State Farm Auto Insurance in Canada: Is It Worth It in 2025?

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Our expert's review on State Farm

Last update: July 21, 2025
State FarmState Farm
2.8
hellosafe-logoScore
Daniel Clarke
Daniel Clarke
Personal finance expert

State Farm presents a car insurance offer built on standard coverages like Liability, Comprehensive, and Collision, with sample liability ceilings reaching $100k/$300k and deductibles around $500. It promotes safe driving with programs such as Steer Clear®, offering up to a 20% discount for drivers under 25, although its overall customer satisfaction ratings are exceptionally low.

Compared to other national insurers, State Farm's primary strength is its immense network of over 19,000 local agents for personalized service, though it does not offer gap insurance. State Farm is structured to serve a very wide audience, offering specialized policies for teen drivers, classic car owners, and those with sports or commercial vehicles.

However, the company's reliability is a significant point of concern, reflected in its Trustpilot rating of 1.5/5 from over 800 reviews. Customer feedback frequently highlights major challenges with claims management, including reports of denials, underpayments, and poor communication.

  • Extensive network of over 19,000 local agents
  • Specialized policies for many vehicle types
  • Up to 20% discount for drivers under 25
  • Significant savings from bundling policies
  • 24/7 claims reporting by phone, app, or online
  • Dedicated insurance for antique and classic cars
  • Community involvement via safety programs
  • Very poor customer rating on Trustpilot (1.5/5)
  • Widespread reports of difficult claims processing
  • No availability of gap insurance
  • Key safe driving discount not offered in California
  • Reports of large, unexplained premium increases
State FarmState Farm
2.8
hellosafe-logoScore
  • Extensive network of over 19,000 local agents
  • Specialized policies for many vehicle types
  • Up to 20% discount for drivers under 25
  • Significant savings from bundling policies
  • 24/7 claims reporting by phone, app, or online
  • Dedicated insurance for antique and classic cars
  • Community involvement via safety programs

Our expert's review on State Farm

Last update: July 21, 2025
Daniel Clarke
Daniel Clarke
Personal finance expert
  • Extensive network of over 19,000 local agents
  • Specialized policies for many vehicle types
  • Up to 20% discount for drivers under 25
  • Significant savings from bundling policies
  • 24/7 claims reporting by phone, app, or online
  • Dedicated insurance for antique and classic cars
  • Community involvement via safety programs
  • Very poor customer rating on Trustpilot (1.5/5)
  • Widespread reports of difficult claims processing
  • No availability of gap insurance
  • Key safe driving discount not offered in California
  • Reports of large, unexplained premium increases
State FarmState Farm
2.8
hellosafe-logoScore
  • Extensive network of over 19,000 local agents
  • Specialized policies for many vehicle types
  • Up to 20% discount for drivers under 25
  • Significant savings from bundling policies
  • 24/7 claims reporting by phone, app, or online
  • Dedicated insurance for antique and classic cars
  • Community involvement via safety programs
State Farm presents a car insurance offer built on standard coverages like Liability, Comprehensive, and Collision, with sample liability ceilings reaching $100k/$300k and deductibles around $500. It promotes safe driving with programs such as Steer Clear®, offering up to a 20% discount for drivers under 25, although its overall customer satisfaction ratings are exceptionally low. Compared to other national insurers, State Farm's primary strength is its immense network of over 19,000 local agents for personalized service, though it does not offer gap insurance. State Farm is structured to serve a very wide audience, offering specialized policies for teen drivers, classic car owners, and those with sports or commercial vehicles. However, the company's reliability is a significant point of concern, reflected in its Trustpilot rating of 1.5/5 from over 800 reviews. Customer feedback frequently highlights major challenges with claims management, including reports of denials, underpayments, and poor communication.
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The State Farm Car Insurance Guarantees

State Farm offers standard auto insurance options for the CA market, including liability, collision, and comprehensive coverage, each aligning with typical provincial requirements.

Coverage benefits are consistent with national market practices, featuring property damage, bodily injury, protection from uninsured motorists, and additional options for various types of vehicles such as electric, hybrid, and commercial.

