State Farm Renters Insurance Review

Renters coverage sold through State Farm's local agents, with multi-line savings when you add it to State Farm auto.

By Michael Hewitt, Founder & Editor-in-Chief.

Our verdict

For renters who want a local agent and a low bill, State Farm sells in all 50 states through 19,000+ agents, and prices are set by quote. Bundling with auto can save up to $900 a year, per State Farm's survey. The trade-off is a less polished digital experience than InsurTech rivals and coarser customization, which is what keeps it from the top.

Skip it if you want a polished all-digital experience, or if you need fine-grained control over coverage options.

About State Farm Renters Insurance

Renters coverage sold through State Farm's local agents, with multi-line savings when you add it to State Farm auto. State Farm Renters Insurance is offered by State Farm. Our editorial rating is 4.7 out of 5.

Best for: Renters who want bundling savings with auto and a local agent.

Editorial grade: A (composite score 91/100).

Highlights

Prices vary by quote; State Farm publishes no starting price
Available in all 50 states with 19,000+ local agents
Adding renters to a State Farm auto policy can save up to 17%

What we like

Inflation coverage automatically raises your coverage limit
Bundle with auto to save up to $900 a year (State Farm survey)
In-person, phone, online, and app access available

Where it falls short

Digital experience less polished than InsurTech competitors
Customization options less granular than some rivals

Fees, minimums, and rates

Monthly fee: Varies by quote. Minimum to open: N/A. Rates and promotional offers change often, so check the provider's own page before you apply.

How we reviewed it

This is a desk review: we have not opened an account with State Farm. It is built from State Farm's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Renters Insurance shortlist. The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.