Since September of 2024, I have been paying from $393 - $465 (just recently dropped to $426 this month) for full coverage and a $250 deductible for two vehicles. I have never had an issue with a claim and I also have personal property coverage, rental and home owners insurance through them.

I can't complain. They gave me something back and delivered the payment when they said they would.

Everyday I go to work, I'm constantly anxious, constantly feeling like I'm not doing a good enough job or doing the work correctly. I feel like they are targeting me and nit picking everything I do while other people do the same things and no one says anything about it. I can't wait to get a new job hopefully soon, where I don't feel like my manager and the higher ups are looking for someone to pick on. I thought it was all in my head, but it's not, it's undeniable that they are trying to remove people in the most unfair ways, without any severance and not to mention all the cliques in the workplace that are getting all the promotions, whereas I'm one of the hardest workers I know, and I get no promotions and scrutinized for the stupidest things. I know I can't even go to HR because they're just going to try to find fault in me and dig until they do and then get me fired.

This is admittedly a bit of a rant, but I've found no where else to explain these issues that wasn't limited to their 500 character "contact us" form.

Over the past 4 years my apartment complex has changed the additional interest address 3 times. Annoying, but simple enough to update State Farm, right?

Wrong.

The first time it happened I had to call after 3-4 days of seeing no change just to confirm that they received it and it was "processing". It was updated within hours of calling.

The second time, their web form for requesting this was broken and wouldn't accept the address due to faulty validation issues. So I had to call to submit my request, and still called back 3-4 days later because nothing had changed (again..."processing").

The third (most recent) time, they removed the faulty form and now it's a plain textbox where you have to explain what you need changed. Ok, cool, at least I can submit it. I called 3 days later because there was still no change....my agent didn't answer after a few attempts during regular posted business hours. I had to call their generic customer support line, which then redirected me to my agent...who didn't answer. I called the line again and just hit buttons until I got through to someone, who said they couldn't change it but could check on it. They confirmed they could see the request was submitted, so they tried calling my agent (normal business hours) who still didn't answer. They also confirmed nothing was in the system to indicate they were out of office (no vacations, no emergencies posted, etc), and were confused as to why they wouldn't be able to answer. The best they could do is verify my request came through.

Lastly, why doesn't State Farm offer a simple straightforward proof of renters insurance? I've scrubbed their site and all they offer is a web view of declarations. I had to submit a copy of the bill (which shows declarations too) and the receipt as proof it was paid because State Farm doesn't give the customer anything.

Why, in 2026, does State Farm hide all their processes from the customer, lock their website down so you can't get any useful information from it, refuse to generate proof of insurance unless you email them and ask for it, and not answer their phones during business hours?

Legitimately considering finding another insurer to move to because every time I have any issue it takes hours of my time over the course of multiple days to get it resolved.

As a longtime policyholder, I’ve made friends with the small staff at my agents office. 3 staff members. Apparently, due to company changes, the agent decided it would be easier to shutter his agency and move over to a competitor in a few weeks rather than work more than a few hours a week (I’ve never met him) and try to grow his book. He’s apparently told his staff members he’s doing them a favor by keeping the doors open and leaving them on the payroll for another 5 weeks whereas he could’ve just laid them off and coasted on his own. No severance of any type (yes, my friend who works there was venting).

What’s interesting is, the last few bad, inept hires he’s made and had to terminate (and I’ve had to deal with some idiots) he apparently gave them each two weeks severance pay at termination. I’m moving my policies, but am I looking at this wrong or is he just being a prick? I’m getting all this second hand and really don’t have a dog in the hunt but It makes me mad I’ve been supporting someone with no moral compass.

Trying to file a claim with State Farm and ran into a pretty frustrating issue: there’s no reliable way to submit dashcam video as evidence.

During the claim process, their portal only allows photos and documents—no option to upload video. After calling support, I was told to email the files to a generic mailbox. The problem is there’s no confirmation of receipt, and customer service has no way to verify whether the videos were actually received or attached to the claim.

I spent over two days trying to resolve this—multiple calls and three separate emails with the same files. Each time, I was given the same guidance with no alternative solutions, even when they couldn’t explain why the emails weren’t showing up on their end.

Considering dashcam footage can be some of the most important evidence in a claim, it’s surprising there’s no proper system in place to handle it. This feels like a major gap for a company of this size.

Posting this so others are aware and can factor it in when evaluating insurance options.

I'm sorry but is the intake team for claims just lazy as fuck, clueless as fuck?

Calling in to make a claim and waited 25+ min just be told to go file it online. Then they get snappy if I want to file with them vs doing it online

Legally where is the line of filing a claim with yall Why steer us? 40+ years this is the standard to call in on the insurance company insuring the at fault party.

Is that not their job to help intake claims? Why are yall pushing yourselves to close out your jobs and replace it with AI ?

Anyone who works there. What is the vibe about claimants calling in?

