Is State Farm A Good Insurance Company? Reviews From Over 16,298 Customers

I like State Farm; they've always been good to me. I just wish the pricing was better. Long-term customers and careful drivers should catch a break.

Good, but costs have soared though.

The internet tells me that I should be getting a better deal as a senior with a good driving record.

Good insurance company, but very expensive, even with the multi-car discount. I understand why insurance rates increase every year, as driving behavior can be reckless. Many drivers act like they own the roads. Additionally, I believe that at least 85 to 90% of drivers here in Ohio do not have insurance, though this is just my opinion.

Their coverage is lower than others I have gotten quotes on.

I've always had prompt replies and all the help I need with getting the app to work. Outstanding people.

Good, very fair, but every year the prices go up. It's tough to deal with when you're on a fixed income.

Excellent professional interaction and prompt attention to customer concerns.

I was defrauded online by my ex-boyfriend, so I want to give advice: watch your online account. State Farm has done wonders understanding and fixing the situation.

No appreciation for a customer who remained loyal for over 50 years. They give me the runaround when I ask about discounts for having no DUI or any tickets and had one claim (hit a tent pole at Chick-fil-A) resulting in a policy increase.

Very positive overall, great team!

Make sure your agent or agency is accessible and easy to talk with.

Become more competitive. Premiums for State Farm are much too high. I have numerous 2025/26 cost quotes and am seriously considering making a change after many years with State Farm.

Good agent, good claims department, reasonable renewals.

I didn’t get guidance to handle my claim. I didn’t know I needed to be perfectly detailed. They did correct it, but it was an unnecessary hassle.

The people are good, but there are never any discounts, and the price keeps going up. Everyone I know who has signed up has quit.

Look over your entire policy and make sure you have the coverages you need.

Comparing the amount I pay for coverage with State Farm to other insurance companies, I find that I pay less with them.

I've had no problems with State Farm, although their prices are a bit higher than those of other auto insurance companies.

Very well pleased with the service.

Expensive, but good.

Expensive.

Good, but no discount over time.

I haven’t had a claim with them, so I can’t speak about that.

Grateful for the speedy claim last February, with upfront and ongoing support. It was handled totally without worry or anxiety. I don't really enjoy having to pay an additional $50 per month post-accident, but compared with other providers, it seemed to be expected.

We've been with State Farm for over 40 years, but we're leaving now. They wouldn't even let me talk to anyone about the high increase in my bill. I was sent to this agent when my previous agent retired. We are retired and live on Social Security, and I can't pay what they are charging. They did ask me to let them know if I leave, but that's not happening.

My only real negative is how long it takes to get a payout after the claim is submitted. I ended up having to pay for a rental way longer than I should have.

It is still a high cost, but the salesman was courteous and professional.

Getting too expensive on a yearly basis! The policy has increases with each renewal.

Shop for the same coverage for less money. State Farm is becoming more bottom-line oriented and less concerned about the value to the customer.

Withstands historic losses with moderate price increases without major cancellations in Florida. Cancels policies in areas of highest risks from potential loss.

I’ve been with State Farm for twenty-three years and have always had both multiple cars/trucks and home insurance coverage from them. For a while, I even had motorcycle coverage. We have never had issues with State Farm until the past two years. Their pricing has been very good, but our rates have been increased almost monthly! Their rates have gone up in this time period by thirty-plus percent! I’m now, after sixty-plus years, looking at lots of less expensive options!

It was great. The agent did his best to find the cheapest rate possible for me.

They are quick, knowledgeable, and priced right!

Good premium, but high.

To understand why I rated this company so highly, I would say that the coverage I recently had cost at least 40-45% less than that of other providers with comparable quality overall.

Best price for the most coverage.

The best, most affordable.

Good rates and customer service.

I was with Geico for 19 years and never missed a payment. I called State Farm and talked to a lady named Zulma Guardado. She was excellent, understanding, and very transparent in guiding me through the process of getting a new policy. She is excellent.

