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State Farm Health Insurance Company Review (2024)

Delve into the multifaceted landscape of State Farm Health Insurance, exploring their diverse coverage options, customer-centric discounts, streamlined claims processes, and cutting-edge digital tools, all aimed at providing individuals and families across the nation with accessible, customizable, and trustworthy healthcare solutions.

UPDATED: Apr 23, 2024Fact Checked

Written by:

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Full Bio →
Written by Laura D. Adams

Insurance & Finance Analyst

Reviewed by:

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Full Bio →
Reviewed by Daniel Walker

Licensed Insurance Agent

UPDATED: Apr 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Apr 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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UPDATED: Apr 23, 2024Fact Checked
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State Farm Health Insurance Company

Average Monthly Rate For Good Drivers

$100

A.M. Best Rating:

A++

Complaint Level:

Low

Pros

  • Extensive range of insurance options
  • Customer-centric approach
  • Innovative solutions
  • Easy sign-up process
  • Strong local agent network

Cons

  • Rates may be higher for certain demographics
  • Limited international coverage options
  • No standalone life insurance policies offered

In this comprehensive exploration, you delve into a versatile array of insurance offerings designed to cater to diverse healthcare needs.

State Farm’s commitment to customer-centric innovation sets them apart, with coverage options ranging from Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans to High Deductible Health Plans (HDHP), dental, and vision insurance.

Their emphasis on a straightforward sign-up process, accessible online tools, and a dedicated network of local agents ensures an accessible and user-friendly experience.

Real customer reviews attest to the company’s strengths, while a competitive analysis reveals their unique selling points. A dependable choice for individuals and families seeking comprehensive coverage and a reputation for excellence.

state farm insurance Insurance Coverage Options

State Farm Health Insurance Company offers a variety of coverage options to meet the diverse needs of individuals and families. Here are the coverage options they provide:

  • Health Insurance: Comprehensive health coverage to safeguard your well-being.
  • Health Maintenance Organization (HMO) Plans: Cost-effective plans focusing on preventive care.
  • Preferred Provider Organization (PPO) Plans: Flexible options for choosing healthcare providers.
  • High Deductible Health Plans (HDHP): Plans with lower premiums and tax benefits.
  • Dental Insurance: Coverage for comprehensive oral health.
  • Vision Insurance: Ensures your eye care needs are met.

These coverage options provide a wide range of choices to address various healthcare needs and preferences. Customers can select the plans that best align with their individual and family health requirements.

Read More: Top Health Insurance Providers

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state farm insurance Insurance Rates Breakdown

Driver ProfileState Farm HealthNational Average
Clean Record$92$119
1+ Ticket$133$147
1+ Accident$175$173
DUI$250$209
Poor Credit$158$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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state farm insurance Discounts Available

DiscountsState Farm Health
Anti Theft8%
Good Student13%
Low Mileage10%
Paperless8%
Safe Driver15%
Senior Driver12%

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State Farm Health Insurance Company offers various discounts to help customers save on their insurance premiums. While specific discounts may vary by location and policy, here are some common discounts they typically offer:

  • Multi-Policy Discount: Save when you bundle your health insurance with other State Farm insurance policies, such as auto or home insurance.
  • Healthy Lifestyle Discount: Earn discounts by participating in wellness programs or meeting certain health and fitness criteria.
  • Good Health Discount: Enjoy reduced rates if you maintain a healthy lifestyle and meet specific health criteria, such as regular check-ups and screenings.
  • Family Plan Discount: Families may be eligible for discounts when they enroll multiple family members in the same health insurance plan.
  • Safe Driver Discount: If you have auto insurance with State Farm and maintain a clean driving record, you may qualify for additional health insurance discounts.
  • Long-Term Policyholder Discount: Customers who have been with State Farm for an extended period may be eligible for loyalty discounts.
  • Payment Discounts: Some discounts may be available for policyholders who choose certain payment methods, such as electronic funds transfer (EFT).
  • Association or Group Discounts: Depending on your affiliation with certain organizations or groups, you may be entitled to exclusive discounts.

Explore the tailored coverage options and potential savings with State Farm Health Insurance, ensuring your healthcare needs are met while enjoying various discounts and personalized solutions.

How state farm insurance Ranks Among Providers

State Farm Health Insurance Company operates in a highly competitive insurance industry, and it faces competition from several prominent insurance providers. The main competitors of State Farm Health Insurance may vary depending on the specific market and region.

