Secured with SHA-256 Encryption
Select Page

State Farm Insurance Review

FREE Insurance Comparison

Compare quotes from the top insurance companies and save!

Secured with SHA-256 Encryption

Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

Full Bio →

Written by

UPDATED: Aug 6, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

State Farm Insurance
Premiums
Claims
Feedback
Financial Strength



Compare Insurance Quotes

Secured with SHA-256 Encryption
State Farm Insurance OverviewStats
Year Founded1922
Current ExecutivesCEO - Michael L. Tipsord
CFO - Jon Charney
Number of Employees58,000
Current Assets$241.183 billion
Headquarters Address1 State Farm Plaza, Bloomington, IL, 61710
Phone Number1 (800) 782-8332
Websitehttps://www.statefarm.com/
Premiums Written (Auto, 2017)41,817,416
Loss Ratio (Auto, 2017) 68.79%
Best ForBundling, good drivers, drivers with good credit
Get Your Rates Quote Now

State Farm is arguably the best know personal insurance company in the U.S., but what isn’t arguable is that they’re the biggest. More Americans choose State Farm for their home and auto insurance than any other company.

In 2017, State Farm held the number one spot for property and casualty insurance across all lines, according to the National Association of Insurance Commissioners’ (NAIC) report.

It’s big.

But does being the most popular choice make them the best? More importantly, does it make them the right choice for you? There are a lot of factors in choosing the right insurance company, including price, customer service, and policy options.

You need to know not only that lots of other people have chosen State Farm, but whether or not you should. That means a lot of careful research, and you don’t have time for that.

We’ve got you covered, and we’ll help you decide whether State Farm should have your car covered.

We’ll go over where State Farm ranks in terms of their reputation and financial stability, how their rates stack up, and what they offer you in terms of coverage and options.

State Farm Ratings

Below we’ve put together ratings for State Farm from some of the biggest resources. They include both financial ratings and consumer surveys, along with complaints information.

Take a look at the ratings, and we’ll explain them further below.

AgencyRating
AM BestA++
Better Business Business Bureau (BBB)A+
Moody'sAa1
S&PAA
NAIC Complaint Index 0.57
JD Power Claims Satisfaction 3/5
Shopping Study 3/5
Consumer Reports‎89
Consumer Affairs4/5
Get Your Rates Quote Now

First up is AM Best, which ratings companies for financial stability and credit-worthiness. State Farm has its top rating, an A++ or Superior score. What that means to you is that State Farm has the financial resources to stay in business and take care of their responsibilities – which to their policyholders means paying claims.

The Better Business Bureau (BBB) gives insurance companies a letter grade based on several factors. Among these are the number of complaints filed against the business and how the company responds to and resolves those complaints. State Farm again has the top score – an A+.

The BBB lists 1,425 complaints in the past three years. That’s not such a big number when you consider that this is a really big company and that the complaints encompass all lines of business.

The next two rankings come from two more financial rating services, Moody’s and Standard and Poor’s (S&P).  State Farm performs really well with both, confirming that the company is on solid financial footing.

State Farm’s complaint index recorded by the National Association of Insurance Commissioners (NAIC) is a 0.57. This is a measure of the number of complaints compared to the direct premiums written. That’s well below the national average of 1.16.

Most people have heard of J.D. Power, which rates companies in several industries and passes out awards to those with the best score. They do several surveys of auto insurance company customers. The two national surveys are for auto insurance shopping and claims satisfaction. State Farm earns three out of five on both. That’s about average.

State Farm didn’t earn top marks in any of the regional surveys but did perform very well in both the New England and Southwest regions.

Consumer Reports ranks State Farm at 89 out of 100 on their customer survey scale. That’s the same score as competitors like Geico and American Family.

Finally, State Farm has four out of five stars on consumer complaint site Consumer Affairs. That’s based on the 2, 241 ratings submitted in the past year. That’s impressive given the fact that most people visit sites like this one to complain.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Company History

State Farm was founded in 1922 by a retired farmer and insurance salesman by the name of George Jacob “G.J.” Mecherle. The initial focus of the company was auto insurance for farmers.

Over the following decades, the company expanded beyond just farmers and into other lines of business. It also expanded operations beyond its home state of Illinois and into other states, eventually covering the entire country.

In the 1950s the company created its three-oval logo, which features the three main lines of personal insurance they sell – auto, home, and life. While it has gone through some changes, it remains very similar to the original. Today’s logo features the ovals but not the words.

Aside from those three lines of business, State Farm also writes business and specialty insurance policies. In 1999 State Farm opened its banking and financial services branch as well.

State Farm today is one of the biggest companies in America. It ranks at number 36 on the Fortune 500.  The company employs nearly 57,000 people and has more than 19,000 agents.

Market Share

In 2015, State Farm had 18.29 percent of the market share for private passenger auto.

That dropped to 18.26 percent in 2016, and again to 18.07 percent in 2017.

During that time second-place auto insurer Geico increased its market share, sneaking up on State Farm but still more than five percent behind them. That leaves State Farm solidly in first place.

Sales Approach

State Farm uses a captive agent model to sell insurance. Their agents work only for State Farm, and they are the only ones that can sell you a State Farm policy.

State Farm has moved into the modern age and allows the purchase of car insurance policies directly online. The policy will still be assigned to an agent, however, and that agent will be the one that earns the commission for it and handles all policy administration.

Commercials

“Like a good neighbor, State Farm is there” became the company’s slogan and jingle in 1971. It was first performed by none other than Barry Manilow. Although the company still uses the good neighbor promise, the new slogan is “Here to help life go right.” They still use the melody of the original jingle.

Like most insurance companies, State Farm’s commercials today inject some humor into insurance claims. Their 2019 Super Bowl commercial is a perfect example of that.

https://youtu.be/TRL41ufljrg

They have also featured celebrities in their commercials, such as comedian Ken Jeong and NFL football player turned actor Terry Crews. American Idol contestant Lauren Alaina has also done a series of commercials for State Farm. They don’t, however, have a true celebrity spokesperson.

Community Service

State Farm gives back to communities across the country through programs like grants, scholarships, and volunteerism.

In 1963, State Farm established the State Farm Companies Foundation. It provides support for scholarship programs and gift matching on employee contributions to educational institutions and charities.

The Good Neighbor Grant Program provides grants to employee chosen nonprofits, both on an individual and team level. Grants are given on behalf of any employee that volunteers at least 40 hours a year with a charity.

They also sponsor the Neighborhood of Good program, which is dedicated to encouraging volunteer efforts.

Position For the Future

While State Farm’s market share has been eroded over the years as direct buy companies have become more and more competitive, there’s no reason to think the company will change.

State Farm has a wide variety of products and services and the size and finances to back them up. It’s likely they’ll keep on doing what they have been doing for nearly 100 years and continue to see success.

Employee Demographics

You might not be looking for a job at State Farm, but knowing how their employees feel about the company is useful information. After all, a company that takes care of employees also takes care of customers.

According to Payscale‘s data, the average age of State Farm employees is 36, and they have an average tenure of three years. 70 percent of the employees surveyed said they have a high level of job satisfaction with State Farm.

Employees surveyed gave State Farm an overall 3.4 out of five for satisfaction, which is the same grade given to major competitor Allstate.

Over on Glassdoor, State Farm has a rating of three out of five. Only 42 percent of the employees surveyed said they’d recommend the company to a friend.

