Is State Farm A Good Insurance Company? Reviews From Over 16,215 Customers

They are still less expensive than most.

They are too expensive for us seniors.

It is very competitive with other major insurance companies. My claim for the house was handled efficiently last year. Then State Farm sent a letter to inform me of no renewal for the homeowner policy due to the large claim from water damage. We had to find another insurance company for coverage within a month.

Excellent reputation.

They are nice and helpful, but it’s really expensive. I’m a new widow and only have one income now. I’ve been with State Farm for about 25 years.

I really like State Farm a lot. I haven’t had any problems with them. Thanks.

Sign-up was easy, and everything was done electronically online and over the phone.

Good at handling claims, but not great on cost.

I have been insured with them for years. I had one water damage claim, and it was handled very well!

Know your agent, pay your premium on time, and don’t have an accident.

I love State Farm, but they don’t offer SR-22 insurance.

I have been with State Farm for over 30 years. In all that time, I only had one claim for a roof replacement due to hail. The customer service in the claims department was not as great as I expected, but in the end, I did receive a roof. Over the years, I’ve called other companies directly to compare rates, and no one was able to reduce my home and auto enough to justify switching.

Shop around; they raise prices every 6 months.

You get to talk to a real person and not AI automated systems.

Too high priced but good service.

Your coverage is costly.

I have been a State Farm customer for more than fifty years. I do feel your prices are just a little more than they should be for someone who has been with you for the number of years that I have, but I have never had a problem and will continue to keep State Farm for my insurance needs.

The office is great, but trying to start up their app is beyond ridiculous.

Always a pleasure to work with the team at the office.

Extremely good price and great agent.

Great service and great pricing.

My agent has been very good, but the prices are very high.

The prices are always lower when I check to compare. I wish they would take into consideration how rarely I drive. My truck was purchased in August 2023. I have under 6,000 miles. I should get a 25% discount at least.

Good coverage on auto and home, but it is getting way too expensive to keep.

All my claims were handled properly.

I have had good experiences with my in-office people here in town, but when it comes to claims, I've had a 50/50 experience. One claims person made me feel as if my son was at fault for an accident he had because when she reached out, he didn't answer her or call back immediately. When I tried to explain to her that he had two jobs and worked seven days a week, she didn't care. Also, a claim was paid out in this same incident, but I was never told for how much or any details of the negotiation process. I felt like, if nothing else, my son and the person involved should've both been held accountable.

Excellent service.

They have always been very nice to me.

What's great is the agent/office I use. They are responsive and prompt. My issue is the cost of auto insurance, so I'm shopping around right now.

They handle claims well, but they stick you with the premium payment!

State Farm was okay, but the agents are "captive," meaning they can only sell State Farm products, so there are no other choices. Their prices have gone up a lot.

I have had no issues. Great agents. No one else will write a policy quote for my area.

Good service and they handle insurance claims well.

Better coverage than any insurance company out there.

Make sure to find out if they are fair and don’t overcharge. This is my second office; the first kept jacking up my account. I left to find one that wasn’t money-hungry.

Rates are too high for seniors.

Way more reasonable than I first realized.

They have maintained their premium rates with only small increases, unlike other insurance companies I have been involved with.

They treat me like family.

Seems to be cheaper than anybody else, that's for sure.

They were very good. I am well pleased.

State Farm offers good coverage but is pricey.

Great customer service.

I'm a customer of 40 years and have never had a ticket. I have had 3 claims over my time with them. I believe my rates are expensive.

They are very nice and pleasant.

I had a recent accident. State Farm covered it with no issues.

Very good. I paid $65 a month for my 2014 Mustang.

They do a fairly good job. They could use improvement in follow-up.

Watch their quote versus coverage. They lower the levels to offer a more attractive rate.

I have been with them for 63 years.

I personally have only had good experiences so far with excellent customer service.

Rates go up every renewal. It's ridiculous since I’ve had no claims.

The team is a fine-tuned organization that treats everyone as a friend. Janine is an excellent agent. She and her staff easily share everything a person needs, ask, and are generally very client-oriented.