However, some of the notable competitors that State Farm Health Insurance typically contends with include:

  • Geico: Geico is known for its auto insurance offerings and competitive rates. It’s a significant player in the insurance industry and often competes with State Farm for customers seeking various types of insurance coverage.
  • Allstate: Allstate offers a wide range of insurance products, including auto, home, and life insurance. They are known for their strong network of agents and comprehensive coverage options.
  • Progressive: Progressive is recognized for its innovative approach to auto insurance and competitive pricing. They are a major competitor in the auto insurance sector and offer various bundled insurance options.
  • Blue Cross Blue Shield: BCBS is a well-established health insurance provider with a strong presence in various states. They are a direct competitor to State Farm Health Insurance, especially in the health insurance market.
  • Aetna: Aetna, now a part of CVS Health, offers a variety of health insurance plans, including employer-sponsored plans and Medicare coverage. They compete with State Farm Health Insurance in the health insurance space. (read our “Aetna Life Insurance Company: Customer Ratings & Reviews” for more information)
  • Unitedhealthcare: Unitedhealthcare is one of the largest health insurers in the United States, providing a wide array of health insurance options. They are a formidable competitor in the health insurance industry.
  • Farmers Insurance: Farmers Insurance, like State Farm, offers a range of insurance products, including auto, home, and life insurance. They often compete for customers seeking bundled insurance solutions.
  • Nationwide: Nationwide is known for its diversified insurance offerings, including auto, home, and specialty insurance. They are a competitor across various insurance sectors.
  • Liberty Mutual: Liberty Mutual offers a broad spectrum of insurance products and has a strong presence in the auto and home insurance markets.
  • Cigna: Cigna is a major player in health insurance and employee benefits. They are a significant competitor to State Farm Health Insurance in the health insurance and benefits sector.

Read more: Aetna Health Inc. (A Pennsylvania Corporation) Review

These are just a few of the key competitors in the insurance industry. State Farm Health Insurance must continuously innovate, provide competitive pricing, and maintain excellent customer service to remain competitive in this crowded market.

The choice of competitors may vary by location, as regional insurance companies can also pose significant competition in specific areas.

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Streamlining State Farm Health Insurance Company Claims Process

Ease of Filing a Claim

State Farm Health Insurance Company provides a user-friendly and versatile claims process, offering multiple channels for filing claims. Policyholders can conveniently submit claims online, over the phone, or via the State Farm mobile app, ensuring accessibility and ease of use.

Average Claim Processing Time

Efficiency is a hallmark of State Farm’s health insurance claims processing. With a commitment to minimizing delays, policyholders can expect their claims to be processed promptly. This focus on quick and efficient claim processing helps individuals and families access the healthcare they need without unnecessary delays.

Customer Feedback on Claim Resolutions and Payouts

State Farm values customer feedback, particularly when it comes to claim resolutions and payouts. Actively seeking input from policyholders, they continuously strive to improve their claims process. Positive customer testimonials highlight the company’s dedication to delivering fair and timely claim settlements, fostering trust and satisfaction.

Navigating State Farm Health Insurance Company’s Digital and Technological Features

Mobile App Features and Functionality

State Farm Health Insurance Company offers a comprehensive mobile app equipped with a wide range of features and functionality.

Compatible with both Android and iOS devices, the app empowers policyholders to file claims, access policy details, and perform various insurance-related tasks with ease. The mobile app ensures that policyholders have convenient access to their health insurance resources anytime, anywhere.

Online Account Management Capabilities

Policyholders benefit from State Farm’s intuitive online platform, which facilitates seamless management of their health insurance accounts.

This platform allows individuals and families to efficiently handle various aspects of their insurance policies, from reviewing coverage to making premium payments. State Farm prioritizes user-friendly online account management to enhance the customer experience.

Digital Tools and Resources

State Farm Health Insurance Company goes the extra mile by providing a suite of digital tools and resources. These resources are designed to empower policyholders with valuable information and interactive tools for informed decision-making.

Whether it’s educational materials or financial planning resources, State Farm offers digital tools that support their customers’ healthcare needs.

Frequently Asked Questions

Is State Farm Health Insurance available nationwide?

Yes, State Farm Health Insurance is available across the United States.

What makes State Farm’s customer service exceptional?

State Farm prioritizes customer satisfaction and has a strong network of local agents for personalized assistance.

Can I customize my insurance coverage with State Farm?

Absolutely, State Farm offers customizable insurance plans to suit your unique needs.

How can I file a claim with State Farm Health Insurance?

You can file a claim through their online portal or contact their customer service for assistance.

Are there any discounts available for State Farm Health Insurance?

