State Farm Review: Auto & Homeowners Insurance Complaints 2009-2014

This State Farm Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009, 2010, 2011, 2012, 2013, & 2014), the home & auto insurance complaint ratings for the subsidiary companies of State Farm insurance, to determine whether each subsidiary, such as State Farm Fire & Casualty Company, has a better-than-average, average, or worse-than-average customer complaint record.

Be sure to use the information in this review and the ad below this paragraph (or the ad at the end of this review) to request price quotes from multiple insurance companies, and find the best auto or home insurance company for you.

There are plenty of insurance company reviews & customer complaints on the Web. Will positive or negative customer reviews help you choose a better auto or home insurance company? Can customer reviews at least help you avoid insurance companies with unacceptable customer service? You may really like your car or home insurance company, or you may have heard from relatives or friends about the insurance companies they think are best, but you never really know how good your insurance company will be, until you have a serious claim. The wise consumer should avoid insurance companies with a worse than average history of auto or home insurance complaints, but most reviews online don’t have enough complaint data to make a fair comparison among insurance companies.

The detailed information in this review, and my review of the JD Power auto & homeowners customers & claims satisfaction ratings for State Farm Insurance, compare State Farm auto & homeowners insurance to the industry average and competing companies for customer service, customer complaints, claims processing performance, and insurance rates, but if you don’t want to read all the details, you can go to my review here, to see at a glance if State Farm consistently performs better than average, average, or worse than average for customer service, claims, complaints, and pricing, and compare State Farm to over 40 other U.S. auto & home insurance companies.

If you find this review useful, please like it on Facebook & share the link to this review or my site with your friends & family through social media. Bookmark this page for updates as the latest complaint data becomes available.


State Farm Auto & Home Insurance Customer Complaints Review

State Farm is the largest insurer of autos, and the largest insurer of homes in the USA, with its market share often twice as large as the next largest company in many states. State Farm has had this large, out-sized market share in the USA for decades, but is no longer growing like some competitors, such as Progressive & GEICO. State Farm has been able to keep its large market share by keeping most of its customers happy, and because the large majority of auto & home insurance customers renew their policies without comparison shopping their coverage with other companies. You can get or request insurance price quotes through the State Farm website, or by contacting the company, but State Farm sells their auto & home insurance through local State Farm agents, with many offices in most communities throughout the USA.

This State Farm review is divided into three sections, consisting of: 1. its auto insurance customer complaint record, and 2. its home insurance customer complaint record

State Farm Auto & Homeowners Insurance Complaint Record 2009-2014

A measure of quality for an auto or homeowners insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, compared to the industry average and competing companies. Some of the most common reasons, for people to file auto & home insurance complaints with a state insurance department against insurance companies, are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim.

Sections #1 & #2 of this review will show you if State Farm auto & home insurance has a better-than-average, average, or below-average complaint record, based on its 2009, 2010, 2011, 2012, 2013 & 2014 customer complaint statistics. These sections of the review provides valuable information, to help you decide if State Farm, or a competitor, like Allstate or Progressive, is a better insurance company for you. By choosing a company with a better-than-average complaint history, or at least avoiding companies with consistent, worse-than-average complaint records, you decrease the likelihood you will have a negative experience, when you need your auto or home insurance company.

The complaint statistics, called complaint ratios, used in this State Farm Insurance review are the number of upheld complaints filed against each of the State Farm companies with a state’s insurance regulatory authority, adjusted for each subsidiary’s market share, as determined by the National Association of Insurance Commissioners.

The complaint ratios for the State Farm insurance companies listed below display the ratio of the company’s U.S. Market Share of closed complaints compared to the company’s U.S. Market Share of premiums for a specific policy type. Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an auto or home insurance company with complaint ratios less than 1.00 each year, at least over the most recent three years.

So you don’t have to worry about comparing complaint ratio numbers, I devised a rating system to help you identify if State Farm has a good or poor complaint record.

Here’s how I establish my auto & homeowners insurance complaint ratings:

B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.

C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.01 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.99 to .75).

W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.