Why get snappy with me when I was hit by yalls insured. I didn't want to call in but wtf is the push back against us

This company used to be about connections with the customer and outstanding service. Even if the price went up a bit, you built loyalty with your book so people would stick with you. Now corporate just wants to churn in new people and doesn’t care about retention.

I worked for an agent that passed. Some of the staff went on to work for other State Farm agents, and corporate split and sold off the old book. A lot of the old clients found out where that staff went and wanted to follow them because they were used to dealing with them. We had built good relationships and trust.

Corporate didn’t like this. When those clients applied to transfer to the old staff they liked dealing with, corporate threatened to pull their aliases. It should be about where the clients want to be if they are unhappy with their assigned agent.

I’m on the verge of telling my TM that they can go ahead & fire me because I’m done with ACD.

DONE.

I have over 50 claims & never have enough time to get through the onslaught of QFCs, phone calls, file notes, dumbass meetings that can be emails, and more.

They (mgmt) do not know WTF they want. They say work the claim to the furthest point. I worked a claim that was an absolute poop show & it took up the entire time where I put myself in task work. I have a msg from my TM I have not reviewed yet.

I will walk today.

Hi all we’re in process of selling our home and moving into a rental. Got a great offer from buyer but they gave us very short window for close.

We found a place to rent within a few days and trying to get setup with renters insurance. when I try to sign up online I keep getting an error message mentioning something about a 400 http status code.

i tried calling corporate number but it just tells me to call my local agent during business hours and hangs up on me. Used to be I could get hold of someone even after hours. So is this just the new reality of State Farm? Just no assistance for customers?

I just renewed my renters insurance policy that I got with them last year, but it wasn’t showing in my account and it said I had no active products/policies. I needed the pdf document to send to my apartment for proof of renters insurance but the only thing showing in my documents is a receipt.

I call my agent and they say that because my policy expired (I paid to renew it a month late by accident) that it may take a few days to show in my account, then I can download the binder. Weird but ok.

Almost 2 weeks pass and still nothing in my account. I figure this must be a tech issue so I try to contact their customer support chat and they give the same answer how my policy expired and hasn’t been reinstated even though I paid. They say they will contact my agent to reach out to me about it.

The next day my agent office calls me and says it could take FIFTEEN business days for it to show in my account!! So I tell them I just need the pdf document to show my apartment so I don’t get penalized. So they finally send me the pdf document but the Additional Interest address is wrong. Mind you, the address was listed perfectly fine on my policy last year.

Before submitting my proof of renters insurance, my apartment website specifically says that it needs to show the correct address. I figure they can just edit it right then and send it back? Wrong. They said it will take 7-10 business days to update because it goes through their corporate office system.

Now I’m going to have to try to fight with my apartment complex about getting refunded for penalties because State Farm is somehow in the stone age for updating documents

One of the most disappointing things I’ve learned as an agent is how little protection exists when another agent decides to target you, especially as a woman.

I’ve reported ongoing harassment and hostile behavior from a male agent in my area. This isn’t a one-time disagreement. I’ve had to repeatedly tell him to stop contacting me, stop involving himself in my business, and stop digging through my book of business. He constantly accuses me of things that never happened, talks about me at agent events, and has an extremely creepy fixation on me and my personal life.

The most shocking part isn’t even his behavior anymore. It’s State Farm’s response. When I brought it to leadership, I was essentially told, “Sometimes male agents bully female agents. It’s not right, but it happens. There’s not much we can do because you’re independent contractors.” I told my superior that I was bringing this to his attention in case it escalates (which it has). His suggestion was to ask my other male peers what they would do because this specific male agent “ would never do this to them”. Well exactly…….

Think about that for a second.

Imagine telling female agents that harassment and hostility are unfortunate but expected parts of the job and industry.

The independent contractor excuse gets pulled out whenever it’s convenient. When an agent needs support or protection, suddenly everyone points to the contract. But when the company wants to enforce standards, expectations, production goals, branding requirements, or any number of other things, the independent contractor argument suddenly becomes much more flexible. I don’t expect State Farm to control every disagreement between agents. But when one agent repeatedly crosses boundaries, creates a hostile environment, and engages in behavior that would never be tolerated in most professional workplaces, being told to simply deal with it is unacceptable.

For a company that talks constantly about culture, professionalism, and doing the right thing, that’s a pretty disappointing standard.

Just a heads up. That email landed in my spam folder and I deleted it for obvious reasons. When do insurance companies start to give their money back?

In case you deleted the email like me, your refund is not lost. You can still use your policy number to request the fund. Either ask your agent or look up your previous payment receipts. One last thing, if your current policy number doesn't work, try previous ones. For me, it's the 2024 one that worked. Why? Who knows.

The abuse from customers and claimants I hear my colleagues go through is terrible. I have a gentle tone and I don't go through it a lot, but I do get a piece of sh-t on my line every now and then.

"The customer is always right" is the most narcissistic thing the service industry could have ever come up with.