State Farm often offers various discounts, so it’s a good idea to inquire about potential savings when getting a quote.

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Written by:

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Full Bio →
Written by Laura D. Adams

Insurance & Finance Analyst

Reviewed by:

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Full Bio →
Reviewed by Daniel Walker

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for State Farm Insurance

4.09 (17,759 reviews)
1
September 13, 2024

JSmithElCajon

Incompetent [REDACTED NAME] [REDACTED NAME] of State Farm

[REDACTED NAME] [REDACTED NAME] of State Farm El Cajon, CA is a flagrantly incompetent insurance agent. I’ve had State Farm car insurance for 15 years and have decided to cancel my insurance with them because of his mismanagement of my account. He overcharged me and then his company sent texts and emails stating my car insurance would be imminently cancelled. When I called to address this [REDACTED NAME] [REDACTED NAME] said this was an erro...
[REDACTED NAME] [REDACTED NAME] of State Farm El Cajon, CA is a flagrantly incompetent insurance agent. I’ve had State Farm car insurance for 15 years and have decided to cancel my insurance with them because of his mismanagement of my account. He overcharged me and then his company sent texts and emails stating my car insurance would be imminently cancelled. When I called to address this [REDACTED NAME] [REDACTED NAME] said this was an error and then charged me a made up number less than the original amount. When I explicitly asked if I owed anything else, I was told I did not. Likely to get me off the phone so he could return to not doing his job. I still continued to receive impending cancellation notices which [REDACTED NAME] [REDACTED NAME] kept apologizing for. Shows how organized that office is. [REDACTED NAME] [REDACTED NAME] then proceeded to overcharge me the original amount on my next bill, I presume thinking I wouldn’t notice. He then insisted that this is the amount I’m supposed to pay. The inconsistency and the lying is inexcusable. I have never spent so much time emailing and calling an insurance company. If [REDACTED NAME] [REDACTED NAME] knew how to do his job like all the other agents I have worked with over years then I would have stayed loyal to State Farm. He should be fired by State Farm.
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1
July 11, 2024

SJF

Loyalty doesn’t pay with Statefarm they could careless

I’ve been with StateFarm for 39 years. It is the ONLY Auto insurance I have ever had. I personally have no tickets and no accidents however 2 other people in my household have had one car totaled and a RV fire. As a result apparently Statefarm looks at it as the whole household. My policy has been randomly canceled. Now there’s some loyalty for ya huh? I did nothing!!!! NOTHING yet because other members in my household had claims MY policy ge...
I’ve been with StateFarm for 39 years. It is the ONLY Auto insurance I have ever had. I personally have no tickets and no accidents however 2 other people in my household have had one car totaled and a RV fire. As a result apparently Statefarm looks at it as the whole household. My policy has been randomly canceled. Now there’s some loyalty for ya huh? I did nothing!!!! NOTHING yet because other members in my household had claims MY policy gets canceled. 39 years wow really? No wonder they got downgraded they have no good business sense. That is just a dumb way to loose revenue not gain. Unbelievable. And Gigi doesn’t care she is insensitive to clients regardless. She said “hey this is how I pay my bills” wow so just cancel people who have done NOTHING WRONG ya that’s fantastic for gaining revenue and building a brokerage. Good Job Gigi!! You should be proud for canceling a 39 year loyal customer who ended up going elsewhere getting the same coverage for cheaper. So glad you have no idea how to maintain revenue and build a solid business. Bravo to ya! Let’s also not forget you brought up a claim my husband had. And I had to remind you he has been dead for 8 years. Yep good job! Your response of trying to point out they are my family members is ridiculous. The bottom line is MY policy was canceled for something others did family or not. I did NOT deserve that kind of treatment after 39 years of loyalty. You as an agent should have done something. I’ve spoken to a couple other agents and it appears you’re just not really sure how to get things done for your clients.
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1
February 5, 2024

Chopper407

Two thumbs down for the claims department.

