State Farm Mutual Automobile Insurance Company is the US mutual auto insurer at the head of the State Farm group, headquartered in Bloomington, Illinois.
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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. Fees pay for the review, never the result. Last verified October 2026.
That places State Farm Mutual Automobile Insurance Company joint 614th of 847 companies scored, and 14th of 14 in Insurance.
State Farm Mutual Automobile Insurance Company sits at the bottom of the insurance pack.
Among the 14 major insurance brands we've scored, State Farm Mutual Automobile Insurance Company sits 14th of 14.
Its three lowest-scoring questions, and what the evidence didn't show.
No Scope 3 quantification, no PCAF financed-emissions or insured-emissions figure published.
No biodiversity policy, nature-dependency assessment, deforestation commitment or TNFD disclosure.
No water withdrawal, consumption or discharge figures in 2025 TCFD or 2024 Impact Report.
A score changes when the evidence does. We use new published evidence at the next rescore. Evidence that isn't public can count through an evidence review.
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Get in touch →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).
The 3 companies in the sector scoring nearest above State Farm Mutual Automobile Insurance Company.
Standard Life discloses operational emissions with 81% absolute cuts since 2019, but portfolio decarbonization targets intensity only—not absolute financed emissions.
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 →Beazley reports operational emissions with no third-party assurance and minimal Scope 3 coverage, masking material underwriting exposure to fossil fuels.
See the breakdown →The formula and all 15 sources.
Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × Scale15 sources used in this assessment. All publicly available. Each row shows which of the ten questions it informed.
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.”
If you believe a source has been misread or a newer version exists, submit a challenge.
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.
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