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Business Profile

Insurance Companies

State Farm Insurance Company

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for State Farm Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 5,012 total complaints in the last 3 years.
    • 1,664 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:06/21/2025

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I had automobile ins with state farm i had 3 accidents in which incase not at fault, I was told they would not be held against me only for them to cancel my insurance. I am very disappointed in the fact we are required to have ins and if we use it they cancel.

      Business Response

      Date: 06/23/2025

      Thank you for forwarding this inquiry to our team for review. Customer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response, we will review the information presented and respond directly to the complainant, as appropriate.

    • Initial Complaint

      Date:06/20/2025

      Type:Billing Issues
      Status:
      Unresolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.

       

      I am writing to formally file a complaint regarding ongoing and unresolved billing issues with my insurance provider, [State Farm - **** ********]. Since December 2024, I have been attempting to get clarity and resolution on unexplained charges that continue to appear on my account.

      Most recently, I paid over $500 in May 2025 in an effort to settle my account [they even said this was an issue on their part but refused any kind of discounts or lenience for this large sum], only to be met with another bill exceeding $360 shortly after. Despite multiple attempts to contact the company for an explanation, I have been repeatedly told that this is a "billing issue," with no further details provided. They have offered no breakdown of the charges, no explanation, and no resolution — yet still insist that I am responsible for paying these amounts.

      At this point, I am extremely frustrated by the lack of transparency, communication, and accountability. I believe I am being billed unfairly and without justification. I am requesting the BBB’s assistance in resolving this matter and holding the company accountable for their poor billing practices and failure to provide answers.

      I would appreciate any support in helping mediate a resolution or investigation into this situation. I have attached a PDF file showing that I have always paid and on time.

      Sincerely,
      ******* **** **** * ******* *** **** ** ***** ************ Billing Account: ************

      Business Response

      Date: 06/23/2025

      Thank you for forwarding this inquiry to our team for review. Customer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response, we will review the information presented and respond directly to the complainant, as appropriate.

      Customer Answer

      Date: 06/30/2025

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID 23497777, and find that this resolution is NOT SATISFACTORY. I am mentally exhausted trying to get an explanation for expenses and State Farm refuses to take accountability for the VERY expensive bill they are charging me. I got a call from an extremely unprofessional individual that did not explain the charges in a plain way. This woman said "uhm, like" every other word in her sentences and talked in circles, i still have 0 understanding as to why i am being charged this amount except a billing error on THEIR part. State Farm is scamming people and it should be illegal

       

    • Initial Complaint

      Date:06/20/2025

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      We had a roofing company come by after a storm as they do. Found damage and sent a claim. The issue is that the first adjuster came did his thing and then went ghost ended up having schedule a second adjustment weeks later. The whole time wondering about the safety of our home. In the end no apology or explanation was offered after asking no less than 4 times. At this point I want this to affect their BBB score and I want an explanation asked you how in less than one year your services went from without a doubt the best insurance to unquestionably the worst insurance in regards to servicing of a claim. When I first had start farm claims were paid the same day for under 10k and within a week for over. Now I can even get the adjustment done in 4 weeks. Absolutely unacceptable level of customer service. And the fact that I had to go to the better Business bureau to get an answer as to why this is happening is utterly and truly repugnant.

      Business Response

      Date: 06/23/2025

      Thank you for forwarding this inquiry to our team for review. Customer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response, we will review the information presented and respond directly to the complainant, as appropriate.

    • Initial Complaint

      Date:06/20/2025

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Subject: Formal Complaint Against State Farm Insurance Company - Mishandling of Workers' Compensation Policy Payments and Unjustified Collection Reporting

      ******** ****** ***** ***** **** **** ********* *** ****** ** ***** ********************************* June 20, 2025

      Better Business Bureau (BBB)
      121 W Wacker Drive
      Suite 2000
      Chicago, IL 60601

      To Whom It May Concern:
      I am writing to file a formal complaint against State Farm Insurance Company regarding the negligent handling of automated payments for my workers' compensation insurance policy (Policy #: ************), and their subsequent unjustified reporting of my account to a collection agency. This is gross negligence of State Farm not notifying the customer about cancellation of automated payments and not sending the final bill to the customer in a timely manner.

      Summary of Complaint:
      1. Failure of Automated Payments:
      I enrolled in automated payments for my workers' compensation policy to ensure timely remittance. However, State Farm’s system failed to process multiple payments 3 months (July 2024 – Sep 2024). Despite confirming adequate funds and proper authorization, no notifications were provided about payment failures.

      2. Lack of Communication:
      When payments failed, State Farm did not proactively alert me via phone, email, or mail. I discovered the issue only after receiving a delinquency notice months later.

      3. Inaccurate Reporting to Collections:
      Without prior warning, State Farm referred my account to Brown & Joseph on or around June 2, 2025. This has negatively impacted my credit standing and business reputation.


      - **Policy Start Date: April, 2020
      - **Automated Payment Setup Confirmed: Policy Start Date
      - **First Failed Payment Noticed: April 8, 2025 (Contacted by State Farm agent through text)
      - **Collection Notice Received: June 19, 2025 ***** * ****** *** ********
      - **Attempts to Resolve with State Farm: June 20, 2025 through State Farm Online Customer Service.