Discount programs, including Drive Safe & Save® (not available in CA) and Steer Clear®, reward safe driving and young driver profiles, which is consistent with the incentives offered by leading competitors, though custom benefit amounts are NC.

Gap insurance is not available, which may be a limitation for those with new car loans, but the availability of agency networks and digital claims options is on par with Canadian standards.

The contract does not communicate exclusion specifics but highlights 24/7 claims reporting, online management tools, and tailored vehicle options, supporting a well-rounded offering for the CA audience.

Warranty nameBasic planEnhanced plan
Formula positioningEntry-level, required by lawOptional upgrade, expanded protection
Type of coverThird party liabilityCollision, comprehensive, uninsured motorist
Reimbursement rate (% of damages covered)NCNC
Annual reimbursement ceilingNCNC
Policy excess (per claim and/or annually)Example: $250-$500 typicalExample: $250-$500 typical
Waiting period (before certain guarantees take effect)NCNC
Minimum/maximum age for subscriptionStandard licensing ageStandard licensing age
Prior risk assessmentDriving history consideredDriving history considered
Payment facilitiesMonthly, quarterly, annual payment optionsMonthly, quarterly, annual payment options
Advance payment of claim-related costsNCNC
Compensation at purchase value/agreed value/replacement valueNCNC
Third-party liability (bodily injury and property damage to others)Up to $100k/$300k BI, $20k–$50k PDUp to $100k/$300k BI, $20k–$50k PD
Own vehicle damage (collision, regardless of fault)✅ (collision coverage offered)
Theft of vehicle (partial or total)✅ (included in comprehensive)
Fire (accidental or criminal)✅ (included in comprehensive)
Broken glass (windscreen, windows, sunroof)✅ (included in comprehensive)
Natural disasters (hail, flood, storm, etc.)✅ (included in comprehensive)
Acts of vandalism✅ (included in comprehensive)
All-risks damage (accidents of any cause, including at-fault)✅ (collision + comprehensive)
Driver personal injury cover (death, disability, medical expenses)Optional, coverage variesOptional, coverage varies
Passenger injury coverOptional, coverage variesOptional, coverage varies
Criminal defence and recourse (basic legal aid after an accident)NCNC
Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs)NCNC
Vehicle accessories and modifications (including electric vehicle batteries and cables)Optional endorsementsOptional endorsements
Personal belongings inside the vehicle (excluding cash and documents)NCNC
Child equipment (seats, pushchairs)NCNC
Replacement vehicle (during repairs or after total loss)NCNC
Towing and roadside assistance (including out-of-charge recovery for EVs)Optional add-onOptional add-on
Use abroad (compliance with minimum local cover; optional full cover abroad)NCNC
Vehicle use for professional/business purposes (where applicable)Optional policyOptional policy
Driving other vehicles (third-party only or comprehensive, depending on the insurer)Third-party minimumThird-party minimum
Trailer or caravan towing coverOptional policyOptional policy
Formula positioning
Basic plan
Entry-level, required by law
Enhanced plan
