Is State Farm A Good Insurance Company? Reviews From Over 19,155 Customers

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.

Good communication.

State Farm has high rates.

Good. They are always available.

Customer service is excellent. Insurance premiums are better than average, but not as low as they should be.

Coverage is excellent, and customer service is among the best compared to most providers. The cost is high, but you get top quality.

I drive only 5-10 miles a day with no highway driving, and I have two vehicles insured. The premiums are way, way overpriced.

I have been with them for over 50 years for both auto and homeowners insurance. The service has been good; however, the price is high!

Professional and efficient

My agent is in a brick-and-mortar office close by (and not in another state or country). Also, my agent worked with me to get a good rate. I also like the State Farm "beacon" device that monitors and rates my driving—I found this actually has made my driving habits improve!

Get State Farm as car insurance, especially if you want a price that you can handle.

Costs too much.

Excellent! I do wish I got a bigger discount for driving only a few miles every six months or within each year.

The car insurance is okay but expensive.

Customer service is excellent; however, the price of the insurance is quite high. You could get it cheaper if you bundle with homeowners or renters insurance.

No accidents, so no one-on-one interaction. I get a bit confused sometimes about my coverage options, but if I call, my questions usually get answered okay.

Other than finding them to be more expensive, I have no problems. My agent is great.

Excellent. Haven't had any issues of any kind. Would highly recommend.

Generally good and the local agency is very helpful.

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.

They are so-so. They seemed more interested in selling me life insurance. I thought they were very expensive considering I've never had a ticket or accident. I wanted to just have liability to save money, but I was told it would only be $30 less.

Monthly rates go up without any explanation in the middle of the night. I am seriously thinking about looking for car insurance somewhere else.

My broker has not responded, and the rate is high.

Stay away from SF, Allstate, Progressive, and all the major companies as their insurance rates are going sky high. I think what you need to do is go for something mid-sized or, if you can find a small company that actually pays claims and provides good customer service, that will be best. Otherwise, if you go with the small ones, you’ll be hit with all the fly-by-nighters.

They need to make their billing easier to understand. What they are doing now is very difficult to comprehend. They should automatically give discounts if you are a loyal customer and quit showing a huge profit for the agent. Give back to the customers; we pay enough in premiums.

State Farm has an incredibly easy claims process, and I think you pay extra for some of those features. I personally used a broker for our policy, and I’m not sure if she was the issue or if State Farm was also, but we had a claim on one policy, and State Farm proceeded to drop us from all of our policies, even the one that was not involved in the claim. No one told us, and we were dropped last minute because of it. One of my vehicles was also up for renewal, and we were not informed there was a form to be signed, so I went uninsured for two weeks without knowing. Really bad experience and will not be using State Farm ever again as a result.

I've been with State Farm since 1959—that's 66 years. How much money do you think I've paid into this company? Your prices are way too high for us seniors and your loyal customers. I've had all my cars and home insurance with State Farm all these years. I have always owned three or four cars insured at a time. I am retired and live on my Social Security and pension. I am shopping the marketplace for better-priced insurance. The internet is bombarded with all kinds of bargains. Insurance is just a scam that I've put up with for years.

They keep raising the insurance price, and their answer for doing so is ridiculous because of the area where I live. I have to move for my rates to go down. Where do I have to move to? I like the people there; they talk nicely to you and are very helpful, but it's just not fair with the rates.

Not happy, but it seems to be lower priced than others. No claims filed, so I don't know. Discounts should be more with incidental mileage, and while I have a credit score over 800, it should not apply to insurance companies. Why? You pay and you get insurance; you don't pay and you have none. For those with lower credit scores, it usually means a higher premium. Just a way for all insurance companies to make more money. They never lose, you know.

The cost is high compared to other insurers.

Don't use State Farm. I had one accident last year. I backed into a tree in my driveway. It was the only claim I had with them after having them for quite a while. That increased my insurance by over $200 in June, then again this December to $771 for 6 months. I drive 5,000 miles a year. Is that reasonable? I called them and they wouldn't work with me, saying it was because of the accident. It wasn't a major accident with any person injured and the damage was only to my car's driver side.