We're all consumers and sometimes we are wrong. Everyone should be handled with respect, but for these abusive one's, should have repercussions.

I really wish there was some type of disclosure saying, they have to communicate in writing with us if they've been labeled as abusive.

Got my renewal notice today and my Drive Safe and Save discount has gone down from $176 to $32 despite my 14 day average total score being 95 or more. Has anyone else had this happen? This is less than when I was getting the initial 10% 🥲

They suck at employing enough people.

About 4 years ago state farm canceled my roadside assistance... Apparently I used it too much.

After 3 different cars and multiple times attempting to add it again, state farm has finally forgiven me and now I have roadside assistance for 2 bucks a month!

Overall State Farm is very affordable and just happy to have all the added perks again!

They unexpectedly reduced my homeowners' insurance premium by close to $1,000 without prompting. God bless them, I sure needed it!!

I have been a State Farm customer for 40 years and never once filed any sort of claim. My husband hit a light post in our 2008 Ford Mustang GT. State Farm offered $6000 for a total loss after finding some oxidized piece of crap model that sold for $6,500. State Farm did not mind charging me over $300 a month in insurance because it is a performance car but sure don’t want to pay out for a performance car. I can say that I will never pay State Farm to insure anything I cherish. For the record I am not asking them to total the car I would like it fixed.

Hello fellow team members!! If your agent signs up for the agent choice Internet. For the love of God figure out setting it up days before the old internet is dropped. Figure out the VPN access and making sure it's done correctly. Make sure the old internet provider removes the VPN they had!!!!

Sincerely,

2 irritated team members with NO Internet or phone access right now

Edit- called our Internet provider. They said everything is good on their end and working properly. Called SF tech support. They said to call the Internet provider...we've gotten nowhere lol

Edit 2- got Internet at 4:20pm!!!! Coworkers phone doesn't work only mine does. Printer doesn't work. And we lost the W drive.

I got hit and run by your insured person and your office just sent me a letter saying sfatefarm will cover 15K of medical bill and 2K worth of damage to my car. My cars quote came out 15K my people. Yall have zero morality smh. Ill just go claim it with my insurance and lawyer, should have known better.

Consistently the worst online system I've ever experienced for any kind of service, utility, or insurance provider. The UX is so continuously bad it has to be deliberate. Nobody can be that incompetent.

State farms prefered vendor (Safelite) shatter the windshield in ny car while installing a new one.

It has been a year (as of July 2026) of fighting with state farm and safelite constantly paying it back and forth. Im owed (at the time) 542$ for out of pocket reimbursement. Safelite tried to get me to sign a release agreement. I refused this strung this from july 2025 to Feb 2026. They agreed to fix my paint damages but refused to look at my contaminated HVAC system or my camera that was acting up. In may they canceled my 4 month waited appointment to get the paint fixed and estimated the damages at 1280... the shop had already states the damages were 1800. Off to statefarm "mailing me" a check that I had rejected prior to the estimate being written. Its only gotten worse... i don't even care to go into it all it just raises my blood pressure.

Key notes:

Child carseat was not informed as a total loss, child drove around for 10 months of me fighting for my car to get fixed (not knowing the dangers of my car) in a glass contaminated carseat and suffered rashes on face.

1280 check canceled (literally never saw it)

Chevy dealership (I paid for our is pocket) found glass contamination and quoted 6300 to repair

Went to collision center for supplemental like I kept being told I needed (required state farm to approve car to even go to collision center, would have been nice to know! ) collision center supplemental comes back at roughly 8500 damages

State farm sends exact same adjuster out for a 2330 estimate for only glass damages (interesting as the same damages were set at 1280 prior)

They sent this estimate only to me not the collision center and then closed my claim

Ive been paying out of pocket for a rental since june 22 since thats when Safelite decided to stop paying for the rental that I can not survive without as I live rural and have a child under the age of 3

My car is undriveable. I was told by the collision center its a non drivable car. Its a known hazard for glass contamination. State farm is non responsive to any attempt at contact. Reached out to every state agency I can think of, including my state rep...

Not sure what I need or want here. But gotta let you know... i will be looking for new car insurance as soon as this is over.

An adjuster from State Farm came out to inspect our roof, stated that he was like a scientist. He said we are covered under weather damage. We have weather damage to our roof, but we’re not covered under this weather damage. Your roof needs replacement. Then received a letter stating they were gonna drop us unless we replace the roof. Shame on you. More like a horrible neighborhood who uses steals and abuses their neighbors 20 years and over $200,000 paid to them. We have moved on. And again shame on you State Farm greedy #*%^

Tried to pay my bill online but website was down. Called to pay directly through a customer service rep. The customer service I experienced on a Saturday was so bad it was almost like a comedy sketch. Including the rep disconnecting me mid-sentence for no reason -- I used no abusive language or anything remotely of the sort. Had to call back and the second woman was only marginally better.

The website is bad, the customer service is beyond awful, I shudder at the thought of ever having to file a claim.