State Farm Claim Complaints
Regulator data last updated October 24, 2026. Page edited by Ali Ahmad, MyAutoTriage editor.
Short answer
In Texas in 2025, State Farm's rate of confirmed auto complaints per policy was 33% of the average for all auto insurers (228 confirmed complaints). In New York's 2024 ranking, State Farm's rate of upheld complaints per premium dollar was close to the average (105 upheld complaints). In California's 2025 report on the 50 largest auto insurers, State Farm's rate of justified complaints per insured vehicle was 50% of the average (121 justified complaints).
Texas 2025
0.33
Fewer complaints than average
228 confirmed complaints, 4,195,397 auto policies. Average = 1.00.
New York 2024
1.01
About average
105 upheld complaints on $3,044 million of premium. Average = 1.00.
California 2025
0.50
Fewer complaints than average
121 justified complaints, 3,929,452 insured vehicles. Average of the 50 largest insurers = 1.00.
What stands out in State Farm's numbers
In Texas this page counts 3 companies selling as State Farm. The largest, State Farm Mutual Automobile Insurance Company, holds 96% of the brand's 4,195,397 auto policies in force there, so its record drives the score.
"Low settlement offer" came up in 46% of Texas complaints about State Farm, against 31% for all Texas auto insurers.
State Farm's Texas complaint index fell from 0.49 in 2024 to 0.33 in 2025 (212 confirmed complaints, then 228).
In New York's 2024 ranking, the 2 companies selling as State Farm placed between 71 and 81 of 128 auto insurers (1 = fewest upheld complaints for its premium).
In California's 2025 report, State Farm's company placed 25 of the 50 largest auto insurers (1 = fewest justified complaints for the vehicles it insures).
What Texas drivers complained about (2025)
In 2025 the Texas Department of Insurance closed 1,203 auto complaints about State Farm. The most common reasons:
- Poor claim handling or communication (62% of complaints)
- Low settlement offer (46% of complaints)
- Claim delays (45% of complaints)
- Claim denied (10% of complaints)
- Disputed who was at fault (10% of complaints)
One complaint can list more than one reason. These counts include every complaint TDI closed that year, not only confirmed ones, and count by closing year the way TDI's complaint index does.
Did complaining get people paid?
57% of the 1,022 claim complaints about State Farm ended with the claim settled or more money paid, by TDI's record of how each was resolved. For all Texas auto insurers the figure was 58%.
If State Farm is stalling or lowballing your claim
- Put it in writing. Ask the adjuster by email for the reason for any delay or offer, and the policy language or valuation report behind it.
- Keep a dated record of every call, promise and document. State claim rules set deadlines for acknowledging, deciding and paying claims, and a record shows when they were missed.
- Send a written counter-offer with your own evidence: estimates, comparable cars, receipts.
- If that goes nowhere, file a complaint with your state insurance department. It's free, and the insurer has to answer it in writing.
Companies counted as State Farm
- State Farm County Mutual Insurance Company of Texas (TX, NAIC 26816)
- State Farm Fire and Casualty Company (TX, NAIC 25143)
- State Farm Mutual Automobile Insurance Company (TX, NAIC 25178)
- State Farm Mutual Automobile Insurance Company (NY, NAIC 25178)
- State Farm Fire and Casualty Company (NY, NAIC 25143)
- State Farm Mutual Automobile Insurance Company (CA)
Frequently asked questions
Does State Farm have a lot of complaints?
In Texas in 2025, State Farm's rate of confirmed auto complaints per policy was 33% of the average for all auto insurers (228 confirmed complaints). In New York's 2024 ranking, State Farm's rate of upheld complaints per premium dollar was close to the average (105 upheld complaints). In California's 2025 report on the 50 largest auto insurers, State Farm's rate of justified complaints per insured vehicle was 50% of the average (121 justified complaints).
What does a complaint index of 1.00 mean?
1.00 is the average for all auto insurers in that state, adjusted for size. A score of 0.50 means half as many complaints as expected for the company's size; 2.00 means twice as many. State Farm's Texas score of 0.33 means 33% of the average.
Sources
- Texas Department of Insurance, Complaint indexes and policy counts for insurance companies (2025, automobile)
- Texas Department of Insurance, Insurance complaints: All data
- New York Department of Financial Services, Automobile Insurance Company Complaint Rankings (filing year 2024)
- California Department of Insurance, Automobile Complaint Composite Report (complaint year 2025)
- NAIC, How to file a complaint with your state insurance department
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