Awards and Accolades

For 2019, State Farm was awarded a place on several employment best-of lists:

  • Top 100 Military Friendly Employers (G.I. Jobs Magazine)
  • 100 Most Admired Companies (Fortune Magazine)
  • Top Companies for Executive Women (National Association of Female Executives)
  • Corporate Equality Index 100/100 for LGBTQ employment (Human Rights Campaign)

In 2018 they also won several awards, many for diversity:

  • Top Company for Women Technologists (AnitaB.org)
  • The Best Companies for Latinas (Latina Style magazine)
  • Best Companies for Diversity (Black Enterprise magazine)
  • Best Companies for Multicultural Women (Working Mother magazine)

Cheap Car Insurance Rates

State Farm isn’t generally seen as a cheap car insurance company, and they don’t advertise that way. They’ve always focused more on what they offer in terms of service and coverage than on their rates.

That doesn’t mean State Farm is expensive.

Like all insurance companies, rates vary quite a bit depending on where you live and based on rating factors like your driving record. Next, we’ll take a look at average rates for State Farm based on several scenarios, and compare them to other top companies.

State Farm Car Insurance Rates By State

The numbers below show State Farm’s average rate in each state, and how it compares to the overall average cost of car insurance in that state.

State Farm only comes in above average in nine states and is below average in the rest.

StateState Farm Average RateHigher/Lower ($)Higher/Lower (%)
Alaska$2,228.12-$1,193.39-53.56%
Alabama$4,798.15$1,231.1925.66%
Arkansas$2,789.03-$1,335.95-47.90%
Arizona$4,756.25$985.2820.72%
California$4,202.28$513.3512.22%
Colorado$3,270.77-$605.63-18.52%
Connecticut$2,976.24-$1,642.68-55.19%
District of Columbia$4,074.05-$365.20-8.96%
Delaware$4,466.85-$1,519.48-34.02%
Florida$3,397.67-$1,282.79-37.75%
Georgia$3,384.88-$1,581.95-46.74%
Hawaii$1,040.28-$1,515.36-145.67%
Iowa$2,224.51-$756.77-34.02%
Idaho$1,867.96-$1,111.13-59.48%
Illinois$2,344.88-$960.60-40.97%
Indiana$2,408.94-$1,006.03-41.76%
Kansas$2,720.00-$559.62-20.57%
Kentucky$3,354.32-$1,841.09-54.89%
Louisiana$4,579.12-$1,132.22-24.73%
Maine$2,198.68-$754.60-34.32%
Maryland$3,960.87-$621.83-15.70%
Massachusetts$1,361.86-$1,316.99-96.71%
Michigan$12,565.52$2,066.8816.45%
Minnesota$2,066.99-$2,336.27-113.03%
Missouri$2,692.91-$636.03-23.62%
Mississippi$2,980.48-$684.09-22.95%
Montana$2,417.74-$803.11-33.22%
North Carolina$3,078.65-$314.46-10.21%
North Dakota$2,560.53-$1,605.32-62.69%
Nebraska$2,438.71-$844.97-34.65%
New Hampshire$2,185.46-$966.32-44.22%
New Jersey$7,527.16$2,011.9426.73%
New Mexico$2,340.66-$1,122.98-47.98%
Nevada$5,796.34$934.6416.12%
New York$4,484.58$194.704.34%
Ohio$2,507.88-$201.84-8.05%
Oklahoma$2,816.80-$1,325.53-47.06%
Oregon$2,731.48-$736.29-26.96%
Pennsylvania$2,744.23-$1,290.27-47.02%
Rhode Island$2,406.51-$2,596.85-107.91%
South Carolina$3,071.34-$709.80-23.11%
South Dakota$2,306.23-$1,676.05-72.67%
Tennessee$2,639.30-$1,021.59-38.71%
Texas$2,879.94-$1,163.34-40.39%
Utah$4,645.83$1,033.9422.26%
Virginia$2,268.95-$88.92-3.92%
Vermont$4,382.84$1,148.7126.21%
Washington$2,499.78-$559.55-22.38%
West Virginia$2,126.32-$469.04-22.06%
Wisconsin$2,387.53-$1,218.53-51.04%
Wyoming$2,303.55-$896.53-38.92%
Get Your Rates Quote Now

The cheapest state to choose State Farm as your car insurance provider is in Hawaii, where they come in 145 percent below average. They’re also well below average (more than 100 percent) in Minnesota and Rhode Island.

New Jersey and Vermont are the most expensive states with rates about 26 percent above average in both.

State By State Comparison By Company

Below you will find rates for the top ten companies in each state, State Farm among them. State Farm frequently out prices even the companies that advertise themselves as the cheaper option – like Geico and Progressive.

StateAverage Annual PremiumsAllstateAmerican FamilyFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Alaska$3,421.51$3,145.31$4,153.07Data Not Available$2,879.96$5,295.55Data Not Available$3,062.85$2,228.12Data Not Available$2,454.21
Alabama$3,566.96$3,311.52Data Not Available$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Arkansas$4,124.98$5,150.03Data Not Available$4,257.87$3,484.63Data Not Available$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
Arizona$3,770.97$4,904.10Data Not Available$5,000.08$2,264.71Data Not Available$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
California$3,688.93$4,532.96Data Not Available$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Colorado$3,876.39$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77Data Not Available$3,338.87
Connecticut$4,618.92$5,831.60Data Not AvailableData Not Available$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
District of Columbia$4,439.24$6,468.92Data Not AvailableData Not Available$3,692.81Data Not Available$4,848.98$4,970.26$4,074.05Data Not Available$2,580.44
Delaware$5,986.32$6,316.06Data Not AvailableData Not Available$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
Florida$4,680.46$7,440.46Data Not AvailableData Not Available$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67Data Not Available$2,850.41
Georgia$4,966.83$4,210.70Data Not AvailableData Not Available$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88Data Not Available$3,157.46
Hawaii$2,555.64$2,173.49Data Not Available$4,763.82$3,358.86$3,189.55$2,551.83$2,177.93$1,040.28Data Not Available$1,189.35
Iowa$2,981.28$2,965.86$3,021.81$2,435.72$2,296.16$4,415.28$2,735.44$2,395.50$2,224.51$5,429.38$1,852.57
Idaho$2,979.09$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19Data Not Available$1,867.96$3,226.29$1,877.61
Illinois$3,305.48$5,204.41$3,815.31$4,605.20$2,779.16$2,277.65$2,711.81$3,536.65$2,344.88$2,499.76$2,770.21
Indiana$3,414.97$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35Data Not Available$3,898.00$2,408.94$3,393.75$1,630.86
Kansas$3,279.62$4,010.23$2,146.40$3,703.77$3,220.65$4,784.42$2,475.59$4,144.38$2,720.00$4,341.43$2,382.61
Kentucky$5,195.40$7,143.92Data Not AvailableData Not Available$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
Louisiana$5,711.34$5,998.79Data Not AvailableData Not Available$6,154.60Data Not AvailableData Not Available$7,471.10$4,579.12Data Not Available$4,353.12
Maine$2,953.28$3,675.59Data Not Available$2,770.15$2,823.05$4,331.39Data Not Available$3,643.59$2,198.68$2,252.97$1,930.79
Maryland$4,582.70$5,233.17Data Not AvailableData Not Available$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87Data Not Available$2,744.14
Massachusetts$2,678.85$2,708.53Data Not AvailableData Not Available$1,510.17$4,339.35Data Not Available$3,835.11$1,361.86$3,537.94$1,458.99
Michigan$10,498.64$22,902.59Data Not Available$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Minnesota$4,403.25$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49Data Not Available$2,066.99Data Not Available$2,861.60
Missouri$3,328.93$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91Data Not Available$2,525.78
Mississippi$3,664.57$4,942.11Data Not AvailableData Not Available$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
Montana$3,220.84$4,672.10Data Not Available$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74Data Not Available$2,031.89
North Carolina$3,393.11$7,190.43Data Not AvailableData Not Available$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66Data Not Available
North Dakota$4,165.84$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53Data Not Available$2,006.80
Nebraska$3,283.68$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71Data Not Available$2,330.78
New Hampshire$3,151.77$2,725.01Data Not AvailableData Not Available$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46Data Not Available$1,906.96
New Jersey$5,515.21$5,713.58Data Not Available$7,617.00$2,754.94$6,766.62Data Not Available$3,972.72$7,527.16$4,254.49Data Not Available
New Mexico$3,463.64$4,200.65Data Not Available$4,315.53$4,458.30Data Not Available$3,514.38$3,119.18$2,340.66Data Not Available$2,296.77
Nevada$4,861.70$5,371.62$5,441.18$5,595.56$3,662.09$6,201.55$3,477.14$4,062.57$5,796.34$5,360.41$3,069.07
New York$4,289.88$4,740.97Data Not AvailableData Not Available$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
Ohio$2,709.71$3,197.22$1,515.17$3,423.01$1,867.19$4,429.74$3,300.89$3,436.96$2,507.88$3,135.16$1,478.46
Oklahoma$4,142.33$3,718.62Data Not Available$4,142.40$3,437.34$6,874.62Data Not Available$4,832.35$2,816.80Data Not Available$3,174.15
Oregon$3,467.77$4,765.95$3,527.28$3,753.52$3,220.12$4,334.55$3,176.83$3,629.13$2,731.48$2,892.19$2,587.15
Pennsylvania$4,034.50$3,984.12Data Not AvailableData Not Available$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Rhode Island$5,003.36$4,959.45Data Not AvailableData Not Available$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
South Carolina$3,781.14$3,903.43Data Not Available$4,691.85$3,178.01Data Not Available$3,625.49$4,573.08$3,071.34Data Not Available$3,424.77
South Dakota$3,982.27$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23Data Not AvailableData Not Available
Tennessee$3,660.89$4,828.85Data Not Available$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
Texas$4,043.28$5,485.44$4,848.72Data Not Available$3,263.28Data Not Available$3,867.55$4,664.69$2,879.94Data Not Available$2,487.89
Utah$3,611.89$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83Data Not Available$2,491.10
Virginia$2,357.87$3,386.80Data Not AvailableData Not Available$2,061.53Data Not Available$2,073.00$2,498.58$2,268.95Data Not Available$1,858.38
Vermont$3,234.13$3,190.38Data Not AvailableData Not Available$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84Data Not Available$1,903.55
Washington$3,059.32$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78Data Not Available$2,262.16
West Virginia$2,595.36$3,820.68Data Not AvailableData Not Available$2,120.80$2,924.39Data Not AvailableData Not Available$2,126.32Data Not Available$1,984.62
Wisconsin$3,606.06$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53Data Not Available$2,975.74
Wyoming$3,200.08$4,373.93Data Not Available$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55Data Not Available$2,779.53
Get Your Rates Quote Now