The agent I use is very helpful. I'm looking for a lower payment.

Overall, it's PAY PAY PAY. It's great to have full coverage on all three vehicles. I dislike the amount or agent-based pay instead of just paying for full coverage. That's my whole reason for shopping for "new" rates. If I received a partial refund on what I didn't use, that would be awesome.

Excellent agent.

Good insurance company.

The policy prices keep increasing every 6 months, which is not good.

I have been very pleased.

Easy to purchase and easily accessed online. Office nearby.

State Farm is a good insurance company.

Good but costly.

When my wife and I were in an accident in the Blue Ridge Mountains and were airlifted to a trauma center in Tennessee, I called my agent to report the accident while laying flat on my back. She told me I needed to call the corporate number. I explained that I was flat on my back with IVs in me, and she said, "Don't worry, I will take care of everything. Call me back when you are better." They handled everything for us. When we returned home and went to see them, it was unbelievable. They said, "Bring all your bills in, and we will handle it for you."

I had a bad experience with a claim because both parties used the same insurance company.

Works well for me.

I don't like the fact that the rates keep going up even though my car keeps getting older.

Had been very good for years, but in the last 4-5 years, it has gotten very expensive. I can hardly afford it now.

44 years of great service. Pricing has gone up.

Started out with a great rate, but then they raised it by over $200, which we are not happy about.

Ask questions often.

I am satisfied with State Farm because of the price of the policy. Other than that, I'm just okay.

Very responsive with claims, but costly premium increases.

I've never had any real problems with State Farm. When I'm trying to reduce my insurance costs, I shop around.

Terribly disappointed after State Farm coverage for 60 years. House and lanai roofs damaged from Milton. State Farm wanted to replace only half the lanai roof, although it wouldn't match the remaining half that wasn't blown off. They wanted to replace 20 shingles on a 20-year-old roof, although the same shingle was no longer available and wouldn't match. State Farm's total estimated damage for roofs and other damage was so low it was less than the deductible. Not one dollar paid! Unacceptable for a $5100/year policy.

Horrible experience. After 30 years and a clean driving record, you are treated like a criminal with outrageous price increases.

I like my agent. I don't like paying for other people's mistakes. I feel as a senior I'm paying too much. No DUIs or accidents, and I'm still paying over $100 a month. I could go on...

They do not assist with condo subrogation or water damage from other units.

I would not recommend this company to any of my family or friends because they are always increasing their premiums. If you are on a fixed income, you cannot afford to have your insurance keep going up.

State Farm is too expensive. I am paying three times the amount I was paying before I moved to Arizona. It's not right.

We haven't had any accidents in over 3 years, and our payments keep going up. It's getting worse. We are at the point of changing companies.

Terribly overpriced. Slow processing of repairs after an accident.

We've been with State Farm for over 25 years, and I feel like my continuous commitment as a customer doesn't matter when it comes to getting an affordable insurance policy. Our policy has increased 3 times in 13 months.

Very expensive but good service.

I think I’m paying too much for the coverage I get. I’ve never put in a claim.

Price gouging valued customers. I experienced over a 100% increase with no accidents or tickets.

I was with State Farm for over 25 years and feel like I was ripped off in the past 3 years despite having an excellent driving record.

I am upset with the pricing, the quote, and how my insurance has increased despite promises that it would go down. I've had billing problems, and all the quotes I have gotten from other insurance companies always manage to give me a higher rate because of a statement and quote from State Farm. Every quote I tried to get, where it says lower insurance rates for no DWIs in the state of Texas and good credit, still results in higher policies than State Farm. I do not understand why I am still paying a high insurance rate with no DWIs, no tickets, no accidents, and over 15 years of good standing. I am even over 65 and on a low income, but I do not understand why, when all the advertising promises low insurance rates for no DWIs and senior services. That is why I gave them a low rating. All the phone calls I have been getting say the same thing: higher rates, despite advertising low rates. There's nothing I can do about it but keep taking phone calls. I have no choice but to stay with State Farm because all the insurance quotes I have gotten have been at least $10 to $20 more for the same coverage, even though this insurance said low rate. That is why I tried for it, but it only came back the same or more than what I was getting from State Farm.

