Insure.com ranks 2025’s best insurers. See the winners.
Leslie is a home and auto insurance expert, educator and content creation professional. She has nearly two decades of experience in the insurance industry, first as a customer service representative at Farmers Insurance and now as a researcher and writer for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. She also has written for insurance shopping sites such as ExpertInsuranceReviews.com and InsuranceHotline.com.
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State Farm, the nation’s largest home insurance company, consistently ranks among the best home insurers, and the 2025 Best Home Insurance Companies survey is no different. For 2025, State Farm ranked at No.2 on the list among national companies.
State Farm is a top pick for home insurance thanks to satisfied customers, ease of service and various policy offerings. Our survey respondents rated it highly for customer satisfaction, with 89.9% of customers saying they’re satisfied with State Farm overall. It comes highly recommended by current customers; 86.1% would recommend it.
State Farm has a long history of financial stability and a solid reputation. It has an AM Best rating of A++, which measures financial strength. A++ is the best possible rating.
State Farm isn’t the cheapest home insurance company but has the biggest auto-home discount of all companies surveyed at 30%, which can mean big savings for those who bundle. However, there aren’t many other home discounts available.
AM Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.
Below is our review of State Farm. It’s based on third-party metrics, including two J.D. Power studies (Home Insurance Study and Property Claims Satisfaction Study) and an in-depth survey of insurance customers. Find the full methodology here.
State Farm’s rates aren’t the cheapest compared to other major insurance companies, but they’re on the lower side, below the average rate of $2,604. The average rate from State Farm is about a hundred dollars more than Allstate’s rate but below American Family’s.
Our survey found that 89.9% of State Farm customers rate it highly for customer satisfaction. It was outscored by a few companies but not by many. Amica scored higher at 96.2%.
State Farm also performed well in J.D. Power’s 2024 Home Insurance Study, which rates companies for overall customer satisfaction.
Our survey found that 84% of respondents are happy with the policy offerings from State Farm. A little more than half of the other national carriers scored higher in this category, with Nationwide garnering the best score at 96.4%.
State Farm rated well for ease of service, with 89.2% of current customers saying they are satisfied or highly satisfied. Only three carriers scored higher in this category with Erie, a regional carrier, taking the top slot at 100%.
According to our survey, yes. 86.1% of respondents said they’d recommend State Farm to others. A handful of companies, including category winner Erie ranked higher here.
State Farm has earned the trust of its customers. In our survey, 89.4% of State Farm’s customers who responded said they trust their insurance company, putting it in first place among the companies in our ranking. The only company that scored higher was USAA, but it isn’t included in our rankings as it only offers policies to military members and their families.
According to our survey, 93.4% of State Farm customers plan to renew their home insurance with the company. That’s very high and beats most of State Farm’s top competitors.
Based on our survey results, State Farm’s customers are relatively satisfied with the way claims are handled. The company scored fairly well at 79.2%. Erie led this category at 100% satisfaction with claims handling, a hard number to beat.
Another metric to consider: J.D. Power gives State Farm a rating of 873/1,000 for claims satisfaction, just above average on the Property Claims Satisfaction survey for 2024.
State Farm’s digital experience, including the website and mobile app, received good scores. 82.3% of customers surveyed are happy with the digital experience, an improvement over last year. Several carriers scored higher, with Amica topping this category.
The State Farm app has a 4.6-star rating on the Google Play store and a 4.8-star rating with Apple users, making it one of the better-rated apps out there for both operating systems.
State Farm offers an average auto and home bundling discount of 30%, the highest among companies for which Insure.com has data. Among those surveyed, 77% of customers are happy with State Farm’s auto and home bundling discounts. This places State Farm squarely in the middle of the ranking in this category.
State Farm offers a good range of discounts, but customers surveyed gave State Farm a satisfaction score of 62% in this category. The highest score in this category was 84.6% for Amica, but many companies’ scores were closer to State Farm’s.
*Limited states
Note: *State Farm is not currently writing new home insurance policies in California.
State Farm was founded in 1922 in Bloomington, Illinois, as a policyholder-owned mutual auto insurance company. Today, it offers a wide variety of insurance products and services and has 18,000 agents across the nation selling policies. It is the largest home insurance company by market share in the U.S
State Farm continues to operate as a mutual company, which means it’s owned by its customers and not shareholders and has no stock.
Sources:
State Farm. “Open the door to home insurance.” Accessed March 2025.
State Farm. “How to lower your rates with homeowners discounts.” Accessed March 2025.
J.D. Power. “2024 U.S. Home Insurance Study.” Accessed March 2025.
J.D. Power. “2024 U.S. Property Claims Satisfaction Study.” Accessed March 2025.
Insure.com in the fall of 2024 surveyed more than 1,750 insurance consumers (1,011 people with home insurance). The survey was conducted by online market research company Slice MR.
Respondents were asked to name their home insurer and then grade it in the following categories:
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
The percentage of respondents who said yes is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For home insurers, we took the following and gave each a weight.
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.