State Farm charges very high rates. The agent never contacts you to discuss the policy; you have to call them. The agent has only talked to us in person once when he signed us up for insurance. Double-check charges. First, we're told a policy is canceled, and then it's back on again. Also, vehicles were put down as work vehicles that weren't because it is a dually, and you don't use a dually for personal use. We asked that it not be listed as work as we have a work vehicle, and it has taken them a couple of months to send it through processing. Still don't know if it is listed as personal or work because nobody calls to tell us. Make sure you get a company that communicates effectively. Also, if State Farm can spend millions of dollars on a 15-second commercial for the Super Bowl, why can't they drop rates? This is not fair. If they are in the blue, why not pass it on to the customer? We are the ones that put the money in there.

My overall experience has been excellent, except for the price.

My agent has been very attentive in addressing my needs.

I've had no problems. Rates had a slight increase this year.

Their cost of insurance goes up and up even though I have been a long-time customer, have had all my insurance needs met by them, and have not had an excessive amount of claims. Insurance is like everything else; it's becoming unaffordable.

I found State Farm with the coverage I wanted on my home and two vehicles at a better price than most.

Discounts are disappointing. We have never had an accident or a violation. We've never had any kind of claim, but that does not seem to have any bearing on the rate we pay, which I feel is way too high!

Avoid them. They almost doubled their prices. They don't return phone calls.

I pay $77 for liability insurance, which I find too expensive.

Always there to answer questions. Rates are too high. No senior citizen discount that I've been told about. Willing to deny claims too readily.

Rates are too high for me, especially since I'm on a fixed income and receiving SNAP benefits.

My premium goes up almost every month. I'm the only one on my policy and have no accidents or tickets, and I'm paying $139 just for liability. I know it's because of my credit score and not my driving record, which I feel is very unfair to me. I'm a good driver with a low credit score due to a separation. It's truly not fair.

I'd like to switch to an internet insurance company, but what worries me is the lack of personal interaction if I have a question. My two trucks are getting older, but the insurance premiums keep going up. I know that the agents have to make money, but for as long as I've been with this company, I feel like I've paid enough salaries. I guess I just have to get accustomed to the internet or find another office that doesn't have a huge turnover of staff. Five years and I've never seen the same agent twice.

Their auto rates are extremely high compared to other insurance companies.

Rates are too high for a retired U.S. Army veteran. I will be seeking new coverage in the near future. I'm fed up with this company.

I went to my local office to file a claim for my windshield. I was informed that I needed to do it myself. Then I tried to provide my mileage, and got the same answer. So, I question why I don’t have insurance with an online company?

Decent coverage at premium prices.

It was great for years, but now it doubled on a vehicle I bought that's 23 years old. That's ridiculous.

Shop around. They keep raising rates for no reason. I have a clean driving record, I'm 59 years old, and have had no accidents, but my rate has doubled in 4 years. Do your homework.

Shop elsewhere; the rates are exorbitant by comparison.

They start off with a good rate, but then almost every month the rate changes. Rates also go up fast.

I believe State Farm is overcharging me, and I have been a customer for 60 years.

State Farm has been good to me for many years, but they constantly keep raising my rates. I am forced to go find better insurance.

Disorganized, unpredictable, chaotic, and nontransparent. The ladies were nice though. They answered questions via email pretty quickly, but the answers were not clear and were muddled.

The rates are too high, and they charge $10 if you are 5 days late. I thought it was 10 days. If your car is over 8 years old, the rates should be going down, not up.

Overcharged. When filing a claim, they do nothing other than fail to answer the phone, and we have to do everything. Consider finding another insurance company. Not State Farm.

Claims are handled quickly. Rates remain steady or increase with each renewal, even with no claims filed. There are too many high-profile endorsers for their commercials, and I believe rates are based on this.

I had one incident in a decade, and they tossed me under the bus. Four rate increases in one year without notification or reasoning. I never received a notice about easily overlooked renewals and updated cards. Need I go on?

They continue to raise rates annually with no reason for the higher cost. When you call to question the higher costs, you don’t get any answers.

The representative doesn’t get back to you, and the rates keep going up.

No service from the agent, rude office manager, and an appointment needed for any reason. I don't like the State Farm premium changes and find it difficult to understand the actual premiums. Too much contact from State Farm, and again, the agent's office is not customer-friendly.

State Farm is too expensive for me. I am paying $825 for 6 months of coverage.

Despite my perfect driving record, they keep raising my rates, claiming "it's all the other (bad) drivers."