Commute Rates

Commute distance can have some effect on your car insurance rates, but it might not be as much as you think. Here’s a comparison for two different commute distances at State Farm.

In spite of more than doubling the commute distance and exactly doubling annual miles, the rate doesn’t increase much.

Commute TypeState Farm Average Rate
10-mile, 6,000 miles annually$3,175.98
25-mile, 12,000 miles annually$3,344.01
Get Your Rates Quote Now

Coverage Level Rates

Everyone wants the best coverage they can afford, but many people choose a lower coverage level because they are worried about the cost.

Coverage LevelAverage State Farm Rate
Low$3,055.40
Medium$3,269.80
High$3,454.80
Get Your Rates Quote Now

State Farm’s rate increases about $400 a year to go from low to high coverage. That’s about $33 a month for much better coverage – less than you might think.

Credit History Rates

Most states allow the use of credit history as one of the rating factors for car insurance.

Credit HistoryState Farm Average Rates
Poor$4,951.20
Fair$2,853.00
Good$2,174.26
Get Your Rates Quote Now

State Farm might not be the best choice if you have poor credit. Their rates more than double for a person with poor credit compared to someone with good credit.

Driving Record Rates

Few things impact your car insurance rates as much as your driving record. Tickets, accidents, and DUI convictions are all going to do some damage to your insurance bill.

Every insurance company differs in terms of how much weight they place on things like a speeding ticket or an at-fault accident. At State Farm, the biggest increase is for a DUI.

Driving RecordState Farm Average Rate
Clean Record$2,821.18
1 Speeding Ticket$3,186.01
1 Accident$3,396.01
1 DUI$3,636.80
Get Your Rates Quote Now

Coverages Offered

State Farm is a one-stop shop for your insurance needs and covers all the bases.

Types of Coverage Other Than Auto

In addition to auto, State Farm writes just about any form of personal insurance you could want. That includes the other big two, home and life. And most people don’t know but they also write Medicare.

You can bundle a home insurance policy with your car insurance for a discounted rate on both. That doesn’t just apply to a single-family homeowners policy, but also to renters or condo owners’ policies.

State Farm will also give you a discount on your auto insurance if you have a life insurance policy in force.

Types of Auto Insurance Coverage

State Farm offers all of the coverage you would expect from the top car insurance company in the nation. That includes all of the basics and add-ons to customize coverage.

To start, a State Farm policy provides all of the legally required coverage for your state. What that entails depends on where you live, and will include some combination of these:

  • Bodily Injury Liability
  • Property Damage Liability
  • Personal Injury Protection (PIP)
  • Medical Payments (MedPay)
  • Uninsured/Uninsured Motorist (UM/UIM) Bodily Injury
  • Uninsured/Underinsured Motorist Property Damage

State Farm offers a range of limits for these coverages, starting at the state legal minimum and increasing from there. Each driver can choose the coverage limits that meet their needs and budget.

Coverage options can then be added to round out the policy. State Farm doesn’t have a lot of gimmicky choices and tends to stick with the most popular options.

  • Collision
  • Comprehensive
  • Roadside Assistance
  • Car Rental and Travel Expenses

That’s a pretty short list of options and doesn’t include things like gap coverage or mechanical breakdown. We’ll look at some other available options shortly.

Area of Operation

State Farm writes car insurance in all 50 states and the District of Columbia.

Coverage options and discounts do vary by state, so make sure you look at the details for your state specifically when shopping.

Additional Programs

State Farm has some other options and programs to provide specific protection, to reduce rates, and to make claims easier.

Ridesharing coverage is available in a selection of states. This is designed to provide special coverage to those that drive for a company like Uber or Lyft. It fills in the gaps between your personal insurance and the coverage provided by the rideshare company.

Drive Safe and Save is State Farm’s usage-based program. It uses either a mobile app or the OnStar system in your vehicle, if available. Like the programs offered by other companies, it records your driving habits and calculates a discount for you based on the results.

Unlike other programs, Drive Safe and Save doesn’t have a limited time period for data collection. It’s ongoing, which means a new discount is calculated at each renewal.

Steer Clear is State Farm’s app-based program for younger drivers. Like the Drive Safe and Save program it records trips and looks for specific activities. It also includes a component to help young drivers improve by watching videos and taking quizzes.

This program lasts six months and is for drivers 25 and under. After six months a discount is earned for successful completion of the program.

Select Service is State Farms preferred repair shop network for claims. Shops in the program meet specific standards and guarantee their work.

Discounts Offered

Like everything else about their car insurance, State Farm’s discounts avoid the trendy options and tend to stick to basics.

Here’s a look at the discounts State Farm offers and how much they can save you on your car insurance.