I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $50,000,000 in premiums for that line of insurance (auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints, or with inconsistent complaint records, unless there are mitigating factors, such as very small market share.

1. State Farm Auto Insurance Complaint Statistics & Ratings

State Farm auto insurance complaint record considering all subsidiaries:

Better than average

State Farm has five subsidiary companies licensed to insure private passenger vehicles in the states where the company sells insurance, which is most of the 50 states. The use of more than one auto or home insurance subsidiary company is usually to offer different pricing, or operate in a certain US state or group of states. Different subsidiaries can be used to offer specific pricing for certain market segments, such as drivers with lower or higher risk profiles (For example, drivers with a clean driving record vs. drivers with tickets and accidents), or certain occupations and employers, such as teachers or government employees, or to insure certain types of vehicles or residences, such as mobile homes, motorcycles, or motorhomes.

Here is the auto insurance complaint data for each State Farm subsidiary:

State Farm Mutual Automobile Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.57)

2014 US auto insurance premium = $31,329,539,721

2013 Auto Insurance Complaint Ratio = B (.44)

2013 US auto insurance premium = $29,545,217,029

2012 Auto Insurance Complaint Ratio = B (.39)

2012 US auto insurance premium = $28,148,299,692

2011 Auto Insurance Complaint Ratio = B (.35)

2011 US auto insurance premium = $27,531,058,661

2010 Auto Insurance Complaint Ratio = B (.34)

2010 US auto insurance premium = $27,084,074,946

2009 Auto Insurance Complaint Ratio = B (.35)

The State Farm Mutual Automobile Insurance Company subsidiary insures private passenger vehicles in almost all of the US states & DC. State Farm Mutual Automobile Insurance Company is the largest State Farm auto insurance subsidiary company, more than 15 times the size of the next largest auto insurance subsidiary in the State Farm Group. State Farm Mutual Automobile Insurance Company has a consistently better-than-average auto insurance complaint history, although it has gradually increased over the last six years. The number of auto insurance complaints for State Farm Mutual Automobile Insurance Company in its worst year during this period was 57% of the industry average in 2014. The auto insurance market share for State Farm Mutual Automobile Insurance Company has grown each year since 2010. I like to see a company have double-digit (10% or more) percentage growth in annual auto insurance premium, because it may be a sign of competitive rates, though this type of growth is hard for a company like State Farm, when it already has a very large market share, compared to other companies.

State Farm Fire & Casualty Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = C+ (.94)

2014 US auto insurance premium = $2,136,829,259

2013 Auto Insurance Complaint Ratio = C (1.00)

2013 US auto insurance premium = $1,924,544,332

2012 Auto Insurance Complaint Ratio = C+ (.89)

2012 US auto insurance premium = $1,786,939,980

2011 Auto Insurance Complaint Ratio = B (.64)

2011 US auto insurance premium = $1,711,134,398

2010 Auto Insurance Complaint Ratio = B (.61)

2010 US auto insurance premium = $1,775,663,419

2009 Auto Insurance Complaint Ratio = B (.72)

The State Farm Fire & Casualty Company subsidiary also insures private passenger vehicles in almost all of the US states & DC. State Farm Fire & Casualty Company has an about average auto insurance complaint record each year from 2012 to 2014, with its number of auto insurance complaints in its worst year the same as the industry average in 2013. The auto insurance market share for State Farm Fire & Casualty Company increased each year since 2011, which may be a sign of competitive auto insurance rates in at least some states.

State Farm County Mutual Insurance Company of Texas Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.60)

