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.

State Farm publishes 7 API contracts indexed on the APIs.io network, including Coverage API, Policies API, Quotes API, and 4 more. Tagged areas include Insurance, Mortgage, Auto Insurance, Vehicles, and Embedded Insurance.

The State Farm catalog on APIs.io includes 1 JSON-LD context and 2 Spectral governance rulesets.

State Farm’s developer surface includes authentication, GitHub presence, FAQ, and 22 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

40.2/100 developing ▬ flat Agent 28/100 agent aware Front door AI 1/6 silent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessEnterpriseSelf serve

1 published contract

Insurance Mortgage Auto Insurance Vehicles Embedded Insurance B2B Property and Casualty

What this lets a business do 3

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Policy Administration Management

BC-2140

Policies

POST /renters/policies GET /renters/policies/{policyNumber}

Insurance Distribution Management

BC-2110

Quotes

POST /renters/quotes

Insurance Product Management

BC-2100

Coverage

GET /renters/coverage-options

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 40.2/100 · developing

Contract Quality 10.9 / 19

Developer Ergonomics 3.9 / 15

Access Clarity 3.9 / 15

Operational Transparency 2.1 / 10

Contract Governance 2.5 / 9

Discoverability 4.6 / 8

Regulatory Posture 6.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 28/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Developer Ergonomics scores 26.2 — up to +14.8 composite points
Access Clarity scores 26.3 — up to +14.7 composite points
Contract Quality scores 58.1 — up to +10.5 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/state-farm/apis.yml: open an issue on github.com/api-evangelist/state-farm to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	covered	17.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 7

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

Homeowners Insurance API

The State Farm Homeowners Insurance API enables mortgage lenders, real estate platforms, and partner networks to offer homeowners insurance quoting and policy integration. Suppo...

B2B Lender Services API

The State Farm B2B Lender Services API provides mortgage lenders and auto lenders with programmatic access to verify insurance coverage for collateral assets financed by their b...

Scroll for all 7

Open Collections 4

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

State Farm Renters Insurance Coverage API

OPEN COLLECTION

State Farm Renters Insurance Coverage Policies API

OPEN COLLECTION

State Farm Renters Insurance Coverage Quotes API

OPEN COLLECTION

State Farm Renters Insurance API

OPEN COLLECTION

State Farm API pricing

Not yet checked against State Farm's own pricing page. Compiled by API Evangelist on 2026-05-05 from www.statefarm.com/; confirm before you rely on a figure.

Plan	Price
Contact Sales enterprise	—

Plan details, limits and sources →

Rate limits

Partner-Negotiated Limits: set per partner agreement; not publicly documented varies

Compiled by API Evangelist, not yet checked against State Farm's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

State Farm Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

State Farm Rate Limits

1 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

State Farm

SLA

FinOps 1

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

State Farm Finops

FINOPS

Semantic Vocabularies 1

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

State Farm Context

18 classes · 11 properties

JSON-LD

Spectral Rules 2

Spectral governance rulesets for linting and validating these APIs.

State Farm — jsonschema rules

5 rules · 3 warnings 2 info

SPECTRAL

State Farm API Rules

15 rules · 9 errors 5 warnings 1 info

SPECTRAL

JSON Schema 1

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

Renters Insurance Policy

9 properties

JSON SCHEMA

JSON Structure 1

JSON Structure definitions describing this provider's data shapes.

State Farm Renters Policy Structure

0 properties

JSON STRUCTURE

Examples 1

Example request and response payloads for these APIs.

State Farm Create Renters Quote Example

2 fields

EXAMPLE

Security Posture 3

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 governing access to this provider's APIs.

