mutual insurance group

State Farm

A large mutual insurance group selling auto, home, life, and related insurance through a national agent network. State Farm scores above public insurers on ownership because the mutual form matters, but its scale, underwriting data, and limited ordinary-policyholder governance keep it below stronger mutual and cooperative insurers.

Why this matters: Insurance comparisons should distinguish mutual ownership from public-insurer shareholder control, without pretending all mutuals are democratic cooperatives.

Letter grade D Extractive Medium confidence (AI) Rubric gcd-rubric-v1 Last reviewed May 11, 2026

Final Score 19* D - Extractive

DEXTRACTIVE19 pts

* Tentative scaffolding score. Not human-checked or final.

Base Material28

Bonus+1

Cap66No structure cap

After Cap29

Penalties-10

Private Government badge

State Farm receives the Private Government badge because it combines large-scale private rule-setting over customers, workers, users, members, or counterparties with OpenLobby-documented lobbying of about $883K on public policy issues.

Evidence: [9]

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Evaluation Overview

D - Extractive

The score turns mainly on Ownership, with the largest penalty coming from Policy Capture.

Strengths

Ownership5/10
Extraction4/10
Governance3/10

Penalties

Policy Capture-5
Accountability Opacity-2
Surveillance Capture-2
Ideological Disavowal-1

Evidence state

ConfidenceMedium confidence (AI)
ThoroughnessDeveloped (AI)
Linked claims9
Direct axis claims8
Coverage8/14

