State Farm Auto Insurance vs. New York Life Term & Whole Life
Side-by-side comparison · Updated 2026 · Independently reviewed
State Farm Auto Insurance
State Farm
4.4
Avg $1,789/yr. #1 J.D. Power claims satisfaction. 19,000+ local agents.
Full review →New York Life Term & Whole Life
New York Life
4.5
170+ year track record. Annual dividends since 1854. Best for whole life policies.
Full review →WealthSpott Verdict
State Farm Auto Insurance and New York Life Term & Whole Life are closely matched. Get quotes from both — insurance premiums vary significantly by location, coverage level, and personal risk factors.
Feature
State Farm Auto
New York Life
WealthSpott Rating
4.4 / 5
4.5 / 5 Best
Coverage Type
Auto Insurance
Life Insurance
Avg Annual Premium
~$1,789/yr Best
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AM Best Rating
—
—
J.D. Power Score
—
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Mobile App Rating
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State Farm Auto Insurance
Pros
- #1 J.D. Power claims satisfaction
- #1 J.D. Power claims satisfaction
- 19,000+ local agents for in-person support
- 19,000+ local agents for in-person support
- ~17% bundling discount with home
- ~17% bundling discount with home
Cons
- Higher average rates than GEICO
- Higher average rates than GEICO
- Fewer digital self-service tools
- Fewer digital self-service tools
New York Life Term & Whole Life
Pros
- 170+ year track record
- 170+ year track record
- Dividends paid every year since 1854
- Dividends paid every year since 1854
- Best for permanent whole life coverage
- Best for permanent whole life coverage
Cons
- Higher premiums than term-only options
- Higher premiums than term-only options
- Application process can be lengthy
- Application process can be lengthy
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