State Farm Scopes

3 scopes · clientCredentials

3 scopes

SCOPES

Agentic Access 1

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

State Farm Agentic Access

5 operations · 2 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

B2B Portal

B2B Portal

Documentation 2

Reference material describing how the API behaves

OpenAPI

OpenAPI

JSONSchema

JSONSchema

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Design & Contract 4

Pagination, idempotency, versioning, errors, and events

JSONStructure

JSONLD

Vocabulary

SpectralRules

Build 1

SDKs, sample code, and the tooling you integrate with

GitHub

GitHub

Access & Security 4

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 2

Status, limits, changes, and where to get help

RateLimits

RateLimits

FAQ

FAQ

Commercial 4

Pricing, plans, and the legal terms of use

Plans

FinOps

PrivacyPolicy

TermsOfService

Company 4

The organization behind the API

Website

Website

Engineering Blog

Engineering Blog

LinkedIn

Twitter

Twitter

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: state-farm
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
specificationVersion: '0.23'
accessModel:
  pricing: enterprise
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Enterprise · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/state-farm.png
url: https://raw.githubusercontent.com/api-evangelist/state-farm/refs/heads/main/apis.yml
modified: '2026-09-16'
name: State Farm
description: 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.
apis:
- aid: state-farm:auto-insurance-api
  name: Auto Insurance API
  description: The State Farm Auto Insurance API supports partner integrations for automobile insurance quoting, policy management,
    and claims inquiry. This API enables auto dealers, telematics platforms, and financial institutions to embed State Farm
    auto insurance products within their own applications. State Farm is the largest auto insurer in the US. The API supports
    retrieving quotes, checking policy status, and accessing coverage information.
  humanURL: https://developer.statefarm.com/
  baseURL: https://api.statefarm.com/v1
  tags:
  - Insurance
  - Auto Insurance
  - Vehicles
  - Partners
  - Embedded Insurance
  tags_raw:
  - Insurance
  - Auto Insurance
  - Vehicles
  - Partner
  - Embedded Insurance
  properties:
  - type: Documentation
    url: https://developer.statefarm.com/
- aid: state-farm:b2b-insurance-inquiry-api
  name: B2B Insurance Inquiry API
  description: 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 for collateral protection purposes. This API supports home
    and auto lenders in verifying that borrowers maintain the required insurance coverage on financed assets. Accessible through
    the State Farm B2B portal.
  humanURL: https://b2b.statefarm.com/b2b-content/home-auto-lenders/ins-inquiry
  baseURL: https://b2b.statefarm.com/api/v1
  tags:
  - Insurance
  - B2B
  - Lenders
  - Mortgage
  - Verification
  properties:
  - type: Documentation
    url: https://b2b.statefarm.com/b2b-content/home-auto-lenders/ins-inquiry
- aid: state-farm:state-farm-coverage-api
  name: State Farm Coverage API
  description: Coverage options and details
  humanURL: https://developer.statefarm.com/api/renters
  baseURL: https://api.statefarm.com/v1
  tags:
  - Coverage
  properties:
  - type: OpenAPI
    url: openapi/state-farm-coverage-api-openapi.yml
  - type: Documentation
    url: https://developer.statefarm.com/api/renters
- aid: state-farm:state-farm-policies-api
  name: State Farm Policies API
  description: Renters insurance policy operations
  humanURL: https://developer.statefarm.com/api/renters
  baseURL: https://api.statefarm.com/v1
  tags:
  - Policies
  properties:
  - type: OpenAPI
    url: openapi/state-farm-policies-api-openapi.yml
  - type: Documentation
    url: https://developer.statefarm.com/api/renters
- aid: state-farm:state-farm-quotes-api
  name: State Farm Quotes API
  description: Renters insurance quote operations
  humanURL: https://developer.statefarm.com/api/renters
  baseURL: https://api.statefarm.com/v1
  tags:
  - Quotes
  properties:
  - type: OpenAPI
    url: openapi/state-farm-quotes-api-openapi.yml
  - type: Documentation
    url: https://developer.statefarm.com/api/renters
- aid: state-farm:homeowners-insurance-api
  name: Homeowners Insurance API
