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State Farm Insurance Reviews

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What is your customer experience with State Farm Insurance?

State Farm Insurance Overview

The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.

AI insights based on reviews
Rating Distribution

State Farm Insurance reviews show a 1.5 star rating from 357 customers, 6% would recommend, and consumers are mostly dissatisfied with price level and reliability; many want the company to offer a solution.

Key Takeaways for Future Customers

  • Expect long waits to reach a person; customer service issues recur.
  • Watch billing, refunds, and premium increases closely.
  • Local agents praised, but claims handling and app problems are common.

Negative Feedback / Risk Areas

  • Frequent customer complaints about claim delays and denial.
  • Billing errors, refund disputes, and alleged price gouging.
  • Automated phone systems and poor responsiveness.

Positive Feedback

Many reviewers praise pleasant local agents and some excellent agent service and claim reps.

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Featured
Demon B Aeo

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Flat Lick, Kentucky
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AI Highlights
  • - Insurer overcharged and refused to cover bills.
  • - Drive Safe and Save app drained battery and was merged later.
  • - Bills ranged from $60 to $130.
State Farm Insurance - STATE FARM RATE HIKES
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Updated by user Dec 19, 2025

If a company raises your bill without first informing you and if they inform you that it's because "inflation" that is demonstrably false.

Original review Dec 04, 2025
My car/auto/rental insurance, in which I had full coverage (liability), refused to cover bills or 'build a rapport.' They overcharged me multiple times, in which I had to complain about the bill, forcing me to use their gadget 'Drive Safe and Save,' wherein the app drained the battery severely. I complained about this as well.

After I complained, they updated the app several months later and combined the two services. They still continued to raise my bill. My lowest bill was $60, and my highest bill was $130.

After I canceled my other agent, 'Clint Mosley,' he still tried to bill me for nonexistent services and threatened to send it to collections. My current agent re-credited my bill down to $80 but then raised it back to $100.
Loss:
$1000
Pros:
  • Ease of access
  • Competitive prices and policies
  • Easy setup
Cons:
  • Rate hikes
  • Lack of transparency
  • Over-charged

Preferred solution: Price reduction

User's recommendation: Switch to Progressive

View full review
Gloria T Vlo

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

PRICE GOUCHING

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I have multiple car discounts and rental insurance. Why is my son's car 6 years old and he went from $148 to $278 with a $500 deductible or $233 with a $1,000?

This is why State Farm is in massive claims with the customers.

I am hearing people getting settlement checks back from y'all. Prices gouging more than likely.

Loss:
$278
Pros:
  • All the scandal
Cons:
  • All the scandal

Preferred solution: Full refund

User's recommendation: DONT

View full review
Mary A Fjb

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Clayton, Indiana

I rate the agent service as 5 stars. Also, their claims department is fabulous. I need to talk with a PERSON today and I am hung up in their AI phone tree from ***

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I cannot log in to my account online, and I cannot download the app because it gobbles up too much memory on my phone. AI cannot solve this.

Preferred solution: A phone call from customer servicer, NOT, my agent, who can doo nothing to resolve this particular issue

View full review
William P Ibw

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Sir: I have been waiting on State Farm...

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Sir: I have been waiting on State Farm to call me regarding April 30, 2026 MVA rear end collision by your insured *** of policy 0501003-SFP-11 to follow through with the repair or settlement costs for my vehicle damaged in the MVA aforementioned above. It has been 6 weeks since and no one has given any indication for transportation assistance repair or decision for my damaged vehicle.

I have talked with at least three individuals with your company up today June 12, 2026 for assistance in my claim according to the police report it was the lady *** fault. I have some continuing injuries also for medical and personal expenses. I have waited patiently for your return and expeditious service for this mishap. I would appreciate your return response to claim #110B2L536.

I am not a State Farm Customer because of an incident 35 years ago that you did not take responsibility in paying for that claim.

Thank you. ***

Loss:
$250000
Cons:
  • Cons are predominant in my painful memories and physical condition

Preferred solution: SETTLEMENT to restore and replace my brain, body and my automobile.

User's recommendation: Dont have faith in State Farm to stand "like a good neighbor" when you have an accident or sustained permanent injuries. Their lawyers are nothing more than manipulative liars.