I've been with State Farm for over 30 years, combining home and auto policies. I've never filed a claim, had no accidents, and received no tickets. Yet, my rates continue to climb ridiculously with every renewal! It feels like my agent gets rich while we get drained.

I traded a 1998 Escort for a 2005 Lexus ($1700), and State Farm doubled my rate.

My insurance went up 50% for a minor fender bender where I was going no more than 3 miles per hour.

Constantly increasing rates every 6 months on auto and every year on home with no explanation other than "it's going up everywhere," which is not true. No discount options, no disappearing deductible, basically no perks, and this after being a customer for almost 20 years. Tired of their nonsense.

It's OK, but I feel that I'm paying too much.

Drop comprehensive coverage on cars over 5 years old. Payout amount is very small.

Too expensive for a perfect driving record.

They used to be a good company. My agent passed away, and now the new agent is charging more for less coverage.

Look for cheaper coverage. They increase prices all the time with no reasons given.

Since 2021, my insurance has gone from $311 for 6 months to $906.22. No claims and no tickets in that time frame. Not to mention, I retired in 2021 and now I drive less than 4,000 miles a year. I feel like they are stealing from me.

Rates are too high.

For six months, it was good. After that, they increased the premium without notice, which is deceiving.

I've been with State Farm for 50 years, and they've raised my rates twice in one year. I even took the 10% discount class, and my rates still went up.

I've been with them for over 30 years. The agents made plenty of money, but they weren’t much on service. They offered to check odometer mileage but never checked it after the first notice when they wrote it off the odometer. Now I’m a senior at 73 and don’t travel much, just locally to the grocery store, and that vehicle sits more than it's driven. It's a 1998 Dodge pickup.

I have never had an accident or a ticket claim. I would tell them to shop around.

I would tell a friend to get quotes from other insurance companies because State Farm does not offer the best prices. Also, if you have the misfortune of filing some claims, be prepared not to be renewed. State Farm wants only to collect money, not pay it out!

Don't use State Farm. My insurance has gone up within a year by over $90. Every six months, it goes up an additional $30. I have an excellent driving record, and I'm 59 years old. I thought your insurance goes down as you get older. I asked why, and their remark was 'maintenance.'

Sometimes car insurance rates increase without notice.

For being a loyal customer for over 30 years, we get no discount. Instead, they keep charging us $60 more for each car every 6 months, and our home insurance also keeps going up by $100 each year. We have never had a claim on our cars or home. When I questioned them about why they keep raising my rates, they said it's because more people live in my area and building materials have gone up. This is not an excuse to me. They also said they don't give discounts for seniors either.

Go with someone cheaper; they're too expensive.

State Farm is what I have now. It suddenly went up $110 more with no explanation as to why.

No need for a local agent. Although they were very sympathetic, I was told to file my claim online. I didn’t know what I was doing and, thus, I was paid less than 40% of what it cost to get my car repaired after a hit and run.

The monthly charge goes up every month. There's little to no help on the phone regarding issues. They rely on the in-car driver monitor to give discounts, which is so annoying! They expect you to fix it, but it's not my job, it's theirs. The rate goes up even when your car gets older, and they know they are not paying out when there is an accident.

I have had 1 accident in 15 years and I had to pay $500.00 to cover that. With 0 infractions and only driving 30 miles a week, I never received any reduction in premiums. I also had renters insurance and was told by the agent I was covered for inside and out, but when I made a claim, I was told I wasn't covered.

Not bad, but not 4 stars! Too high priced and not super friendly or explanatory.

I was canceled for using a policy twice in two years, even though we were with them for eight years. You can have insurance and pay a lot, but don't you dare use it!

For someone who drives less than 75 miles per week, has had one accident in the past 25 years, and never had a DUI, I find your rates outrageously expensive.