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State Farm life insurance review and ratings 2025

State Farm ranks sixth in our ranking for the Best Life Insurance Companies in 2025, receiving 4.48 out of 5.0 stars. The insurer has the highest AM Best rating available and a low level of customer complaints with the NAIC.

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Our take

State Farm earned 4.48 stars out of 5.0 in our 2025 Best Life Insurance Companies ranking. Customers we surveyed gave State Farm high marks for its term life insurance policies and ease of billing process. Around 97% of surveyed customers said they plan to renew their policy with State Farm. 

AM Best, a third-party credit agency, gave State Farm its highest score possible, an A++ (Superior) rating. This indicates that State Farm is a financially sound company capable of paying out claims. State Farm also earned first place in J.D. Power’s life insurance customer satisfaction study. 

Below is our review of the full company and its line of life insurance products. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.

State Farm
State Farm Ratings
Overall Rating: 4.48
Ease of service: 3.91
NAIC: 0.36
Customer Satisfaction: 3.87
AM Best Rating: A++
Effective date:

Pros and Cons

Pros:
  • First place in J.D. Power’s customer satisfaction study
  • Highest AM Best score possible
Cons:
  • Lower rating for ease of service compared to competitors
  • Other companies scored higher for policy offerings

How State Farm scores for customer satisfaction

About 71% of customers we surveyed said they are satisfied with State Farm. In a separate study, the company had the highest J.D. Power overall satisfaction score of the more than two dozen life insurance companies it rated.

CompanyPercent of customers that are satisfiedJ.D. Power overall satisfaction score (out of 1,000)
State Farm71%699
Prudential77%626
Globe Life74%631
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How State Farm scores for ease of service

Ease of service is a metric that rates how easy it is for customers to access policy documents and make changes. Around 73% of surveyed State Farm customers said they’re satisfied with the insurer’s ease of use. Several competitors, like AIG and Guardian, scored higher in this category.

CompanyPercent of customers satisfied with the company’s ease of service
State Farm73%
AIG90%
Gerber Life74%

How State Farm scores on policy offerings

State Farm scored slightly lower than other top companies regarding policy offerings, but 74% said they were satisfied with the insurer. Companies like Guardian, John Hancock, and New York Life scored higher in this category.

CompanyPercent of respondents satisfied with the company’s policy offerings
State Farm74%
Globe Life76%
AIG87%

How trustworthy is State Farm?

Customers want an insurance company they can trust, especially when it comes to something as important as life insurance. About 89% of surveyed customers marked State Farm as high on the trustworthiness scale, but several other companies scored higher. 

CompanyPercent of survey respondents who find the company trustworthy
State Farm89%
Northwestern Mutual100%
AAA96%

Do State Farm customers plan to renew? 

Most of the customers we surveyed plan to renew their life insurance with State Farm. Lincoln Financial, Mutual of Omaha, Northwestern Mutual, and Prudential all tied for first place in this category, with 100% of surveyed customers planning to renew. 

CompanyPercent of survey respondents who plan to renew
State Farm97%
Amica76%
Lincoln Financial100%

State Farm product details

  • Term life
  • Permanent life
  • Whole life
  • Universal life
  • Variable universal life

Other services offered

  • Health insurance
  • Disability
  • Small business insurance
  • Liability
  • Identity restoration
  • Pet medical insurance
  • Medicare supplement
  • Supplemental insurance
  • Boat insurance
  • Motorcycle insurance
  • Auto insurance
  • Home and property insurance
  • Motorhome insurance
  • Off-road vehicle insurance
  • Pet insurance

About State Farm

State Farm

Founded in Illinois a century ago, State Farm started with a focus on good service and great value. The original mission was to treat its customers fairly. Since 1922, that mission still seems to hold true, and even has a presence in its business tagline: Like a good neighbor, State Farm is there.

With 100 years of experience, State Farm has become a leader in life insurance as well as home and auto insurance.

States where State Farm offers coverage

Graph
Table
States where State Farm offers coverage
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Washington D.C.
West Virginia
Wyoming
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
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Resources and Methodology

Sources:

J.D. Power. “Individual Life Insurance Study.” Accessed March 2025.

Methodology

Insure.com in the fall of 2024 surveyed more than 1,750 insurance consumers (973 people with life insurance). The survey was conducted by online market research company Slice MR.

Respondents were asked to name their life insurer and then grade it in the following categories: 

  • Customer satisfaction
  • Ease of service
  • Policy offerings
  • Billing process
  • Adding policy riders
  • Seniors/older adults
  • Middle-aged adults
  • Young people
  • Term life policies
  • Whole life policies
  • People with pre-existing conditions
  • People who are overweight
  • People who don’t want to take a medical exam

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:

  1. I plan to keep my coverage with my current life insurance company
  2. I would recommend my life insurance company to others
  3. I trust my life insurance company

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 Compulife.

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 life insurers, we took the following and gave each a weight.

  • Survey: 60% of the total score (10% customer satisfaction, 10% ease of service, 10% policy offerings, 10% recommended, 10% policy retention and 10% trust)
  • AM Best: 25% of total score
  • NAIC: 15% of total score

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.

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Kara McGinley

 
  

Kara McGinley has over 6 years of experience writing, editing, and reporting on insurance and the insurance industry. She's been a licensed property and casualty expert in New York since 2021. Kara has been featured in several national publications, including USA TODAY, MSN, LifeHacker, Kiplinger, PropertyCasualty360, Policygenius, Rental Housing Journal, and WRAL.

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