DiscountPercentage Off (up to)Details/Requirements
Vehicle Safety40%Cars 1994 and newer, varies by vehicle's safety record. Applies only to medical coverage.
Passive Restraint40%Vehicles with anti-lock brakes, seat belts, and other standard safety features.
Anti-theft DeviceNot statedVehicles equipped with qualifying anti-theft device
Good Student25%Maintain the required grade average
Student AwayNot statedStudents away at school who have not taken a vehicle along.
Driver TrainingNot statedDrivers under 21 that complete driver training.
Good DriverNot statedNew State Farm customers with three years ticket and accident-free
Accident FreeNot statedCustomers insured by State Farm for three years without a chargeable accident.
Defensive Driving CourseNot statedComplete an approved defensive driving course
Multi-Policy17%Have home, renters, condo, or life insurance in addition to auto with State Farm
Multiple Vehicle20%Insure more than one car with State Farm
Drive Safe and Save5% for signing up
Up to 30% on each renewal
Must install and use the Drive Safe and Save app or sign up with OnStar
Steer Clear15%Complete the Steer Clear program
Paperless BillingReduction of installment feesPay electronically and use paperless billing
Get Your Rates Quote Now

State Farm’s discount programs are really focused on safe driving and customer loyalty. There are quite a few ways to lower your rates by improving your driving habits. Notable, in particular, are the multiple available discounts for young drivers.

Consider the situation of a young driver whose parents have been insured with State Farm for some time, are good drivers, and have multiple policies in force. Add to that the Steer Clear program, good student, and driver training discounts. That can all put a nice dent in those scary new driver rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How To Make a Claim

Claims are really the test of an insurance company, so most companies make an effort to advertise a great claims experience.

Premiums Written and Loss Ratios

Next we will look at how to make a claim with State farm – but first, let’s talk about loss ratios.

Loss ratios are an indication of how much an insurance company pays out in claims compared to the amount they earn in premiums.

You want an insurance company that pays claims. What you don’t want is an insurance company that’s paying out more than it takes in. That’s bad news for the company’s ability to pay in the future.

A loss ratio over 100 percent indicates just that – the company is paying out more than they’ve taken in.

But you don’t want a number that’s too low, either. That’s because a low loss ratio indicates the company isn’t paying out as they should.

Here’s a look at State Farm’s loss ratios over three years for auto insurance.

State Farm Premiums and Loss Ratio201520162017
Direct Premiums Written$36,545,896$39,194,660$41,817,416
Loss Ratio69.31%77.02%68.79%
Get Your Rates Quote Now

Loss ratios took a bit of a jump in 2016, but that seems to have been an anomaly, as they went right back down to the 2015 level. The industry total loss ratio for 2017 was 68.79 percent. That means State Farm is about average.

Ease of Making a Claim

There are a number of ways to file a claim with State Farm.

First, you can do it the old-fashioned way, by calling your agent directly.

Alternately, if it’s after hours or you need immediate assistance, you can call the 24/7 claims line directly at 800-SF-CLAIM (800-732-5246).

If you prefer a more modern approach, State Farm offers both online claim filing on the company website, and mobile filing through the app. We’ll talk more about the app later.

State Farm’s options for claims filing are right on top of the industry.

You can also track a claim on the website or through the app to keep on top of things.

How To Get a Quote Online

You can start a State Farm quote for car insurance right from the main page of the website, or from the auto insurance page. The site even offers a convenient checklist of items to have on hand when quoting.

State Farm Quote

After entering your zip code, you will then be asked to enter your full name, address, and date of birth.

State Farm Quote

The system will search for vehicles associated with your address. You can select from the listed choices or enter your vehicle information manually. For each vehicle, you will be asked for usage information among other details.

State Farm Quote

The system will also find drivers associated with your address to be added to the quote. You can add additional drivers individually.

State Farm Quote

The next step covers the driving history of the drivers in your household.

State Farm Quote

In the next step, you will be asked to provide some additional details, and then asked for an email address and phone number. The phone number is optional and will result in solicitation calls. You do need to enter an email address.

In the final step, you will be given quotes at three levels of coverage. You can then customize the quoted options to adjust liability limits, deductibles, and add-ons.

State Farm Quote

Here’s the personal information you will need to get a quote with State Farm. In order to apply for coverage, you will need to provide all of this information. Bear in mind that quotes aren’t accurate until you provide all the necessary personal information.

InformationRequired/Not Required
Driver's License NumberNot required
Social Security NumberNot required
Phone NumberNot required
Email AddressRequired
Vehicle Identification NumberNot required
Get Your Rates Quote Now

Design of the Website and App

State Farm’s website has a clean layout with easy to access menus. From the top of the page, the visitor can quickly navigate to the most popular categories, including product information, quoting, bill payment, and claims.

Simple image-based links to product categories are also on the front page, and there’s a quick quote box as well.

The site loads quickly and makes it easy to find whatever you are looking for. They also have a comprehensive resource area that helps with everything from understanding insurance to learning about car maintenance.

State Farm’s entry into the mobile app world with Pocket Agent® was met with early difficulties based on login connectivity and setup issues. The company believes the newest version corrects those bugs, but early users suggest some inconsistency still exists.
State Farm Pocket Agent

Device Availability

Pocket Agent® is available on iPhone, iPad, Android, Kindle Tablet.

App Features

After registering on the State Farm website, Pocket Agent allows customers to:

  • Contact their agent or search for an agent
  • View their insurance policy information
  • View their insurance card (does not meet proof of insurance in some states)
  • Submit an auto claim
  • Find roadside services
  • Search for a Select Service repair facility
  • View the claim status for a fire or auto claim
  • Pay their bill

All State Farm Insurance policies are available on the app, as well as State Farm Bank and State Farm Mutual Funds account information. With a State Farm Bank account, customers can deposit checks into the account with MyTime Deposit, pay bills with mobile bill pay, pay their credit card, and transfer funds from one eligible State Farm Bank account to another.

To view personal information, make a bank deposit, submit or view a claim, or make payments, the viewer:

  1. Must be a State Farm customer.
  2. Must be enrolled and registered on www.statefarm.com.

What it can’t do:

Although auto claims can be initiated on Pocket Agent®, all other claims—including homeowner, business, health, disability, long-term care, and life—must start on the website or go through an agent.

The app does not currently have the capacity to provide quotes on new policies.

Even though State Farm’s marketing suggests that non-clients can use some of the location features, users must be willing to register at statefarm.com to use any element of the app.

Google Play / iTunes / Amazon Reviews

Google Play: 4.2 rating based on 8,520 reviews. A large number of negative reviews cite login difficulties, both in setup and in execution. Download Here

iTunes: The current version has 2.5 stars based on 11 reviews. For all versions, the average is three stars based on 6010 ratings. Download Here

Amazon Kindle: 4.2 stars based on 44 customer reviews. Download Here
State Farm Pocket Agent Accident
Pros:

  • Manage and pay your bill
  • Deposit checks
  • Transfer money
  • Submit an auto claim

Cons:

  • No quotes
  • Only auto claims can be initiated
  • Users must be registered

If you are an auto insurance, mutual fund, or State Farm Bank customer, Pocket Agent® will make your life a little easier; but for other State Farm customers, downloading the app at this stage is probably not worth your time unless you can foresee a need for policy information “on the go” that you couldn’t wait to log into the regular website for. There is certainly room for improvement on this app.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Pros And Cons

Like all of the insurance company choices out there, State Farm has some good points and some not-so-good points. Here’s a simple breakdown of the pros and cons of choosing State Farm for your car insurance.

ProsCons
One-stop insurance shoppingBundling discounts aren't as high as some other companies
Rates are below average in most statesExpensive if you have poor credit, discounts are mainly for good drivers and loyalty
Personal service of an agent combined with modern technologyLimited selection of policy add-ons
Solid financial ratingsConsumer satisfaction ratings are only about average
Get Your Rates Quote Now

The Bottom Line

State Farm is a big, solid insurance company that has been at the top of the pack for a long time. They offer reasonable rates and straightforward coverage options.

They’re a good choice if you are looking to bundle and want a combination of personal service along with good value for the money, but aren’t a great choice if you have poor credit or a lot of dings on your driving record.