Optional upgrade, expanded protection
Type of cover
Basic plan
Third party liability
Enhanced plan
Collision, comprehensive, uninsured motorist
Reimbursement rate (% of damages covered)
Basic plan
NC
Enhanced plan
NC
Annual reimbursement ceiling
Basic plan
NC
Enhanced plan
NC
Policy excess (per claim and/or annually)
Basic plan
Example: $250-$500 typical
Enhanced plan
Example: $250-$500 typical
Waiting period (before certain guarantees take effect)
Basic plan
NC
Enhanced plan
NC
Minimum/maximum age for subscription
Basic plan
Standard licensing age
Enhanced plan
Standard licensing age
Prior risk assessment
Basic plan
Driving history considered
Enhanced plan
Driving history considered
Payment facilities
Basic plan
Monthly, quarterly, annual payment options
Enhanced plan
Monthly, quarterly, annual payment options
Advance payment of claim-related costs
Basic plan
NC
Enhanced plan
NC
Compensation at purchase value/agreed value/replacement value
Basic plan
NC
Enhanced plan
NC
Third-party liability (bodily injury and property damage to others)
Basic plan
Up to $100k/$300k BI, $20k–$50k PD
Enhanced plan
Up to $100k/$300k BI, $20k–$50k PD
Own vehicle damage (collision, regardless of fault)
Basic plan
Enhanced plan
✅ (collision coverage offered)
Theft of vehicle (partial or total)
Basic plan
Enhanced plan
✅ (included in comprehensive)
Fire (accidental or criminal)
Basic plan
Enhanced plan
✅ (included in comprehensive)
Broken glass (windscreen, windows, sunroof)
Basic plan
Enhanced plan
✅ (included in comprehensive)
Natural disasters (hail, flood, storm, etc.)
Basic plan
Enhanced plan
✅ (included in comprehensive)
Acts of vandalism
Basic plan
Enhanced plan
✅ (included in comprehensive)
All-risks damage (accidents of any cause, including at-fault)
Basic plan
Enhanced plan
✅ (collision + comprehensive)
Driver personal injury cover (death, disability, medical expenses)
Basic plan
Optional, coverage varies
Enhanced plan
Optional, coverage varies
Passenger injury cover
Basic plan
Optional, coverage varies
Enhanced plan
Optional, coverage varies
Criminal defence and recourse (basic legal aid after an accident)
Basic plan
NC
Enhanced plan
NC
Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs)
Basic plan
NC
Enhanced plan
NC
Vehicle accessories and modifications (including electric vehicle batteries and cables)
Basic plan
Optional endorsements
Enhanced plan
Optional endorsements
Personal belongings inside the vehicle (excluding cash and documents)
Basic plan
NC
Enhanced plan
NC
Child equipment (seats, pushchairs)
Basic plan
NC
Enhanced plan
NC
Replacement vehicle (during repairs or after total loss)
Basic plan
NC
Enhanced plan
NC
Towing and roadside assistance (including out-of-charge recovery for EVs)
Basic plan
Optional add-on
Enhanced plan
Optional add-on
Use abroad (compliance with minimum local cover; optional full cover abroad)
Basic plan
NC
Enhanced plan
NC
Vehicle use for professional/business purposes (where applicable)
Basic plan
Optional policy
Enhanced plan
Optional policy
Driving other vehicles (third-party only or comprehensive, depending on the insurer)
Basic plan
Third-party minimum
Enhanced plan
Third-party minimum
Trailer or caravan towing cover
Basic plan
Optional policy
Enhanced plan
Optional policy

