I am an insurance adjuster familiar with policies and my opinion is that the State Farm's insurance policy is the worst. IMHO State Farm is not the worst insurance company -- American Family could get that distinction. However, only Constitution insurance shares some of its policy langauge with State Farm. The American Bar Association has published a guide to policies and it is broken down into two parts: All Insurance Companies except State Farm and State Farm Only.
Do you have a link to that ABA guide you referenced in your post? Please provide it.