State Farm Insurance

UPDATED: Aug 20, 2020Fact Checked

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 20, 2020

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Company Details
Address: One State Farm Plaza
City: Bloomington
State: IL
ZIP Code: 61710
Phone Number: 877-734-2265
AM Best Rating: A++
URL where was collected the AM Best Rating: http://www3.ambest.com/
Lines of Insurance: auto, health, care, life, disability, home
States Licensed To Sell Insurance In: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
Type of Insurance Company: Mutual
Parent Company: State Farm® Companies
Top executive Contact: Edward B. Rust, Jr.
Title of Top executive: Chairman
Ticker Symbol: STFGX
Assets & Premiums: Total Assets: $129.338 billionNet Income: $1.836 billion
Insurance subsidiaries:
  1. State Farm Fire and Casualty Company
  2. State Farm Indemnity Company
  3. State Farm Lloyds
  4. State Farm Bank, F.S.B.
  5. State Farm Investment Management Corp.
  6. State Farm Life and Accident Assurance Company

Company Overview:


Company History: Founded in 1922 by George Jacob Mecherle in Illinois as a mutual auto insurance company, State Farm was originally a single line auto insurance company. Now the company has over 100 services and products and insures more homes and cars than any other insurance company in the United States. The company is ranked #44 on the Fortune 500 list with 65,000 employees and 18,000 agents. It has over 80 million policies and accounts and its bank has over $15 billion in assets.
Principle Sales Methods: Career agents. State Farm has over 18,000 career agents in force.

Life Annuity Business: State Farm offers Term Life, Whole Life, Universal Life, and Variable Universal Life policies. The company also offers Small Business Life Insurance with business continuation, key employees, employee benefits, and key employee incentives.
Auto Business: State farm offers a variety of coverages including: liability coverage, medical payments coverage, collision coverage, comprehensive coverage, uninsured motor vehicle coverage, underinsured motor vehicle coverage, car rental and travel expenses coverage, and emergency road service. The company also offers a variety of discounts including: good student discount car insurance, multiple automobile discount car insurance, multiple automobile discount care insurance, good driving discount car insurance, Steer Clear safe driver discount car insurance, defensive driving course discount car insurance, and the Drive Safe and Save discount program.
Homeowners Business: State Farm offers coverage for homeowners, condo unit owners, manufactured homeowners, renters, farms and ranches, and small business owners. Homeowners Insurance does not cover bodily injury or property damage by uninsured peoples, business pursuits, professional services, or ownership, operation, use, or maintenance of motor vehicles, aircrafts or certain watercrafts.
Health Business: State farm offers multiple health plans including: individual medical coverage, medicare supplemental insurance, medicare part D coverage, and supplemental health insurance. The company also offers supplemental health insurance for things like: unexpected child care, private room fees, and extra phone calls to friends/relatives. State Farm offers Disability Income Insurance, mortgage disability income insurance, and individual credit disability insurance. They also offer a long-term care insurance policy.
Special Business: State Farm offers insurance for various sport and leisure vehicles and identity protection.

Reviews
for State Farm Insurance

4.10 (17,737 reviews)
5
November 21, 2022

KaraT

[REDACTED NAME] is the BOMB!!!

I had just lost my mom my dad is in and out of ICU my daughter has special needs and I have lupus. I spoke with this lady named [REDACTED NAME] and she Was absolutely phenomenal she was kind understanding and empathetic and did her job with a level of professionalism that I haven’t seen in a long time. I am also a domestic violence survivor and the shop we selected was rude and very aggressive towards me I didn’t even feel comfortable checkin...
I had just lost my mom my dad is in and out of ICU my daughter has special needs and I have lupus. I spoke with this lady named [REDACTED NAME] and she Was absolutely phenomenal she was kind understanding and empathetic and did her job with a level of professionalism that I haven’t seen in a long time. I am also a domestic violence survivor and the shop we selected was rude and very aggressive towards me I didn’t even feel comfortable checking on my car and she understood how I was feeling reassured me that she would do her very best and she did! I was so upset but [REDACTED NAME] turned everything around and I’m so grateful that God sent me to her! She was so sympathetic and genuine that it literally changed my whole day and perspective!! Thanks for going BEYOND your job!!! somebody PAY her!!! She DESERVES a RAISE!!
5
October 22, 2022

S_Khan

Best Insurance Company

We recently had a car accident & an uninsured driver hit our car. State Farm took care of everything for us & it was a very smooth fast process. Special thanks to [REDACTED NAME] she went above & beyond. Her follow up & communication was excellent. I am so happy with State Farm & their service. I highly recommend this company
3
October 15, 2022

