Is State Farm A Good Insurance Company? Reviews From Over 20,367 Customers

My agent is Jason. I like my agent; he is always professional and friendly. I have heard many people say that insurance costs are high and that it mostly benefits the agents. My agent has taken the time to meet with me and explain my coverages in great detail.

A little too expensive.

Just fine.

Expensive.

Expensive. My rates keep going up despite having no claims and driving very low mileage.

Great coverage and fantastic service.

Great company with a great agent.

I haven't had any problems, but the premium is just too high.

They are customer-oriented and are quality people.

I’m my husband’s wife, and I’m the one requesting info. State Farm has been good to me. I’ve been with them for 56 years! I started when I was 17, and now I’m 72. They’ve never failed me once, which is why I hesitate to change.

Typical, but the office staff are amazing when you need something.

My experience was pretty good.

Excellent service, but the premium is high.

I've been with State Farm for over 30 years. No problems.

State Farm is great at resolving claims, but the rates are high and keep going up. Otherwise, it’s hassle-free.

I’ve had only good experiences with my current insurer.

Average.

Very reliable and no pressure—just taken care of when there was an incident.

It’s a pleasure doing business with Roxann. She explains all my coverage and does her best to get the best price for what you’re looking for.

Expensive.

So far, so good.

Excellent.

I’d like to see their rates be lower for seniors.

If somebody asked me about insurance, I would 100% tell them to check out State Farm. They actually care, and you don't have to talk to a robot to get a person. I've checked around, and State Farm always beats the others for my insurance needs.

My State Farm reps have been friendly, professional, and very easy to work with.

I got over $400 off my previous policy. It’s worth talking to them, really.

Please make prices lower for seniors.

Pretty good.

I’ve had State Farm for my home and vehicles for over 50 years. I’ve never made a claim, but the rates keep going up.

It’s great—they’re always willing to help with any concerns, and they’re always very helpful and friendly. It’s nice to have State Farm as my insurance provider.

Excellent service, but the pricing is too high.

So far, we have had no problems with State Farm. In fact, our premium was decreased this year.

When I hear what others are paying, I get disappointed with my pricing. I am 73 years old and expected my rate to go down because I have not had any accidents or claims.

When you start your policy, you are given a figure that is easy to handle budget-wise. After some time, the rate increases and it feels like you're robbing Peter to pay Paul!

Very high rates.

I do not have problems with State Farm and I like dealing locally, but I simply can’t afford it. I will be 73 in a week and am having a great deal of trouble covering my basic expenses with the income I have.

Good but too expensive.

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

It's good, my agent is great.

Pleasant. My agent is knowledgeable and available. As long as the rates are reasonable, I’m pleased.

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 amazing! Great rates and personalized service!

If I change my bank or any situation arises, they cancel the policy immediately without giving time to make the payment in another way, and that worries the client a lot.

Smooth and easy, friendly and knowledgeable.

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.

Excellent customer service so far. I've been with them for several years.

It's like most other insurance - expensive.

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

A lot depends on the agent. At first, I had an excellent agent, but the next one was poor.

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.

My current car insurance personnel are excellent at addressing all my concerns in obtaining the insurance I need.

Excellent service. A little more expensive than average.

I’m an excellent driver—no tickets, no DUI, no problems—and I get “0” discounts. I went to their State Farm office, and they had relocated without my knowledge. Policyholders should be notified. I’m not happy with State Farm. I’m getting great quotes from very reputable companies and will be changing as soon as I receive all my requested information from other insurers. Poor service, so I’ll be going elsewhere.

Too expensive.

I’d say if you’re my age, have no speeding tickets or violations, no DUIs, drive less than 25 miles a month, and have full coverage on a paid-off vehicle with 32,000 miles, please shop around.

Don’t use State Farm for car insurance. They didn’t do anything when I got in a car wreck, even though I wasn’t at fault. I had to fight for myself.

I ended up feeling punished for driving safely—my insurance went up $50 a month. I’m looking for a new insurance company.

It was twice as expensive as Progressive.

I was told that filing a claim for a battery jump would make my premium go up $12 a month.

They don’t take into account how long you’ve been with them. They never even try to give discounts. That’s why I’m shopping for insurance.

They aren’t transparent about premium costs.

The price quote for the first six months was acceptable. After six months, the price went up by more than $50.

State Farm is very overpriced.

Too expensive, and it took my son over six months to settle a claim.

The prices are too high for the services offered.

The most expensive in town.

I’ve been a long-time client, and I haven’t been impressed. Monthly payments can swing quite a bit with no explanation. Customer service is lacking; they don’t make changes in a timely manner. They’ve been very frustrating to work with.

State Farm was repeatedly unresponsive, and they were five times more expensive.

I drive for personal use maybe 3 to 4 times a week, less than a 12-mile round trip each time, with no accidents or tickets. I’m a senior, and my insurance keeps increasing. I’m shopping around for a lower cost.