View full review
Lisa B Unz

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Atlanta, Georgia

Ben Spargue State Farm office is trying charging transfer fee

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AI Highlights
  • - Policy renewed 6/25, canceled 7/2; premium 254.78 paid, 109.34 refunded.
  • - Prorated refund 219.38 (35.40 est.), 145.44 difference; no cancellation fee.

State Farm office no charging illegal transfer fee... My policy renewed on 6/25 and I canceled my policy on 7/2.

Premium was paid on 7/27 of $254.78 and I was only refunded $109.34, a difference of $145.44. Prorating my policy should be estimated at $35.40 with a refund of $219.38. I have contacted another State Farm office to verify that there are no fees charged to transfer.

I also asked Google, and it clearly states that State Farm does not charge a cancellation fee for terminating your auto insurance policy early. If you have prepaid your premiums, you are entitled to a prorated refund for the unused days of coverage.

Loss:
$219
Cons:
  • Not there when you need them to help

Preferred solution: Full refund

User's recommendation: Not to use Ben Spargue for your insurance agent

View full review
Mike M Rum

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Panama City, Florida

Very poor customer service by *** in ***, ***

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AI Highlights
  • - State Farm doubled homeowners premium without a claim.
  • - Cancellation on May 1; refund requested; underwriters reviewing.

State Farm doubled my homeowners policy without me filing a claim and my credit score is around 800. So, i had to seek insurance elsewhere.

I had just paid the renewal policy on April 14th 2026. It was due April 18th. I was notified the policy was going from $1722.00 per year to $3114.00 so I cancelled the insurance on May 1st 2026. After numerous phone calls and a sit down with *** of ******, they continue to tell me the cancellation has to be reviewed by underwriters.

What's to review? The policy was cancelled 7 weeks ago. SEND ME MY REFUND. I asked *** if I was 7 weeks behind on my policy payment would I still be covered?

He said probably not. See the irony? Please send me my refund minus the 12 days of coverage!

policy number ***. I do not understand your sad business practice!

Cons:
  • Will not refund money they owe me

Preferred solution: Full refund

User's recommendation: DO NOT USE STATE FARM!

View full review
1 comment
Guest

Just an fyi, *** allows insurers to use the “short-rate cancellation”. They may be keeping 10% of the amount.

Lynne M Pok

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Amarillo, Texas

They wont press a button to accept one piece of paper

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I have had State Farm insurance for 36 years of my adult life, and I grew up in the State Farm world. We have had two claims ever on our homes: one on a house in town in 2008 and now one in the country in 2025.

We replaced our roof just as we were renewing the policy in September. We have a class 4 roof, and our roofer did the paperwork, and I took it to *** to get our discount. Because we were at renewal when the roof check went through, they billed us for an extra $1,919.00 due to no class 4 proof. That proof was sitting in the agent's office.

We have been waiting since September trying to get the main State Farm to accept our class 4 roof certification. There is nothing wrong on our end. The agent has sent it in several times, and we wait weeks for it to go through, and there is always an issue with the paperwork sent by the agent that the main office can't seem to find us. How convenient!

Meanwhile, in two weeks, I will no longer have coverage that I paid a full year for because I haven't done my job. I am furious, and no one seems to care.

Glad they took my money all those years. I think I paid for my own roof.

Loss:
$2000
Pros:
  • I have had them for years
Cons:
  • No longer any thing good about this company

Preferred solution: My paper work added by corporate so I don't loose my converage I have paid for

User's recommendation: Find another company

View full review
Raechel Zug

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer
| map-marker Louisville, Kentucky

To see I opened a bunch of envelopes today they said all my car insurance was canceled and I don’t understand why they took the moneydropping me has there my insurance company

Someone could at least say yeah or no I cant go nowhere right now. So Ill force July weekend I cant drive because I dont know.

But I am not pissed. I love Ryan and Teresa Teresa always make sure I have the right coverage for whatever I need but now that theyre gonna drop my homeowners cause the debris in the yard I dont have a debris in the yard, are they just looking for a reason to get rid of me?

