Is State Farm A Good Insurance Company? Reviews From Over 21,479 Customers

Price keeps going up. That’s the only issue I have. I’ve been with State Farm for a long time, but the price is getting out of hand.

So far, it’s going well.

Good company, but expensive.

Pricing is high, but the service is professional.

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.

Prices have gone way, way up!

Excellent customer service!

I’m happy with State Farm overall. My agent is responsive, payments have been processed correctly, and State Farm’s rates have remained reasonable.

It’s been very good; it just seems too expensive.

They took care of me and made sure I understood everything. They made it simple to get auto, renters, and property insurance.

Talk to the agent directly and let them know about your issues and any special items. I’ve had State Farm since I was 16, and I’m 81 now. They have responded.

They are customer-oriented and are quality people.

I’m very satisfied, but if I could get cheaper insurance, I would.

The State Farm office here in Scottsdale has a really good team.

My agent was awesome, but unfortunately the cost of the car policy was too high, so I had to make a change.

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.

State Farm is great, except for not covering homes in CA. The office personnel are personable and know who I am when I call. The claims department is good and fast.

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

It's nice and good. I'm just trying to see if I can get lower rates.

Their Drive Safe and Save option sounds really good, but even with that discount, my auto insurance went up over 30%. How is someone on a fixed income supposed to afford that?

My experience was pretty good.

Call anyone there; they’ll treat you well.

Rates are higher than most.

It’s a necessary evil, but my State Farm office makes it as painless as they can. I’m currently shopping rates because I haven’t checked in a couple of years. If customer service and available options were the only considerations, I would never change.

Very satisfied!

Excellent service, but the premium is high.

The coverage is very good, but the prices seem 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.

State Farm has been a reliable insurer for more than 40 years. Since my vehicle is 20 years old, I wish they would proactively discuss more cost-effective coverage options than my current full coverage.

Average.

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

It works for me, but I need a cheaper option.

I haven’t had any claims, but the pricing for car and home insurance has been good.

I would tell my friends about the service I received from my agency. They gave me information to contact Nikki. She is the best when it comes to customer service.

I have been with State Farm for a few years and have been very satisfied with them.

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.

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.

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.

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.