2014 US auto insurance premium = $309,870,146

2013 Auto Insurance Complaint Ratio = C+ (.83)

2013 US auto insurance premium = $288,004,701

2012 Auto Insurance Complaint Ratio = B (.14)

2012 US auto insurance premium = $254,862,862

2011 Auto Insurance Complaint Ratio = B (.25)

2011 US auto insurance premium = $241,753,010

2010 Auto Insurance Complaint Ratio = B (.26)

2010 US auto insurance premium = $262,532,793

2009 Auto Insurance Complaint Ratio = B (.28)

The State Farm County Mutual Insurance Company of Texas subsidiary insures private passenger vehicles in the state of Texas only. State Farm County Mutual Insurance Company of Texas has had a lower than average number of auto insurance complaints each year from 2009 to 2014, with its number of auto insurance complaints, in its worst year (2013) during this period, at 83% of the industry average. State Farm County Mutual Insurance Company of Texas had a great auto insurance complaint record until 2013, where it had a number of auto insurance complaints approaching the industry average, more than five times worse than its 2012 record. The Texas auto insurance market share for State Farm County Mutual Insurance Company of Texas has increased each year since 2011, which may indicate State Farm County Mutual Insurance Company of Texas has competitive auto insurance rates.

State Farm Indemnity Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.19)

2014 US auto insurance premium = $546,247,604

2013 Auto Insurance Complaint Ratio = B (.18)

2013 US auto insurance premium = $545,756,109

2012 Auto Insurance Complaint Ratio = B (.45)

2012 US auto insurance premium = $547,329,249

2011 Auto Insurance Complaint Ratio = B (.52)

2011 US auto insurance premium = $562,024,610

2010 Auto Insurance Complaint Ratio = B (.44)

2010 US auto insurance premium = $552,087,746

2009 Auto Insurance Complaint Ratio = B (.36)

The State Farm Indemnity Company subsidiary insures private passenger vehicles in the state of New Jersey only. State Farm Indemnity Company has had a consistently better-than-average auto insurance complaint history over the last six years, with its number of auto insurance complaints, in its worst year during this period, at 52% of the industry average. The NJ annual auto insurance premium for State Farm Indemnity Company increased in 2011, but dropped in 2012 & 2013, and it is still slightly lower in 2014 than it was in 2010. Auto insurance market share in NJ for State Farm Indemnity Company has not increased over the last three years, which may mean auto insurance rates for this State Farm subsidiary are not competitive, or the subsidiary is not selling new policies.

State Farm Guaranty Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.37)

2014 US auto insurance premium = $55,530,850

2013 Auto Insurance Complaint Ratio = B (.22)

2013 US auto insurance premium = $50,107,591

2012 Auto Insurance Complaint Ratio = B (.42)

2012 US auto insurance premium = $42,955,380

2011 Auto Insurance Complaint Ratio = B (.19)

2011 US auto insurance premium = $44,905,711

2010 Auto Insurance Complaint Ratio = C (1.01)

2010 US auto insurance premium = $50,312,094

2009 Auto Insurance Complaint Ratio = B (.19)

The State Farm Guaranty Insurance Company subsidiary also insures private passenger vehicles in the state of New Jersey only. State Farm Guarantee Insurance Company has had a better-than-average auto insurance complaint history in last four most recent years, with its number of auto insurance complaints, in its worst year during this period, at 42% above the industry average. The NJ annual auto insurance premium for State Farm Guaranty Insurance Company increased each year since 2012, which may indicate State Farm Guarantee Insurance Company is now selling more auto insurance policies and has competitive auto insurance rates, or had a large rate increase, but maintained its customers.

2. State Farm Home Insurance Complaint Statistics & Ratings

State Farm homeowners insurance complaint record considering all subsidiaries:

Worse than average (Florida only)

Better than average (All other states)

State Farm sells residential property (home, renters, condominium insurance) through the four subsidiary companies listed below.

Here is the homeowners insurance complaint data for each State Farm subsidiary:

State Farm Fire & Casualty Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.44)

2014 US home insurance premium = $13,103,342,484

2013 Home Insurance Complaint Ratio = B (.55)

2013 US home insurance premium = $12,599,185,826

2012 Home Insurance Complaint Ratio = B (.46)

2012 US home insurance premium = $11,881,916,173

2011 Home Insurance Complaint Ratio = B (.52)

2011 US home insurance premium = $11,434,700,471

2010 Home Insurance Complaint Ratio = B (.41)

2010 US home insurance premium = $11,094,527,942

2009 Home Insurance Complaint Ratio = B (.39)

The State Farm Fire & Casualty Company subsidiary insures homes in almost all the US states & DC, and it is the largest home insurance subsidiary among the State Farm Group of companies. State Farm Fire & Casualty Company has had a consistently better-than-average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst year during this period at 55% of the industry average. The home insurance market share for Home-Owners Insurance Company has grown each year since 2010, which may be an indication of competitive home insurance rates in at least some states where it insures homes.

