State Farm auto insurance customers may need assistance with a policy payment, premium increase, coverage change, cancellation, proof of insurance, accident claim, repair estimate, glass damage, rental vehicle, total-loss valuation, roadside request, Drive Safe & Save account, or unresolved complaint.
The correct place to start depends on whether the issue involves an active auto policy, billing account, local State Farm agent, accident claim, glass-only claim, roadside event, or claim against a State Farm policyholder.
This page focuses on State Farm auto insurance customer service. State Farm life, health, investment and former banking products use separate service departments.
Below are State Farm’s current auto insurance contacts, claim and repair guidance, payment and cancellation information, complaint escalation options, and related consumer resources.
State Farm auto insurance contact information reviewed and updated in June 2026.
State Farm Auto Customer Service Help by Issue
- General auto insurance question: Contact a local State Farm agent or call 1-800-STATE-FARM at 1-800-782-8332.
- Existing policy or account assistance: State Farm also lists 1-855-733-7333 for insurance customer service and policy management.
- New auto insurance quote: Call 1-800-782-8332 or contact a local State Farm agent.
- Report an accident claim: Call 1-800-SF-CLAIM at 1-800-732-5246, file online or use the State Farm mobile app.
- Claim against a State Farm driver: Third-party claimants can file online or call 1-800-732-5246.
- Check an existing claim: Sign in to track the claim or call 1-800-732-5246 with the claim number.
- Glass-only claim: File online, contact the agent or call 1-888-624-4410.
- Emergency roadside assistance: Call 1-877-627-5757 or request service online.
- Make an insurance payment: Pay online, through the app or by calling 1-800-440-0998.
- Payment not posted: Keep the payment confirmation, bank record and policy or billing-account information and contact the agent.
- Minimum or partial payment: Most policies require the total amount due, but some eligible accounts offer partial or Pay Half options.
- Premium increased: Ask the agent to explain rating changes, claims, discounts, drivers, vehicles, mileage, address and renewal terms.
- Add or remove a vehicle or driver: Contact the State Farm agent or manage eligible policy information through the account.
- Cancel State Farm auto insurance: Contact the local agent. Cancellation can generally be completed by phone, mail or in person.
- Need an insurance ID card: Download it through the account or mobile app or request one from the agent.
- Repair estimate problem: Contact the assigned claim associate and provide the repair shop’s supplemental documentation.
- Want to choose a repair shop: State Farm states that the customer may choose any repair facility.
- Rental vehicle question: Check whether rental reimbursement coverage appears on the policy and ask the claim team about applicable daily and total limits.
- Total-loss disagreement: Request the valuation report and review the vehicle description, mileage, options, condition and comparable vehicles.
- Drive Safe & Save problem: Contact the agent or call 1-800-782-8332 for assistance with enrollment or recorded trips.
- Suspicious State Farm email: Forward it to abuse@statefarm.com without clicking its links.
- Suspected insurance fraud: Notify State Farm or call the National Insurance Crime Bureau at 1-800-835-6422.
- Unresolved insurance complaint: Request supervisor review and consider the insurance department in the state connected to the policy or claim.
How To Contact State Farm Auto Insurance
Important: The telephone number 1-800-440-0998 is State Farm’s automated insurance-payment line. It should not be labeled as the main customer-service number.
A local State Farm agent handles many policy questions, coverage changes, cancellations and billing-plan issues. Claims representatives handle accident investigations, repair estimates, rental vehicles, total losses and claim payments.
What To Do After a Car Accident
Protect personal safety first. Call 911 when anyone is injured, traffic is blocked, a vehicle is unsafe, or police, fire or emergency medical assistance is needed.
At the Accident Scene
- Move to a safer location when it is legal and safe
- Turn on hazard lights
- Call police when required or appropriate
- Exchange driver, vehicle and insurance information
- Record license-plate numbers
- Photograph vehicle damage and the accident scene
- Photograph traffic signals, signs, lane markings and road conditions
- Obtain witness contact information
- Record the police-report or incident number
- Find out where any towed vehicle is being taken
- Avoid discussing fault or accepting a private cash settlement
After Leaving the Scene
- File the claim online, through the State Farm app or by calling 1-800-732-5246.
- Notify the State Farm agent.
- Ask for the claim number.
- Record the assigned claim representative’s contact information.
- Preserve photographs, estimates, towing records and police information.
- Take reasonable steps to prevent additional vehicle damage.
- Do not authorize major repairs until the inspection and estimate process is understood.
