State Farm Car Insurance Reviews

Very difficult and disappointing experience with a claim. Agents have always been good for over the last fifty years and luck held up until recently so no claims. Our car was hit in a parking lot, no note, no witness. Claims "handler" treated us like we are liars and denied all but a portion of the damage. We discovered the other side of State Farm, the side where you ask them to pay. Good guy agent gets you to pay but claims side guy is the complete opposite. They won't be there when you need them.

My experience with State Farm following a total-loss accident was incredibly frustrating. Because the other driver was minimally insured, I expected my own insurance company to support and advocate for me. Instead, I felt as though I had to fight for answers and fair treatment at every step. Communication was inconsistent, explanations were unclear, and decisions seemed to change throughout the process. I spent weeks making calls, following up, requesting information, and escalating the claim simply to get it resolved fairly. Being involved in an accident is stressful. Customers should not have to become claims experts or repeatedly push their own insurance company for transparency and timely action. Based on my experience, State Farm was not there for me when I needed it most, after 34 years!

I am writing to provide feedback regarding my recent experience with the State Farm claim resolution process. My vehicle was totaled by a State Farm policyholder, and after two months of delay, I was ultimately forced to seek reimbursement through my own insurance provider. This delay was driven by appraisal issues and poor communication. Both my collision center and I repeatedly attempted to get updates, but struggled to receive timely responses.

A State Farm-insured driver rear-ended me, and State Farm accepted 100% fault. The driver received three tickets at the scene and was reportedly a suspended driver. My vehicle was a commercial business vehicle and my only source of income. My business was located in Texas and had only been operating for about six months. State Farm told me I could choose my own repair shop. I dropped my truck off on February 7, 2025, but the first shop took about two weeks just to complete the inspection. I moved the truck to beltway Diesel in Houston on February 17, where it was inspected the next day. I worked with State Farm adjusters, including Cynthia **, throughout the repair process and repeatedly tried to get my truck repaired as quickly as possible because my business depended on it.

When I first got my auto insurance policy I told everyone I knew that State Farm was the best insurance company I had ever had. Now I'm apologizing to everyone because that was a lie. I have been with them for almost a year and they are not renewing my policy next month because I used roadside assistance 3 times. Yes, I used a feature that in included in my policy so they are not going to renew it. This is not how a good neighbor acts, Jake from State farm. In fact, let me think of a good slogan you can use now. How about "Like a fairweather friend State Farm is there when it benefits them."? Considering you don't like to pay for things you can have that for free. Everyone do yourself a favor and get your insurance anywhere else. I am making it my goal to spread the word and stop as many people as I can from making the mistake I did. State farm truly sucks.

DO NOT CHOOSE STATE FARM—RUN. We had a nightmare experience with both State Farm homeowner's insurance and auto insurance. After paying State Farm thousands of dollars in premiums over the years, we only discovered what their customer service and claims process were really like when we finally needed them. Based on our experience, I cannot recommend State Farm for either homeowner's insurance or auto insurance.

I was in an accident in a company vehicle, not my personal vehicle yet the other party fraudulently filed a claim against my personals policy. I have had the extreme unpleasant experience in speaking with a rep name Chantel ** who is one of the rudest people I have ever dealt with. Miss ** informed me that I would have to deal with her, no one else would be assigned to my case. I highly recommend anyone to steer clear of state farm. Very unprofessional company.

For the last few years I have tried to pay my bill online. I always get that my email, cell phone, and home phone are not recognized. I cannot pay my bill online. I have just spent an hour trying to get that accomplished. I will have to try another way. I have brought this issue up with my agent without any improvement. Even on a live chat the bill could not be paid online. I can only imagine what will happen if I ever do have a claim and need their assistance. Will I not be recognized then also. My family has been a customer for home and auto insurance for all my parents and my life. I am 62. DECADES OF LOYALTY. Now I have to fight them to just pay my bill online? I can't remember the last claim I have had. It has been a long time. I don't get it. Customer Service sucks.

We paid for about 10 years for car insurance in State Farm. When we need it, it doesn't help. They don't supervise their agent well. When you call the company to seek help, they don't take the responsibility!!! What I found out after 10 years is a company FULL ＯＦ ＬＩＥＳ！I wrote this in a hope that others won't encounter such a difficulty as I had.

