Is State Farm A Good Insurance Company? Reviews From Over 20,724 Customers

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.

Great.

Excellent.

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.

Awesome.

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.

Hope you get an honest agent. Many will write a policy and not give you what you actually need.

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.

I need a new quote.

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.

State Farm had the best prices for comparable coverage.

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.

State Farm is so fast and efficient!

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.

Friendly, informative, helpful, and courteous.

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.

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

Everything is excellent except the cost.

We like State Farm's friendly, small-town insurance feel.

It's good.

I can’t comment yet... it will take a little time until it's proven how they will handle things. A few days past is not fair to say so.

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.

No claims, but expensive.

Their prices beat every insurance company that I called.

I'm pleased with State Farm. I shop rates often and no one beats them for my needs.

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

They keep raising their prices.

Prices vary, hard to price.

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.

I can't describe it, but they just charge me a little too much each year.

Good customer service, but pretty significant rate increases, with no claims!

My biggest complaint is their customer service, or lack thereof. Just hope you never have to use it unless you want to get yourself very frustrated. For example, they put me on this Drive Safe and Save program, which was supposed to lower my bill. Well, for the first couple of renewals, my bill was lower. In fact, the bill before last went down about $55 or $60. But this current bill went back up about $60. After spending two afternoons trying to get someone to talk to, they told me that my beacon wasn't working and that's why they took my discount away. I said, how was I supposed to know that? I have one installed in each of my vehicles as per their instructions. If it wasn't working, that's their problem; I didn't make the equipment. So I said, well then, seeing that I didn't know it malfunctioned, I should still get the discount. They said they would check and get back to me. Guess what? I never heard a word. They were very nice to me about 5 years ago when I signed up for my 2 cars and house insurance. Their phone is never answered by a human, which I think is a bunch of nonsense. Right now, I'm ready to say "GOODBYE STATE FARM."

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.

Saved a lot of money with the same coverage.

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

They are great in every respect, with the exception of the fact that both my house insurance and car insurance are at or over $200 a month each!

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.

They increased my auto insurance by $40 more a month and my home insurance by $10. No claims on either. I'm driving a 20-year-old car and paying $168.

The premium is not really costly, but the discounts could be better.

Way too expensive, slow to respond.

They have started raising my premium for no apparent reason.

Definitely shop around due to constantly increasing premiums without any claims against the policy!

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.

Good service but overpriced.

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.