Scoring Axes

Axis	Score	Why this score
Ownership ? Control rights: shareholder-dominated at 0, worker cooperative control at 10.	5 / 10	State Farm's core auto insurer is organized as a mutual company, giving it a stronger ownership structure than shareholder-owned insurers, though practical policyholder governance remains limited. State Farm's core auto insurer is organized as a mutual company, giving it a stronger ownership structure than shareholder-owned insurers, though practical policyholder governance remains limited. That places State Farm in the middle of Ownership: there is some mission, member, producer, or public-interest constraint, but decisive control is not fully democratic. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis. Linked evidence context State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. [1] State Farm's core auto insurer is organized as a mutual company, giving it a stronger ownership structure than shareholder-owned insurers, though practical policyholder governance remains limited. [2] context State Farm privacy notices describe collecting application data plus information from public records, consumer reporting agencies, doctors, hospitals, insurance-support organizations, and others for underwriting, rating, claims, fraud, and related insurance purposes. [3] context State Farm provides broad ordinary insurance utility, but underwriting, rating, and claims power remain asymmetric for customers even under mutual ownership. [4] context State Farm discloses insurance-data practices, but ordinary customers still face opaque rating, underwriting, claim, and data-sharing systems that are hard to evaluate comparatively. [5]
Governance ? Binding decision authority: centralized control at 0, democratic stakeholder control at 10.	3 / 10	State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. That keeps State Farm low on Governance: ordinary users, workers, customers, or affected communities cannot change the rules that govern them. The value is above zero only where the linked record still shows some real function, constraint, or public value on this axis. Linked evidence context State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. [1] context State Farm's core auto insurer is organized as a mutual company, giving it a stronger ownership structure than shareholder-owned insurers, though practical policyholder governance remains limited. [2] context State Farm privacy notices describe collecting application data plus information from public records, consumer reporting agencies, doctors, hospitals, insurance-support organizations, and others for underwriting, rating, claims, fraud, and related insurance purposes. [3] context State Farm provides broad ordinary insurance utility, but underwriting, rating, and claims power remain asymmetric for customers even under mutual ownership. [4] context State Farm discloses insurance-data practices, but ordinary customers still face opaque rating, underwriting, claim, and data-sharing systems that are hard to evaluate comparatively. [5]
Extraction ? Surplus allocation, wage share, CEO pay ratio, margins, and structured extraction judgment.	4 / 10	State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. That places State Farm in the middle of Extraction: the institution creates real value but still leaves room for rent extraction, unequal bargaining, or surplus capture. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis. Linked evidence context State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. [1] context State Farm's core auto insurer is organized as a mutual company, giving it a stronger ownership structure than shareholder-owned insurers, though practical policyholder governance remains limited. [2] context State Farm privacy notices describe collecting application data plus information from public records, consumer reporting agencies, doctors, hospitals, insurance-support organizations, and others for underwriting, rating, claims, fraud, and related insurance purposes. [3] context State Farm provides broad ordinary insurance utility, but underwriting, rating, and claims power remain asymmetric for customers even under mutual ownership. [4] context State Farm discloses insurance-data practices, but ordinary customers still face opaque rating, underwriting, claim, and data-sharing systems that are hard to evaluate comparatively. [5]
Labor Sovereignty ? Worker power: coercive conditions at 0, co-determination or ownership at 7. Employee dissatisfaction matters only when source-backed evidence shows concrete limits on worker agency, such as coercive scheduling, retaliation, wage theft, harassment, unsafe conditions, suppression of worker voice, or extreme turnover.	2 / 7	State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. That keeps State Farm low on Labor Sovereignty: labor remains managerially controlled, replaceable, or exposed to coercive employment and contracting conditions. The value is above zero only where the linked record still shows some real function, constraint, or public value on this axis. Linked evidence context State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. [1] context State Farm's core auto insurer is organized as a mutual company, giving it a stronger ownership structure than shareholder-owned insurers, though practical policyholder governance remains limited. [2] context State Farm privacy notices describe collecting application data plus information from public records, consumer reporting agencies, doctors, hospitals, insurance-support organizations, and others for underwriting, rating, claims, fraud, and related insurance purposes. [3] context State Farm provides broad ordinary insurance utility, but underwriting, rating, and claims power remain asymmetric for customers even under mutual ownership. [4] context State Farm discloses insurance-data practices, but ordinary customers still face opaque rating, underwriting, claim, and data-sharing systems that are hard to evaluate comparatively. [5]
