Is State Farm A Good Insurance Company? Reviews From Over 17,962 Customers

Excellent

Good experience - much cheaper than Farmers.

State Farm offers good coverage but is far too expensive in a competitive market.

Drive safely. Rates are good. The agency is very accessible.

OK with car, but my house insurance went up drastically.

I have had no claims or speeding tickets, but my rate keeps going up.

Good all around.

Poor prices.

Employees are friendly and knowledgeable.

I helped my sister get their insurance. At the time, they were the cheapest. I think insurance rates went down, and mine is the same as before. So I will be looking to buy from someone else soon.

Fair, not very great.

They keep raising monthly premiums every 6 months. I'm on a fixed income and have never had any claims. It's frustrating and hard to get a hold of them.

I am 74. I actually have an employee of the agency call when I have a premium due. I have a clean driving record. All of my vehicles have liability-only coverage and most have farm tags. It is not cheap. The online process to shop for insurance is daunting. What is real and what is BS? To disclose personal info to a bot or someone that cannot communicate clearly is downright scary. A high premium with State Farm is much safer and affords peace of mind.

They are amazing. I wish the policy we have wasn't so high. It could be more affordable for families.

My personal in-office experience could not have been better. However, the "Drive Safe and Save" program is confusing and difficult for multiple vehicles. We have three drivers on our policy; my wife and I both drive two of the vehicles, and our son drives one solely. Our discount is set to be discontinued because two of the vehicles are not registered, yet I have found no way to register myself on two vehicles, and our son is unable to open the app. This is not easy to navigate, especially when the responses and instructions from my local office are different from what I'm told on the phone. I will be in my agent’s office next week to try and make some sense of this situation.

Haven't had any claims to date. I get a good response from the agent when I have questions. However, the agent would not match the car insurance start date with the start date of the homeowner's insurance.

Always available.

I was disappointed with State Farm. They raised my policy rate too high and put me over my budget each month.

Average insurance, higher price, and no first accident forgiveness.

Expensive and no accident forgiveness (I have had no accidents).

I love my current car insurance and everyone that I’ve been in touch with by telephone. The customer service is flawless. They are very nice and very informative.

They didn't try to overcharge me on the premium.

Completely satisfied, though it's expensive. I shopped around and found no better pricing despite all the hype from other providers.

$100.00 a month is too much for my full coverage. I can't handle it much longer; I'm about to park my ride and catch buses.

I have been with State Farm for 50 years.

The service was very helpful. We would like to see more discounts for drivers that drive less than 50 miles a week. Thank you.

I've been with State Farm for 60 years. They have professional, personable agents and are price competitive.

Local customer service varies depending on who answers the phone. I think our vehicle insurance is too high, so I’m looking at other insurers. Our claim after a severe storm was handled quickly and without issues. Payment was quick. For that, they would get 10 stars.

Less expensive.

Always the best service and gives me the best discounts. Very excellent. 5 stars.

Very affordable.

Good so far. The price for insurance is okay. All insurance companies' prices are about the same.

I have a good relationship with my insurance company.

The agent and his staff are great and very helpful. State Farm is too confusing. Everything is digital, and it's hard to get a human who is helpful. I called many times and left my return number. When I did get a return call, they were not very helpful. I think State Farm is a good company, but you have to do most of the work! I still have State Farm. They're an okay company, and their agent was the most helpful.

Expensive but good coverage.

They are a company that cares about the customer.

Premiums are too high, but they are high everywhere.

Great, except they keep raising rates.

Great coverage and it's nice how State Farm provides linking coverage across vehicles so you do not overpay for the same coverage across multiple vehicles. If you pay for certain coverage on one vehicle, it is applied to all vehicles, which saves quite a bit of money.

Great company. Great customer service. Live operator. Great competitive rates.

Get coverage with no agent. Save money.

Great insurance company, but a little pricey.

Overall, I am satisfied with the product and service offered.

Good but still too expensive for basic coverage.