      Business Response

      Date: 06/23/2025

      Thank you for forwarding this inquiry to our team for review. Customer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response, we will review the information presented and respond directly to the complainant, as appropriate.

      Customer Answer

      Date: 06/24/2025

       Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID 23497230, and find that this resolution is satisfactory to me.

    • Initial Complaint

      Date:06/20/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I filed a claim online on 4/13/25 with State Farm Insurance. On 4/14/25 we were assigned an adjuster, who was to call us to set up an appointment to view the damage. He did not contact us on his own, but I was able to finally track him down to set up an appointment for 5 days after the water damage had been detected. On 4/18/25 he arrived at our home to inspect the water damage. After the inspection, I asked when we would be notified of his findings. He clearly stated that we would hear back the following Monday, 4/21/25. As of today 6/20/25 I have not received any written communication from State Farm Insurance regarding the disposition of my claim after 68 days.

      After many phone calls and several adjusters later (we are currently on our third adjuster handling our claim) we have received no written documentation regarding the findings of the inspection of our home and disposition of our claim. We received a call from another State Farm Claims representative on 6/18/25 stating that our claim was being denied. We have been misled and lied to repeatedly by State Farm Claims for 68 days. First, we were told that the claim was denied, then we were told they needed more information. Next we were told they needed an engineer to inspect our home. In any case she stated that we would receive written documentation by 6/20/25. We did not. This is negligence and gas lighting by State Farm. If our claim has been denied we would need a written document stating this in order to appeal this process. We have been State Farm customers since 1996. This treatment is beyond negligent and incompetent. I would like State Farm Insurance to honor their commitments and to pay for the water damage to my home and for the loss of personal property in a timely manner. This treatment by State Farm has caused emotional distress to myself and my entire family. What a horrible way to conduct a business - stalling, deception and incompetence.

      Business Response

      Date: 06/23/2025

      Thank you for forwarding this inquiry to our team for review. Customer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response, we will review the information presented and respond directly to the complainant, as appropriate.

    • Initial Complaint

      Date:06/20/2025

      Type:Service or Repair Issues
      Status:
      Unresolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Our vehicle was stolen from our house on 6/11/2025 and initial discussions with State Farm were related to the vehicle going to a dealership we've worked with. The vehicle was towed to the dealership and an assessor was scheduled to assess and photograph the vehicle on 6/12/2025. Instead, the assessor never showed up and we weren't informed by State Farm that they were a no show. On Friday, 6/13/2025 the dealership (********* ******) told us State Farm expected them to photograph the car and provide an estimate. Photos and an estimate were sent to State Farm earlier this week (6/16/2025). We heard nothing back and called State Farm for them to tell us they couldn't open the photos and a claim of our type required an assessor to visit the car for photos and an estimate. We asked to speak to a manager and were put in a que - 45 minutes later we're told an assessor will go out 6/19 and we'd get a call back by end of day. We did not get a call back and I called State Farm again this morning to be told the assessor went out and hopefully they'd upload information today. It has been 9 days, we've spent at least 3 hours calling them - they've neglected to do their job without informing us of the cancellation. They won't even reach out to us to give us updates. The failure and negligence of State Farm has caused emotional duress beyond the theft of the vehicle.

      Business Response

      Date: 06/23/2025

      Thank you for forwarding this inquiry to our team for review. Customer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response, we will review the information presented and respond directly to the complainant, as appropriate.

      Customer Answer

      Date: 06/23/2025

       I am rejecting this response because:


      I requested a manager to call me on Thursday and they said their policy is 24 to 48 hours and I still have not heard from a manager. I asked specifically to speak to a decision-maker because I needed additional information related to the repairs and the estimate they provided. They continue to put me back in the queue when they say they will elevate my response. They have been negligent by not informing us. The original assessor did not go out, they have not adhered to their own process and I have spent several hours and now 12 days later and there is still no clear path forward with my vehicle and getting it back.

      Business Response

      Date: 06/24/2025

      Thank you for forwarding this rebuttal to us for review. Customer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response, we will review the information presented and respond directly to the complainant, as appropriate. 

      Customer Answer

      Date: 06/24/2025

       I am rejecting this response because:


      Still waiting for a manager to get back to me from Thursday 6/19.

      these form complaints I “have to respond to within 5 business days” say nothing and offer zero solutions or actions. 

    • Initial Complaint

      Date:06/20/2025

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Formal complaint Unaddressed Property Damage & Claims Negligence:
      Complaint submitted due to lack of response resolution from the Statefarm Insurance Company Claim Filed 5/19/25. Despite estimates being submitted and repeated outreach to the ajuster on my part. The continued delays have left my son displaced,compromised the safety of my home and has significantly impacted my professional work enviornment. Sewage was leaked all over my basement floor. Due to the damage the carpet and sub carpet was taken up partially to find asbestos flooring which poses a serious health hazard. Water remains under the sub floor increasing the risk of mold growth. The basement remains untouched with no response from the claims department. I have home owners insurance and i am fully cover for any damages caused by this sewage leake however no response for the abatement company to come and restore my basement. Furthermore, the ajustor told me that my son can continue living in the basement as long as the aspestos tile is not disturbed!

