VARIES BY STATE/LINE
AUTOMOBILE A 0.54
HOMEOWNERS C 1.14
Carrier record · NAIC group 176 · 2024 market-share rank 1 of 25
State Farm
In the complaint records of Texas, California, and New York, State Farm's automobile business drew complaints at roughly half the market-average rate over 2023–2025 (grade A), while its homeowners business drew about 1.14 times the market rate (grade C).
HonestPolicy earns: nothing on this carrier.
Automobile
A · COMPOSITE RELATIVE INDEX 0.54 · SCORE 64.8 · 7 SIGNALS
Across the covered records, this line drew about 46% fewer complaints than its market share would predict (at least ~35% fewer complaints than the market average).
Source · TX · TDI
Texas Dept. of Insurance — Complaint indexes and policy counts for insurance companies. Texas Open Data Portal, dataset pa9u-9s9w. data.texas.gov · retrieved 2026-07-10. Complaint index values are calculated by TDI.
Source · CA · CDI
California Dept. of Insurance — 2026 Consumer Complaint Study, Automobile composite. insurance.ca.gov · retrieved 2026-07-10. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
Source · NY · DFS
New York State Dept. of Financial Services — Automobile Insurance Company Complaint Rankings. Open Data NY, dataset h2wd-9xfe. data.ny.gov · retrieved 2026-07-10. Upheld complaints per $1M premium as calculated by DFS.
Caveat · CA exposure mix
* CDI publishes exposure counts only for the latest study year; prior-year indices reuse the 2025 exposure mix for both group and market. Disclosed per signal in the source record.
Caveat · NY premium base
The NY exposure base is premium dollars, not policy counts, so NY indices are not exactly comparable to TX/CA bases. NY carries the lowest weights partly for this reason.
| State · Source | Year | Complaints | Exposure base | Base kind | Rel. index | Weight |
|---|---|---|---|---|---|---|
| CA · CDI | 2025 | 121 | 3,929,452 | earned exposures | 0.50 | 0.20 |
| CA · CDI | 2024 | 140 | 3,929,452* | earned exposures | 0.74 | 0.12 |
| CA · CDI | 2023 | 105 | 3,929,452* | earned exposures | 0.90 | 0.08 |
| NY · DFS | 2024 | 105 | 3,044.3 | premiums written ($M) | 1.01 | 0.12 |
| NY · DFS | 2023 | 60 | 2,484.9 | premiums written ($M) | 0.88 | 0.06 |
| TX · TDI | 2025 | 228 | 4,195,397 | policies in force | 0.33 | 0.30 |
| TX · TDI | 2024 | 212 | 4,086,527 | policies in force | 0.48 | 0.12 |
Relative index 1.00 = the group's share of complaints equals its share of the market's exposure; lower is better. Complaints are TDI “confirmed” (TX), CDI “justified” (CA), and DFS “upheld” (NY) counts — not raw complaint volume. * exposure figure reuses the 2025 CDI exposure mix (see caveat).
Member companies aggregated — automobile
Texas · TDI · 2025
| NAIC | Company | Complaints | Policies in force | TDI index |
|---|---|---|---|---|
| 25178 | STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY | 201 | 4,040,188 | 0.30 |
| 25143 | STATE FARM FIRE AND CASUALTY COMPANY † | 1 | 3 | 2023.80 |
| 26816 | STATE FARM COUNTY MUTUAL INSURANCE COMPANY OF TEXAS | 26 | 155,206 | 1.02 |
California · CDI · 2026 study (2023–2025)
| Company | CDI rank | Approx. exposures | Justified complaints ’25/’24/’23 | Ratio per 100k ’25/’24/’23 |
|---|---|---|---|---|
| STATE FARM MUTUAL AUTOMOBILE INS CO | 25 | 3,929,452 | 121 / 140 / 105 | 3.1 / 3.4 / 2.7 |
New York · DFS · filing year 2024
| NAIC | Company | Upheld | Total | Premiums $M | DFS ratio | Rank |
|---|---|---|---|---|---|---|
| 25178 | State Farm Mutual Automobile Insurance Company | 91 | 847 | 2,731.5 | 0.0333 | 71 |
| 25143 | State Farm Fire and Casualty Company | 14 | 97 | 312.8 | 0.0448 | 81 |
† Exposure base below the credibility floor on its own; the floor is applied to the aggregated group signal, not to individual members.
Homeowners
C · COMPOSITE RELATIVE INDEX 1.14 · SCORE 46.7 · 5 SIGNALS
Across the covered records, this line drew about 1.14 times the market-average complaint rate (more complaints than the market average).
Source · TX · TDI
Texas Dept. of Insurance — Complaint indexes and policy counts for insurance companies. Texas Open Data Portal, dataset pa9u-9s9w. data.texas.gov · retrieved 2026-07-10. Complaint index values are calculated by TDI.
Source · CA · CDI
California Dept. of Insurance — 2026 Consumer Complaint Study, Homeowners composite. insurance.ca.gov · retrieved 2026-07-10. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
Caveat · CA exposure mix
* CDI publishes exposure counts only for the latest study year; prior-year indices reuse the 2025 exposure mix for both group and market. Disclosed per signal in the source record.
| State · Source | Year | Complaints | Exposure base | Base kind | Rel. index | Weight |
|---|---|---|---|---|---|---|
| CA · CDI | 2025 | 118 | 1,949,806 | earned exposures | 1.44 | 0.20 |
| CA · CDI | 2024 | 254 | 1,949,806* | earned exposures | 1.23 | 0.12 |
| CA · CDI | 2023 | 37 | 1,949,806* | earned exposures | 0.33 | 0.08 |
| TX · TDI | 2025 | 250 | 1,468,920 | policies in force | 1.34 | 0.30 |
| TX · TDI | 2024 | 128 | 1,442,974 | policies in force | 1.10 | 0.12 |
Relative index 1.00 = the group's share of complaints equals its share of the market's exposure; lower is better. Complaints are TDI “confirmed” (TX), CDI “justified” (CA), and DFS “upheld” (NY) counts — not raw complaint volume. * exposure figure reuses the 2025 CDI exposure mix (see caveat).
Member companies aggregated — homeowners
Texas · TDI · 2025
| NAIC | Company | Complaints | Policies in force | TDI index |
|---|---|---|---|---|
| 43419 | STATE FARM LLOYDS | 250 | 1,468,920 | 1.34 |
California · CDI · 2026 study (2023–2025)
| Company | CDI rank | Approx. exposures | Justified complaints ’25/’24/’23 | Ratio per 100k ’25/’24/’23 |
|---|---|---|---|---|
| STATE FARM GENERAL INSURANCE COMPANY | 42 | 1,949,806 | 118 / 254 / 37 | 6.1 / 11.9 / 1.6 |