Is State Farm A Good Insurance Company? Reviews From Over 19,782 Customers

Very high rates.

State Farm was my carrier, but they are too expensive for my ride.

It's good, my agent is great.

It's great but expensive. They have great glass coverage and great collision coverage - always paid timely and been supportive for over 16 years.

I have had State Farm for over 10 years.

State Farm is good. I’m just trying to see if I can find something a little cheaper.

Prices started good, but rapidly escalated.

I like State Farm and my insurance plan, but my monthly payment is way too high for insurance, and I want to cut the cost in half.

It's like most other insurance - expensive.

I like my insurance company. It seems to offer a fair rate for me.

I'm happy as long as they provide my coverage at reasonably priced rates. I only need insurance coverage because of those other people that I have to share the roads with.

My insurance keeps increasing, and I have no claims. At my age, I'm accident-free and never had any issues. Don't use an agent.

I really am happy with them.

Good coverage but higher rates than other insurers.

I have had a very good experience with my insurance company.

Costs are increasing, but the local service is excellent.

Excellent service. A little more expensive than average.

They are always courteous and willing to help. No problems here; these people are the best.

It's good.

Good, very polite and professional.

I would refer my insurance company to a friend.

The price seems a bit high. The truck only drives about 60 miles a month, and the Buick goes about 120 miles a month. My agent keeps in touch by email, and I do most things online.

She kept me in line and got auto pay hooked up. Love it!

They keep raising their prices.

Fair and accommodating

Car insurance in Maryland is absolutely horrible. Many people in my community have registered their auto tags in Virginia where prices are more affordable.

Low rates including my renter's insurance.

Good but expensive.

Everything was great until they allowed me to go until June without realizing I hadn't paid February's bill. I had no idea I was behind, as far as I knew, I was caught up. Then, 3 months later, I received a bill with three late fees for three different times. They didn't bill me until 3 months later, and they didn't even inform me about February's bill until June. Other than that, they're really great with what they offer, like roadside assistance. I haven't seen the discount yet, but hopefully, it will be applied as they say.

Way too expensive.

Had my first claim with a broken windshield. They took care of everything, but it's just pricey.

They are good. I haven’t had to use them yet, but in the past 50 years, I had them for 38 years with no problem!

Very nice agents to talk with.

It was okay, but the agent never met with me. She has her assistants do all of the follow-up work. I am planning to change insurance companies because of her lack of interest in keeping me as a customer, plus the rates are going up quickly.

Things were done in a timely manner.

I have had no issues. I'm very happy.

They were very helpful and patient because they had to walk me through the online process since I am not good with computers.

I appreciate it when they say they emailed me my insurance cards, and when I tell them nothing could be opened, they immediately call me to see what the problem was. Thanks!

Get the lowest insurance rates you can and be mindful of increased rates every 6 months regardless of your driving record.

Very good people to work with.

One of the best experiences with insurance companies I’ve had.

Excellent but expensive.

I've received excellent service, but my rates keep increasing without any claims on my policies.

Very happy. I had a claim and they took care of everything.

It's gotten too expensive.

Excellent, I have had State Farm for over 40 years and occasionally I do shop around, but nobody beats State Farm.

I have been with State Farm for 14 years. It's just that it's getting too expensive, so I'm looking at other options.

State Farm is best if you get to know your agent. The better that relationship is, the better the experience with the agency as a whole. For bundled insurance, they have some of the best rates. We saved extra so that we could raise our deductible, and we put the premium difference in a high-interest bank account, so that we can pay small claims.

I have no issues.

I missed a payment because I was taking care of an elderly lady who passed away. I didn't even realize I missed the payment because I also had to find another place to live, as I was living at her house. My whole world was turned upside down, and I was heartbroken from the loss. Now, I'm having trouble finding insurance because I missed a payment with State Farm. That's that, I guess.

No problems or claims. I would like it to be less expensive.

The cost goes up faster than my Social Security and pension income, especially for my age group of 79+.

I've never had to use it, but I appreciate knowing it’s there.

Anything I needed, I just called, and they took care of it and called me back to say it was done.

Professional service in a timely manner, thank you!

Excellent agent, but car insurance with State Farm is too expensive!

Customer service is always good, including roadside assistance. Unfortunately, it's a little expensive for my budget.

They offer higher coverage for lower premiums and deductions.

Lower cost than before.

It was fair.

Too expensive.

OK. Very expensive.

