# State Farm — API Agent Score

> Score: 61/100 (Grade: C) | Domain: statefarm.com | Rubric: 1.0.0 | Checked: July 24, 2026

State Farm scored 61/100 (C), classified "partially-ready".

[View full report](https://www.postman.com/ai/ai-ready-apis/company/statefarm)
[All organizations](https://www.postman.com/ai/ai-ready-apis/llms.txt)

## Summary

- Overall: 61/100 (C)
- Classification: partially-ready

## Category Scores

- API Design: 88/100 (A)
- Developer Experience: 62/100 (C)
- Agent Discovery: 61/100 (C)
- Agent Understanding: 77/100 (B)
- Agent Usability: 40/100 (F)

## Check Results

### API Design

- [pass] Machine-readable, versioned contract — Versioning declared (info.version="1.0.0") and url-versioning detected. Investigated: spec 100%, docs 100%.
- [pass] Auth declared & discoverable — Authentication required (global or on every operation). Investigated: spec 100%, docs 100%, wellknown 0%.
- [warn] Schema coverage & depth — Medium parameter complexity (avg 0.6 params/op; nested/body schemas present). Investigated: spec 83%.
- [pass] Security & governance hygiene — No credential-shaped strings detected in spec. Investigated: spec 100%, wellknown 50%.
- [fail] Example coverage — 19% example coverage. Investigated: spec 0%, docs 0%.

### Developer Experience

- [pass] Self-service developer portal — Signup page at https://customer-registration.statefarm.com/; no free-tier language detected in docs/pricing. Investigated: docs 100%.
- [pass] Description completeness — 90% of operations + parameters have substantive descriptions. Investigated: spec 100%.
- [warn] Changelog published — Newest official SDK activity 197 days ago — drifting from the contract. Investigated: sdk 50%, spec 0%, docs 0%.
- [fail] Quickstart present — No quickstart/getting-started page found at the conventional paths. Investigated: docs 0%.
- [fail] Code samples in docs — No detectable code samples across 1 sampled docs pages. Investigated: docs 0%.

### Agent Discovery

- [pass] Registry & SDK presence — Discovered SDKs in 3 distinct languages. Investigated: sdk 100%, cli 50%, docs 0%.
- [warn] Docs reachable, not hard auth-gated — 1 JavaScript redirect(s) detected across 1 pages. Investigated: docs 50%.
- [warn] Crawlable / AEO — No sitemap discoverable via robots.txt or /sitemap.xml on the docs host. Investigated: wellknown 50%.
- [fail] llms.txt present, valid & comprehensive — No llms.txt found at any candidate location (https://b2b.statefarm.com/b2b-content/home-auto-lenders/ins-inquiry/llms.txt, https://b2b.statefarm.com/llms.txt, https://b2b.statefarm.com/docs/llms.txt). Investigated: docs 0%.

### Agent Understanding

- [pass] Machine-readable errors (RFC 9457) — 5 distinct 4xx/5xx response codes documented. Investigated: docs 100%, spec 50%.
- [pass] Operation purpose clarity — 100% of operations have a clear summary + operationId an agent can select on. Investigated: spec 100%.
- [warn] Agent-navigable, token-efficient docs — No pages support .md URLs (0/1 tested). Investigated: docs 86%.
- [warn] Description consistency across surfaces — Mean pairwise description similarity across 2 surfaces (spec, docs) is 1% (threshold 35% for full credit).
- [fail] Agent instructions file (AGENTS.md) — No AGENTS.md at the site root or /.well-known/. Investigated: wellknown 0%.
- [fail] Docs structured data — Neither JSON-LD nor OpenGraph/meta tags detected across 1 assessed pages (1 JS-rendered). Investigated: docs 0%.

### Agent Usability

- [fail] Idempotency documented — 0% of mutating operations document idempotency. Investigated: spec 0%, docs 0%.
- [fail] Rate-limit signaling — No rate-limit response headers documented. Investigated: spec 0%, docs 0%.
- [fail] Sandbox separation — No sandbox/test server declared across 1 server entries; no test-key prefixes documented. Investigated: spec 0%, docs 0%.
- [fail] Runnable collection with test scripts — No public Postman workspace discovered for the org. Investigated: platform 0%.
- [skip] Pagination documented & consistent — No surface produced evidence for this capability in this run.

## Executive Summary

Statefarm's API program shows strong fundamentals in schema design and doc parseability, but two areas demand immediate attention: agent usability and agent/partner discoverability. Partners and their AI agents currently lack a sandbox environment, idempotency and rate-limit guidance, and runnable collections — meaning integrations are fragile and time-to-first-working-workflow is unnecessarily long. In parallel, the absence of machine-readable discovery signals (llms.txt, structured data, AGENTS.md) means AI agents cannot find or reliably act on the API surface without human intervention. Prioritize making the API executable and safe to integrate against first, then ensure agents can discover and understand it autonomously.