Frequently Asked Questions (FAQ)

There’s still more to learn about State Farm, and if you haven’t seen all of your questions answered here, head over to the State Farm website or get in contact with a local agent.

Do I have to choose an agent or can I handle my policies on my own? With State Farm, all policies are assigned to an agent. You can either choose your own agent or let the system select one nearby for you.

You’ll see a selection of nearby agent during the quote process. State Farm’s website and mobile app allow you to perform most tasks without needing to get in contact with your agent.

Does Drive Safe and Save always give a discount? Yes. State Farm only uses the system to calculate discounts and won’t increase your rates no matter what the app records. Not everyone will receive a large discount, but the program calculates some discount for all participants.

Does State Farm offer Accident Forgiveness? Yes, but not as an add-on or policy option. State Farm won’t increase your rates for a first at-fault accident if you have been with the company for nine years without an accident.

For a list of companies that we recommend, visit our Best Insurance Companies page.

Compare Insurance Quotes

Secured with SHA-256 Encryption

Review Information

Summary
Review Date
Reviewed
State Farm
Author Rating
41star1star1star1stargray

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

44 Comments

  1. I recently attempted to file a claim with State Farm; which was denied, which was not ok.

    (It is what it is )

    My comment is for the rep who handled the claim ( Kelly ) she needs to work on her tone.

    She did not sound like a good neighbor; as the company claims.

    I know that I’ve commented recently; I’m just saying if you claim to be a good neighbor, be one.

    Reply
  2. In Iowa, is it required for State Farm agents to notify a loss payee (even if not listed on the policy) of any auto insurance cancellations? From my understanding, I read State Farm has a standard risk policy which includes a provision which requires notice of termination of the policy to the loss payee. If a car is financed, then the loss payee would be anyone who has an interest in that car including the lien holder and cosigner. I would like to know if this information is correct and if notices are required to be sent out to loss payee, not just the person listed on the insurance policy. My understanding from what I read in your comments, State Farm is a mutual company meaning this policy would involve every policyholder in all states. Can you confirm this information as well.

    Reply
  3. State Farm is the absolute WORST vehicle insurance company I have ever dealt with. We were hit by a State farm insured driver. They failed to yield right away and were driving too fast for conditions. (Cited for both infractions). “M.C.A. § 61-8-339(1) says that “[w]hen two or more vehicles enter or approach an intersection from different highways, the driver of the vehicle on the left shall yield the right-of-way to all vehicles approaching from the right that are close enough to constitute an immediate hazard.” State Farm is saying their driver is 80% at fault. Nowhere in the law does it say 80%. Our truck was hit on the drivers rear box side. The first interaction with an adjuster we were told their insured had her tickets dismissed in court so that is why they are stating the 80%. I called down to get a copy of the Police report and was told that she hasn’t even appeared yet. Then 3 weeks go by without a word from anybody at State Farm. I called 3 days ago to speak to a manager. Finally, I heard back today and they are standing with their 80% claim. We have no option other than filing a lawsuit against State Farm. I can’t believe they get away with their claims handling this way.

    Reply
    • I am having a similar experience. The other driver got the ticket. They are only offering 80%. Must be their mode of operation.

      Reply
      • I’m a State Farm customer and my car was totaled by someone with different insurance.

        They admitted liability but insisted on going through State Farm.

        State Farm promised to send us a check then collect from the other company.

        Days, weeks went by (State Farm has the car) all the while State Farm says they will send a check. Didn’t.

        On 6/17 I called and was told the check would be sent to my agent via next day.

        The letter was dated 6/18 and arrived at my agent on 6/21 (not next day) and NO CHECK.

        I went to my agent on 6/24 and she called the Claims Department who insisted that I wanted direct deposit.

        Never authorized it AND they had someone else’s account they were going to wire the money into.

        The claims person said a check would be sent via next day.

        On 6/26 I received an email saying it would take 7 to 10 business days to get the check.

        I immediately called and they said the check was issued LATE on the 25th and would be picked up on the 26th and arrive at my agent’s on the 28th

        (unfortunately, that office closes before I can get there) State Farm the next day means TWO WEEKS.

        Don’t feel bad that they treat those filing a claim that is not customers badly they treat customers badly as well.

        Reply
  4. I recently sold one vehicle and purchased another which I promptly insured through State Farm. The rate quoted for this new vehicle was very reasonable and my agent was able to provide exactly the coverage I wanted in a timely fashion. I look forward to driving my new car with the knowledge that I have State Farm coverage should I ever need to file a claim.

    Reply
  5. I absolutely love State Farm! They have handled my claims perfectly and in a timely manner. I pay about 75 a month for full coverage (liability comprehensive collision roadside rental car pip/med pay ext) and renters with 50,000 personal property coverage. I don’t really use the agents office but the app and website are great and so are the customer service lines. They explained all the coverage to me and what it meant how it worked. Just awesome all around.

    Reply
    • I have had State Farm car and homeowner’s coverage for many years and am just a pleased as you are about the rates, coverages, and handling of claims. I prefer dealing directly with my local agent but found it necessary to recently make use of the 800 number and website. I was extremely pleased with the responsiveness of the customer service representative at the 800 number, my local agent and his staff, and the claims adjuster. Through the combined efforts of all the State Farm representatives with whom I dealt, my storm damage claim was settled quickly and efficiently. Thank you State Farm for taking good care of this customer!

      Reply
      • Just wondering if State Farm has raised your rates a little with each renewal?

        Reply
        • Yes, however, the rise in rates has always been very reasonable and very comparable to all the other insurance agencies providing insurance coverage in the region in which I reside. In short, all insurance agencies raise rates a little with each renewal.

          Reply
        • Yes they rise, mine is 35 dollars more, because they say Virginia has to many accidents, that is a very large increase.

          Reply
          • You did not specify what period of time this increase covers (monthly, 6 months?). I don’t think people insuring their cars stop to think about the cost of repairing/replacing a vehicle. They also don’t stop to consider the rapidly, ever-increasing cost of medical care should someone be injured or worse as the result of a vehicular accident. Technology is not necessarily a good thing. It seems the more automated vehicles are becoming, the more careless the operators of those same vehicles are becoming in their driving habits. There are too many features that are taking drivers’ attention away from actually driving.

          • I have had a policy with State Farm in the past. I purchased a new car at the beginning of 2019.

            I was told my policy would be a little over $100 a month.

            Over the past 4 months, State Farm has changed my policy 3 times! Charging me $40 for each policy change.

            (Non of which were by my doing.) And they are now charging me over $160 a month.

            This is the definition of shady business practices.

            My only guess is since I am under 60 they expected I would just have the payments taken directly out of my account monthly and would never review what they were actually charging and/or doing.

  6. I have seen reviews regarding car and home insurance, but how well is State Farm when it pays out claims for life insurance policies, and their rates/premiums?

    Reply
  7. I have had State Farm ins. for years with no claims. I insured my lake house with a dock for 5 or 6 years. December 26th 2015 we had a terrible storm and it tore my dock up. Without going into a lot of detail the dock was ins. For $40,000. The damage was around $27,000 and State Farm only paid $9,000. Bottom they only paid 30% of the damage. They didn’t pay the claim til into the summer, I didn’t get ro use it all summer. Still am very pissed. True story!!

    Reply
  8. As with all businesses today, the bottom line is everything. That being said, we have been insured by State Farm for 35 years and have absolutely no complaints other than the rising cost of insurance premiums. The rising cost of premiums is not applicable to just State Farm but to all insurance companies. In the past, State Farm has treated us very well addressing all claims in a timely and fair manner and we hope they continue to do so. In this age of “let’s automate everything we possibly can to avoid personal contact”, the best thing about State Farm is that they have local agents who can and will speak to you personally over the phone or in person face to face. All of the agents we have had have been invested in us as their customers, have been patient, courteous, and are knowledgeable about their policy offerings. They have explained everything clearly and answered all questions about policies and coverage. We appreciate the way they have handled our business and will continue to be their customer. If the cost of their policies is a bit higher than some companies, it is worth it just to be able to contact an actual person who cares about their customers.