I have had State Farm insurance for 40+ years, I will be leaving them as soon as possible! No one told me when I took their Home Protection plan that it would come back to bite me in the ass! We've had issues with our HVAC system with recommendations to replace it, State Farm would not replace it so we've had several small claims over the past 3 years. No one told me they would be marks against my policy. Now that we want to buy a lake house after working hard for 40 years, State Farm won't insure it because of "too many claims"! The only claims I've had are the HVAC claims against the Home Protection plan policy! Loyalty is a two way street, I am through with them! Allstate will cover our lake house, home and cars. I am absolutely furious with State Farm!

I find myself having to fight with my own insurance company regarding the settlement amount of a recently totaled vehicle. This issue has caused me to rethink my association with State Farm. It's a shame that after 28 years of being a loyal customer and paying well over $114,000.00 in premiums that I have been made to feel as though I am nothing more than a number. This company used to make me feel as if I were important and a part of a company that treated their customers as friends. State Farm has just shown me that decades of loyalty mean precisely nothing.

Worst Insurance Company! If you have the same insurance company with the other party during claims, they will determine right away which party that they can save money! Without talking to the other party driver and took the incomplete Police Report in determining fault! Conflict of Interest - siding the party that can save them money! Very unprofessional! Low ball offer without proper evaluation! They just use a system to value your car without physical inspection! And when confronted, they said, they just did virtual inspection! I don't know how virtual inspection will be properly done!

I owned my car 3 months before a large limb fell on it and State Farm decided it was a total loss. I had not even driven it enough to the point where it needed it's first oil change. The payout on the claim is $4k less than the purchase price. When I spoke with a customer service representative name Donovan, I was told that there is no negotiation with the payout and they refused to send me to anyone else. I asked them more than once if this is all they are willing to do for their customers and was given generic corporate deflection responses. I will never give my money to State Farm again.

Recently I had a car accident the end of June. I became stressed and quite upset. I requested support and advise from my agent Chris ** and his team, I commend Chris for patiently listening to me and suggesting a solution to my dilemma. I was greatly assisted by Maria in the office who called me several times and is most compassionate and kind. Park Ridge State Farm Insurance with Chris ** as the Agent and Maria assisting is THE BEST! Kathleen A. **

If I could leave a 0, I absolutely would. Run from thos pos company as soon as you can before you get screwed; customer service I'm unheard of. No one contacts you. You have to keep calling these people to get the same shitty results every time. I had someone file a false claim on my account. And I guess it's all my responsibility to keep calling? I call everyday; I get no call back. I emailed what they asked me to. No response. This company is shit, the people who work here. Shit. Too high a premium, absolutely no help.

State Farm's handling of our claim left us disappointed. Even after providing an independent witness statement confirming their insured struck my son's vehicle from behind, they continued to assign only 25% liability. We feel the investigation did not fairly consider all available evidence.

Do not use State Farm for any insurance needs. I had a two-year-old truck with twenty-five thousand miles on it insured through State Farm. I somehow got a load of bad fuel contaminated with water and diesel bug. The contaminated fuel damaged my fuel system. State Farm denied the claim for wear and tear. Yes, a vehicle two years old and with only twenty-five thousand miles was denied for wear and tear. The proximate cause of the damage was the sudden and accidental introduction of contaminated fuel, not wear and tear. I know how far this company has fallen as I was an Adjuster for State Farm my first eight years out of college in the 90s. It makes me sad that a once great company turn into what it is now! My out-of-pocket cost to repair the vehicle is around 17K.

As a provider, I strongly urge you not to use this auto insurance. They have just done an update to where they will no longer verify if a personal injury claim is open and billable. Which means they have added yet another hurdle to not pay your claims!! This is going to cause tremendous issues within the medical community. You will now receive billing when it should go directly to your auto carrier. Causing you extra undue stress and hassles. Shop elsewhere for your auto insurance needs!!