User's recommendation: Stay calm and weather after the storm, I guess

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Anonymous
map-marker East Falmouth, Massachusetts

Can't talk to a person

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I have been trying for weeks to get State Farm to give me an updated quote for a policy. They promised to put it online but they didn't and seem to have no record of the original request.

Every attempt to talk to a person requires 30+ minute wait and I haven't gotten anywhere. What a *** customer service process.

User's recommendation: Find a company that answers their phone

View full review
Anonymous
map-marker Dallas, Texas

Pay my bill

AI Highlights
  • - Moved address; unsure updated; requests confirmation.
  • - App not working; deleted; needs reinstatement.
  • - Requests callback; bill help and agent contact.

Hello, I seem to have lost track of State Farm Insurance I did move however I thought that I gave you the new address I have been working with the app which doesn't seem to work very well so I deleted it I believe the phone call was pursuant to paying my bill and find out who my agent is. Also reinstating the app.

Please have someone reach out to me at 517-455-****. And let me know how to proceed of course you have my email already which is b r e n t y c 13@***.com thank you so much hope to hear from you soon.

View full review
Cora P Mtk
map-marker New Castle, Delaware

Claim rep unresponsive

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AI Highlights
  • - Automated system leaves no option to talk to a live agent.
  • - The claims representative has not contacted me in five days.

Your company has the worst customer service system of any large company. Your dependence on a totally automated system is a complete disaster.

There is no mechanism to talk with an individual. Today I will start calling some of your board of directors, Keith Block and others. No need to talk with Mr. Farney or Chris.

This text exists because my claims rep, Tyree Papp, has made no contact since I filed a claim five days ago.

Absolutely the worst customer service. Should you desire to contact me, which is doubtful, my number is 302-229-****.

User's recommendation: Don’t do business with State Farm Insurance

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Anonymous
map-marker Jackson, Mississippi

Subject: Formal Complaint Regarding...

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AI Highlights
  • - Feels neglected and faces high premiums despite good credit.
  • - Plans to document incidents, report to authorities, and try another insurer.

I will like to attempt to reply on or before due date expires with other insurance company. No one has called and do not want negative impact my score to reply today.

I want to be very clear: I strongly believe I have been neglected.

I am an older consumer with good, improving credit, and I have paid on time. Yet you continue to assign me pattern high premium rates as if I am satisfied with these rates. This has become a repeated pattern with your company and others, and it is unfair.

A whistleblower has already informed me that when a person has been charged high premium rates in the past, companies assume they will accept it again in the future.

That is exactly what I am experiencing. That is outrageous and predatory.

I am documenting every instance of this pattern and reporting it to the appropriate authorities.

Thank you.

User's recommendation: Lower Prem rates when you see person has tried recovery from challenges

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1 comment
Guest

It’s not a pattern if all the other companies are charging the same/close rate.

Elizabeth B Hks
map-marker Oakland, California

Need road side assist

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Due to the weather-related hit in my area, my van wouldn't start. I needed to get roadside assistance to either get a jump or a reason why!

User's recommendation: Highly recommend, great customer service and assistance!!

View full review
Gloria J Xgw
map-marker Fairfield, Ohio

Payment

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Agent didn't respond.

Left me on mute.

I waited for her return to the call, and no response was provided. Unsatisfied.

Preferred solution: Need to pay

View full review

Insurance Expert Talks

Insurance Claims Tips: What Red Flags to Watch Out

Insurance Claims Tips: What Red Flags to Watch Out

How to file an insurance claim? Why do you need a public adjuster? Vince Perri, CEO of Commercial Claims Advocate, shares his best tips about insurance claims. Find out how to deal with complex residential insurance claims and commercial losses.

Read full article
Vince Perri
Vince Perri

Vince Perri is a Expert Claims Adjuster and CEO of Commercial Claims Advocate. He has over 14 years of experience in handling large commercial losses and complex residential insurance claims.

Tyneka W

Claims

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AI Highlights
  • - On Feb 23, 2026, there was an interstate crash with an ineligible driver.
  • - June 2026 letter says fault is mine.
  • - I plan to hire a lawyer.

On February 23, 2026, I was hit on the interstate by an older woman who was not supposed to be driving, and that's what her son said to me. The accident happened in February of 2026, and I never spoke with anyone from ***.