Solidarity with the Unemployed ? Treatment of exits and nonworkers, including severance, redeployment, and non-competes.	2 / 7	State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. That keeps State Farm low on Solidarity with the Unemployed: the model provides little protection for people who leave, are excluded, or cannot bargain from employment. The value is above zero only where the linked record still shows some real function, constraint, or public value on this axis. Linked evidence context State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. [1] context State Farm's core auto insurer is organized as a mutual company, giving it a stronger ownership structure than shareholder-owned insurers, though practical policyholder governance remains limited. [2] context State Farm privacy notices describe collecting application data plus information from public records, consumer reporting agencies, doctors, hospitals, insurance-support organizations, and others for underwriting, rating, claims, fraud, and related insurance purposes. [3] context State Farm provides broad ordinary insurance utility, but underwriting, rating, and claims power remain asymmetric for customers even under mutual ownership. [4] context State Farm discloses insurance-data practices, but ordinary customers still face opaque rating, underwriting, claim, and data-sharing systems that are hard to evaluate comparatively. [5]
Loss-Bearing Fidelity ? Willingness to absorb costs to preserve values, workers, users, and public obligations.	3 / 7	State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. That places State Farm in the middle of Loss-Bearing Fidelity: there is some willingness to preserve obligations, but the record still leaves meaningful risk-shifting concerns. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis. Linked evidence context State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. [1] context State Farm's core auto insurer is organized as a mutual company, giving it a stronger ownership structure than shareholder-owned insurers, though practical policyholder governance remains limited. [2] context State Farm privacy notices describe collecting application data plus information from public records, consumer reporting agencies, doctors, hospitals, insurance-support organizations, and others for underwriting, rating, claims, fraud, and related insurance purposes. [3] context State Farm provides broad ordinary insurance utility, but underwriting, rating, and claims power remain asymmetric for customers even under mutual ownership. [4] context State Farm discloses insurance-data practices, but ordinary customers still face opaque rating, underwriting, claim, and data-sharing systems that are hard to evaluate comparatively. [5]
Market Conduct ? Pricing fairness, switching costs, lock-in, and rent extraction.	3 / 5	State Farm provides broad ordinary insurance utility, but underwriting, rating, and claims power remain asymmetric for customers even under mutual ownership. State Farm provides broad ordinary insurance utility, but underwriting, rating, and claims power remain asymmetric for customers even under mutual ownership. That places State Farm in the middle of Market Conduct: the product has real value but still uses meaningful lock-in, gatekeeping, market power, or dependency. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis. Linked evidence context State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. [1] context State Farm's core auto insurer is organized as a mutual company, giving it a stronger ownership structure than shareholder-owned insurers, though practical policyholder governance remains limited. [2] context State Farm privacy notices describe collecting application data plus information from public records, consumer reporting agencies, doctors, hospitals, insurance-support organizations, and others for underwriting, rating, claims, fraud, and related insurance purposes. [3] State Farm provides broad ordinary insurance utility, but underwriting, rating, and claims power remain asymmetric for customers even under mutual ownership. [4] context State Farm discloses insurance-data practices, but ordinary customers still face opaque rating, underwriting, claim, and data-sharing systems that are hard to evaluate comparatively. [5]
Product Integrity ? Preservation of quality rather than degradation for monetization.	3 / 5	State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. That places State Farm in the middle of Product Integrity: the product has real use value but is compromised by incentives, monetization, lock-in, quality degradation, or risk. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis. Linked evidence State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. [1] context State Farm's core auto insurer is organized as a mutual company, giving it a stronger ownership structure than shareholder-owned insurers, though practical policyholder governance remains limited. [2] context State Farm privacy notices describe collecting application data plus information from public records, consumer reporting agencies, doctors, hospitals, insurance-support organizations, and others for underwriting, rating, claims, fraud, and related insurance purposes. [3] context State Farm provides broad ordinary insurance utility, but underwriting, rating, and claims power remain asymmetric for customers even under mutual ownership. [4] context State Farm discloses insurance-data practices, but ordinary customers still face opaque rating, underwriting, claim, and data-sharing systems that are hard to evaluate comparatively. [5]
Scale Integrity ? Whether growth improves or degrades fairness and accountability.	3 / 5	State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. That places State Farm in the middle of Scale Integrity: scale brings useful reach but also weakens accountability, transparency, or local constraint. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis. Linked evidence context State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network. [1] context State Farm's core auto insurer is organized as a mutual company, giving it a stronger ownership structure than shareholder-owned insurers, though practical policyholder governance remains limited. [2] context State Farm privacy notices describe collecting application data plus information from public records, consumer reporting agencies, doctors, hospitals, insurance-support organizations, and others for underwriting, rating, claims, fraud, and related insurance purposes. [3] context State Farm provides broad ordinary insurance utility, but underwriting, rating, and claims power remain asymmetric for customers even under mutual ownership. [4] context State Farm discloses insurance-data practices, but ordinary customers still face opaque rating, underwriting, claim, and data-sharing systems that are hard to evaluate comparatively. [5]