    Reply
  9. My daughter had an accident this month September 2016 on the interstate and the state police arrived and completed an exchange of information form and made sure everyone was safe and then turned the drivers lose and saying to contact your insurance company. When my daughter called me I told her to go to the dealership and see if we could get a quote as we called the insurance company. Wow, was I wrong the dealership wasn’t in State Farm’s Network according the claims guy on the phone. He said they had no place and no one that could look at the car then and that an adjuster would come out in 3 to 5 days and they would quote the damage and they could give us places to take it or we could get it fixed wherever we wanted to as the money would be direct deposited to my checking account. I took the car to a shop to wait the 3 to 5 days and the shop called State Farm and within 24 hours they had someone on site strange when I was waiting up to a week. A call was made to claims and they advised soon as the adjuster’s report was approved the money would be deposited which should be by the next day. We heard nothing from State Farm and called claims the end of the week were told the amount was too much for direct deposit and they were waiting on me to call to find this information out. Then they became upset as there wasn’t a police report and chastised my daughter several times for the state trooper not completing state crash report. Several times the claims person became upset not wanting to take the answer that all the information from the state trooper was faxed to claims and if she had an issue with the state police she should call them. This did not seem to make her happy and she said do you know your rated can go up? The claims person then advised that the check would be sent in my daughter’s name the finance company with is out of state and no way to get them to sign it and then was told the check would be sent to the body shop where the estimate took place and she could talk them and sign it there. Now what happened to go where you want to get it fixed and we will deposit the funds into your account?
    I now understand the TV Commercial, when the guy says I don’t have the wrong coverage I have the wrong company. I have never had any claims against my policy with State Farm and I have Auto/Home Coverage and I wouldn’t recommend this company for anything as the day after the crash a State Farm Person calling wanting to talk about refinancing the car with State Farm and when asked did you see the crash in the file she said yes and then said, “I guess you don’t want to talk about refinancing.” Not, I sorry to bother you or is everyone OK nothing at all.
    This has been the worst customer service experience I have had with any company.

    Reply
  10. I have been with State Farm for 42 years and have signed up my wife and all of my children with them and satisfied until recently. We had hail damage in our neighborhood – all of the homes adjacent to me received new roofs along with 30% of the neighborhood so I inspected the ceilings in my home because I don’t get on the roof. I seen water damage in my master bath and called for an inspection. He inspected roof and said there was minimal damage but not enough for a roof . I asked him to look at my ceiling inside the home and he in turn found water damage and agreed to pay for ceiling repair but declined there was any roof damage saying it was coming in from a vent cap and would pay for that . Upon taking him back outside to find there were no vent caps on that section of roof he still insisted there was not enough roof damage to pay for a roof. I called in to get a second opinion which I was informed I had the right to – I have requested a second opinion 8 times in the last month with nobody coming or calling . When hurricanes hit the coast and demolished homes and tornadoes hit the Midwest and destroyed towns my insurance rates went up despite me having a claim , I wondered where the money from all of the customers that have paid for years went to instead of being set back for these kinds of catastrophies [ corporate greed ?] Now that I have a claim , they are ignoring me – not returning my calls and denying me another opinion. Their slogan of ” Like a good neighbor – State Farm is there ” Their commitment and integrity has been lost like all other corporations in the United States. Our world is doomed when we don’t care about one another and it is sad for our children.

    Reply
    • Sorry to hear of your loss. I lost my living room floor, water damage in the hallway, ceiling damage in the living room. They write me a check for $1600.00 and said that will cover all the damages. The replacement of the floor was $1570.00 alone. Any suggestions?

      Reply
  11. [Redacted] State Farm agent in Columbus Indiana his staff could care less about the policy holders they are supposed to serve.They are disrespectful and the hateful and do not have time to assist with insurance issues especially where it’s close to lunch time. Called several times to discuss issues of with agent but he is never available when you call.

    Reply
  12. I was injured in an accident 7 yrs ago. Left me with lots of health issues, because of this accident, which was a five car accident. I went to court and was awarded 45,000 for my injury and out of my settlement i had to pay back over 16,000 for doctor bills and any money they paid out. what insurance company does this? especially when you have state farm as your own company. I thought they where suppose to pay for all doctor bills related to my claim but not state farm make sure you read the fine print when you have an accident. they are a bunch of lying, deceiving, cons that find out how to take money from a 70 year old women.

    Reply
  13. I was angered when the claim adjuster I was working with at State Farm. She stated that a friend of mine “doesn’t know what he is talking about”, the less I thought of you handling this claim. The friend I was speaking of works for an insurance company as a Liability Adjuster handling million dollar claims. My friend stated that for the area we live in, conservatory the amounts range from low of 15,000 to high of 30,000. He stated take into account the medical amount + the vehicle repairs which came to an amount, which by the way you came up with, so 6736 for medical & 4568 for the vehicle, so the amount was 11,304. And hit 1.5 times that amount and divide it by two which then came to 8478. The settlement for personal injury would be 8,500. she offered $7,000 initially which is the lowest end you could possibly do. I feel that as soon as I stated I had a friend in insurance that when I called to negotiate with her that she was going to be rude. The amount of this claim is chump change if compared to other claims of a similar style. This was a multiple vehicle rear end accident where the two vehicles behind me both had start farm for insurance. In the middle of me trying to explain what my friend states, this adjuster jumped at me with that my friend knows nothing. If I could go back in time to when this accident happened,, which by the way was July 2015 and this call just happened today January 2016, I would have ran to the hospital immediately, then directly to an attorney office things may not have taken this long and be handled so rudely. Maybe I am lucky that I haven’t because no one deserves to be treated the way this adjuster at State Farm treated me.

    Reply
  14. I have been with State farm since I turned 15 years old had to have insurance to take drivers ed. I am now 63.
    I went to take my car payment to [Redacted] office in Owings mills Md and the assistant [Redacted] told me she could not take my payment so I put it in the mail box at the post office in Owings mills. I got a call while I was driving home with my accountant and was told because I had been hospitalized that my car was paid off in full. My accountant was with me when I got this call. Guess what State farm did! They repossessed my car.
    I am thinking law suit. Any comments can be e-mailed to my at dancer830@comcast.net

    Reply
  15. [Redacted] is the worst agent! DO NOT TRUST HIM! I had account with him for over 10 years, but when I switched to Allstate because they kept raising payments every month by $8-11, they refused to refund money on two policies. It’s been 6 weeks and I just called to ask about refund they said: “you are no longer our client and we don’t have to give you any information”. Wow, what a shame for a business to be this disrespectful and arrogant.

    Very disappointed

    Reply
  16. LISTEN UP EVERYONE WHO’S TRIED TO FILE A CLAIM WITH STATE FARM AND THEY REFUSED TO COOPERATE!!!

    It is very simple if they don’t do exactly what you want when you file a claim, forget about hiring a lawyer. You can simply hire a public adjuster who will work for free on a contingency basis. And get you exactly what you want.
    AND…wait for it…
    Simply file a complaint form at the California department of insurance.
    CDI will quickly put State Farm in their place and make them pay for everything on the claim and it’s free, the governments dept of ins has FAR more power than anybody else to enforce state farms pathetic cheapness to pay out.
    State Farm does not want to have bad records with the government that’s why they will pony up.

    http://www.insurance.ca.gov/01-consumers/101-help/

    Reply
  17. I have enjoyed State Farm for many years. Met the new staff as they came and went.
    So far the service has been tremendous and they always make me understand what is being said.
    I have no desire to go anywhere in the future.