Fast forward to June of 2026, and I get a letter in the mail stating the accident was my fault. When I reached out to the rep, whose name is in the letter, I got a different answer.

I have a lawyer all of a sudden. I have not spoken to a lawyer either, but now I am going to find a lawyer to sue their *** Please do not get them for any type of policy; they're your money and lie to your face that they didn't even take the money from your account.

Loss:
$6000
Pros:
  • Policy
Cons:
  • Liers

Preferred solution: Full refund

User's recommendation: No, I would not

View full review
Featured
Ben S Mdn

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Dishonest bastards are perpetrating insurance fraud against us!

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AI Highlights
  • - Tornado damaged a 2018 Nissan Rogue; claim processing has been slow.
  • - Rental issues: 7-day limit vs 30 days and BBB complaint helped restore rental.
State Farm Insurance - Dishonest bastards are perpetrating insurance fraud against us!
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State Farm Insurance - Dishonest bastards are perpetrating insurance fraud... - Image 2
Updated by user Aug 30, 2025

So I fired State Farm yesterday. I have the state agency that regulates them in Missouri investigating them for fraud. One of the very worst companies I’ve ever been unfortunate enough to do business with but they will never see another dime from me in this lifetime!

Updated by user Jun 20, 2025

State Farm continues to ignore the well-correlated comparables and instead keeps sending me the absolute garbage data set developed by their third party *** partners in an ongoing attempt to defraud us.

Original review Jun 20, 2025
So a tornado dropped a tree on my daughter's pristine 2018 Nissan Rogue S with only 63,247 miles on it back in the beginning of May 2025. Picture is of the kid's car.

She missed a few days of work and has had so much trouble trying to get the claim processed reasonably that I had to take it over. So much for learning a bit about adulting. Thanks for being a lousy company, State Farm!
State Farm screwed up having it towed, made her an appointment at a rental car company that didn't have any cars available, notified us we only had 7-day of rental car instead of the 30 in the policy on Friday before Memorial Day (wife and I are both VA-rated disabled Veterans) and pulled back the rental the next week (note: a BBB complaint convinced them to restore the rental but they took that action after the car had been returned and they had paid the bill - lousy rotten bastards!).
So...what else? How about this: they're rejecting the comparables I've provided from the two largest used car resellers in the United States and instead are sending us comparables that have very poor correlation with the loss vehicle.

How poor? What about including cars with more than double the miles, cars from California and listings from months ago.
So they're refusing to accept well-correlated comparables and keep sending me the same garbage comparables. Today they declared that we're at an impasse and told me they want me to spend money to hire an independent appraiser.

Actually, they want me to spend money on three independent appraisers. I'm thinking the right answer is to hire a lawyer instead.
Dirty, rotten bastards!
Loss:
$3000
Pros:
  • Do a fair job of dodging class action lawsuits
Cons:
  • Claims process is horrible
  • Will do their best to screw you over
  • Agent is great but claims folks suck

Preferred solution: These dishonest bastards need to pay us what the car is worth and stop trying to defraud us

User's recommendation: Stay way far away from State Farm - agent may be great but their claims process will screw you through the drive thru!

View full review
9 comments
Guest

Are they ordering you to hire an appraiser or are they telling you “here’s what our appraiser says it’s worth” , you don’t agree and they said then get your own appraisal? You make it sound like they are asking you to pay their in-house appraiser from the get-go.

Ben S Mdn
reply icon Replying to comment of Guest-2710201

Good question. The answer is that we disagree on the valuation so they want me to pick an appraiser, they'll pick one and then the two appraisers are to meet and select a third appraiser.

They expect me to spilt the cost of all that nonsense with them because they still refuse to accept the far better correlated comparables I've provided.

Beyond that, they are attempting to reject some of my comparables based on distance but the unethical SOBs included comparables in their valuation from over 1600 miles away. They are digging themselves one *** of *** There's quite a class-action lawsuit brewing in all of this because they have an unethical approach to determining valuation.

Ben S Mdn
reply icon Replying to comment of Guest-2710201

No - those fine Americans think that we need to hire an fire team of appraisers: I hire one, they'll hire a second one and those two will put their heads together on selecting a third person. State Farm thinks all of this is reasonable yet won't consider the pile of comparables I've provided.

