State Farm and The General are two of the biggest names in auto insurance. State Farm is one of the largest auto insurers in the nation, with 19,000 agents across the country. The General, on the other hand, is a subsidiary of the insurance giant American Family Insurance. So, which insurance is better: State Farm auto or The General?
What You'll Learn
State Farm has better customer service
State Farm also has a large network of 19,000 agents across the country, making it easy for customers to get in touch with a representative. The company also received high marks for the ease of filing claims and claim resolution, with 48% of those surveyed saying they were completely satisfied with the ease of filing a claim, and 55% saying they were completely satisfied with the resolution of their claim.
In comparison, The General has a lower rating for customer service, with only 3 stars out of 5 on a leading consumer review website. Many customers have complained about long wait times and difficulty reaching a representative.
State Farm also offers a variety of discounts, such as accident-free driving, good driver, defensive driving course, and multiple vehicle discounts. The company also has a telematics program, Drive Safe and Save, which records and analyzes driving habits to calculate discounts of up to 30%.
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State Farm has better claims handling
State Farm is one of the largest auto insurers in the nation, with a network of 19,000 agents across the country. It has high marks for claims handling and customer service.
State Farm is ranked No. 4 in the best car insurance companies, behind USAA, Auto-Owners, and Nationwide. However, it is ahead of other major insurers like Farmers, Allstate, and Geico. State Farm also has high ratings for customer service and discounts.
State Farm's customer service received high marks, with 55% of those surveyed saying they were completely satisfied. The ease of filing a claim was rated highly as well, with 48% of those surveyed saying they were completely satisfied with the process. Additionally, 55% of respondents said they were completely satisfied with the resolution of their claim.
State Farm also has a high customer loyalty rating, with almost 54% of those surveyed saying they were "very likely" to renew their policy, and 43% saying they would be "very likely" to recommend State Farm to someone looking for car insurance.
State Farm's sample annual rate of $2,150 is slightly higher than the national average of $2,068. However, it offers affordable rates for drivers with less-than-perfect driving histories. It also has lower-than-average sample rates for drivers with a speeding ticket, accident, or DUI on their record.
In comparison to The General, State Farm has better ratings for claims handling and customer service. The General Insurance does not have enough reviews for a proper comparison, but it is known for its high-cost coverage and poor customer service.
Therefore, State Farm is a better option than The General when it comes to auto insurance, especially for those with less-than-perfect driving records. State Farm's strong claims handling and customer service, along with its competitive rates, make it a top choice for many drivers.
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State Farm has better customer loyalty
State Farm is ranked No. 4 in the best car insurance companies, with high scores for customer service and claims handling. In a survey, 55% of respondents said they were completely satisfied with State Farm's customer service. State Farm also scored well in terms of the ease of contacting customer service, with 55% describing themselves as completely satisfied.
When it comes to claims handling, State Farm is tied for fourth place with a score of 4.2 out of 5. 48% of those surveyed said they were completely satisfied with the ease of filing a claim with State Farm, and 55% said they were completely satisfied with the resolution of their claim.
State Farm also performs well in terms of customer loyalty. In a survey, almost 54% of respondents said they were "very likely" to renew their policy with State Farm, while 29% said they were "likely" to do so. 43% said they would be "very likely" to recommend State Farm to someone looking for car insurance.
State Farm's strong performance in customer service, claims handling, and customer loyalty indicates that it has better customer loyalty than The General.
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State Farm is cheaper for teen drivers
State Farm is one of the cheapest insurance options for teen drivers, with rates lower than the national average.
State Farm offers competitive rates for car insurance for teen drivers. It also offers excellent service, safe-driving tips, and savings of up to 25% to help reduce the costs of insurance for teens. State Farm's rates for teens are lower than the national average and lower than those of competitors like Progressive and Allstate.
State Farm offers several discounts for teen drivers, including:
- Good Student Discount: Up to 25% discount for students with good grades.
- Driver Training Discount: Discount for students under 25 who only drive during school vacations.
- Student Away at School Discount: Discount for students under 25 who only drive when they're at home.
- Steer Clear Discount: Discount for students who complete a safe driving course.
- Defensive Driving Course Discount: Discount for students who complete a defensive driving course.
State Farm's rates for teens are cheaper than those of its competitors. For example, Farmers Insurance offers insurance for teenagers at an average of $8,348 per year, while State Farm provides insurance to teen drivers for $5,337 per year.
State Farm's rates for teens are also cheaper than the national average. The national average rate of the nine insurance providers we surveyed is $1,321. State Farm's average rate of $1,169 is lower than the national average.
In addition to its competitive rates and discounts, State Farm also offers excellent customer service and claims handling. State Farm received high marks for the ease of filing claims and claim resolution, with 55% of respondents saying they were completely satisfied with the resolution of their claim. State Farm also ranked highly for customer loyalty, with 43% of customers saying they were "very likely" to renew their policy.
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State Farm is cheaper for young adults
State Farm is one of the largest auto insurers in the US and is rated No. 4 in the list of best car insurance companies. It has high ratings for customer service, customer loyalty, and claims handling. State Farm also offers affordable rates for drivers with less-than-perfect driving histories, including those with a speeding ticket, accident, or DUI on their record.
State Farm's rates for young adults are lower than the national average. A single 25-year-old female driver can expect to pay slightly less per year with State Farm than the national average, while a single male driver of the same age may pay slightly more. These rates are lower than those offered by some other companies, including Allstate and American Family.
State Farm also offers a discount of up to 20% for safe-driving young adults with their Steer Clear® program.
State Farm's average rates for young adults are also lower than those offered by Progressive and Allstate.
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Frequently asked questions
State Farm has been rated highly for customer service by its customers, with 72% stating complete satisfaction with the ease of opening a policy and 64% claiming complete satisfaction with contacting customer service.
State Farm offers competitive rates for a wide variety of drivers, including young and high-risk drivers. Their rates are often below the national average.
State Farm has received high ratings for claims handling, with 59% of survey respondents stating they were completely satisfied with the ease of opening a claim and 67% completely satisfied with claim resolution.