Minimum coverage, per month |
|---|---|---|
| FinanceBuzz (August 2026) | $103 | $53 |
| Quote.com (April 2026) | $123 | $47 |
| NerdWallet (September 2026) | $167 | Not stated |
| AutoInsurance.com (August 2026) | $169 | $54 |
| AutoInsurance.org (2026) | $110 | $58 |
| InsureMojo (March 2026) | $177 | Not stated |
| WalletHub (June 2026) | $293 | Not stated |
Sample rates only; actual quotes vary by state, vehicle, driving record, and other factors.
Is State Farm cheaper than the national average?
Yes, for most profiles. NerdWallet’s $167 a month sits $28 below the $195 national full coverage average. NerdWallet also finds State Farm generally offers lower rates regardless of driving history, including drivers with a speeding ticket or an at fault accident. For 60 year old drivers, it reports $148 a month against a national average of $169.
Quote.com shows a similar picture against competitors: State Farm is budget friendly at $47 for minimum and $123 for full coverage, while Liberty Mutual and Allstate are the most expensive at over $85 and $225.
| Profile | State Farm | National average |
|---|---|---|
| 35 year old, clean record, full coverage (NerdWallet) | $167 a month | $195 a month |
| 60 year old driver (NerdWallet) | $148 a month | $169 a month |
| Driver with poor credit (NerdWallet) | $652 a month | Not stated, but NerdWallet calls it one of the highest in the industry |
Sample rates only; actual quotes vary by state, vehicle, driving record, and other factors.
Why does State Farm cost so much with poor credit?
State Farm rates credit heavily in states where credit based insurance scoring is allowed. NerdWallet reports an average of $7,828 a year, or $652 a month, for State Farm drivers with poor credit, and says State Farm charges some of the highest premiums in the industry for this group. If your credit is poor, a State Farm quote may be far above its own average, so compare it with other insurers before you decide. Availability of credit scoring varies by state, and California, Hawaii, and Massachusetts prohibit it in auto rating.
What discounts does State Farm offer?
State Farm offers savings for insuring multiple vehicles, bundling other policies, keeping a clean driving record, and good grades, according to AutoInsurance.org.
| Discount | Savings | Source |
|---|---|---|
| Drive Safe & Save (usage based) | Up to 30% off | AutoInsurance.com |
| Multicar | Up to 20% off | AutoInsurance.com |
| Bundling auto and home | Up to $1,429 | AutoInsurance.com |
| Steer Clear (drivers under 25) | 15% off | AutoInsurance.org |
| Low mileage | Varies | AutoInsurance.org |
Discount amounts are maximums cited by the sources. Availability varies by state and eligibility.
State Farm also announced a $5 billion return to auto insurance customers in 2026, FinanceBuzz reports, with eligible drivers receiving an average of about $100 per insured vehicle. InsureMojo notes such dividends are possible because State Farm is a mutual company.
State Farm ratings and customer service
| Measure | Result | Source |
|---|---|---|
| J.D. Power claims satisfaction | 716, above the industry average | InsureMojo |
| NAIC complaint index | 0.67, about 33% fewer complaints than average for its size | InsureMojo |
| Agent network | Described as unmatched among national carriers | InsureMojo |
State Farm pros and cons
| Pros | Cons |
|---|---|
| Below average rates for clean records, per NerdWallet | Among the highest rates for poor credit drivers, per NerdWallet |
| Large local agent network | Does not let independent agents sell its policies, per Consumer Reports, so price it directly or through its own agents |
| Drive Safe & Save can cut premiums by up to 30% | Usage based programs can raise rates for risky habits |
| Above average claims satisfaction and low complaint index | Average prices vary widely by source, from $103 to $293 a month |
Frequently asked questions
How much is State Farm car insurance per month?
Between $167 and $177 a month for full coverage in several studies, and between $47 and $58 a month for minimum coverage. Individual quotes vary by age, ZIP code, driving record, and credit.
Is State Farm expensive?
No, not for most drivers. NerdWallet finds State Farm generally less expensive than other large insurers. It is expensive for drivers with poor credit, where it charges some of the highest premiums in the industry.
Is State Farm cheaper than GEICO?
It depends on your profile. GEICO typically wins for minimum coverage in rate studies, and State Farm is competitive after a ticket or DUI in MoneyGeek’s data. Quote both, since either can win in a given state.
Does State Farm have a good student or teen discount?
Yes. State Farm’s Steer Clear program offers young drivers a discount for completing its safe driving course, per AutoInsurance.org. Ask an agent which student discounts apply in your state.
What does State Farm cost after an accident or speeding ticket?
NerdWallet says State Farm offers lower rates than other large insurers even after a speeding ticket or at fault accident. A violation generally affects rates for about three years, according to AutoInsurance.org.
The bottom line
State Farm full coverage averages about $167 to $177 a month, below the national average for clean record drivers, with strong claims scores and multiple ways to save. The exception is poor credit, where State Farm ranks among the priciest options. Compare quotes from at least three insurance companies, including State Farm, and use the InsuredSpot website to see them side by side.
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