State Farm Mutual Automobile Insurance Company sustainability score: 30/100
Below expectations starts at 31. The highest score on SINK is 71.
State Farm Mutual Automobile Insurance Company is the US mutual auto insurer at the head of the State Farm group, headquartered in Bloomington, Illinois. In 2025 it earned $73.0 billion in premiums and held $105.1 billion in unaffiliated stocks, according to its annual report.
Head office Bloomington, Illinois, United StatesRevenue $73,017M premiums earned (2025)Website ↗
Read State Farm Mutual Automobile Insurance Company's own report ↗
State Farm Mutual's operational Scope 1 and 2 emissions fell 58% from 2019 to 2025, but it measures no Scope 3 and publishes no financed emissions for its investments. Independent reports document more than $5.5 billion held in ExxonMobil and Chevron and over $6 billion in upstream oil and gas producers, and a rising fossil-fuel share of its portfolio. It sets no science-based or net-zero target.
State Farm Mutual Automobile Insurance Company scores 30/100 (Significant gaps) on SINK's independent climate assessment, scored from public data only. Scores are free. Nobody can pay to change a score, speed it up or hide it. Last verified October 2026.
That places State Farm Mutual Automobile Insurance Company joint 731st of 1,023 companies scored, and 17th of 17 in Insurance.
What is State Farm Mutual Automobile Insurance Company doing well, and where does it fall short?
Strongest on Carbon Footprint: Operations and Emissions Trajectory (8/10, 5/10). Weakest on Carbon Footprint: Supply Chain and Nature & Biodiversity Impact (0/10, 2/10).
Where State Farm Mutual Automobile Insurance Company lost points
For each question that lost points, the evidence our public rubric looks for that we didn't find.
What would raise this score
- Emissions from its supply chainAssess where its supply-chain emissions come from.
- Its effect on natureAssess its effect on nature and publish a basic environmental policy.
- Its effect on waterMonitor its water use and take measures to reduce it.
Every question that lost points
- Emissions from its own operations8/10No verified figures published with their method and a falling trend.
- Emissions from its supply chain0/10No assessment of where its supply-chain emissions come from.
- Whether its emissions are falling5/10No evidence of a year-on-year fall in its total emissions.
- How clean its energy is5/10Less than half its energy shown to be renewable, or no transition plan.
- Its effect on nature2/10No assessment of its effect on nature, and no basic environmental policy.
- How it uses materials and handles waste4/10No measurable waste or recycling targets reported publicly.
- Its effect on water2/10No monitoring of water use, or no measures to reduce it.
- Its climate targets3/10No specific targets with dates.
- How openly it reports5/10No dedicated sustainability role, board oversight or public report.
- Its record on controversies4/10Points deducted for controversies or its business model. The finding is under question 10.
A score changes when the evidence does. We use new published evidence at the next rescore. Anyone can send us new evidence, free. How to send it.
How is State Farm Mutual Automobile Insurance Company's SINK score calculated?
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × ScaleWhat evidence is State Farm Mutual Automobile Insurance Company's score based on?
15 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
27% of them were published by State Farm Mutual Automobile Insurance Company itself; the rest come from independent sources.
The revenue shown ($73.0 billion of premiums earned in 2025) is State Farm Mutual Automobile Insurance Company's own figure from its statutory annual report. Its emissions figures cover a wider group: State Farm Mutual together with the subsidiaries it controls, as reported in its 2025 climate (TCFD) report. No filing states revenue for that wider group, so the two figures describe different boundaries.
11 of 15 sources are independent of the company.
“Scope 1 + 2 (Market-based) 202,004 84,403 -58.20%”
“Calculations for 2023 and 2024 are derived from prior year assurance procedures and historical data.”
“Unaffiliated Common & Preferred Stocks 105,125 91,196”
“the disclosure reveals over $5.5 billion of holdings in two Big Oil companies”
“eight State Farm facilities in Bloomington will procure approximately 103,000 megawatt hours of energy per year from Double Black Diamond”
“State Farm will receive energy and RECs from Swift Current Energy's 593 MW Double Black Diamond Solar Project”
“These include improving air quality and energy efficiency, addressing climate change, improving recycling rates and conserving green spaces.”
“evaluates these climate-related risks, decides to invest in or underwrite fossil fuel”
“We simply have too much office space in Bloomington – about double what we need.”
“alone held 45% of the assets, according to Changing Climate for the Insurance Sector”
“efforts by the American Legislative Exchange Council (ALEC) to get legislators to oppose any”
“these insurers collectively have an estimated $113 billion of investments in and $3.6 billion of underwriting income from fossil fuels”
“has invested more than $6 billion in upstream oil and gas producers through its parent company, State Farm Mutual.”
“demanding answers and internal information about how each company underwrites, invests in and profits from the fossil fuel industry.”
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How does State Farm Mutual Automobile Insurance Company compare with other insurance companies?
State Farm Mutual Automobile Insurance Company sits at the bottom of the insurance pack.
Among the 17 major insurance brands we've scored, State Farm Mutual Automobile Insurance Company sits 17th of 17.
Who scores higher in Insurance?
The 3 companies in the sector scoring nearest above State Farm Mutual Automobile Insurance Company.
Beazley reports operational emissions with no third-party assurance and minimal Scope 3 coverage, masking material underwriting exposure to fossil fuels.
See the breakdown →Prudential's emissions are rising across all scopes, with Scope 3 financed emissions jumping 51% from 2023 to 2024.
See the breakdown →Allianz's own investments carry about 77 MtCO2e of financed emissions, and its emissions figures are under reasonable assurance.
See the breakdown →Which companies moved this week, and why.
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