Ric75319

Bait and switch

Check your policy carefully. My experience has been that they don’t return emails, didn’t set up my auto policy as agreed on several things such as the payment schedule and deductibles. [REDACTED NAME]’s care of my policy requests was the worst. Super curt in response to a routine emailed policy change and to make matters worse never followed up. Now that I really think about it I’m not even sure how I ended up with this particular locat...
Check your policy carefully. My experience has been that they don’t return emails, didn’t set up my auto policy as agreed on several things such as the payment schedule and deductibles. [REDACTED NAME]’s care of my policy requests was the worst. Super curt in response to a routine emailed policy change and to make matters worse never followed up. Now that I really think about it I’m not even sure how I ended up with this particular location. Somewhere along the way SF did an agent switch without informing me 🤷‍♀️ Lastly as far as banking? Jurassic Park!What a hassle !!! It’s literally been decades since I got a check in the mail!! $5.95 🥹
3
September 21, 2022

Lovebird

Shocked at service

Just shocked! Been with the company for 12+ years, hit something in my yard, filed a claim, and have yet to hear from a claim agent. I had to reach out myself and did the estimate picture assessment, which was supposed to be 24 to 48 hours, but haven't heard from anyone. Been four days, lack of concern for the customer, I guess that don't have the proper staff, not sure, guessing here. Nothing like what they used to be.
1
July 17, 2022

Joshua03

Claims review from an industry insider

Long story short, I had been a loyal State Farm customer for about 30 years. They recently started giving me a hard time because I like to buy different cars, as I'm an auto enthusiast. I recently rented a vehicle for a family trip and had a minor not-at-fault accident. My agent flat refused to take the claim, first alleging that I HAD TO file with the other insurance company. I declined, and she then told me I had to report the claim online....
Long story short, I had been a loyal State Farm customer for about 30 years. They recently started giving me a hard time because I like to buy different cars, as I'm an auto enthusiast. I recently rented a vehicle for a family trip and had a minor not-at-fault accident. My agent flat refused to take the claim, first alleging that I HAD TO file with the other insurance company. I declined, and she then told me I had to report the claim online. I tried to do that, but was told I couldn't because it was a rental car. I had to call a 800 number. I did so and was told the process takes 20 minutes and the hold time was 25 minutes. I called my agent back and she again refused to help. Needless to say, I have moved to a different carrier as of a few days ago. I am in the same line of work as State Farm, and have been for 25 years. I am deeply familiar with the auto insurance world and the claims process. This level of service is utterly unacceptable and I would NEVER allow such things to occur with my employer. State Farm, you spend an untold fortune advertising your service on all forms of media. However, your actions don't back up your claims (pun intended). I have also interviewed literally dozens of your staff over the years, if not hundreds, and all say the same thing. A poor place to work. You have a lot of work to do, State Farm.
1
July 8, 2022

ajack

How can State Farm treat me like this????

Back in Jan 2020 (CLMS - 2004G091k) someone from State Farm hit me from behind while driving to work. From the start they claims guy attempted not to fully repair my vehicle claiming all damages were not from the accident. He reviewed the accident site on Google Maps. My car had never been hit or damaged until that day. Fast forward to COVID shut down March 15, 2020 and then being diagnosed with cancer which caused me to stop treatment for neck a...
Back in Jan 2020 (CLMS - 2004G091k) someone from State Farm hit me from behind while driving to work. From the start they claims guy attempted not to fully repair my vehicle claiming all damages were not from the accident. He reviewed the accident site on Google Maps. My car had never been hit or damaged until that day. Fast forward to COVID shut down March 15, 2020 and then being diagnosed with cancer which caused me to stop treatment for neck and back pain from the accident and stay safe at home. I later found a doctor who would treated me for the pain in August 2020. I received his bill which he attempted to turn into the claims department with no success. I then receive the bills which I forwarded to State Farm and I'm told they will not honor them because of the 2 year limitation. The USA was shut down, billing was late, people didn't go to work and so forth. All I asked was to pay a $2,400.00 bill which they didn't pay any of my other bills sent to them. Oh, nor did they pay for the yellow paint and side fender damage on my vehicle either. This is how State Farm treats people their clients hit. I know next time to hire a good lawyer no matter what when hit by a State Farm insured driver.
1
June 13, 2022

samdou

[REDACTED NAME] [REDACTED NAME] State Farm Agency / State Farm Unsurance

Would not recomand this Agency to anybody. Never a call back or any update from this Agency regarding my on April 26,2022 cancelled Aoto Policy. No Refund of almost $200 issued after almost 3 weeks and just called again and received the message that it is still not processed. A company like Statefarm denies a Refund for a non provided Service and this Agency sees nothing wrong with it. Seems like a Joke.... but it is true. There is nothing else ...
Would not recomand this Agency to anybody. Never a call back or any update from this Agency regarding my on April 26,2022 cancelled Aoto Policy. No Refund of almost $200 issued after almost 3 weeks and just called again and received the message that it is still not processed. A company like Statefarm denies a Refund for a non provided Service and this Agency sees nothing wrong with it. Seems like a Joke.... but it is true. There is nothing else left as to warn any customer who wants to get involved with State Farm and The [REDACTED NAME] [REDACTED NAME] State Farm Insurance Agency. Stay away from both of them!!!!! policy# 409337E2659 Cancelled by me on April 26,2022 with confirmation received from PW Agency.
1
June 10, 2022