I have used SF for approximately 25 years. They changed management several years ago, and I feel the customer service is lacking. I have seen nothing but price increases since. I called a few times to see if I could get a reduction since I have several cars with them and never heard back. This is the reason I’m looking elsewhere.

My premium goes up and down every month. They tell me it's because I had an accident that I wasn't charged with about 3 years ago.

Make sure you are prepared for sudden and unannounced rate hikes with no follow-through by management when you express your concerns about the constant rate hikes (3 in one year).

I just feel that every time my policy would come due again, it would just go up and up. Then, my last one went up to $164, but when I got my bill, it was $169. It went up over 20 something dollars, and they don't seem to help seniors with their rates. They say that State Farm is really good at raising everybody's rates to take care of their commissions. I don't know if that's true, but I'm not really happy with it. I'm looking for something cheaper.

I was promised lower rates but received higher rates.

The rate increase in the last year is out of control.

Terrible experience. I have had no claims in over 30 years, yet every policy has increased in the past two years, sometimes by over 20 percent. Their excuse is bad claims in other states, which is not my problem. It sounds like a major underwriting issue. I'm looking for new coverage and will switch from State Farm as soon as possible.

It's hard to contact them, and they have slow or no response to inquiries.

The agent was instructed to add rideshare coverage but did not add it to the policy. When I was rear-ended in a hit and run, they refused to pay on the claim. Be cautious with this company.

They just keep raising and raising my premium, and it was ridiculous. I've never had an accident or a traffic ticket. No, I would not recommend them to my friends.

I would say one should check with them for any changes in policy. I was told it's the office's job, not the actual agent. I had them for 30 years, then my car died, so my employer gave me one of theirs and they covered it. When they signed it over to me, I went to get insurance and was told it was so high because of a lapse. Even while still having an active license, they take it as driving without insurance!

I had auto insurance with them for three years, but they never offered me a cheaper rate. I always paid a very high price for insurance.

I called to add a driver to my policy, and the agent was rude and hung up on me. If it weren't for the fact that it was a Saturday morning and I was purchasing a new truck, I would have dropped my insurance with you guys immediately. I called back and got another representative and managed to get the driver added on at that time. However, the increased cost for the truck I bought is astronomical at around $230 a month. Shopping around, I've found the same insurance coverages for less than $100 a month. Tips I'd give a friend: shop around.

Prices are kind of high.

At first, they were good until I filed a claim. Then I started getting all these different charges added on. I mean, really, what's a surcharge after I had an accident?

I've been accident-free for 29 years and drive less than 1500 miles per year. I've never submitted a claim, yet my rates continue to skyrocket.

Very bad, the company changed the price 3 times in less than 6 months. Customer service needs more improvement. You ask for something specific, they're not clear. You need to contact them for them to charge you a second time.

Every month, my insurance rates keep increasing. I think within three months, they went up by almost $20. I'm on a fixed income and can't afford this. I don't even drive much. My car is brand new from four years ago and hasn't even hit 10,000 miles yet, so that tells you how little I drive. Maybe I should be looking for pay-by-the-mile insurance.

Rate hikes without notice or justification.

Expensive! I've been with State Farm for 45 years, and customer service has gone downhill.

The employees are usually rude. They are not flexible with my payment times. They charge you more just to get on the right payment schedule for you! They won't help me switch to a more affordable insurance company. I feel trapped! They charge way too much for full coverage.

High price. Good coverage. Could improve communication with customers.