State Farm General Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.73)

2014 US home insurance premium = $1,498,413,168

2013 Home Insurance Complaint Ratio = B (.65)

2013 US home insurance premium = $1,500,180,584

2012 Home Insurance Complaint Ratio = B (.28)

2012 US home insurance premium = $1,566,135,106

2011 Home Insurance Complaint Ratio = B (.24)

2011 US home insurance premium = $1,527,305,920

2010 Home Insurance Complaint Ratio = B (.25)

2010 US home insurance premium = $1,511,953,952

2009 Home Insurance Complaint Ratio = B (.29)

The State Farm General Insurance Company subsidiary insures homes in many US states, but it’s about 15% of the size of State Farm Fire & Casualty Company, the largest home insurance subsidiary, among the State Farm Group of companies. State Farm General Insurance Company has had a better-than-average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst year during this period, at 73% of the industry average. Until 2013, State Farm General Insurance Company had a much lower than average home insurance complaint history. The home insurance market share for State Farm General Insurance Company has decreased each year since 2012, which may be sign the subsidiary is not selling new policies, or its home insurance rates are not competitive.

State Farm Florida Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = W (3.83)

2014 US home insurance premium = $639,786,895

2013 Home Insurance Complaint Ratio = B (.20)

2013 US home insurance premium = $646,850,723

2012 Home Insurance Complaint Ratio = B (.28)

2012 US home insurance premium = $727,506,719

2011 Home Insurance Complaint Ratio = B (.26)

2011 US home insurance premium = $847,325,721

2010 Home Insurance Complaint Ratio = B (.29)

2010 US home insurance premium = $980,590,404

2009 Home Insurance Complaint Ratio = B (.35)

The State Farm Florida Insurance Company subsidiary insures homes in Florida only. State Farm Florida Insurance Company had an excellent, better-than-average home insurance complaint history from 2009 to 2013, but its number of home insurance complaints in 2014 was 383% of the industry average. Although State Farm Florida Insurance Company still has a large share of the Florida home insurance market, it is no longer selling new home insurance policies, and cancelling some existing home insurance policies, as indicated by its decreasing annual home insurance premium over the last five years.

State Farm Lloyds Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.28)

2014 US home insurance premium = $1,990,390,755

2013 Home Insurance Complaint Ratio = B (.31)

2013 US home insurance premium = $1,920,865,990

2012 Home Insurance Complaint Ratio = B (.22)

2012 US home insurance premium = $1,718,809,632

2011 Home Insurance Complaint Ratio = B (.17)

2011 US home insurance premium = $1,678,075,665

2010 Home Insurance Complaint Ratio = B (.15)

2010 US home insurance premium = $1,684,960,679

2009 Home Insurance Complaint Ratio = B (.55)

The State Farm Lloyds subsidiary insures homes in Texas only. State Farm Lloyds has had a better-than-average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst year during the period, at 55% of the industry average. The home insurance market share for State Farm Lloyds in Texas has increased each year since 2011, which may signal State Farm Lloyds has competitive home insurance rates in Texas.

It pays to shop. Many people pay too much for their insurance because they never shop for better rates, or if they do shop, they don’t check the rates of enough companies. No single company has low rates for everyone. You have to shop with all the leading companies, to find the company with the best coverage and best price for you. The ad below will take you to links to get online quotes from leading Home, Auto, Health, & Life insurance companies in your area. Choose the type of insurance, put in your zip, and start shopping now!

Thanks for reading this review about State Farm auto & home insurance customer complaints. You can find other reviews of leading auto, home, & life insurance companies on my website & blog. What do you think of State Farm auto & home insurance? Did you find this review useful? Comment on my facebook page. If you have questions, you can reach me at help@smartshopyourcarinsurance.com. Follow me on Twitter for important insurance consumer news & new blog entries at CarInsWatch.