Seems like complete nonsense and they expect me to cover half the cost of those three completely unnecessary appraisals. We're only $3k apart, for goodness sakes! Terrible insurance company! Avoid them at all costs.

Their agents may be wonderful but the claims process is their downfall. I understand from my agent that she loses a lot of business anytime someone has a claim.

Guest

What value of the car has SF come up with ? What value are the comps you have come up with?

Ben S Mdn
reply icon Replying to comment of Guest-2710199

Great question! Loss vehicle was a 2018 Nissan Rogue S with exactly 63,247 miles on it.

I constructed searches on a number of different platforms that included pretty restrictive criteria in order to really zero in on actual cash value. I specified no accident history, mileage between 60-70k, must be S trim line and no previous fleet/rental usage. Basically, I described our vehicle to a tee and came up with $17,448. Worth noting is that this proposed valuation I've provided is lower than it would be were they to apply their mileage adjustment as almost all comparables had more miles than the loss vehicle.

I also cut them a break by not including shipping on any of the comparables even though it ranged from $300-****, depending on the vehicle. What they provided as comparables aren't really comparable. They included vehicles with as many as 148,300 miles, included different trim lines, included comparables from more than 90-days ago and also as far away as California. *** they even tried to pass off one comparable as two because they must think their policyholders are too stupid to spot something like that.

Their number is $14,729. Pretty hard to believe a company like State Farm is willing to have a policyholder absolutely wail on them over a $3k difference. Even more shocking given that we have been paying about $20k/year in premiums across all of the State Farm policies we currently hold.

Obviously. they are losing our business!

Guest

Why is SF not paying out cash for repair or if totaled the value?

Guest
reply icon Replying to comment of Guest-2709973

The problem is they declared the car a total loss but are trying to lowball the settlement by over 20%. They refuse to consider either set of comparables I’ve provided.

They are trying to convince me that mathematical adjustments to the cost of dissimilar vehicles is more accurate than the comparables I provided. For example, I searched for vehicles (exact same make, model and trim level) with between 60-70k miles because that describes the vehicle in the picture. They are trying to use mathematical computations (and won’t show the math) to adjust the value of one of their comparables that has over 130k miles. There’s not really a single comparable they provided that’s as close of a match as what I found through my research, which was shared with them.

No reasonable person would agree with their approach when much more similar vehicles are currently on the market.

They’ve also been trying to include vehicles that were in the market 3+ months ago and don’t really match our car very well either. Complete ***

Ben S Mdn
reply icon Replying to comment of Guest-2709973

They are busy trying to really screw us over on the valuation. My comparables that I've provided are far better correlated to the loss vehicle than theirs are.

We are about $3k apart and they are behaving horribly.

Now they want to hire appraisers and spend a bunch of our money because exercising a little bit of common sense is apparently way too much to ask. Dirty rotten bastards!

Ben S Mdn
reply icon Replying to comment of Guest-2709973

Mainly because they suck! There's a reason I've filed a couple of written complaints against them with the Missouri Department of Commerce and Insurance.

I believe their behavior on our claim is unethical and likely illegal. Try googling this: State Farm class action auto valuation.

They are getting sued all over the place because of their various attempts to defraud their policyholders when they experience a total loss. Real *** behavior!

View more comments (8)
Rooney Zut
map-marker Prescott Valley, Arizona

Cancel policy as if today

Lost phone connection with agent. I need to cancel policy as of today. I have found lower policy with another company

View full review

About

Summary

State Farm is a group of companies that provide different financial and insurance services. It was founded by George J. Mecherle in June 1922. Its headquarters is based in Bloomington, Illinois, United States. State Farm Mutual Automobile Insurance Company is the main business in the group. State Farm specializes in insurance, investing, and banking. It offers a broad range of insurance options including car insurance, medicare supplement insurance, long-term care insurance, supplemental health insurance, business insurance, and many more. State Farm Bank provides checking accounts, credit cards, home mortgages, saving accounts, car loans etc. There are State Farm apps for mobile devices with Android and Apple operating systems.

State Farm Insurance reviews and complaints

State Farm Insurance is ranked 322 out of 2436 in Insurance category

Area Served

USA, Canada

Payment Methods

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