A Frustrating Experience with State Farm
I wanted to share my recent, somewhat baffling experience with State Farm. Our agent has been dragging her feet on our applications, not communicating crucial information about our policies, and generally being quite unhelpful. We’ve decided to switch to All State, which offers us lower rates for similar coverage. So far, their customer service has been significantly better. However, now that we want to cancel our State Farm policies, we’ve yet to receive confirmation and it feels like we’re getting the runaround.
Here’s a bit of background on how we ended up here:
My wife and I became first-time homebuyers earlier this year and closed on our new home in January 2025. Leading up to this, we explored different home insurance options and found what we thought was a good deal with State Farm. With my wife’s existing auto coverage through them, bundling our home and auto insurance made sense for a discount. Since I was paying too much for similar coverage with Progressive, I decided to switch my car insurance to State Farm as well.
Our agent initially guided us through the application process. After signing and paying for our auto insurance, we were told to disregard a few “signature required” documents, which should have been a red flag.
About a month into our auto insurance, I realized I hadn’t received any policy documents. I called our agent, who explained that transferring the policy from another agent takes time—and I accepted this. She assured me that our coverage was effective from the signing date, but I was still confused.
In the following weeks, while occasionally discussing discounts or policy changes with our agent, I felt comfortable that we were on top of things.
Then last week, I received a letter from State Farm’s Underwriting department stating they hadn’t received a signed document for Uninsured Motor Vehicle Coverage Selection/Rejection—a requirement in Georgia. Without this, our plan defaults to the most expensive coverage. This was one of those “signature required” documents we were told we could ignore. I know it’s my responsibility to read any paperwork, but I was misled by my agent’s advice to ignore it.
After further investigation, I realized we were paying significantly more for Uninsured Motorist coverage than typical—our current rate was about $220 for 250/500/250 coverage, whereas standard rates are often between $20-$40 for 50/100/50 coverage. Even after I tried to reduce our coverage, it was still higher than it should be, which contributed to my decision to switch to All State.
It became clear that our home insurance policy had also not been processed despite our applications being submitted. When I inquired, our agent’s excuses—first about waiting on our mortgage company and then claiming delays are “normal”—felt unsatisfactory. I asked for specifics about why our application was pending for over two months, and her response only led to more frustration.
While discussing my concerns, I was already looking into new insurance options. The All State representative was responsive and helped us secure the same coverage for lower rates, although our home insurance would cost slightly more in the long run.
Upon confirming our intent to switch, the process with State Farm became cumbersome. After contacting our agent to cancel, I found myself speaking to another representative who instructed me to send an email about our cancellation intent. Although the All State agent argued for a phone confirmation, I complied and sent the email only to receive further inquiries about our reasons for leaving without a clear cancellation confirmation.
When I finally spoke to our State Farm agent again, she asked for our cancellation reasons and then launched into a lecture about being cautious in comparing coverage—a rather ironic moment considering her prior lack of detail when we were originally inquiring. She ultimately told me the home insurance application was “stuck,” preventing any immediate cancellation.
In addition, I was informed that once we successfully cancel, any refunds would come by mail rather than through a direct transfer back to my account—a minor
Wow, what a rollercoaster of an experience! It sounds incredibly frustrating dealing with such poor customer service, especially when you’re trying to navigate significant life changes like homebuying and switching insurance. It’s good to hear that you’ve received an apology and some clarity on the situation, but it’s unfortunate that you had to go through all of that just to get to the other side.
It’s completely understandable to feel upset when you’re not getting the information and support you need from someone you’re entrusting with something as important as insurance. And while it’s great that you’ve found coverage with All State that’s both affordable and satisfactory, I can imagine how draining the whole process must have been.
Your update shows a level of introspection, which is commendable. We’re all human and it’s easy to react strongly when faced with frustration or perceived dishonesty, but it’s also a reminder that communication can sometimes clear up misunderstandings. That said, your concerns were valid given the circumstances, and it’s okay to voice those feelings.
Hopefully, moving forward with All State brings you the peace of mind that comes with good service and reliable coverage. Best of luck with your new home and the journey ahead!