Penalties

Penalty	Applied	Why this penalty
Policy Capture ? Private-interest attempts to bend law, regulation, subsidies, taxes, enforcement, trade, labor, safety, competition, environmental, healthcare, housing, surveillance, civil-liberties, or consumer policy against workers, customers, citizens, affected communities, or ecological life. Public-interest advocacy is not penalized merely because it is lobbying. Range: -15 to 0.	-5	OpenLobby records STATE FARM lobbying on labor, finance, insurance, tax, disaster planning with about $883K in spending across 25 filings; the reviewed filings document private… OpenLobby records STATE FARM lobbying on labor, finance, insurance, tax, disaster planning with about $883K in spending across 25 filings; the reviewed filings document private institutional lobbying over public rules rather than a public-interest advocacy role. That warrants a limited Policy Capture penalty because private institutional pressure is being applied to public rules while affected people cannot democratically govern that agenda. The value is limited because the linked record shows a real problem but not one that dominates the profile on this axis. Linked evidence OpenLobby records STATE FARM lobbying on labor, finance, insurance, tax, disaster planning with about $883K in spending across 25 filings; the reviewed filings document private institutional lobbying over public rules rather than a public-interest advocacy role. [8]
Accountability Opacity ? Material opacity, reputation laundering, or hidden accountability structures that prevent public accountability. Range: -2 to 0.	-2	State Farm discloses insurance-data practices, but ordinary customers still face opaque rating, underwriting, claim, and data-sharing systems that are hard to evaluate comparatively. State Farm discloses insurance-data practices, but ordinary customers still face opaque rating, underwriting, claim, and data-sharing systems that are hard to evaluate comparatively. That warrants a severe Accountability Opacity penalty because material facts, risks, conflicts, ownership, or accountability information are obscured from the public. The value is near the floor because the conduct appears central, large-scale, repeated, or institutionally powerful rather than incidental. Linked evidence State Farm discloses insurance-data practices, but ordinary customers still face opaque rating, underwriting, claim, and data-sharing systems that are hard to evaluate comparatively. [5]
Surveillance Capture ? Invasive surveillance, unreasonably non-optional tracking, facial recognition, biometric identification, or AI behavior scanning of customers, workers, bystanders, or the public. Range: -5 to 0.	-2	State Farm privacy notices describe collecting application data plus information from public records, consumer reporting agencies, doctors, hospitals, insurance-support organizations, and… State Farm privacy notices describe collecting application data plus information from public records, consumer reporting agencies, doctors, hospitals, insurance-support organizations, and others for underwriting, rating, claims, fraud, and related insurance purposes. That warrants a substantial Surveillance Capture penalty because customers, workers, users, bystanders, or the public are exposed to invasive tracking, biometrics, or behavior scanning. The value is substantial but not at the floor because the linked record shows serious conduct without the strongest aggravating factors on this axis. Linked evidence State Farm privacy notices describe collecting application data plus information from public records, consumer reporting agencies, doctors, hospitals, insurance-support organizations, and others for underwriting, rating, claims, fraud, and related insurance purposes. [3]
Ideological Disavowal ? Concealed ideology presented as neutrality, expertise, professional necessity, public-service administration, market inevitability, or non-ideological common sense while exercising power. Range: -3 to 0.	-1	The competitor-coverage pass applies an Ideological Disavowal penalty because the entity presents ordinary investor-centered market governance, surveillance, or risk-pricing choices as… The competitor-coverage pass applies an Ideological Disavowal penalty because the entity presents ordinary investor-centered market governance, surveillance, or risk-pricing choices as neutral service administration rather than as contested institutional choices. That warrants a limited Ideological Disavowal penalty because the institution presents situated, contested choices as neutrality, expertise, inevitability, safety, or common sense. The value is limited because the linked record shows a real problem but not one that dominates the profile on this axis. Linked evidence The competitor-coverage pass applies an Ideological Disavowal penalty because the entity presents ordinary investor-centered market governance, surveillance, or risk-pricing choices as neutral service administration rather than as contested institutional choices. [7]

Bonus Credits

Bonus	Credit	Why this credit
Good Deal ? Credit for unusually fair value: durable quality, fair pricing, low lock-in, and clear customer surplus.	1 / 3	The competitor-coverage pass gives limited Good Deal credit because the entity provides broadly useful, price-competitive, or practically necessary service compared with adjacent competitors, while still lacking stakeholder control. The competitor-coverage pass gives limited Good Deal credit because the entity provides broadly useful, price-competitive, or practically necessary service compared with adjacent competitors, while still lacking stakeholder control. That supports partial Good Deal credit because ordinary users receive unusually fair value, durability, access, or surplus. The value remains partial because the linked record does not show the practice as comprehensive, durable, or central enough for full credit. Linked evidence The competitor-coverage pass gives limited Good Deal credit because the entity provides broadly useful, price-competitive, or practically necessary service compared with adjacent competitors, while still lacking stakeholder control. [6]

Confidence Basis

Confidence is computed from the evidence trail and review state, not typed into the profile by hand.

Medium 74/100

8 verified linked claims 8 direct axis claims 0 disputed claims 8/14 components covered

This confidence label measures the source-backed evidence trail. AI-scaffolded scores remain tentative until human review.