Only gave one star because 0 isn’t an option. My agent was Gloriya ** and I have never dealt with a more rude, careless person. My concerns and issues with my policy were completely disregarded. It took them 3 months to get 2 of my 5 vehicles taken off my policy since we did not have those vehicles anymore. My bill was always wrong and they couldn’t tell me why this happened every month or why they were unable to get those 2 vehicle off my policy. She would sigh and huff and puff every time I called in to try and figure these issues out. If you want to deal with billing issues every month and rude people, State Farm would be a great fit for you.

We have been with State Farm for almost 10 years. We bundled our house and our cars. We went with State Farm because they were the cheapest. Being a military family, we couldn’t afford to be picky. We completely regret going with State Farm. We bought a house and through the years, the roof needed to be replaced. We can’t afford to pay out of pocket, so we thought the insurance would at least help, WRONG! We asked several times if they would help replace the roof because it was clear we needed a new one. The roof had hail and wind damage. Shingles missing, the roof was actually peeling off, and at one point, we had water coming into the house.

State Farm operates on a foundation of deliberate deception, institutional greed, and systemic bait-and-switch tactics. It is a deeply shameful organization that traps consumers through bad-faith business practices. When establishing my policies, I was entirely honest and forthright, explicitly disclosing a ticket on my record to the local agent before a single document was generated. Instead of entering the accurate data, the agent intentionally ignored my disclosure to fabricate an artificially low quote, greedily taking my full payment upfront before requiring any final signatures. Once my money was secured, State Farm waited until I was away on holiday to hit me with a predatory 50% rate increase on my auto policy for the exact ticket I had already disclosed.

State Farm’s claims process is tedious and a waste of time. After filing a claim, State farm agreed to pay for repairing our roof but not replacing it. We sent them evidence, including an Engineering report, proving that our roof could not be repaired. They decided it did not matter, even though they had agreed to have the report done. I have been with State Farm for 31 years. They are great until you need them. I would stay away, and now I am going with another insurance company.

Michelle is a very nice service representative in the office. She is kind and polite, very helpful and always makes sure you are well advised. She knows her insurance business and is pleasant to work with.

I had my house insured since 1992 with State Farm, so several months ago some shingles blew off the roof and I fixed them myself. I have done Construction most of my life, including shingling several roofs myself. They wanted a contractor's invoice as proof that the roof was repaired. I told them I repaired it myself, and I would send pictures, so they said send them at their number, which I did. I thought that was the end of it until I recently got a letter saying my insurance was being canceled because I did not show proof that the roof was repaired, so it's been canceled, and I'm in the process of finding another company. I would not recommend them to anybody. I had been a faithful customer with no claims for all of those years on my house and cars, and they treated me like this, so if you're considering State Farm Insurance, forget it. And in case you're interested, my agent's name is Devin ** in Southern California.

Byrant ** is great. He saved me a lot on my insurance. Please use him as your State farm representative.

I had State Farm liability insurance and another driver hit my car that has State Farm full coverage. I made a claim even though I only had liability and the other driver made a claim the same day which was the next day after the accident. They call me 10 days later and tell me that they're dropping my claim because I only had liability trying to make me feel as though the other driver wasn't going to have to pay because I only had liability. I had to purchase the crash report to find out that it was their insured that had hit my car, And by their own admission they had knowledge of the incident since the 23rd of February and they try they dismiss my claim on the 5th. The months were February and March. My bad but this is May now and they still are not wanting to pay me for my property.

I recently had to deal with a minuscule windshield chip—no bigger than a penny—and the experience with State Farm’s corporate service was a total nightmare. First, I tried using the website to submit the claim, but it kept throwing errors and wouldn’t let me finish the process. When I called customer service for help, I was shuffled around like a number, being transferred 4 different times. To make matters worse, I specifically requested a Spanish-speaking representative, but none were ever available to help me. It took over an hour of phone tag just to book a simple appointment for a tiny chip. The only reason this isn’t a 1-star review is because of Safelite. Once the appointment was finally set, Safelite handled the repair smoothly and professionally, as they always do. State Farm really needs to fix its broken website and provide better support for its customers. A simple repair shouldn't require an hour of my life and four different agents.

I experienced the best day ever when my agent Sean helped me with my issues. He was so kind, polite, and understanding. Thanks 😊

Sujeet ** did a Great Service, and was very knowledgeable and helpful, I would recommend him and his Office Jenny ** to anyone looking for Great assistance for Insurance (Auto/Life and Rental).