We’ve been loyal State Farm customers with the same agent for 13+ years. We had a claim about 10 years ago that was handled by MJ Collision Center and was paid in full after we paid our deductible. We also had another claim after being hit in a parking lot; that repair was also done by MJ Collision Center and was paid in full by the other driver’s State Farm coverage. In 2025, we had another claim. We contacted the dealer’s collision center, but they didn’t have an appointment available for 6+ weeks. My husband was going to Canada and wanted the repair done before crossing the border, so we went with MJ Collision Center. We later found out they were not on State Farm’s repair list. In the end, after 2–3 phone calls to State Farm, we could not get reimbursed for about $2,500 that we paid to get our vehicle back. We also tried to work with our agent over 4–5 contacts, but he said he doesn’t get involved in vehicle repairs. The vehicle required a three-step specialized paint job after repairs to the entire right side, plus a detailed stripe to match the left side. Unfortunately, State Farm would not pay to match the right side of the vehicle to the left side, so we lost about $2,500 on this claim.

Overpriced and poor service.

I went from $435 every six months to $900 every six months with zero changes, charges, or any claims. Progressive just decided to double my premium for no reason. It feels like everyone follows the same pricing, which is frustrating. I’ve always kept insurance and feel like I’m being penalized for doing the right thing.

Very expensive, and I barely drive because I’m disabled.

Tip #1: Don’t give State Farm a chance to fix any problems you may have with insuring your vehicle. Tip #2: Go into the office and get insurance in person.

They constantly upgrade your policy by adding a higher deductible and uninsured motorist coverage, and when you call them, they say that it’s just the way it is. As a policyholder, I had to be the one to advocate, investigate, and say, “No, you can’t make these changes without my permission.” I ended up lowering my own bill by almost $30, so why should I even have a broker or stay with State Farm if I had to do all the work myself? I’m very unhappy with State Farm.

My price went up without any explanation.

State Farm should offer a senior discount, but my insurance keeps going up, and I’m ready for a change. I don’t drive much, so I’m looking for full coverage for $20–$30 a month.

I’d encourage people to look for cheaper options. State Farm is big, but they deny claims like crazy, even when neighbors are getting approved for the same storms and the same hail damage. It feels wrong, so we’ll see how they do in court.

I've been with them for over 25 years, never used their service, and it keeps getting more expensive.

I paid $50 a month for liability in 2020, but for some reason, I now pay $150, with no accidents or DUIs. Worst insurance ever!

They didn't pay for my accident when I ran into the back of a car that started to take off and then stopped. They wanted to total my car even though I was still able to drive it. There were no engine or airbag problems, nor was there an issue with the car's value.

I've been with them for 5 years with no wrecks, and they're charging me $159 for a 2012 model.

Good so far. I had State Farm for years until they started charging me $482 monthly for liability!

Way too expensive for how much I drive. I drive about 4,000 miles a year, and you charge me $1,600 a year for coverage.

Way too expensive, slow to respond.

They have started raising my premium for no apparent reason.

Don't use State Farm. They don't allow stacking on two cars on a single policy. So, you either have to give up that option or get an additional policy. They are the only company doing this in Florida.

My State Farm office acts like they're doing me a favor instead of realizing that I'm the client. Also, there is no tech support when resetting my password on the app. I've tried laptop and desktop; it just doesn't matter. Very poor customer service. On the positive side, I learned that if I pay for a tow, my agent will reimburse me fully on the spot.

Horrible service. They deny claims and are overpriced. The customer service is poor. I called the insurance commission, and they are aware that this company refuses to honor claims.

After submitting a payment for my State Farm auto insurance over a month before it was due, I received a new statement saying they switched my policy to stacked insurance. What?? This also raised my premium by $143.64. State Farm gave some questionable excuse that they had to update their policies and by "state law" they had to change from unstacked to stacked insurance. I only have one vehicle and one policy with State Farm. Why would I want stacked insurance? I missed the second or third page notice that required me to decline stacked insurance. I believe it is against the law to sell a product without a definite "positive" response that you want that product. I finally was able to correct and remove the stacked provision in my policy. It left a bad taste for State Farm. I am not sure they have my best interests.

I've been with State Farm for over 50 years. They have priced themselves out of reach for me.

The rates go up every 6 months. We have gone 10 years with no claims.

The Drive Safe & Save program disappointed me when my policy came up for renewal. We had a very good score overall and never received any communication from them indicating concerns. My policy renewal reflected a 47% increase, despite having no accidents, tickets, or black marks on our record. They could not provide any explanation as to why. Don't fall for the Drive Safe & Save program.

Expensive for a good record with no tickets or accidents.

The price is too high for certain cars and areas. But, I am grandfathered in.