*NC = Not communicated in available documentation. Coverage, conditions, and details may vary by province or plan. Sample coverage limit values are based on Nevada and do not represent current CA offerings.*

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Good to know

State Farm offers claims management through a user-friendly mobile app and website, with claims reporting available 24/7. Customers can also access an extensive network of local agents for personalized support, and educational resources are available through their online "Simple Insights®" platform. Discount eligibility (Drive Safe & Save, Steer Clear) may vary by location and profile.

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State Farm Car Insurance Exclusions

State Farm car insurance does not publicly disclose a comprehensive list of standard policy exclusions in Canada, limiting transparency for potential policyholders. Clearly, State Farm does not offer gap insurance—a notable distinction from some competitors that offer loan/lease gap protection as a standalone endorsement.

All coverages are strictly subject to policy provisions and any applicable endorsements, implying exclusions for non-disclosed drivers, unauthorized use, and certain types of high-risk driving such as racing, though these are not detailed online.

The lack of specific exclusions for standard risks such as mechanical breakdown, intentional damage, or commercial use in accessible materials makes it essential for applicants to consult with a State Farm agent. This omission of readily available exclusion details is less transparent than some other leading Canadian insurers, which tend to enumerate key exclusions in their public-facing documents.

ExclusionsDetails
Exclusions linked to the use of the vehicleGap insurance not offeredN.C. for racing or competitionsN.C. for commercial use, ridesharing, or delivery services
Exclusions linked to the driverN.C. for unauthorized driversN.C. for impaired or unlicensed driversN.C. for intentional or fraudulent acts
Technical exclusionsN.C. for mechanical breakdown, wear and tear, or unapproved modifications
Geographical exclusionsN.C. for losses outside Canada/USA or in restricted territories
Contractual exclusionsAll claims subject to policy provisions and endorsementsN.C. for non-disclosure or misrepresentation
Other notable exclusionsN.C. for personal property in the vehicleN.C. for force majeure events (war, terrorism, nuclear risks)
Exclusions linked to the use of the vehicle
Details
Gap insurance not offeredN.C. for racing or competitionsN.C. for commercial use, ridesharing, or delivery services
Exclusions linked to the driver
Details
N.C. for unauthorized driversN.C. for impaired or unlicensed driversN.C. for intentional or fraudulent acts
Technical exclusions
Details
N.C. for mechanical breakdown, wear and tear, or unapproved modifications
Geographical exclusions
Details
N.C. for losses outside Canada/USA or in restricted territories
Contractual exclusions
Details
All claims subject to policy provisions and endorsementsN.C. for non-disclosure or misrepresentation
Other notable exclusions
Details
N.C. for personal property in the vehicleN.C. for force majeure events (war, terrorism, nuclear risks)

*N.C. = Not communicated in State Farm public documentation. For precise exclusions, review your specific policy or contact a State Farm agent.*

State Farm car insurance cost

State Farm is generally positioned as a mid-range provider in the Canadian market, offering robust coverage options supported by an extensive agent network and a suite of traditional and digital resources.

While State Farm’s reimbursement levels and car insurance deductibles are typically on par with major competitors, its comprehensive plans and optional protections such as accident forgiveness, car rental reimbursement, and advanced telematics programs mean premiums may trend higher for drivers seeking full coverage.

Despite some digital features like online claims and mobile app services, State Farm is not a pure digital player; its hybrid agent-digital approach prioritizes personal service but can limit pricing efficiencies compared to fully online insurers such as Sonnet or Belairdirect.

Its greatest strengths lie in home and car bundling and safe driving discounts, as well as coverage flexibility for varied vehicle types, though customers in search of the absolute lowest rates may find more economical, if less comprehensive, alternatives elsewhere.

Overall, State Farm positions itself as a mainstream, moderately-priced insurer with a balance of strong support and solid coverage, rather than a budget or digital-first disruptor.

Basic planStandard planComprehensive plan
Young driver (18-24, compact vehicle)$123/month$146/month$179/month
Standard driver (35-45, intermediate)$81/month$98/month$116/month
Senior driver (60-70, city car)$68/month$82/month$101/month
Driver with at-fault claim (3 years)$145/month$171/month$207/month
New SUV driver$104/month$123/month$152/month
Driver with more than 25,000km/year$118/month$139/month$168/month
Young driver (18-24, compact vehicle)
Basic plan
$123/month
Standard plan
$146/month
Comprehensive plan
$179/month
Standard driver (35-45, intermediate)
Basic plan
$81/month
Standard plan
$98/month
Comprehensive plan
$116/month
Senior driver (60-70, city car)
Basic plan
$68/month
Standard plan
$82/month
Comprehensive plan
$101/month
Driver with at-fault claim (3 years)
Basic plan
$145/month
Standard plan
$171/month
Comprehensive plan
$207/month
New SUV driver
Basic plan
$104/month
Standard plan
$123/month
Comprehensive plan
$152/month
Driver with more than 25,000km/year
Basic plan
$118/month
Standard plan
$139/month
Comprehensive plan
$168/month

Compare a quote from State Farm and leading competitors to find the most suitable combination of price and coverage for your needs:

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State Farm car insurance discount codes

Promotional codes State FarmDetails
HelloSafe-5% on your quote
Promotional codes State Farm
HelloSafe
Details
-5% on your quote
Promotional codes State Farm

Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.

How much will I be reimbursed with State Farm?