Vehicle insurance charges are more expensive than they should be. I consider nearly $3,000 a year for a 2017 truck to be excessive.

I've never needed to use it, but it is higher than I want to pay.

Good but too expensive. No loyalty to long-time customers.

I'm overpaying for my age and miles driven. I average less than 6,000 miles a year. We bought the Fit new in 2010 and 15 years later we've put on 70,000 miles.

It's absurd that the price for the same exact coverage is offered at $69/$79/$80 a month from other insurance companies.

Horrible. I've been with them for years, and it's all about the money and getting every dime they can for as little coverage as possible. Customer service is horrible, at least at State Farm in Wichita Falls, TX. They never call you back or leave a message, like they don't care, which they don't. If you can't reach me by phone, leave a message or email; don't use that as an excuse or say it's my fault. Try a little harder, please! Oh well, goodbye. I got way more coverage for WAY cheaper, saving me $1,200 a year!

I have only been with them, so I really don’t have anyone to compare, but they are by far the highest.

They are happy to let you pay for their service as long as you don't actually use their services. I had State Farm for over 30 years. During this time, I might have filed a claim, but they were happy to take my money and increase premiums every few years. However, recently a family member received a minor moving violation ticket, and I had to file two claims (one was our fault and the other was an uninsured motorist). That was enough for State Farm to tell us that they would not be renewing our policy. That is how State Farm treats its long-term and loyal customers. I would stay as far away from State Farm as you can.

My car rates were just over $400 when my car was new in 2015 for full coverage on a 6-month policy. Now, my same coverage is $960 for 6 months, more than double for my 10-year-old car. Progressive is much lower, but they refuse to insure any Hyundai or Kia car. Someone should investigate why both these companies are overcharging people.

I had good experiences for over 30 years, but then I had one chargeable accident and they dropped me! No exceptions. It's quite disappointing for a company to do that.

I hit a deer and State Farm found me at fault and raised my insurance $100 a month. I would love to know how hitting a deer is a chargeable accident. Maybe it would have been better to swerve and total the car out in a ditch? 40 years driving without one accident and then I hit a deer and it’s my fault! That’s precious!

My agent is phenomenal, but my full coverage was not upheld by State Farm’s policy that I bought into. Auto payments were on time, and I never filed a claim. Now I sit with a fairly new vehicle that will never run again due to parts that will never be manufactured again. Apparently, my full coverage doesn’t cover catastrophic explosions of faulty parts of the engine, nor what I have been suffering physically as a result of that incident that occurred while driving on the Turnpike at 65 mph with absolutely no warning signs, nor did my DIC (Dashboard Information Center) indicate that the vehicle was having major problems to warn me to get it to the dealership ASAP! Yes, I’m still with State Farm because I’m stuck with them until someone helps me with what, who, and where to go, as the car is still in a lien mode that was supposed to be paid in full in 2022. I’m afraid that I won’t get approved by any other insurance company with this situation that happened on Friday, April 7, 2023, and State Farm is still taking those monthly payments to this very day.

I would advise against choosing State Farm because they keep raising the price. I don't have any DUIs, I don't drive fast, and I've never had a wreck. I'm 52 years old, married, and my insurance is $427 a month.

Seeing how I saved 70% by going with someone else, it's obvious.

My bill went up $25 per month.

Had auto and home coverage for over 30 years. It's getting very expensive without any claims. Policies are very inflexible.

Excellent agents, but the company can’t get payments organized. Prices in Missouri are ridiculously high!

They are not transparent when they raise the rates. There is no explanation, no prior communication; they just appear on your bill. When you call to ask, the customer service is poorly trained to engage with clients.

State Farm tends to cancel insurance for those with even minimal claims, which can be problematic.

They raised my homeowner's policy by $600 without notice.

They kept increasing the cost of the coverage.

Research for better coverage and rates.

They count windshield damage against you, over which you have no control. Hence, I cancelled my policy.

The customer service is not satisfactory.