Caitlinc

Somebody stole my catalytic converter

Somebody stole my catalytic converter out of my Prius. I was impressed by State Farm when I initially called them because they quickly reserved a tow truck to come out the same day and take it to storage for the weekend. State farm also told me I could choose any repair shop, so I chose Toyota where I get all my repairs done. Toyota provided an estimate on their next business day. State farm approved the estimate and issued the payment right afte...
Somebody stole my catalytic converter out of my Prius. I was impressed by State Farm when I initially called them because they quickly reserved a tow truck to come out the same day and take it to storage for the weekend. State farm also told me I could choose any repair shop, so I chose Toyota where I get all my repairs done. Toyota provided an estimate on their next business day. State farm approved the estimate and issued the payment right after. I told Toyota to order the parts and get started. A week after filing the claim, state farm calls me and tells me they accidently overpayed me and they wanted most of it back. Feeling skeptical, I held onto it until repairs were finished. Toyota still was billing me for the full amount once it was fixed. After being transfered to multiple areas of State Farm, I finally figured out what the problem was. State farm initially approved OEM parts, and then realized later that they only want to cover after market parts. Those non-factory parts can not be ordered by the repair shop that statefarm told me I could go to. When I asked if they would order the parts, they said that they don't supply parts. While all of this is happening, Toyota has been out of the loop and fixed my car with OEM parts because it's all they had! I am a delivery driver and have been without a car for two weeks now. My car is fixed and waiting to be picked up, so I paid for the repair because I'm losing more money every day I don't work. Now State farm is requesting that I return most of the payment because they don't want to pay for the only parts I have access to. Why should I have to pay for State Farm's error? The estimate was already approved and payment was issued when repairs were started on the vehicle. They don't have any right to ask for that money back when they accidently approved the wrong thing. And we are talking about a $2100 difference. Very small amount for a company like statefarm compared to more than 1 month's income for me as a delivery driver. Speaking with a lawyer and the press to get the word out that this is not a company that honor's their initial agreement with you and they are not a company to trust.
1
April 19, 2022

Customer_Jim

Disappointed customer

Horrible experience that's still going on,long story short my wife had a wreck and after the repairs we go to pick the car up,I paid my $500 deductible when I put the car in reverse it starts making this nose that it's never made before I immediately got out and gave the key back to the attendant at the body shop they call Sate Farm and State Farm tells me that I have to pay to have the car checked out further I thought that what car insurance w...
Horrible experience that's still going on,long story short my wife had a wreck and after the repairs we go to pick the car up,I paid my $500 deductible when I put the car in reverse it starts making this nose that it's never made before I immediately got out and gave the key back to the attendant at the body shop they call Sate Farm and State Farm tells me that I have to pay to have the car checked out further I thought that what car insurance was for,I paid my deductible the car is not fixed properly but that want me to pay for it myself
1
April 19, 2022

phin

Want to pay for years then get screwed when you need it?

Uninsured joy rider totaled my car: First, had to fight for uninsured coverage even though it was one so I have no idea what the problem was (oh right a lower deductible for me). Second, State Farm gave me a replacement value that was wrong and lied about pre-existing damage. They gave me a valuation that didn't include the options my car had and claimed I had extensive pre-existing damage which was absolutely not true - even to the point where t...
Uninsured joy rider totaled my car: First, had to fight for uninsured coverage even though it was one so I have no idea what the problem was (oh right a lower deductible for me). Second, State Farm gave me a replacement value that was wrong and lied about pre-existing damage. They gave me a valuation that didn't include the options my car had and claimed I had extensive pre-existing damage which was absolutely not true - even to the point where they said I had bare tires and I have proof they were new! Unfortunately, I wasn't able to take photos of all of the condition points of the car before it was sent to the shop so I had no way to contest the condition valuation. Cut the amount I received in half. Horrible company would not recommend at all. All the reviews on here are people without problems. The real reviews come up when you have real problems. I had a totaled car and I can say without a doubt State Farm was anything but helpful. In fact, they showed me they could care less about what happened and did everything possible not to pay out the actual value of my car (including by lying about pre-existing conditions).
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