Claim or serviceAverage price (CA$)State Farm basic (liability only)State Farm with collision+comprehensiveState Farm with all options (including loss of use, replacement add-ons)
Replacement after theft$28,000Up to actual cash value (excluding excess)Up to purchase price (excluding excess, with new car replacement option)
Repair after at-fault accident$4,500Up to $4,500 (excluding excess)Up to $4,500 (excluding excess)
Windshield replacement$800Up to $800 (excluding excess)Up to $800 (excluding excess, with glass coverage option)
Emergency towing$180Up to $180 (excluding excess, with roadside assistance add-on)
Vandalism repair$2,000Up to $2,000 (excluding excess)Up to $2,000 (excluding excess)
Comparison of State Farm auto insurance coverage levels for various claims.
Replacement after theft
Average price (CA$)
$28,000
State Farm basic (liability only)
State Farm with collision+comprehensive
Up to actual cash value (excluding excess)
State Farm with all options (including loss of use, replacement add-ons)
Up to purchase price (excluding excess, with new car replacement option)
Repair after at-fault accident
Average price (CA$)
$4,500
State Farm basic (liability only)
State Farm with collision+comprehensive
Up to $4,500 (excluding excess)
State Farm with all options (including loss of use, replacement add-ons)
Up to $4,500 (excluding excess)
Windshield replacement
Average price (CA$)
$800
State Farm basic (liability only)
State Farm with collision+comprehensive
Up to $800 (excluding excess)
State Farm with all options (including loss of use, replacement add-ons)
Up to $800 (excluding excess, with glass coverage option)
Emergency towing
Average price (CA$)
$180
State Farm basic (liability only)
State Farm with collision+comprehensive
State Farm with all options (including loss of use, replacement add-ons)
Up to $180 (excluding excess, with roadside assistance add-on)
Vandalism repair
Average price (CA$)
$2,000
State Farm basic (liability only)
State Farm with collision+comprehensive
Up to $2,000 (excluding excess)
State Farm with all options (including loss of use, replacement add-ons)
Up to $2,000 (excluding excess)
Comparison of State Farm auto insurance coverage levels for various claims.

State Farm Car Insurance Assistance

State Farm’s auto insurance in Canada includes standard optional assistance services, but many key features are only available if you specifically add roadside assistance or rental reimbursement to your policy. While 24/7 claims assistance is consistently accessible, core assistance such as towing, battery help, or lock-out service depends on whether you have purchased the Emergency Roadside Service add-on.

Replacement vehicle coverage is available if rental reimbursement is selected, but other important benefits like alternative accommodation, vehicle repatriation, or any dedicated assistance for electric vehicles are not communicated as standard or supplemental offerings.

Legal assistance and support for pets are not featured in State Farm's Canadian documentation, leaving drivers with common needs in these areas potentially unsupported. Policyholders are strongly encouraged to thoroughly review their options with a State Farm agent to clarify which assistance services they can actually access under their plan.

Support State FarmAvailabilityDetails
24/7 roadside breakdown assistanceAvailable with Emergency Roadside Service add-on.
Includes service calls for breakdowns.
Towing to repair facility / Extended towingProvided only if Emergency Roadside Service rider is added.
May cover towing to nearest garage.
Assistance from home (0 km)Included with Emergency Roadside Service; applies for immobilization at any location.
Replacement vehicleOnly with rental reimbursement add-on.
Temp vehicle during repairs after a covered loss.
Alternative transport or accommodationN.C.Not communicated in policy documents.
Vehicle repatriationN.C.Not communicated.
Assistance abroadN.C.Not communicated.
Standard package does not mention international coverage.
Assistance for electric vehiclesN.C.Not communicated in Canadian documentation.
No EV-specific roadside assistance outlined.
Battery assistance & fuel misfuellingBattery jump-start covered under Emergency Roadside Service.
Misfuelling: N.C.
Legal assistance after an accidentN.C.Not communicated.
No legal expense coverage listed.
Assistance for animals on boardN.C.Not communicated.
Key recovery & lock replacementLockout/unlock service included with Emergency Roadside Service.
Key replacement: N.C.
State Farm Support and Availability
24/7 roadside breakdown assistance
Availability
Details
Available with Emergency Roadside Service add-on.
Includes service calls for breakdowns.
Towing to repair facility / Extended towing
Availability
Details
Provided only if Emergency Roadside Service rider is added.
May cover towing to nearest garage.
Assistance from home (0 km)
Availability
Details
Included with Emergency Roadside Service; applies for immobilization at any location.
Replacement vehicle
Availability
Details
Only with rental reimbursement add-on.
Temp vehicle during repairs after a covered loss.
Alternative transport or accommodation
Availability
N.C.
Details
Not communicated in policy documents.
Vehicle repatriation
Availability
N.C.
Details
Not communicated.
Assistance abroad
Availability
N.C.
Details
Not communicated.
Standard package does not mention international coverage.
Assistance for electric vehicles
Availability
N.C.
Details
Not communicated in Canadian documentation.
No EV-specific roadside assistance outlined.
Battery assistance & fuel misfuelling
Availability
Details
Battery jump-start covered under Emergency Roadside Service.
Misfuelling: N.C.
Legal assistance after an accident
Availability
N.C.
Details
Not communicated.
No legal expense coverage listed.
Assistance for animals on board
Availability
N.C.
Details
Not communicated.
Key recovery & lock replacement
Availability
Details
Lockout/unlock service included with Emergency Roadside Service.
Key replacement: N.C.
State Farm Support and Availability