State Farm appears to be riding high with their NFL player commercials all the while treating their customers with little to no valve. State Farm’s claim department is cheap and unorganized. You’ll get a different answer to the same question every time you talk to a different claim specialist. When it comes to getting your car fixed expect to have to pay for repairs. I have full coverage and had damage done to my car. When I took it to a shop...
State Farm appears to be riding high with their NFL player commercials all the while treating their customers with little to no valve. State Farm’s claim department is cheap and unorganized. You’ll get a different answer to the same question every time you talk to a different claim specialist. When it comes to getting your car fixed expect to have to pay for repairs. I have full coverage and had damage done to my car. When I took it to a shop recommended by the dealer the State Farm adjuster undercut the shops prices left and right leaving me with a $1167.00 bill. Then they give me bs excuses why I’m out of pocket. I can only imagine what they would do if my house was damaged from a Hurricane or wind storm. This has been a terrible experience for my wife and I and will be switching to a different insurance company in the near future.
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5
October 28, 2023

trailrunner87

Excellent Insurance Experience with State Farm

I unfortunately hit a deer and my front end was damaged to a small extent. State Farm made my car repair and rental car process seamless. Since there was no one involved in my accident besides myself, I decided to try their app to log my claim and I had a very easy experience. I didn't have to submit photos since it was a deer that caused it and it gave me next steps clearly and quickly. It gave me a list of collision centers and rental car pla...
I unfortunately hit a deer and my front end was damaged to a small extent. State Farm made my car repair and rental car process seamless. Since there was no one involved in my accident besides myself, I decided to try their app to log my claim and I had a very easy experience. I didn't have to submit photos since it was a deer that caused it and it gave me next steps clearly and quickly. It gave me a list of collision centers and rental car places, let me know what my rental car allowance was since I had recently added that to my policy, and let me know my deductible clearly at the end. I did everything through the app. Within a few hours, someone called me from State Farm to make sure I was okay and to ask if I needed any clarification or help navigating the app. She was caring and easy to talk to. I also love my agent, Bob Garrigan, and his whole team. They have always been there to discuss things with, to make good decisions with, and to support whatever I choose to do. I have never felt taken advantage of. I had two other accident claims with them a few years ago. Both went smoothly as well - both times, men rear-ended me. The first gentleman lied about it to avoid a policy issue on his end and my agent stayed the course and continued to patiently work with his insurance company until they took ownership of his actions and paid the claim. The second time I was rear-ended, the young man didn't contest his part in it, but the collision center was difficult to work with and State Farm had to call them out for their poor performance and work on my behalf. This is how an insurance company should treat their customer. I plan to stay with State Farm for as long as they give five star service.
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1
October 19, 2023

Ann_Smith

To "Insure" a downfall

State Farm, as with many insurance companies care about only 1 thing. Money. I think the best way to understand it is just to watch the Incredibles, and that scene with Bob at his job. Does it matter who is at fault? No. Does it matter what the circumstances were? No. Does it matter if anybody is being unethical? No. What matters is the cold, hard cash. You can pay thousands of dollars, have a fender bender with barely a scratch and OOOP, they ha...
State Farm, as with many insurance companies care about only 1 thing. Money. I think the best way to understand it is just to watch the Incredibles, and that scene with Bob at his job. Does it matter who is at fault? No. Does it matter what the circumstances were? No. Does it matter if anybody is being unethical? No. What matters is the cold, hard cash. You can pay thousands of dollars, have a fender bender with barely a scratch and OOOP, they had to pay money to fix it? Strike one. Soon enough, you are out with yesterday's garbage. Heaven forbid you have a child learning how to drive and something goes wrong. I can promise you it will haunt them for years to come. They say they only look at the past three years. That would be a lie. They say they have your back, and that would be a lie. Any possibility they have to pay anything, even if only partial fault, they can, and will, throw the sack at ya. With that said, it does have some lovely agents. I could rave about how awesome they are. Heck, an agent thought it would be ridiculous to sack somebody over what happened to me, but, you know, he appealed and the company still said "Whaaat, we must pay money even though the person has barely had issues? No way!" Amazing how they can hire good ethical employees, but can't be a good ethical business. You can spend way more in premiums than they have ever had to pay for anything, but who cares? They don't want to to ever have to do their job. Insurance is required by law. But what is the point of having insurance when at the snap of the fingers they can dig up something that happened when you were learning how to drive and compare it to a small fender bender in the future and say "We don't want that!" What is to feel safe about? The motto "we got your back... as long as you are the only one who has to pay us anything. Ever." Should be their slogan. You can't learn from mistakes, even if you never make them again, you can't have complications with a new license without it haunting your future. You can't be human, and sometimes make human error. Insurance is there to ensure you will be ok. The only thing state farm ensures is their path to your wallet, and a way to ditch if any of YOUR money ever has to come back to you because things happen.
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1
September 16, 2023