I had a car hit the back of my car while I was parked at a stoplight. My State Farm agent is further from me, and being a recent widow and not feeling well, I went to the State Farm agent close to me in East Dundee. The first agent was trying her best to help, but she was having some problems. The second agent came running over and yelled at me, saying I needed a report and I just could not walk in and ask for assistance without one. Being yelled at upset me, and I told her I had the report and I didn’t need her yelling at me because I was recently widowed. She didn’t say a word or look at me and left the office. What a big mistake I made going to this State Farm agent!

They are great to work with on all aspects.

Expensive, but good!

They are the least expensive and also they supply tow trucks. I have had to use one before with no extra charge.

State Farm had very reasonable prices when I first got my policy but has steadily increased. Just be sure that all the add-ons are what you actually need.

Good

I can't describe much because I don’t have a claim yet, but my rates go up every year even though I don't have any violations.

Great service! I just wish I could pay less.

Compare rates every 6 months as things change rapidly!

Always available and fair.

Good. No claims. Had them for 31 years. Just getting too expensive.

Lower price, same coverage.

I don't have much experience. Most matters are settled by phone.

I'm completely satisfied with State Farm and wouldn't change it.

I would recommend State Farm to anyone looking for good prices with coverage that fits their needs!

Readily accessible and helpful. Cost savings applied without asking. Friendly, knowledgeable staff. Rates are better than what I can find on the internet market. Very informative website.

Lower prices for drivers who drive under 3,000 miles a year.

They do not reply to my questions. My rate as a senior person who drives five to ten miles a week is high.

Coverage is average with above-average prices.

They raise rates very quickly. We have no accidents, excellent credit ratings, and our rates were still like those with high-risk insurance.

I've been with them for almost two decades, and they constantly raise my insurance rates.

Louisiana has some of the highest car insurance rates in the country, and as a consumer, I hate paying for mistakes others make. Unfortunately, State Farm still beats most other insurers' rates.

There are never any customer loyalty incentives. There are always rate increases, and the only explanation is that they're going up everywhere for everybody.

The rates are too high for me.

Make sure to review the authorized drivers because, in my experience with State Farm, they are making their own decisions to assign the driver even though they are holding a policy for themselves. I believe this is just so they can collect higher premiums.

It goes up in price with no notice, just up.

I have been with State Farm for over fifty years and still pay top dollar for vehicle and home insurance policies. One of my resolutions for 2026 is to switch carriers.

The price is through the ceiling, and unfortunately, they are responsible for allowing it to happen.

Car insurance has been okay. They just go up every 6 months.

It's always good to shop around. Our insurance has increased by almost $150 over the last 2 years.

Really nice people work there. Claim handling is excellent.

They are fairly good at communicating, but raising prices twice this year—15% last February and 25% this December—is ridiculous. The only explanation is that it's across the board.

Too high. I have car and home insurance with State Farm. I'm 77 years old and pay a mortgage. No accidents, only drive once or twice a week.

The premiums seem high on the auto side. The property coverage deductible is a bit high.

Their rates seem higher than other companies, especially when the agent’s commission is included in the premium. They were difficult to deal with when adding another vehicle, and in the three years I’ve been with them, I have never been contacted by my agent, only by staff in the office.

I would find a cheaper alternative like Geico. As soon as you have one mess up, even though you have been with them for more than twenty years, they will raise your prices. It's at the point where Geico is $150.00 a month cheaper.

I would tell a friend to look around. The problem I have is I can’t insure my travel van because it went triple what I’m paying for my car, and I do not drive the van every week.

I was told it would be less expensive than my current coverage, but the quote was $400 more!

Too expensive. I've been with them for over 50 years.

I am truly disappointed. I have been with them since 1987 and have never been so irritated with the cost of my auto insurance. Never have I paid so much and I don't use it. Truthfully, I have been trying to find a better deal elsewhere.

I was accused of an accident in 2022, and I didn't have an accident. But I've been getting charged for years, and they never told me about it. They just kept getting paid. I found out from another company. Very disappointed with State Farm.