It hasn’t been great. I’ve been with State Farm for over 10 years, and they’re still charging me $200 or more each month for coverage. I’m 68 years old, I don’t speed, and I haven’t caused any accidents. Thank goodness, yet my premium payments are still so high.

I would not recommend State Farm. They are way too expensive, even for customers like me who have been loyal to them with three houses and several cars for 32 years.

I needed a cheaper policy, but they weren’t able to provide me with one. I’m having financial difficulties at the moment.

It’s getting way too expensive. I’ve had no wrecks and no tickets in 15 years. I’ve been a customer for over 25 years, and they still raise my rates.

State Farm has been misleading, and they keep switching the person I talk to. I was told my payment would be $206 a month, and now they want $300. I’m currently looking for a new insurance policy to switch to so I can pay my bill monthly without any changes.

At the point of sale, my agent “treated me like a relative.” But after looking at my documents, several things bother me. His name isn’t on any of them—only the owner of that franchise is. I sent a message directly to my agent, and it’s been four days with no answer. To my surprise, my deductible amount is set at $1,000. Most surprising, we have the bare minimum coverage. That’s why I tried to reach my agent to see if he could help me. My agent also told me something that I’ve since discovered is untrue: that Allstate does not use your FICO/credit report when calculating your premiums. In reading my declarations page, it clearly says we do not have the lowest rate due to information from the credit report (it doesn’t say whose credit report). I’m disappointed—especially since I can’t find his name on the paperwork and I’m not able to get a hold of him through the direct number I was given. Along with my other discoveries, I chalk it up to just another slick sales tactic.

Far too expensive. There are much cheaper options for the same coverage.

Rates are too high.

Bundling isn’t always better. Always read the fine print, and don’t ever feel pressured to accept what they offer you as the best option.

Not happy with the rates or the discounts available.

Easy to use, local, timely, and so far reliable.

Most of the time my car is parked in the driveway, and they keep increasing my monthly payment.

Overpriced for insurance. I’m looking for a better price.

Nice local agents, but claim handling is poor at best. It’s difficult to talk to a human since everything is computerized for their convenience, not yours.

Taking my money, and they don’t allow you to add minors with a driver’s license to the policy, even if they don’t have or own a vehicle.

Overpriced. Excellent agent, but a very poor claims department.

State Farm misled me and charged me more. I was told I was getting a two-car discount. The discount was equal to what I was paying on the second car, so it felt like free coverage. I sold the second car three years later, and when my rate adjusted, I was paying $28.44 less per month. I believe this cost me $995.40 over 35 months.

It’s ridiculously expensive, yet still cheaper than anywhere else!

They were great until they started charging me double and adding a late fee. I wasn’t late until I couldn’t figure out why they were charging me $200 and something on a $105 policy. Then they wouldn’t remove the late fees, so they kept adding up. I still paid the $211.89 insurance cost on a $105.00 policy, but my insurance was still somehow always late. Anyway, it should have been a month ahead, not late.

It was okay, but very expensive.

They took advantage by overcharging for a long time.

Too expensive.

OK. Very expensive.

Shop around with reputable companies and compare rates.

My agent gives terrible service and is rude. Why do I even have an agent? All he seems willing to do is collect my payment; otherwise, he’s not helpful. As far as State Farm goes, the claim took forever to resolve. It was a small claim for $330, which I paid for, and I had the car back in two weeks. Then I was contacted to find out where the car was. They wanted to total it, but there is nothing wrong with the car. It’s a 2013 model in good condition. State Farm had nothing out of pocket, and on two different occasions I received phone calls saying they were coming for my car. I didn’t get any help from my agent. I’m looking for a new insurance company after 40 years with State Farm, and I ended up with the worst agent they have.

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.

When a customer pays for coverage, they do not expect State Farm to use the same claims specialist for both insured parties. It feels like a conflict of interest. Even my State Farm agent called to ask for a different claims specialist and, after calling four times, was basically told to go away. This is the agent who creates revenue for State Farm.

I made a claim in January 2026, and they’re still contacting the other driver.

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.

I always seem to see a new agent. I haven’t seen my regular agent in years when I go to their office. It’s way too expensive for the results.

They’re very good at responding to my needs. However, their rates are now as high as the company I left, and it’s only been a few months.

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.

This is frustrating. I’ve been waiting four months to get my deductible back. Every time I call, I get a runaround. The agent handling my case doesn’t seem to have a clear understanding of it.

They’ve raised their prices so much that I can’t afford them anymore.

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.

It’s higher than my previous policy, which was also high, but it’s $100 cheaper than that policy now in effect.

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.

I never feel like the agent is working for me or offering the best information for my coverage. I don’t like the way the billing is handled. I don’t want my house and vehicles to all be due at the same time, and that never gets changed. Customer service is very poor.

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