    Reply
  18. My parents have been with this company for 10 years so when I started driving I of course trusted them… In December of 2014 I bought my first car and of course you have to have insurance before driving it off the lot. My dad payed $300 that day…. and a month later some how that money was never payed. They never notified me about anything!!!! I was not with them for even a year and they switched my insurance agent with out telling me three times!!! my insurance was canceled and they did not tell me till 10 days later. In May a payment did not go through and no one told me then they canceled my insurance again I had no idea for 3 weeks. I never received mailed or emailed about anything as far as I knew I was still insured!!! Because of this i have to pay the MVA $400. Also while I was uninsured I was rear ended… guess what I have to pay for the damage on my car and pray the other car involved does not sue me! so thanks statefarm for putting a 20 year old through so much!! I will never insure with you again!!!

    Reply
  19. I have been with State Farm for over 55 consecutive years. There are not many of us. During these 55 years I have received nothing but excellent service. My policy has been reviewed every few months and has been adjusted downward based on new age, record and miles driven. The claims that I have had were settled quickly and hassle free. They are very friendly and helpful. My premiums have never gone up because of a claim. My agent is home town and local. There is no dealing with dialup computers, press 1 for adjuster, press 2 for agent, press 3 for claim, none of this hassle. My agent is almost a neighbor. I have checked competitive rates over the years and never found any company that beats State Farm in rates and service. I’m a lifer….Dean S.

    Reply
  20. I had a claim with State Farm 1.5 years ago. There process was terrible and I had to call them constantly because I felt if I wasn’t on them constantly I would never get the money from the claim. It took over a month and a half to get my claim and I feel like it would have taken much longer if I wasn’t on them constantly. I feel like the amount was good. After all of this and signing forms to sign the car over to them I received many calls from them asking for me to sign the car over to them and I told them I had already done that. They told me that they never received the form. So now their claims and their agent both were terrible. After all this I got a new car since mine was totaled and switched insurance companies. I receive another call from the local agents office telling me I had to sign back up for insurance through them because I had to have insurance and the told me I had to pay 2 months up front. I was a pre-existing customer and refused to do that and told them I had insurance through another company. They wanted to know what my coverage was and I told them I felt like they shouldn’t be asking me that. Then the lady asks me what one of my coverages was and was a [Redacted] when I told her that I felt as if that wasn’t her business. I will never go back to State Farm after that experience. Although ever insurance company is the same. It is all about the money and they couldn’t care less about the customer.

    Reply
  21. Mr. Eric Stauffer, I am a lifetime State Farm insured. Age 52. My dad retired from SF auto claims about 20 years ago. I left my SF employment in 2007. Unethical supervisor commanded me to deny a covered loss. When I refused to deny coverage I was suspended. I was 20 years in Homeowners claims. I am currently still insured with them but that will be changing soon.

    SF has less complaints imo because they ignore complaints. Perhaps we should talk. I think we can use your help.

    There is a problem with insurance right now. People are being cancelled for one claim. They are being cancelled for weather related losses in states where there are protection laws. SF can ignore complaints, they can handle claims in bad faith, and they can violate some laws in states…because of their size and finances. Money talks. Period.

    Reply
  22. I’ve had State Farm auto and homeowner insurance for 30+ years. The reason I stay with them is that they have never failed to pay out a claim. They cut a check quickly and never hassle me.

    SF uses agents and if you move around a lot you’ll find that the quality of the local agent will vary. It is in your interest to understand what your insurance needs are. Educate yourself and use the knowledge to assess the quality of the local agent. If the agent doesn’t appear to understand your requirements or doesn’t appear have your interests in mind, be cautious about any advice he/she may give you. Up until very recently, I have found SF agents to be competent and not pushy or intrusive.

    Reply
  23. I was struck by a car on February 28th while stopped at a red light. There was at least one car in front of me, one on the side, and one behind me. A traffic barrier was on the left hand side of the car. We were completely stopped. The incident was investigated by the Palm Bay police department. My car was driven by my son who was driving me home from the ICU. The car that hit the car behind me was driven by a frequently cited and unemployed and driver and owned by her mother. I have been in touch with my State Farm insurance agency who has advised me, thru a subordinate, to submit the claim as a non-insured driver claim and to pay the deductible as if I were at fault, and Geico, the insurer of the responsible car who claims they have inadequate coverage to cover the $1500 damage. My agent has to date refused to return my calls. Geico initially denied responsibility, later admitted responsibility but claimed the insurer holds inadequate insurance, and as of last week agreed to send an adjuster to my home by yesterday; he/she has neither called or appeared. Both the investigating officer and other driver have acknowledged responsibility as per the police report. To date all calls to the corporate office have routed me back to my local agent and the unresponsive claims adjuster.

    Reply
    • I understand and I have had a negative experience with them lately as well. Please see below

      Discrimination Due to Stage 4 Breast Cancer Metastatic

      WEST HILLS, CALIFORNIA — I was involved in an automobile accident on 04/06/14. I was the passenger of a vehicle that was rear ended. The driver of the vehicle that rear ended us had Mercury Insurance and they paid the policy’s maximum of $50,000 and awarded the driver and myself $25,000 each.

      Our mutual attorney filed a first-party underinsured motorist claim, using the driver’s insurance of the vehicle I was in, which is State Farm. The State Farm Adjuster, [Redacted], offered the driver $70,000 new money and offered me nothing although both of us suffered nearly identical shoulder tear injuries. The tears in our shoulders were verified by the results of MRIs we received.
      Moreover, the majority of the damage was on the passenger side on the rear of the vehicle.

      I am also unsure why the adjuster was asking my attorney about my longevity, since it had nothing to do with the accident. I have stage 4 breast cancer metastatic to the bone. The adjuster stated to my attorney that the reason he was offering zero is because I waited 6 weeks to be treated and the damage to the car was minimal. I had in fact gone to Urgent Care immediately after the accident but the office was closing. Based on my MRI results, it showed that the tear on my shoulder was a result of the accident. The other reason the adjuster gave my attorney for offering zero was because I had already been paid by Mercury Insurance. It was explained to the adjuster by my attorney that I had waited six weeks after the urgent care to treat further because I had just had a Bilateral Mastectomy less than 90 days prior to the accident and that I was hoping the pain in my shoulder would go away. It is my contention that the adjuster [Redacted] has discriminated against me and ultimately made the decision not to pay me as he is banking on the fact that I have stage 4 breast cancer metastatic to the bone, and I may not live long enough to go through the arbitration process.

      Reply
  24. I have been a customer for 30 years of State Farm. About three years ago now I was hit by a drive who was under insured. Right off the bat I got a letter saying I was 51 percent at fault. The police says it was all her fault. State Farm is doing every thing in there power not to pat. But They don’t pay to much attention to there own lawyers. There lawyers have you in a deposition for hours and they want you to tell them you life’s history where you were born, who you dated everything that has nothing to do with the case just to line there pockets with State Farms money. I bet after this is all settled they will raise my rates. On another story my father never had a claim then he had an accident that was not his fault but no other car was involved. Something was spilled on the road that caused the accident. State Farm tripled his premiums. Now we know why they have as much money if not more than the banks.