      Business Response

      Date: 06/23/2025

      Thank you for forwarding this inquiry to our team for review. Customer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response, we will review the information presented and respond directly to the complainant, as appropriate.

    • Initial Complaint

      Date:06/19/2025

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Claim number ********** Good afternoon,
      I am very upset with the level of customer service State Farm has provided with my recent claim. Filed claim with a rep on the phone June 16th, followed provided link with the photos to receive estimate. Rep stated that estimate would be ready in 24 hours. 24 Hours came, no estimate. I called and was told the rep stated the time frame wrong and it is 48 hours, waited 48 hours, no estimate. State Farms app and website both state that photo estimates are handled and estimate given within 48 hours. Called again and told there was an error made by first rep and the claim was entered incorrectly which caused a delay, but that the estimate department would try to get to it that day. Day 3, still no estimate, I called told it will be at LEAST the 23rd before its reviewed. I have spoke to about 6 different people at State Farm and here are the responses I have been given.

      1. 24 hours was wrong- its 48
      2. There was a delay because the rep entered the claim wrong
      3. There was a delay but the estimate team is going to try to get the estimate today )june 18th)
      4. The policy changed, its not 48 hours anymore, it 3 to 5 business days, weekend excluded.
      5. You claim has not even been assigned to anyone yet
      6. Your claim has been assigned its in que but there are 200 claims aheads. At least the 23rd.
      7. There is a delay because of catastrophe claims that have came in.
      8. You did not submit photos.
      9. You did submit photos
      10. State Farm can not provide a time frame for claims
      11. Submit a formal complaint- 3 different phone numbers to do so and NONE of them were correct
      These are all the different excuses, everything State Farm has on the app and website says 48 hours, waiting 7 days is unacceptable. Please help me resolve my claim so that I can receive my estimate. This has been the absolute worst customer service I have ever encountered.

      Business Response

      Date: 06/23/2025

      Thank you for forwarding this inquiry to our team for review. Customer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response, we will review the information presented and respond directly to the complainant, as appropriate.

    • Initial Complaint

      Date:06/19/2025

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Following an accident, I was referred by State Farm to ******* for an estimate. I was told towing and a rental car would be provided at no cost, but was not informed that these services were conditional on accepting repairs based on the initial estimate. The “preliminary estimate” took place on 6/16/2025.
      I agreed only to an estimate. However, once my vehicle was at *******, I was later told that payment for the tow was contingent on me authorizing repairs. When I declined the repairs due to the estimate being incomplete. Then even after State Farm paid the exorbitant towing bill of $557.50 my vehicle remained blocked in and inaccessible because ******* had not been informed that the tow had been paid. This forced my need to take an **** home at the cost of $70.
      The estimate process itself was limited by State Farm policy. No road test was done, and no diagnostic codes were pulled—despite my car stalling while in motion after the accident, a significant safety issue. The mechanic stated the car was “driveable” without checking for internal or electronic issues. This seems designed to avoid liability for mechanical damage.
      ******* informed me they could not investigate internal damage unless repairs were approved first. This policy makes it impossible to get a full and accurate estimate without first committing to an unknown repair cost. That’s both illogical and misleading. So State Farm says the car is driveable because it suits them only. It is not based on any real testing of the vehicle which they won’t allow without my agreement to repair the vehicle prior to the estimate.
      What I am requesting:
      Acknowledgment that the towing and rental were presented in a misleading manner.
      Clarification of State Farm’s policy on estimates and why diagnostics are prohibited unless repairs are pre-authorized..
      Revision of the policy to allow for full diagnostic evaluation before repair commitment.
      A corrected estimate of my vehicle that includes internal damages

      Business Response

      Date: 06/23/2025

      Thank you for forwarding this inquiry to our team for review. Consumer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response, we will review the information presented and respond directly to the complainant, as appropriate.

    • Initial Complaint

      Date:06/18/2025

      Type:Service or Repair Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      We had a tornado and hail damage all at the same time on March 15, 2025. Finally we had an adjuster come out in a Uhaul rental van. We are getting 2 new roofs, gutter guards, and 2 new windows but they are not going to do anything to our steel siding. I sent in pictures of it, the contractor sent pictures and they said it was not consistent with hail damage and denied it 3 times. I filed with the State of Missouri. I can show it but no one wants to come out and see it. They are denying the claim.

      I would like to have someone to professionally come out and paint the siding.

      Business Response

      Date: 06/19/2025

      Thank you for forwarding this inquiry to our team for review. Customer concerns are important to us, and we appreciate the opportunity to address them. While we cannot share specific details in this public response, we will review the information presented and respond directly to the complainant, as appropriate.

      Customer Answer

      Date: 06/30/2025

      State Farm called me and took care of my complaint. All I needed was to have the BBB send them a letter, and they took care of it!

      Customer Answer

      Date: 06/30/2025

       Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID 23485147, and find that this resolution is satisfactory to me.

    State Farm Insurance Company is NOT a BBB Accredited Business.

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