How To File a State Farm Auto Claim
State Farm allows auto claims to be filed online, through the mobile app or by telephone at any time of day.
Information To Have Available
- The State Farm policy number, when available
- The policyholder’s name
- The date and approximate time of the incident
- The location
- The vehicles involved
- A description of what happened
- A description of the damage
- Driver and passenger information
- Other insurance information
- Police-report information
- Witness information
- Photographs or video
- The current location of the damaged vehicle
State Farm’s online and mobile claim systems allow eligible users to upload photographs and documents, communicate with the claim team, arrange direct deposit, review tasks and track the claim.
Filing a Claim Against a State Farm Driver
A person who was involved in an accident with a State Farm policyholder can file a third-party claim online or call 1-800-732-5246.
Be prepared to provide:
- The State Farm policyholder’s name
- The policy number, when available
- The State Farm-insured vehicle
- The accident date and location
- Your contact and insurance information
- Police-report information
- Photographs and estimates
- Information about injuries or additional property damage
Opening a claim does not mean State Farm has accepted coverage or liability. The company may investigate the policy, accident circumstances and claimed damages before making a decision.
How To Check a State Farm Claim
Customers and third-party claimants can track an existing claim online or call the claims department.
Have This Information Ready
- The claim number
- The policyholder’s name
- The date of loss
- The vehicle involved
- The claim representative’s name
- The specific action or answer needed
Questions To Ask
- Has coverage been confirmed?
- Has liability been determined?
- Which documents or statements are still needed?
- Has the vehicle inspection been completed?
- Has an estimate been prepared?
- Is supplemental damage under review?
- Has payment been issued?
- Was a payment made to the repair shop, lienholder or customer?
- What is the next expected step?
- When should the claimant follow up?
Keep notes showing the date, time, representative and explanation from each claim contact.
State Farm Repair Estimates and Repair Shops
State Farm states that customers may select any repair shop. Its Select Service network offers participating shops that can prepare estimates, complete repairs and receive payment directly from State Farm.
Select Service Features
- Estimate and repairs at one participating location
- Direct payment arrangements with State Farm
- A guaranteed completion date from the shop
- A limited lifetime warranty from the participating shop
- Possible vehicle pickup and delivery
A customer is not required to use a Select Service repair shop. Contact the claim associate before using a non-network facility so the estimate and inspection process can be coordinated.
Before Authorizing Repairs
- Obtain State Farm’s estimate
- Review the deductible
- Ask which parts and repair procedures are included
- Ask how hidden or supplemental damage will be handled
- Confirm whether the shop accepts the estimate
- Ask whether any customer-paid difference is expected
- Keep every estimate and authorization
Supplemental Damage
If the repair shop discovers additional accident-related damage, it should document the damage and submit a supplement to State Farm.
Do not assume every additional shop charge will automatically be covered. State Farm may need to inspect or approve supplemental work before payment.
State Farm Glass Claims
Glass-only claims can be filed online, through a State Farm agent or by calling Safelite Solutions at 1-888-624-4410.
Massachusetts policyholders are directed to call 1-800-526-8210.
Before Filing a Glass Claim
- Check whether comprehensive coverage applies
- Review the glass deductible
- Identify whether the glass can be repaired or requires replacement
- Record the vehicle year, make and model
- Photograph the damage
- Ask whether recalibration of cameras or safety sensors is required
- Confirm whether the selected glass company participates in the program
Coverage for repair, replacement, deductibles and recalibration varies by policy and state.
State Farm Rental Car Coverage
Rental reimbursement coverage may help pay for substitute transportation while an insured vehicle cannot be driven or is undergoing repairs because of a covered comprehensive or collision loss.
Rental reimbursement generally does not apply to routine maintenance or an ordinary mechanical breakdown that is not covered by the auto policy.
How To Check for Rental Coverage
- Review the insurance card
- Look for an “R” in the coverage information
- Sign in to the State Farm account
- Review the declarations page
- Ask the agent or claim representative
Questions To Ask
- What is the daily rental limit?
- What is the maximum total benefit?
- When does rental eligibility begin?
- When will rental authorization end?
- Which rental companies can bill State Farm directly?
- Are taxes, fuel or optional insurance included?
- What happens if repairs take longer than expected?
State Farm Total-Loss Claims
State Farm may determine that a damaged vehicle is a total loss after evaluating its damage, repairability and actual cash value.