    Reply
  25. State farm insurance is getting away with not paying for the damage done to my home and stolen property when my home was burglarized because [Redacted] took my name off my home owners. [Redacted] never paid any premiums to state farm. I paid state farm the premiums every month. [Redacted] died in 2009 and state farm insurance still got paid the premiums till Sept. 2009.
    State farm agent refused to do any thing to help me resolve this matter. State farm ripped me off because their isn’t a lawyer willing to help This company breaks the law and the consumers are the ones WHO ARE GETTING SCREWED !!!!!! State farm should be in jail for what they do to the consumers.
    there ISNT AN AGENCY TO PUT A STOP TO THIS COMPANY !!!!!!!! The insurance commissioner is a crock of crap. They protected state farm……

    Reply
  26. We have a justified complain against State Farm Insurance and the agent that we’ve had to deal with. After many calls to him and receiving a different story about why we hadn’t received the check for the damage done to our property by one of State Farm’s insured customers. We were told the check was mailed on 5th of July and as of 7/11/14 we hadn’t received. My husband called the agent on the 11th and he upset my husband so much with an additional lie he told us. At that point I ask my husband to let me talk to him, I told him we had been told so many lies and he told me he wasn’t a liar and hung up on me. I’ve never had a experience like this before. We had nothing to do with the damage done to our property but we are the ones that are having to deal with an agent for State Farm that is rude, and could care less, the situation he has put us in. The insured that is insured with State Farm knocked down our brick mail box and a retaining wall. There is a police report that shows he was ticked for failure to maintain his vehicle. I don’t understand why we are the ones suffering from this damage and have not had anyone to try and help us out with this claim. Insured’s Name-[Redacted], claim #[Redacted]. Our Property address: [Redacted]

    Reply
  27. I am a customer of State Farm and I’m thinking about going to another company. The reasons are as follows:

    A rock hit and broke my vehicle’s fog light. I called my agent. We talked on the phone for quite a while and was given all kinds of bad information. After answering all the questions, we were told that we could go and get it fixed, but it was recommended by the agent that we go to one of their listed businesses to get an estimate, and we will also told that we could go to a place of our choosing, which is not really true based on the experiences that I had with them. We informed them that we were going to North Point Toyota on Landers Road in North Little Rock, and also gave them the ZIP Code. This started on a Friday. They said they would call and inform North point Toyota of this, but it didn’t happen. They called another company and deliberately tried to guide us to where they wanted us to go. We arrived at North point Toyota Tuesday, and we asked had State Farm called as a salesman scrambled around China sign information about our claim. we decided to call State Farm again. We were put in contact with another agent, and then were told at that time that we had to go to a claim office in which they located for us that wasn’t too far away. I was baffled because I thought this would be a short easy process for something this minor. And so we are constantly losing time because each time we talked to State Farm we were given a little bit more of the information instead of us getting everything on the initial phone call that we made about our claim. So after arriving at the next claim station, we were told that they couldn’t do anything for us until a claim adjuster showed up and he wouldn’t be in until tomorrow. We had already located the part at North Point Toyota, and gave that information to [Redacted] the Collision Repair Coordinator on Landers Rd., Sherwood, AR 72117. He told us what it would cost to get it repaired, which was cheaper than North Point Toyota, but they could not get the part until State Farm sent them some type of correspondence. But this is beginning to be too long to process. Bottom line, we were not given all the information needed to process this claim, we were guided to a company that we had no interest in after being told we can go any place that we wanted to go, and our time was wasted, which we know will not be able to get back because of this process.

    Reply
  28. Hello,

    One incident among many so my one experience does not mean much in the “scheme of things.” However, my tale is better than none at all.

    Large tree branch fall upon my nearly-new pick-up truck. Thud. Hood and grille and fender crunched. Luckily, only sheet metal damage. I followed that offering of using a repair facility approved by State Farm. It was a local Chevrolet dealer body shop at the dealership. The work was done quickly but not so fast as to indicate slip-shod work. The truck looked like new when finished. That was eight years ago and the repair job, including the new paint, has held up so that there is no indication that repair work had ever been done.

    Having a top-notch repair facility on State Farm’s go-to list suggests to me that State Farm cares about its customers.

    And, my dealings with the several agents across the land as I moved to and fro, has led to my remaining with State Farm for decades. I feel confident referring the firm to those seeking insurance.

    I also have home owners insurance but never any need to file a claim.

    Thank you for this site that offers useful information!!!

    Have a great week!!!!!!!!

    Reply
    • Hi Obbop,

      Thank you for taking the time to leave your feedback. Usually when people are satisfied, they are less likely to hit the internet to share their experience. Good to know there are some agents and companies out there doing their job correctly!

      Best,

      Eric Stauffer

      Reply
      • Very true, Eric.
        I do a lot of research on many various topics…just a hobby of mine…and its clear that thousands of happy customers rarely say anything. Its generally when people are upset about something that they do have something to say, so it can appear that a company is horrible when in reality they arent.

        The wife and I switched to Statefarm some time ago after being with a very expensive Geiko for a few years. Statefarm was actually able to give us so much insurance for slightly more than we were paying for bare bones policies before.

        Under Geiko we had
        $50k in personal liability for our renters insurance.
        Minimum state coverage LIABILITY ONLY for auto insurance.
        It cost me about $56 a month.

        With Statefarm we now have.
        $500k (10 times than with Geiko) for renters liability.
        10 times the state minimum FULL coverage (everything) on auto insurance.
        And a $2 million ($2,000,000) Umbrella policy.
        Not to mention $25k Identity theft insurance and a couple other small things.
        Its costing $74 a month right now…just under $20 more a month for a LOT more insurance.

        So far Statefarm for us is much better than our previous insurer.

        Reply
  29. My State Farm homeowners policy was just cancelled because as their letter stated, “The risk is no longer acceptable to State Farm Fire and Casualty Company due to your loss history.” We had ONE, yes I repeat, ONE loss, the result of water damage from the apartment above. The cancellation letter further references New York homeowners whose properties is located in or around coastal areas. I live on the 8th floor of a 14 story high rise coop apartment building located NO WHERE near the coast.

    Why have insurance if when you file ONE CLAIM, your policy is cancelled and the “risk no longer acceptable.?”

    State Farm ought to be put out of business.

    Reply
    • Ron,

      It’s not like State Farm is the only company that you can buy insurance from, so it sounds like you are more “hurt” that they are dropping you. You fail to realize that it may have nothing to do with “your one claim” and more to do with the building you are living in / area. Every property is getting looked at, and you having a water damage from leaking pipes or upper stories may just be a red flag.

      You also fail to mention how much you were paying in premium and how much State Farm acutally paid out in the claim. Did you have the policy for a year, two, five, ten? What was the total premium paid in and how much did State Farm right you a check for?

      As you state New York Costal areas are being reviewed and State Farm may just be pulling out to lessen their exposure. This is not criminal, this is just a company choice.

      In close State Farm is a MUTUAL company so they have a duty to ALL policyholders ALL over the United States, not just New York. If Florida, California, and New York are deemed too risky you may just be caught in restructuring of risk.

      Risk and Risk Management is what insurance companies strive to do most effectively. In insurance a good rule to live by is: Don’t use for the Inconveniences, Use for the Devestations.

      Reply
      • After having been with State Farm for over 26 years, carrying auto, life, home, and umbrella policies simultaneously, and never having filed any claims, we just received a notice that they are canceling our umbrella effective one month from today. They give no valid justification other than we have someone under 25 living in the home. We don’t have anyone under 25 living with us; we are just a married couple over 50–with not even a dog or any pets in the house. No claims ever. It makes no sense. I have heard so many horror stories about State Farm for years and they are one of the priciest companies, as it is. We will file a serious complaint with Commissioner of Banking and Insurance for our State and will make it our mission to expose their egregious practices. This is completely unacceptable.

        Reply
    • Insurance companies can get away with anything. I have Nationwide right now and they raised my rates last month because they said the accident rate in my area is higher. Not that I had an accident. So because other people have had accidents my rate is higher. I have made 1 insurance claim in my life and it was deemed not my fault since my car was hit while I wasn’t even in the car. There is no insurance company who actually cares about the customer. They want your money and that is all.

      Reply

Leave a Rating

Your email address will not be published. Required fields are marked *