  description: The State Farm Homeowners Insurance API enables mortgage lenders, real estate platforms, and partner networks
    to offer homeowners insurance quoting and policy integration. Supports closing day insurance coordination, escrow verification,
    and coverage inquiry for lenders requiring collateral protection evidence. State Farm is one of the largest homeowners
    insurance providers in the US.
  humanURL: https://developer.statefarm.com/
  baseURL: https://api.statefarm.com/v1
  tags:
  - Insurance
  - Home Insurance
  - Mortgage
  - Real Estate
  - Partners
  tags_raw:
  - Insurance
  - Homeowners Insurance
  - Mortgage
  - Real Estate
  - Partner
  - Real-Estate
  properties:
  - type: Documentation
    url: https://developer.statefarm.com/
- aid: state-farm:b2b-lender-services-api
  name: B2B Lender Services API
  description: The State Farm B2B Lender Services API provides mortgage lenders and auto lenders with programmatic access
    to verify insurance coverage for collateral assets financed by their borrowers. Lenders can confirm active homeowners,
    auto, or property insurance policies written by any State Farm Insurance Companies subsidiary. This supports lender compliance,
    reduces force-placed insurance, and streamlines closing workflows.
  humanURL: https://b2b.statefarm.com/b2b-content/home-auto-lenders/ins-inquiry
  baseURL: https://b2b.statefarm.com/api/v1
  tags:
  - Insurance
  - B2B
  - Lenders
  - Mortgage
  - Verification
  properties:
  - type: Documentation
    url: https://b2b.statefarm.com/b2b-content/home-auto-lenders/ins-inquiry
common:
- type: Plans
  url: plans/state-farm-plans-pricing.yml
- type: RateLimits
  url: rate-limits/state-farm-rate-limits.yml
- type: FinOps
  url: finops/state-farm-finops.yml
- type: CapabilityMap
  url: capabilities/state-farm-capability-edges.yml
  name: State Farm Business Capability Map
- type: AgenticAccess
  url: agentic-access/state-farm-agentic-access.yml
- type: VulnerabilityDisclosure
  url: security/state-farm-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/state-farm-domain-security.yml
- type: Authentication
  url: authentication/state-farm-authentication.yml
- type: OAuthScopes
  url: scopes/state-farm-scopes.yml
- type: Website
  url: https://www.statefarm.com
- type: DeveloperPortal
  url: https://developer.statefarm.com
- type: GitHub
  url: https://github.com/StateFarmIns
- type: Engineering Blog
  url: https://engineering.statefarm.com/blog
- type: B2B Portal
  url: https://b2b.statefarm.com
- type: LinkedIn
  url: https://www.linkedin.com/company/state-farm
- type: Twitter
  url: https://twitter.com/StateFarm
- type: PrivacyPolicy
  url: https://www.statefarm.com/customer-care/privacy-security/privacy/privacy-policy
- type: TermsOfService
  url: https://www.statefarm.com/customer-care/legal-disclaimer
- type: FAQ
  url: https://developer.statefarm.com/faq
- type: OpenAPI
  url: openapi/_original/state-farm-renters-insurance-openapi.yml
- type: JSONSchema
  url: json-schema/state-farm-renters-policy-schema.json
- type: JSONStructure
  url: json-structure/state-farm-renters-policy-structure.json
- type: JSONLD
  url: json-ld/state-farm-context.jsonld
- type: Vocabulary
  url: vocabulary/state-farm-vocabulary.yml
- type: SpectralRules
  url: rules/state-farm-rules.yml
tags:
- Insurance
- Mortgage
- Auto Insurance
- Vehicles
- Embedded Insurance
- B2B
- Property and Casualty

State Farm API — frequently asked questions

Does State Farm have an API?

Yes. APIs.io lists 7 APIs from State Farm, including Auto Insurance API, B2B Insurance Inquiry API and State Farm Coverage API, and 4 more.

Is there an OpenAPI specification for the State Farm API?

Yes. APIs.io indexes 3 OpenAPI specifications for State Farm, each linked for download from this page.

How do I authenticate with the State Farm API?

State Farm documents its authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as State Farm Authentication.

How much does the State Farm API cost?

APIs.io lists 1 pricing plan for State Farm, with each plan's price, limits and inclusions under Pricing on this page.

Is the State Farm API ready for AI agents?

State Farm has a Kin Score of 40.2 out of 100 (developing) and an Agent Readiness score of 28.1 (agent-aware), scored by API Evangelist on 2026-11-06.

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