Claim confidence 16/20

8 verified linked claims

Source quality 14/18

Best source per verified claim, weighted by institutional reliability

Direct axis-specific claims 9/18

8 direct claims across 14 active components

Dispute load 12/12

0 disputed claims on this entity

Recency 10/10

Newest accepted timestamp: May 13, 2026

Reviewer status 7/12

Human-reviewed components score higher than AI scaffolding

Component coverage 6/10

8/14 evidence-bearing components have direct support

Evidence State

Profile stateAI draft / human-pending

VerificationUnverified

ConfidenceMedium confidence (AI)

ThoroughnessDeveloped (AI)

Correction routeUse “Challenge this rating” for factual errors, missing counterevidence, source problems, or calculation mistakes.

Company responseCompany representatives can submit source-backed corrections; payment never changes scores or reviewer authority.

Claims and Sources

Claims are the evidence record. Each claim needs a source link, axis category, status, confidence level, and timestamp before it can support a score.

* Tentative scaffolding score. Not human-checked or final.

1State Farm sells auto, homeowners, life, health, business, banking-adjacent, and related insurance products through a large U.S. agent network.

Product Integrity Verified High confidence AI-generated / human-pending May 11, 2026

AI scaffold

State Farm annual reportsPrimary institutional record · 90%

2State Farm's core auto insurer is organized as a mutual company, giving it a stronger ownership structure than shareholder-owned insurers, though practical policyholder governance remains limited.

Ownership Verified High confidence AI-generated / human-pending May 11, 2026

AI scaffold

State Farm annual reportsPrimary institutional record · 90%

3State Farm privacy notices describe collecting application data plus information from public records, consumer reporting agencies, doctors, hospitals, insurance-support organizations, and others for underwriting, rating, claims, fraud, and related insurance purposes.

Surveillance Capture Verified High confidence AI-generated / human-pending May 11, 2026

AI scaffold

State Farm insurance information and privacy rightsGeneral web source · 58%
State Farm privacy policyOfficial self-description · 68%

4State Farm provides broad ordinary insurance utility, but underwriting, rating, and claims power remain asymmetric for customers even under mutual ownership.

Market Conduct Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

State Farm annual reportsPrimary institutional record · 90%
State Farm insurance information and privacy rightsGeneral web source · 58%

5State Farm discloses insurance-data practices, but ordinary customers still face opaque rating, underwriting, claim, and data-sharing systems that are hard to evaluate comparatively.

Accountability Opacity Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

State Farm privacy policyOfficial self-description · 68%

6The competitor-coverage pass gives limited Good Deal credit because the entity provides broadly useful, price-competitive, or practically necessary service compared with adjacent competitors, while still lacking stakeholder control.

Good Deal Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

State Farm annual reportsPrimary institutional record · 90%

7The competitor-coverage pass applies an Ideological Disavowal penalty because the entity presents ordinary investor-centered market governance, surveillance, or risk-pricing choices as neutral service administration rather than as contested institutional choices.

Ideological Disavowal Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

State Farm annual reportsPrimary institutional record · 90%

8OpenLobby records STATE FARM lobbying on labor, finance, insurance, tax, disaster planning with about $883K in spending across 25 filings; the reviewed filings document private institutional lobbying over public rules rather than a public-interest advocacy role.

Policy Capture Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

OpenLobby — STATE FARM lobbying profileGeneral web source · 58%

9State Farm receives the Private Government badge because it combines large-scale private rule-setting over customers, workers, users, members, or counterparties with OpenLobby-documented lobbying of about $883K on public policy issues.

Private Government Verified Medium confidence AI-generated / human-pending May 11, 2026

AI scaffold

OpenLobby — STATE FARM lobbying profileGeneral web source · 58%

Alternatives

Competitors

AGOOD51 Co-operative Insurance Companies member-owned regional mutual insurer · same market BQUALIFIED47 Common Ground Healthcare Cooperative nonprofit member-governed health-insurance cooperative · same market BQUALIFIED47 Community Health Options nonprofit member-led health-insurance plan · same market BQUALIFIED47 Mountain Health CO-OP nonprofit member-governed health-insurance cooperative · same market BQUALIFIED45 NJM Insurance Group regional mutual auto, home, renters, and umbrella insurer · same market BQUALIFIED45 PEMCO Insurance regional mutual auto, home, and renters insurer · same market BQUALIFIED42 Amica Mutual mutual insurance company · same market CPERFORMATIVE41 Shelter Insurance regional mutual property, casualty, and life insurer · same market

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