Had a hail storm, you didn’t cover the roof replacement, now you are increasing our price on our vehicles because our garage for our vehicles which is 7 miles away. You really suck

January, 2026 my car was sideswiped by a Toyota truck. The driver then pulled in front of me and hit their breaks. The State Farm Claims Adjuster did not see any problem with this because the other driver said I was in his lane! **. No more Good Neighbors from State Farm!

I have been with State Farm for 3 years. I have 3 cars, a house and a balloon policy. We were recently told that SF is canceling our Auto insurance due to a recent claim on one of my vehicles. Had I known that claims to have 2 windows replaced from rocks coming off other vehicles, I would have paid the roughly $1000 out of pocket to fix my car. However, I would not have guessed that window replacement would have factored into their decision. Lessoned learned, if repairs are minor, just fix it. I will be moving all of my policies to another company and based on this (and my appeal was denied), I would never recommend this company to anyone.

Greed, manipulation, bully tactics, and complete disregard for customers and their well being accurately describes my experience with State Farm auto coverage. State Farm’s real corporate mission statement is “our #1 goal is to protect State Farm’s financial health and growth, our customers are on their own”. I had State Farm auto coverage for two car accident claims where I sustained serious medical injuries. State Farm handled my first claim with immediate action and frequent communication which reduced my anxiety about need for medical treatment. Unfortunately my relief was presumptuous. State Farm focused their effort on pressure tactics to healthcare providers for immediate bill payment for the Drs. agreeing to large price reductions for treatment. This continued until my doctors made it clear my injuries were catastrophic and would exhaust the full medical insurance money I had.

We've been dealing with this company for over six weeks following a car accident, and the experience has been an absolute nightmare. They declared our car “totaled” but refused to let us take it to our own mechanic for verification. Instead, they had it towed to the furthest State Fair repair shop possible — clearly a move to make it harder to get independent quotes.

Local office is fine for service. That's where State Farm quality ends. They don't pay anything near sufficient for claims. See their YouTube videos about lawsuits against State Farm. Two claims in the past few years. Neither were our fault. The way they payout penalizes people for even being near their customers.

Insurance increased 15% from the previous 6 months, however I received a letter than I must switch to my bank ACH to save them less than 3% on card charges from VISA. I find it ironic.

Working with Rosie ** at State Farm Total Loss Department has been one of the most upsetting and frustrating experiences I’ve ever had during an already stressful situation. From the beginning, the communication felt dismissive and careless. I was given a strict February 6, 2026 deadline to accept the total loss settlement — which I met. Only after complying was I informed that there was no agreement in place with the repair shop and that additional days were needed to “figure out” storage and vehicle release. That failure to disclose critical information caused unnecessary delays and mounting storage fees. Throughout this process, I felt unheard, disregarded, and treated as though my time and financial burden simply didn’t matter. There was no urgency, no ownership, and no proactive effort to resolve issues that were entirely within the company’s control.

If I could leave State Farm a negative review I would. They take your money, but DO NOT stand behind their policies. Home, auto, trailers, campers, doesn’t matter, they do not stand behind the policies they sell. I have had insurance with State Farm for 50 years. Customer loyalty, doesn’t matter with State Farm. RUN from State Farm as fast as possible! You would have the same coverage if you took your money and struck a match to it and watch it burn. Jump on the class action lawsuit suit that is against State Farm.

I've left State Farm after 44 years! They were great up until I moved to Oregon. I'm being ripped off these days. Agent commissions I think. I'm 70 and drive the car once a week. The older I get and the less I drive the higher my payments become. That is being ripped off!

My husband and I have been with State Farm since 1974 and I can tell you right now they have become one of the greediest companies ever. They don’t care that you’ve been a great customer with minimal claims. The only thing they strive to achieve is to give their CEO a 27% increase Bonus at the end of the year. In order to do that, they raise individual rates every 6 months even doubling coverage. They use scare tactics to keep you from reporting minor claims with double cost of coverage or cancellation. It’s very discouraging to know when you do everything right someone takes advantage and brutalizes you.