State Farm Car Insurance Reviews

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.

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.

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.

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.

Ask many times regarding refund. I cancelled policy. I was also roped in to adding renters insurance. Response was requested through email and text. No response. Distasteful to say the least. They are holding a little less than 500.00. I am retired and on a fixed income and need an answer.

This has been the most horrible experience I’ve had in any situation. An uninsured driver totaled my vehicle and State Farm left me with 0 transportation after all was said and done. I pay for several thousands of dollars in coverage and not only did they total a drivable vehicle with rear body damage, which was salvageable per the mechanic, they are leaving me without transportation until I can purchase a new vehicle. I attempted to negotiate and explain it takes more than a week to get a vehicle, they will not allow me to keep the rental another 3 days despite my coverage being up to 1500 for a rental. Their policies are predatory and I ended up having to hire an attorney for the bodily injury claim as I am afraid State Farm will deny the claim.

Soon to be a former State Farm member after 25+ years. I have received the WORST claims experience EVER! I would highly recommend you run from their approved vendors. State Farm website list their preferred vendors, guarantee a complication date. I am now on my 5th GUARANTEED date with little to no help from the company pay premiums too. I have been without a vehicle/rental for weeks now.

Very disappointing claims experience with State Farm. Incorrect information was entered on the Power of Attorney which caused unnecessary delays. I was told this was entered “by accident,” which is unacceptable. State Farm also claims the POA was mailed, but we never received it. Multiple calls and emails have gone unanswered, further delaying the claim. This has been the worst claims experience I’ve had, and the lack of accuracy and communication is extremely frustrating.

Had a wreck October 14. On October 16 the company that I took my car to to get repairs sent in a quote to State Farm claims. I followed up every week. It took them a month before they sent their adjuster out to the company then because of this delay, the company charged them a storage fee in which then they stick me with $1000 of. Took 90 days to get my claim finished. Then their insurance paid only $10,800 on a $38,000 2018 car that had been insured with him since 2019 when I bought the car. It is now six years old. Retail pricing on the Internet that I can find is between 13 and 15,000.

After 15 Years with State Farm, I’ve Never Felt More Disrespected. If there were a zero-star option, I’d choose it. I’ve been with State Farm for over 15 years, and I used to speak highly of them — but the way they’ve handled my recent claims has been appalling. I’ve now had two separate claims — one for my totaled car and one for a life insurance policy payout — and both have been a nightmare.

I've been with State Farm for over 25 years. About 5 years ago a kid who was drunk and high when he ran into my house. He caused $70K plus in damages. He didn't have insurance, so I "HAD" to file it on my HO's. to get it fixed. I just received a notice of cancellation the other day, so I contacted my agent who filed an appeal, but they denied that as well. I have only had one other claim about 10 years ago when I hit a deer. I honestly thought everything was good because it's been so long. Now my hope is that people will see this and say "F" you state farm and take their business elsewhere.

State Farm Left Me Over a Month Without a Vehicle – No Communication, No Resolution. I am extremely frustrated with State Farm’s handling of my claim (**) from an accident on October 28, 2025. No one contacted me after I filed the claim. I had to call repeatedly just to get basic information. The adjuster, Danielle Jenkins, has offered no progress and continues delaying everything.

On approximately middle of May 2025, I filed a front windshield claim with State Farm insurance. They sent this claim to their third party Lynx. Lynx called and set up a time to have it replaced at my home. When the installer arrived, he proceeded to remove and replace the glass. When this happened, he broke the front camera cover behind my rear mirror. In addition to the broken camera cover he installed a defective windshield. Notified State Farm through their claims handler ** to complain. He started a claim **.

State Farm has delivered the worst insurance experience I’ve ever encountered. A contractor insured by State Farm made a clear installation error that caused one of my rooftop HVAC units to burn up. State Farm confirmed the contractor was covered, yet after over ten months, they still claim my file is “under review.” My tenants have no heat, and State Farm repeatedly avoids calls, emails, and accountability. Only after I provided their own certificate of insurance did they admit coverage. Nearly eleven months later, I still have no answers. Absolutely unacceptable company to work with.

Updated on 11/25/2025: Went to pick up my car today after writing the first review and "WOW"! The State Farm adjuster declined to pay the full amount owed to the body shop! I had to pay the difference owed! Over $2,000.00!!! to get my car back! I called State Farm to see what happened and was told the body shop I used wasn't in their network, so any differences are on me! Let this be a lesson for everybody about buying a policy from State Farm! I am now filing a complaint with the Arizona Department of Insurance! Signing up with a better insurance company this week! The cheaper rates will allow me to make up my losses over time if I lose the complaint? FYI

State Farm Reedsburg WI. Wonderful experience. First time going for quotes in over 20 years. Sam at Reedsburg WI has as fantastic. Thanks for all your help and look forward to years as bring a State Farm customer.

Our agent is amazing. But filing a claim is an absolute nightmare. No one returns emails or phone calls. I had to reach out to my agent to get connected every time. The preferred shop that they recommended was awful. They had my car two weeks. No estimate and when I questioned the owner he was extremely rude and said to just come get the car because he was busy. The amazing customer service provided by my agent does not carry over unfortunately.

I paid for 6 month contract. Many things went wrong on their end with payments from my bank account in limbo so There were times I had to pay double. Along with terrible customer service, while being left with no answers as to why certain things were happening with my account. I tried several times to work with them because who wants to cancel their insurance in the middle of a contract plus the consequences of being without insurance when you have a LIEN HOLDER ARE EXPENSIVE!!!

Since 1996, I have been a client of State Farm. In 2023, State Farm admitted liability in a collision involving one of our company’s work vans. Despite this acknowledgment, State Farm approved a rental van for our use. However, after the claim was filed, State Farm informed us that they would not cover the majority of the rental expenses. Furthermore, the claims representative, Karla, exhibited unprofessional and rude behavior throughout the process. This summary provides a concise overview of the unsatisfactory situation we have encountered with State Farm.