Beware of large rate increases.

Too expensive for what you get for coverage.

Too expensive and no flexibility to lower costs.

Very slow in paying claims. I had to contact them three times to get my check.

Too expensive for liability and low-value car.

State Farm is very expensive and they won't work with you; they tell you to go elsewhere.

The service is poor, and they raise rates every 6 months.

Not good. I was told that my insurance was going to be $280.00 a month, but it was actually $494.00.

STATE FARM is good but expensive, especially for a 72-year-old man who’s been driving for so many years. I understand living in New York is expensive, but something should be done to lower the cost.

They're very expensive. Search around and compare.

They handle claims efficiently, but my cost for coverage has increased every single year.

The payment goes up every month on a six-month service. It's ridiculous.

The insurance claim was handled poorly. I had to get a claim estimate from the dealer and refused the offer from the insurance company. I am very disgusted with the whole procedure. It took way too long to pay on the claim.

I initially really liked State Farm. Then I bought a new truck and they gave me a quote which changed 3 times. It went from approximately $1K per year to over $5K. They said it had to be classified as a commercial vehicle when it's clearly personal. The DMV even has it as personal.

I didn't ever have to make a claim, so I don't know how they handle that. Customer service is pretty good until you check your bank account and discover that they took an extra $30 out on your autopay premium. No heads-up on the rate hike. No explanation for it. Nothing. For someone on a fixed income, scraping to make it from one payday to the next, this can break you. Then you're stuck with the overdraft charges, putting you even farther in the hole. Not good!

They have high rates and make mistakes. There was a refund on the app, so I claimed it. Now they're saying it wasn't right and I owe it back. I don't have the money, over $700. That's almost all I get in a month. So I will have to pay each month while I am in low poverty. NOT RIGHT! I've been with them almost 30 years and they do this to me.

Do your due diligence in knowing who you are going to be working with. I recommend Crystal Fray State Farm on S. 17th Street. I was there for a few years before I switched to another State Farm where a friend of mine works. I won’t name them, they are my friend, but the office as a whole doesn’t seem to have it together.

Is there supposed to be a veterans discount for all car insurance?

Overpriced and it just keeps going up despite no accidents or claims. I would suggest looking elsewhere.

The staff at my old State Farm agency were first-rate, but my price steadily rose every renewal, even when I had no tickets, accidents, or DWIs. I did have two claims: one for a cracked windshield caused by a hailstorm and the second when my 2023 GMC Sierra 4x4 was stolen. I paid just over $82k cash for it, and when it was stolen, I had less than 9,000 miles on it. I received $31,000 from State Farm for my claim.

The insurance rates are very high for the coverage offered. I was informed that the high rates are due to my age.

The price constantly goes up even though I haven't made any claims for 3 years.

The insurance rate just increased by 40%. My insurance agent's office did not return my voice messages.

They start out fairly reasonably, and then they keep raising it and raising it. We had a bad storm with hail and severe wind. I put in a claim, and they don't want to replace my roof; they want to repair it. All my neighbors have gotten new roofs, including my next-door neighbor who also has State Farm. The agent seems to be pocketing money off me.

State Farm was supposed to cancel my other auto insurance with Progressive, but they never did, costing me $400. I had two insurance policies for one month.

It's too expensive for someone like me who doesn't drive very often.

State Farm has always been good to me. My complaint is the significant rise in premium costs, although I haven’t filed a claim in decades.

Their prices are so high.

I feel that I don't have any tickets and have never had a ticket or an accident, yet my insurance is so high. One time, my agent charged me over $200 a month for three months, claiming I was behind on something. I've never been behind on a payment in my whole life. Then my bill went down to $139 and some cents. I told State Farm and my agent about all the money I have to pay for insurance and questioned how it was my fault when my agent takes my payment out of my bank account every month. Like I told State Farm, I'm retired and don't have a lot of money, and yet you charge me that kind of money for my insurance, even though I've been with you for years. I feel it's just not right to treat someone like that.