romomy

Ridiculous Rate Increases

They just raised my rate by $100.00 which was bad enough but they raised my mother's $400.00. She's on a fixed income and her rate was already ridiculously high. She has a good driving record and has been with SF for decades. When we made a move to the West coast, they doubled what she was paying back home (from a little over $600.00 per yr to $1200 every six months) and now to raise it another $400.00 after six months is adding insult to inju...
They just raised my rate by $100.00 which was bad enough but they raised my mother's $400.00. She's on a fixed income and her rate was already ridiculously high. She has a good driving record and has been with SF for decades. When we made a move to the West coast, they doubled what she was paying back home (from a little over $600.00 per yr to $1200 every six months) and now to raise it another $400.00 after six months is adding insult to injury. She worked her entire life and always paid her bill on time. No accidents, tickets, etc. No way she can afford $1600.00 every six months. That's if they don't raise it again in 6 months. It is appalling that they treat decades long customers this way. She's supposed to be enjoying retirement but how is she supposed to do that when she can't drive? If you think being with SF forever will help you in your twilight years forget it. They don't care about longterm business. Obviously, they raised her rate so much because they know she can't pay that much and they get to drop her without being called out for age discrimination. Changing companies ASAP.
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4
July 22, 2023

Jen Anders

State Farm Insurance review

The State Farm Drive Safe & Save app is below average. Doesn\'t record every trip as it should. Requires my cellphone to have everything on (Location, Storage, Bluetooth, Physical Location, Phone, etc.), but lowers your trip score if the phone moves, jostles, or slides at all while you drive, A pain in the neck to deal with it every time. Also, it recorded a trip I did not make in my vehicle, but that my spouse drove us in his vehicle. So far af...
The State Farm Drive Safe & Save app is below average. Doesn\'t record every trip as it should. Requires my cellphone to have everything on (Location, Storage, Bluetooth, Physical Location, Phone, etc.), but lowers your trip score if the phone moves, jostles, or slides at all while you drive, A pain in the neck to deal with it every time. Also, it recorded a trip I did not make in my vehicle, but that my spouse drove us in his vehicle. So far after1 month its only an $11.10 discount for 6 months, but we will see. I would not recommend this app. Allstatea was much more user friendly and less \"Big Brother.\"
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5
May 3, 2023

LHN

Personal article policy

[REDACTED NAME] was very helpful with my personal articles policy. I made my payment for 2023 to my auto policy. She was very helpful to ensure payment when to the correct department.
1
March 17, 2023

Love2sing_

Customer Concerns or Customer Loyalty Mean Nothing

After almost 20 years of being a State Farm customer, I will be moving on to another insurance carrier. I took my car to be repaired at a State Farm preferred body shop after a collision with a deer. Traumatizing! The repair shop didn’t submit all the needed repairs to State Farm in an effort to cut corners and still do the work just barely under the threshold of my vehicle being totaled. When I went to pick up my car, the engine light was on, ...
After almost 20 years of being a State Farm customer, I will be moving on to another insurance carrier. I took my car to be repaired at a State Farm preferred body shop after a collision with a deer. Traumatizing! The repair shop didn’t submit all the needed repairs to State Farm in an effort to cut corners and still do the work just barely under the threshold of my vehicle being totaled. When I went to pick up my car, the engine light was on, my instrument panel wasn’t working, and my sunroof liner was still sagging inside the vehicle. The repair shop relayed to State Farm that such issues were “pre-existing” issues. This claim was totally untrue. I ended up taking my vehicle to the dealership to fix the electrical issues that did not exist prior to the accident. It was determined at the dealership that those issues were a result of unsavory work performed at the body shop. The final issue was the sunroof liner. The body shop still insisted it was a pre-existing condition. I contacted State Farm directly with my concern. They told me unless I had a photo of the liner intact before the accident, they would stand by the report of the body shop because the shop is on their preferred list. How absurd! My only request was that they send a State Farm representative to look at the sunroof. They would not comply, and I was told that if I need to change insurance companies, they would understand. As a result, I am now financially responsible for this outstanding repair to my vehicle. So, no I would not recommend State Farm as an insurance carrier. They were NOT “like a good neighbor.” They were NOT “there” for me as a customer. If you do select them, make sure you take a picture of your vehicle intact right before you anticipate an accident. Absurd!
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1
March 2, 2023

Amb13

Rather have no insurance

If there is ever a possibility that you may be in an accident, even if you didn't cause it and tried to avoid it.....DONT go to state farm. When your in an accident they don't want to help. They argue about paying you and when they do, it I'd never on time. They keep upping their prices. I wouldn't tell my worst enemy to get insurance through here and have had multiple people go somewhere else. TERRIBLE COMPANY!
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<h3>State Farm Health Insurance Company Monthly Auto Insurance Rates</h3>
<h3>State Farm Health Insurance Company Monthly Auto Insurance Rates</h3>