Customer reviews of State Farm car insurance

Review siteRating and number of reviews
Trustpilot1.5 out of 5 (868 reviews)
Trustpilot
Rating and number of reviews
1.5 out of 5 (868 reviews)
  • ✅ A small number of customers describe switching to State Farm as straightforward with clear savings, especially during initial enrollment.
  • ✅ Some policyholders highlight positive interactions with specific agents or employees who were polite, knowledgeable, and provided efficient service during policy reviews.
  • ❌ The predominant experience is frustration with the claims process, including allegations of unfair denials, low settlement offers, and adjusters disregarding provided evidence.
  • ❌ Numerous reviews cite poor customer service, including unreturned calls, long delays, and unhelpful responses from both agents and claims specialists.
  • ❌ Unexpected premium increases are frequently mentioned, sometimes affecting even long-term clients with clean records.
  • ❌ Customers report issues with billing, such as being charged after car policy cancellation and confusion due to miscommunication or unmet promises from agents.
  • ❌ Several policyholders experienced non-renewal of their coverage after filing claims for events such as natural disasters, despite years of timely payments.

How to Contact State Farm?

Customer service State FarmContact information
To obtain a quote or take out a policy onlineYou can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. Alternatively, contact a local State Farm agent; find an agent using the directory on statefarm.ca.
To report a claimClaims can be reported 24/7 online, through the State Farm mobile app, or by contacting your local State Farm agent. For support, call 1-800-782-8332 or send documents by mail to State Farm Canada, 1-855-209-9549.
To request and track a refundRequest and track refunds by contacting your State Farm agent, calling customer service at 1-800-782-8332, or sending an inquiry online. Refunds are typically issued to your original payment method within 10–14 business days after processing.
To obtain an insurance certificateRequest your insurance certificate (proof of insurance) by logging into your State Farm account, contacting your local agent, or calling 1-800-782-8332. Digital slips can be accessed online; paper copies can be mailed upon request.
To contact assistanceContact your local State Farm agent for personalized assistance or call the main State Farm customer line at 1-800-782-8332. Postal: State Farm Canada, 1-855-209-9549.
To cancel my contractTo cancel, contact your local State Farm agent or call 1-800-782-8332. State Farm generally requires written notice of cancellation, your policy number, a requested cancellation date, and may ask for proof of new insurance. Notice period and required documents vary by case.
State Farm Customer Service and Contact Information
To obtain a quote or take out a policy online
Contact information
You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. Alternatively, contact a local State Farm agent; find an agent using the directory on statefarm.ca.
To report a claim
Contact information
Claims can be reported 24/7 online, through the State Farm mobile app, or by contacting your local State Farm agent. For support, call 1-800-782-8332 or send documents by mail to State Farm Canada, 1-855-209-9549.
To request and track a refund
Contact information
Request and track refunds by contacting your State Farm agent, calling customer service at 1-800-782-8332, or sending an inquiry online. Refunds are typically issued to your original payment method within 10–14 business days after processing.
To obtain an insurance certificate
Contact information
Request your insurance certificate (proof of insurance) by logging into your State Farm account, contacting your local agent, or calling 1-800-782-8332. Digital slips can be accessed online; paper copies can be mailed upon request.
To contact assistance
Contact information
Contact your local State Farm agent for personalized assistance or call the main State Farm customer line at 1-800-782-8332. Postal: State Farm Canada, 1-855-209-9549.
To cancel my contract
Contact information
To cancel, contact your local State Farm agent or call 1-800-782-8332. State Farm generally requires written notice of cancellation, your policy number, a requested cancellation date, and may ask for proof of new insurance. Notice period and required documents vary by case.
State Farm Customer Service and Contact Information

FAQ

Do I have to pay in advance for repairs or assistance with State Farm?