The premiums start out low until you're a customer, and then the premiums go up without hearing from our agent.

Expensive and impersonal at times when handling claims. As a long-term customer, I was treated like a new or non-long-term customer. I worked with corporate over the phone rather than with a local agency. Service in the past was more personal with a local agent, but in the past 5+ years, it has been dealt with over the phone with an agent who knows nothing of your history.

I’ve had State Farm insurance for approximately 45 years. Unfortunately, the service went down following the untimely death of my prior insurance agent. Gone is the personal attention and sense that the agent is acting in my best interest. I’m currently shopping for a different insurance company. State Farm’s rates are way too high.

If you have State Farm and you are a victim in an accident where the at-fault driver also has State Farm, do not believe the agent if they tell you there's no need for a lawyer. You will regret it! We were hit hard by a State Farm driver and were told there was no need for a lawyer. It was during COVID, and claims people were all working from home. Our claims agent was irresponsible and misleading. She told us and our State Farm agent that our claim was open and apologized for the delay in paying our medical bills, which were threatening our credit. She was not truthful and seemed unconcerned. After an endless hassle with everything—doctors, rental car, new car—we were nearing the two-year limit to settle the claim and were informed that "Sorry, we never had a claim filed." Our agent was stunned and also said, "Maybe you should get a lawyer," after leading us on for two years during my wife's recovery. We had no claim for all the incidental costs associated with our injuries and other losses. State Farm: "Like a bad neighbor, State Farm you wish wasn't there."

The reason I’m leaving State Farm is because I’ve never filed a claim and am a safe driver. We are older and don’t do much driving anymore, yet our premiums increase substantially each year without meaningful discounts. I never hear about any policy updates from our local State Farm office unless it's to tell me my homeowners insurance is underinsured, which I’ve known, but we cannot afford to just pay more money when a company decides for us that we need to increase coverage. The same thing happens with auto insurance; every year, there are increases. I just received notification by mail from State Farm of a $90 increase. I didn’t understand the legal terminology, which so many companies use knowing customers most likely don’t understand and many just disregard and pay increases. In this economy, and since we’re on a fixed income, I called our local office as instructed on the mail notification of an additional increase in costs of our auto and homeowners bundled policies. The young lady I spoke with couldn’t answer what warranted a $90 increase when we have had zero claims. When I was called by a local young lady at our office, I told her I was aware our home could use more insurance but that I can either eat or increase payments on premiums I’ve never even filed a claim on. She asked me when our roof had been replaced; it had been 3-4 years before. She was surprised, and I honestly thought that would go towards NOT increasing my premiums, but there was nothing. We had made several home improvements, painted the exterior recently, and replaced some of the window trim where it needed replacing. We only hear from the office when they call clients to try and get more money from people. It’s not rocket science. In this economy, people are looking to cut costs rather than keep overpaying companies who just make sure someone is there to do the readout on computers whether someone paid their premium or not. Looking over these insurance quotes for basic liability, which is all I can afford on the vehicles, and only one is driven much at all, even with a homeowners quote for one quote, at full replacement value of our home, as well as insuring all 4 of our vehicles, it’s cheaper than what I’d be paying State Farm for less. I was told by the young lady at our local State Farm that she would contact their billing department and find out why the $90 charge was coming. I never heard back from her. The entire insurance thing for many is a sham. All we do is pay premiums that increase annually, in spite of not even having to use it! God forbid the day comes when we do need it. The one time we had a twister plow through our neighborhood about 20 years ago, the insurance adjuster came and tried harder to NOT HELP me than he should have, clearly seeing the damage. It's like when you need it, it’s not easy to receive help for what you’ve been paying for all along. I refuse to pay State Farm just to take my money and increase annually on a whim. I’m looking for better coverage and less cost. State Farm is gouging people, and everyone I’ve spoken with who uses them says the same.

It's too high.