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State Farm website screenshot

State Farm

State Farm is the largest property and casualty insurance provider in the United States, headquartered in Bloomington, Illinois. Founded in 1922, the company offers a comprehensive range of insurance products including auto, home, renters, life, health, business, and farm/ranch insurance, as well as banking and financial services. State Farm operates through a network of approximately 19,000 agents across the US and Canada. The company has invested heavily in its digital transformation, operating a Partner Gateway developer portal at developer.statefarm.com that exposes APIs enabling partners, agents, and third-party platforms to integrate with State Farm's insurance products and services. State Farm is a mutual company owned by its policyholders, consistently ranked among the Fortune 50.

agent ready

Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.

Kin Score

API Evangelist profiles State Farm the way a machine reads it — 21 machine-readable artifacts across 5 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.

Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — State Farm scores 53.4/100 (developing), with a separate agent-readiness read of 48/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.

Kin Score

This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 53.4/100 · developing
Contract Quality 17.6 / 25
Developer Ergonomics 3.9 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 3.4 / 13
Governance 10.4 / 12
Discoverability 8.0 / 10
Agent readiness — 48/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3

How we profile State Farm

Each block below is one kind of artifact we hold for State Farm. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.

APIs 5

Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.

Individual APIs this provider publishes, each with its own machine-readable definition.

Auto Insurance API

The State Farm Auto Insurance API supports partner integrations for automobile insurance quoting, policy management, and claims inquiry. This API enables auto dealers, telematic...

B2B Insurance Inquiry API

The State Farm B2B Insurance Inquiry API is designed for lenders, mortgage servicers, and financial institutions that need to verify homeowner and auto insurance policy status f...

State Farm Coverage API

Coverage options and details

State Farm Policies API

Renters insurance policy operations

State Farm Quotes API

Renters insurance quote operations

Open Collections 1

Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

GraphQL 1

Where a provider ships GraphQL, the schema is the contract. We profile it alongside the REST surface so the whole interface is legible in one place.

GraphQL schemas published by this provider.

State Farm GraphQL Schema

State Farm is the largest property and casualty insurance provider in the United States, offering auto, home, renters, life, health, business, and farm/ranch insurance through a...

GRAPHQL

Pricing Plans 1

Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.

Published pricing tiers and plan structures.

Rate Limits 1

Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.

Documented rate limits and quota policies.

State Farm Rate Limits

1 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.

Cost, billing, and metering signals for API financial operations.

Semantic Vocabularies 1

JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.

JSON-LD contexts and semantic vocabularies used across these APIs.

State Farm Context

18 classes · 11 properties

JSON-LD

Spectral Rules 2

Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.

State Farm API Rules

5 rules · 3 warnings

SPECTRAL

State Farm API Rules

15 rules · 9 errors · 5 warnings

SPECTRAL

JSON Schema 1

Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.

Standalone JSON Schema definitions for this provider's data models.

Renters Insurance Policy

9 properties

JSON SCHEMA

JSON Structure 1

JSON Structure captures the data shapes in a form built for tooling — a complement to JSON Schema that keeps the model machine-legible.

JSON Structure definitions describing this provider's data shapes.

State Farm Renters Policy Structure

0 properties

JSON STRUCTURE

Examples 1

Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.

Example request and response payloads for these APIs.

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.

Authentication, domain security, vulnerability disclosure, and trust-center signals.

State Farm Authentication

oauth2 · 1 scheme

SECURITY

State Farm Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

State Farm Vulnerability Disclosure

Bugcrowd · security.txt · contact published

SECURITY

Scopes 1

OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.

OAuth scopes governing access to this provider's APIs.

State Farm Scopes

3 scopes · clientCredentials

3 scopes

SCOPES

Agentic Access 1

An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.

Recommended x-agentic-access execution contracts for AI agents.

State Farm Agentic Access

5 operations · 2 acting

5 operations · 2 acting

AGENTIC

Resources

Every other property we hold for State Farm — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.

Get Started 2

Portal, sign-up, and the first successful call

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 4

Pagination, idempotency, versioning, errors, and events

Build 1

SDKs, sample code, and the tooling you integrate with

Operate 1

Status, limits, changes, and where to get help

Commercial 2

Pricing, plans, and the legal terms of use

← All providers · Data indexed from github.com/api-evangelist/state-farm · machine-readable index on apis.io