Comparing State Farm auto and looking at alternatives? Here’s how RMO MyAuto stacks up against State Farm’s agent-network model — with realistic notes on the quote process.
How RMO and State Farm compare on coverage approach, channels, and member benefits.
| Feature | RMO MyAuto | State Farm |
|---|---|---|
| Plan Tiers | MyAuto Basic, Plus, Premier, Elite | Custom builds; agent-tailored to driver |
| State-Required Liability | Yes — included in all tiers | Yes |
| Comprehensive & Collision | Optional in Plus; included from Premier | Optional add-on |
| Channel | Direct through RMO membership | Nationwide agent network — one-on-one relationship |
| Quoting | Online quote through member portal | Online or via your State Farm agent |
| Telematics Discount | Discount opportunities at MyAuto Plus and up — varies by state | Drive Safe & Save™ — widely available behavior-based program |
| New-Driver Discount Programs | May qualify based on standard rating | Steer Clear® for drivers under 25 with safe-driving training |
| Multi-Policy Bundle | RMO bundles MyAuto with MyProperty, electronics, roadside, banking, more | Yes — State Farm bundles auto with home/renters/condo/life |
| Roadside Assistance | Available as RMO MyRoadside add-on | State Farm Emergency Road Service add-on |
| Mobile App / Digital Tools | Member portal & app for policy & claims | State Farm app |
| Niche Vehicle Coverage | Personal vehicles — check current eligibility | Classic car, motorcycle, boat, RV available |
| State Availability | Varies — check current availability | Nearly every US state |
| Membership Required | Yes — RMO membership | No membership needed |
Coverage details summarized for comparison. Specific covered perils, limits, exclusions, deductibles, available endorsements, and pricing vary by state and individual quote.
Coverage limits and bundled options scale up across MyAuto tiers. Membership level required is shown for each plan.
Requires MyMembership I
Requires MyMembership I
Requires MyMembership II
Requires MyMembership III
Prices reflect current monthly rate cards and do not include the cost of RMO membership. Final premium depends on your state, vehicle, driving record, coverage limits, deductible, and other factors.
Both providers cover real ground. Here’s where each tends to win.
Join RMO to access MyAuto plus dozens of other member benefits.
Pick a MyAuto tier and request a quote based on your vehicles, drivers, coverage limits, and deductible.
Once your MyAuto policy is bound with an effective date, contact your State Farm agent to cancel for that date. They typically issue a prorated refund.
It depends entirely on your state, vehicle, driving record, and coverage selections. The only way to know is to get a real MyAuto quote with the same coverage as your current State Farm policy and compare the actual numbers.
RMO offers digital policy access and a member-services team rather than the State Farm agent model. RMO Retail Centers provide in-person service for membership and broader product needs, but State Farm’s nationwide agent network is more extensive for auto insurance specifically.
State Farm Drive Safe & Save is a telematics program where safe driving may earn discounts. RMO MyAuto Plus and higher mention discount opportunities, which may include telematics depending on your state. Confirm specifics during the quote process.
State Farm Steer Clear targets drivers under 25 who complete safe-driving training. RMO doesn’t currently offer a directly equivalent program — if you have a young driver and Steer Clear has been valuable for you, factor that into the comparison.
Yes — RMO members can bundle MyAuto with MyProperty for renters or homeowners coverage. Bundling discounts may be available depending on your state and product mix.
Get a MyAuto quote, bind the new policy with an effective date, then contact your State Farm agent to cancel for that date. We recommend overlapping coverage by one day so you’re never uninsured. State Farm typically issues a prorated refund.
Join RMO and access MyAuto along with the rest of your member benefits.
