Are there many State Farm claims complaints?

State Farm claims complaints leave a lot to be desired. Although State Farm has an A rating with the BBB, it shows higher than average claims complaints with the NAIC. Drivers can file a complaint with the company by phone, email, or mail. Complaints can also be filed with the BBB and the insurance commissioner in your state you are unable to resolve concerns with State Farm.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Feb 15, 2022

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The Rundown

  • The NAIC shows State Farm has higher than average complaints compared to a company of the same size
  • Drivers can file a claims complaint with State Farm by phone, email, or mail
  • A complaint can also be filed with the BBB and the insurance commissioner in your state

When it comes to car insurance, you need to know that you can depend on your insurance company. Not only do you need the correct coverage, but you also want a company that handles your claims quickly and responds to your concerns.

State Farm has been selling insurance for a century, but it’s also racked up quite a lot of complaints along the way. We’ll look at State Farm claims complaints to see how the company stacks up.

While not every claim will be settled to the driver’s satisfaction, it’s essential to look at whether or not the insurance company has a good track record.

The good news is that you can always switch car insurance companies if you aren’t happy with the claims process. Compare rates and ratings to find a car insurance company that fits your needs.

Keep reading about State Farm claims complaints to learn more. If you are considering new coverage, enter your ZIP code to compare free car insurance quotes from companies near you.

Are there many State Farm claims complaints?

State Farm has been around for 100 years and is the largest car insurance company in the country. It has also earned its share of complaints along the way. However, what counts is how the company addresses those complaints.

If you have State Farm car insurance or are hit by a driver with coverage from the company, you’ll have to depend on State Farm to pay your claim. While it boasts a quick claims process, you might not always get the response or payout you want.

For example, the State Farm insurance review shows complaints with the BBB mainly revolve around claims customer service and insurance not covering what the driver thought it would.

Although it has an A rating with the Better Business Bureau, State Farm is not accredited and only has a 1.22/5 customer review score.

In addition, the State Farm customer rating index with the National Association of Insurance Commissioners (NAIC) is 1.46. Since the average is 1.00, State Farm has 50% more complaints than other insurance companies of the same size.

Another source of complaint is a rate increase after filing a claim. While State Farm does offer an accident forgiveness program, drivers have to add the coverage to their policy, and it isn’t available to everyone.

Take a look at this table to see how much filing an accident claim can increase your State Farm car insurance rates. It also compares State Farm with other top insurance companies so you can see how the company stacks up.

Average Annual Car Insurance Rates With One Accident
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 Accident
Allstate$3,819.90$4,987.68
American Family$2,693.61$3,722.75
Farmers$3,460.60$4,518.73
GEICO$2,145.96$3,192.77
Liberty Mutual$4,774.30$6,204.78
Nationwide$2,746.18$3,396.95
Progressive$3,393.09$4,777.04
State Farm$2,821.18$3,396.01
Travelers$3,447.69$4,289.74
USAA$1,933.68$2,516.24
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One accident on your driving record will increase your State Farm rates an average of $50 a month. Likewise, multiple accidents will cause your car insurance rates to skyrocket.

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How do you file State Farm claims complaints?

Drivers can file a claims complaint multiple ways by calling, emailing, or mailing a letter to State Farm. They can also contact the BBB if they don’t get a satisfactory reply.

The State Farm complaint phone number is 1-800-782-8332, which is also their customer service line. Drivers can also file a complaint using the State Farm customer complaint email given by customer service.

Mail your complaint to:

State Farm Insurance
One State Farm Plaza
Bloomington, IL 61710

To file a complaint, you will need to have detailed information to address your concerns.

Information to have on hand to file a State Farm complaint includes:

  • Personal information. Have available your name, address, and phone number as listed on your policy.
  • Agent or broker’s name. State Farm will contact the person you’ve been dealing with for information.
  • Policy number. The company will need to know your specific policy information to determine what should be covered.
  • Claim number. Again, your State Farm claims number offers specific information about the claim and is very important in determining what should be covered.
  • Complaint details. Be very specific with your concerns and the interaction you’ve had so far with State Farm.

If you can’t come to a satisfactory resolution with State Farm, file a complaint with the BBB and the insurance commissioner in your state.

How do you file a claim with State Farm?

State Farm makes it easy to file a claim if your vehicle has been damaged. There are numerous ways to begin the claims process.

Ways to file a State Farm claim include:

  • Calling your agent.
  • Filing your claim online through the website.
  • Using the State Farm app to start the claim.
  • Call the claims department at 1-800-732-5246.

Remember that filing a claim can increase your rates. In addition, you need to have the correct coverage in place to cover damages to your vehicle.

Collision insurance pays for damages to your vehicle if you cause an accident, and comprehensive covers damage to your car unrelated to an accident, such as theft, vandalism, and acts of nature.

Read our State Farm auto insurance review to learn more about the company, what coverages are offered, and how to file a claim.

State Farm Claims Complaints: What You Need to Know

State Farm is the largest car insurance company in the U.S. and has earned quite a few complaints over the years. Although State Farm has an A rating with the BBB, it shows higher than typical complaints with the NAIC.

Drivers can file a claims complaint several ways with State Farm. In addition, complaints can be filed with the BBB and the insurance commissioner in your state.

However, filing a claim with State Farm can raise your rates. So think carefully about filing a claim and determine if it will be cheaper in the long run for you to pay for damages yourself.

We hope you’ve learned all you need to know about State Farm claims complaints. Before you go, enter your ZIP code to compare car insurance quotes from companies in your area for free.

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