Their website is very difficult to use. They will not return a call. My rate continues to go up, but I drive less than 40 miles a week. I've had no accidents, tickets, or DUIs. I have no claims. I'm over 50. This newer truck has a ton of safety features. I'm looking into changing ASAP.

In my 30 years (+ or -), I have never received a phone call from my agent. Why would State Farm increase my car insurance rates because of a claim this year (2025) which was less than $5,000? My car insurance more than doubled from 2024 to 2025 ($1,400 to $2,900 respectively). Age discrimination? Absolutely, I am 82 years old. P.S. I have never had a claim on my homeowners insurance.

Fair. I had them for five years and rates are getting expensive.

They raised my rates each month for 4 months! I've been with them for 20 years.

They raised my auto insurance after 6 months and raised my home insurance after 1 year.

I consider it very expensive for minimal coverage.

Every time I renew, my policy premium goes up.

Keep copies of all correspondence and policy updates/changes. They want you to verify your coverage every 4 months. I removed PIP from both of my vehicles in February, and they kept it on my policy and charged me for it every month until August. That was with me going into the office at least 8 times to get it corrected. The agent kept telling me the problem was with underwriters. Never going back to them again.

They don’t care about you. Your rate will increase five times more than it should without any DUI or accident.

They raise the premium constantly.

I am disappointed with the results of filing a claim and also the misinformation about being informed that the rates were going down, only to see them rise.

My agent is actually only concerned with the State Farm tracking devices on my windshield. I’m sure the company is forcing him to make that a top priority. Auto insurance premiums could be better, but homeowners premiums have become outrageous considering we’ve never made a claim! I am actively looking to replace State Farm!

Rates go up all the time.

The staff is wonderful, but the costs are too high!

Their rates are too high.

Pricing could be better now that I am researching prices. Great customer service from the local office staff.

The price increases almost every month. Very expensive.

The price just keeps going up.

They only care about money and they increase my insurance every 6 months. I started out at $120 and now my insurance is over $200 a month.

They issued a policy binder and collected money, but two weeks later, they wanted more money. It feels like a bait and switch game.

Good but keeps raising my policy.

Constant price increases are never a good thing.

Absolutely painful. Exactly what you think of when discussing insurance companies. The agent is super active to get you to sign up, disappears entirely while you are a customer, and won’t get involved at all when you need something, but tries to be your best friend when you move to cancel.

I removed all the trees in my yard to reduce loss vulnerability from storm damage and put a metal roof on the house. I hoped to get some kind of rate reduction, but I did not get a reduction.

They are alright. Right now, I'm at $156 for car insurance. Can you do better?

Too expensive. No consideration or discount for being a veteran, very high rate even for 2 vehicles, although you can only drive 1 at a time. And apparently, they have no discount for being a senior with no violations or accidents since I started driving in 1968.

Since I got my new car, my insurance went from $90 a month to $195 a month. I'm not happy with it.

My family has been driving for over 70 years. Dad has had 1 accident, Mom no accidents, me 2 accidents not my fault, and my son no accidents. No accident claims with State Farm, which we have had for over 20 years, but rates keep going up. We bundle 2 vehicles and homeowners, but can't find a company that will reduce our monthly premium.

They and others are too expensive. I have one homeowner's claim in 37 years of home ownership and still pay too much.

They were competitive at first but gradually kept raising prices, even though we never filed a claim. When we did have a hit-and-run claim, they were a nightmare to deal with. The body shop, as well as myself, had to fight with rude adjusters to be compensated fairly. I am still fighting for a $43 claim for rental reimbursement. It's been a pain!

Too expensive, excessive mail, and don't be late with a payment or they send a cancellation notice. I've never had a claim, so I wouldn't know about that part.

Get estimates from body shops that have no affiliation with State Farm. They lowball you under your deductible so they don’t have to pay out as much. Check your policy to make sure it covers what you requested. When I first got my quote, I asked how much more it would be if I was driving for Uber. They quoted me a higher amount, which I agreed to. Then I decided to quit driving for Uber. I called to have it removed to lower my rate, and they said I didn’t have that coverage.

Don't waste your time. Good price to start, then raised $20.00 to $50.00 per month after month until I called and removed some options.

Communication was low, and my rate increased by 23%.