They cover what they need to cover, but my monthly payments are too high.

The monthly payment is outrageous and too much, especially as your car gets older.

I got with State Farm through a private insurance guy who said he runs his business how he wants to, but underwriting can come in at any time and overrule his choices. I found this out the hard way. After one major accident, I had a lady force me to reread her, and then I was informed I'd be getting let go in a few months. So I was forced to switch. I even called the guy, and he said, sorry there's nothing I can do because you haven't been with us for 3 years. Even once I hit 3 years, he still couldn't do anything. So I felt lied to a lot. The associates on the phone always had a different opinion about how things work, and not always was their information correct. I had to call back to talk to the owner to get a solid answer on anything.

After 40 years of paying premiums, I had to hire an attorney when I finally had a claim.

Trouble with auto pay not debiting the bank, then they say they are canceling. We go to the office, and they need a 2-month payment; still, auto debit is not working. Next, the debit is 2 months; we are billed monthly. They say they don't know why it is not debiting auto pay and not to worry, LOL. The office doesn't know what the main branch is doing.

I feel it's too high right now for two cars on liability at $162.00. Can you give me a better price?

They continually raise rates. I have an excellent driving record with zero infractions over 20 years. I am a disabled senior and drive less than 1,000 miles annually, less than 5 miles monthly. Yet they have raised my rates considerably every year for the past 6 years. I have both auto and home policies. I'm shopping for new insurance.

Too expensive. I’ve had quotes for much less than I am paying.

Terrible - I got rear-ended and my car was totaled. They brought in a third party who did not know how to appraise the value of my car and refused to use my comparisons. I lost approximately $6k to $8k of value, and their solution was for me to file a court case costing me $8k to $10k. This happened after being a State Farm customer for over 30 years.

Insurance through State Farm is so expensive that I feel I can't keep insurance on a car that I have parked in my garage 99 percent of the time.

Confusing. Two vehicles, one driver aged 75, no accidents or claims. Insurance doubled (liability) when I added a 14-year-old car.

After State Farm increased our policy on one of our cars by $400 per year, I attempted to contact someone to discuss the increase. State Farm makes it impossible to talk to a live person other than your local agent. The company’s retention program is nonexistent. Based on my experience after being with them for 11 years, I could not recommend State Farm to anyone.

They keep raising rates, with no break for being with them for 45 years.

Don't go with State Farm. It's like pulling teeth to get your insurance rate down. I pay $153.00 a month for full coverage with a $2000 deductible, and I've had only one accident that was my fault in my entire 60 years of living. I haven't had a ticket in 15 years or more.

They will start the insurance low, but then when they renew you, they raise the rates.

They are very expensive. I’m driving a 12-year-old car and pay $700 every 6 months. One claim in 5 years in which I was not at fault.

Longevity as a client doesn’t matter; rates continue to increase every 6 months. It's a good practice to continue to shop around and move your insurance coverage to different insurance companies for auto and home policies. I've been with my insurance company for over 15 years, and if I knew the information I have today, I wouldn't have been a loyal customer for so long. You get nothing in return, like better rates, etc.

There is no customer service and no communication. Rate increases are beyond unreasonable.

I'm not very satisfied. The price is high even after I had them review it again because there are changes in my driving experience, such as how much I drive now since I don't drive my car every day anymore.

Once you get a ticket or accident, your insurance rates go sky high and take forever to come down.

Satisfactory.

I pay more than my car payment for insurance. There is no interaction with the company. If I have questions, which I have had, there is no one to ask.

State Farm is good about paying a claim, but their claims adjuster is out of touch with reality. They need to see what the repair company will charge and then plan accordingly. In my case, the VW dealer wanted $3,100 for repair, but State Farm had me pay that amount plus $500 more (total $3,600). WHY?!

Customer service isn’t any good on the company's part, but the agent level is great. They have a telematics program that has failed people with their discount, and they fail to take accountability for the technical hardware failure.

Average coverage with no personal interaction.

The rates are extremely high.

State Farm changed all their coverages and it's very hard to understand what has transpired. One policy went up 400% (no claims ever made on it).

Keeps raising prices... starting to look elsewhere.

State Farm does not honor safe driver records accumulated over years of driving experience, especially while insured by State Farm during those same years.

It's doable! Not perfect but manageable. It's a shame we still have to pay high insurance premiums in Michigan.

The policy increases every 6 months without fail!

After being in a car accident, I realized how important it was to have coverage that included everything. I don’t like the increase in my premium, so I’m considering lowering my coverage limits to decrease my premium.