If you use a State Farm affiliated or approved repair shop, State Farm typically pays the provider directly after your deductible, so no advance out-of-pocket payment is needed. For other providers, you might need to pay the cost and seek reimbursement, depending on your claim and policy terms.

How do I cancel my car insurance contract with State Farm?

To cancel, contact your local State Farm agent or customer service, provide your policy number and written notice (usually 30 days in advance), and submit a signed cancellation request; you may be asked for proof of alternate coverage if required.

What coverage options does State Farm car insurance offer in Canada?

State Farm provides standard auto insurance coverages, including liability, collision, comprehensive, and uninsured or underinsured motorist protection. You can also insure specialty vehicles like motorcycles, RVs, antiques, and commercial cars, with further options available for bundling discounts.

How do I report a claim or get emergency assistance from State Farm?

You can file a claim online, via the State Farm mobile app, or by contacting your agent and claims support 24/7. For emergencies like accidents or breakdowns, State Farm assists with towing and repair arrangements, guiding you through the claims process for quick service.

What discounts or savings programs can I get with State Farm?

State Farm offers a variety of discounts for safe drivers, good students, bundling home and auto policies, insuring multiple vehicles, and participating in programs like Steer Clear® for younger drivers. Eligibility and the amount you save will depend on your situation and province.

What are common customer concerns with State Farm car insurance?

Customers often report frustration with claims handling, such as delays or low payouts, and with premium increases at renewal. However, some appreciate the ease of changing policies and agent support—so reviewing your own needs and service expectations is important.

Do I have to pay in advance for repairs or assistance with State Farm?

If you use a State Farm affiliated or approved repair shop, State Farm typically pays the provider directly after your deductible, so no advance out-of-pocket payment is needed. For other providers, you might need to pay the cost and seek reimbursement, depending on your claim and policy terms.

How do I cancel my car insurance contract with State Farm?

To cancel, contact your local State Farm agent or customer service, provide your policy number and written notice (usually 30 days in advance), and submit a signed cancellation request; you may be asked for proof of alternate coverage if required.

What coverage options does State Farm car insurance offer in Canada?

State Farm provides standard auto insurance coverages, including liability, collision, comprehensive, and uninsured or underinsured motorist protection. You can also insure specialty vehicles like motorcycles, RVs, antiques, and commercial cars, with further options available for bundling discounts.

How do I report a claim or get emergency assistance from State Farm?

You can file a claim online, via the State Farm mobile app, or by contacting your agent and claims support 24/7. For emergencies like accidents or breakdowns, State Farm assists with towing and repair arrangements, guiding you through the claims process for quick service.

What discounts or savings programs can I get with State Farm?

State Farm offers a variety of discounts for safe drivers, good students, bundling home and auto policies, insuring multiple vehicles, and participating in programs like Steer Clear® for younger drivers. Eligibility and the amount you save will depend on your situation and province.

What are common customer concerns with State Farm car insurance?

Customers often report frustration with claims handling, such as delays or low payouts, and with premium increases at renewal. However, some appreciate the ease of changing policies and agent support—so reviewing your own needs and service expectations is important.

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Daniel Clarke
Daniel Clarke
Personal finance expert
HelloSafe
Daniel is a Canadian personal finance expert passionate about making financial literacy more accessible to everyone. He holds a degree in Economics from the University of British Columbia and a Master’s in Financial Planning from York University. Before joining HelloSafe, he worked as a financial coach and content editor for a number of fintech platforms across Canada. At HelloSafe, Daniel writes clear and practical guides on insurance, credit, savings, and budgeting—always with the goal of helping readers make confident and informed money decisions.

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