If Your Vehicle Is Declared a Total Loss
- Request the complete valuation report
- Confirm the year, make, model and trim
- Check the mileage
- Check listed options and equipment
- Review condition adjustments
- Review comparable vehicles
- Ask about sales tax, title and registration treatment
- Ask how the deductible was applied
- Ask how a loan or lease affects payment
- Ask whether owner-retained salvage is permitted
If You Disagree With the Valuation
- Identify errors in the vehicle description.
- Review every comparable vehicle.
- Gather listings for similar vehicles in the local market.
- Provide receipts for recent major improvements when relevant.
- Submit the disagreement and supporting evidence in writing.
- Ask for a revised report or written response.
- Review any appraisal or dispute provision in the policy.
The insurance valuation may be lower than the amount remaining on a vehicle loan or lease. Gap insurance is separate coverage and is subject to its own terms.
Towing and Vehicle Storage Charges
After an accident, determine where the vehicle was towed and whether daily storage charges are accumulating.
Information To Collect
- The towing company
- The storage location
- The daily storage rate
- The amount already owed
- Vehicle-release requirements
- The claim representative’s instructions
- Whether the vehicle will be moved for inspection or salvage review
Do not assume that an insurer will pay unlimited storage charges. Contact the claim team promptly and follow reasonable instructions intended to reduce continuing expenses.
State Farm Emergency Roadside Service
Customers can check for roadside coverage by reviewing the back of the insurance ID card for “Coverage H,” signing in to the account or contacting the agent.
Covered Roadside Services Typically Include
- Towing a disabled covered vehicle to the nearest repair facility
- Delivery of fuel, oil, a battery or tires
- One hour of locksmith service
- One hour of mechanical labor for certain roadside problems
- Battery assistance
- Flat-tire assistance
Delivery service may be covered while the customer remains responsible for the fuel, tire, battery or other replacement item.
Customers without Coverage H may still request State Farm’s negotiated roadside service but generally must pay the provider.
Roadside Safety
Call 911 first when anyone is injured, the vehicle creates an immediate traffic danger, fluids are leaking dangerously, or police, fire or medical assistance is required.
How To Pay a State Farm Auto Insurance Bill
State Farm accepts insurance payments online, through its app, by telephone, through an agent and by mail.
- 24-Hour Telephone Payment: 1-800-440-0998
- Payment Mailing Address: State Farm Insurance, P.O. Box 680001, Dallas, TX 75368-0001
Information Needed for a Telephone Payment
- The telephone number associated with the account
- The policyholder’s date of birth
- A credit or debit card or bank-account information
- The policy or billing-account information
Before Submitting a Payment
- Confirm the policy or billing account
- Review the total amount due
- Check the due date
- Confirm the payment method
- Check whether AutoPay is already pending
- Save the payment confirmation
- Verify the account status afterward
Can I Make a Minimum or Partial State Farm Payment?
State Farm states that most policies and billing accounts accept payment of the total amount due rather than an arbitrary minimum payment.
Partial-payment options may be available for:
- Some full-term auto policies
- Eligible State Farm Payment Plan accounts
- Eligible State Farm Billing accounts using a Pay Half schedule
Sign in and look for a “Pay other amount” option. If it does not appear, contact the State Farm agent before sending less than the amount due.
Paying less than the required amount without confirming eligibility could leave the policy past due or subject to cancellation.
State Farm Payment Not Posted
If a payment does not appear:
- Check the State Farm payment history
- Check the bank or payment-card account
- Locate the confirmation number
- Confirm the policy or billing account used
- Check whether the payment was returned or declined
- Check whether a duplicate payment was submitted
- Contact the State Farm agent
Ask whether the policy remains active while the payment is being researched. A pending bank withdrawal does not by itself confirm that insurance coverage remains active.
Duplicate State Farm Payments
State Farm’s treatment of duplicate payments depends on the payment methods, submission time and accounts used.
If the same bank account is used for identical payments submitted within a short period, State Farm may process only one. Payments made from different bank accounts or cards may all be processed.
Contact the agent when an unintended duplicate payment posts and keep every payment confirmation.
Why Did My State Farm Auto Premium Increase?
Auto insurance premiums can change because of:
- Accidents or claims
- Driving violations
- Driver additions or removals
- Vehicle changes
- Mileage or vehicle-use changes
- Address or garaging location
- Coverage limits and deductibles
- Discount changes
- Drive Safe & Save results
- State-approved rate changes
- Insurance-score information where legally permitted
- A lapse or reinstatement
Questions To Ask the Agent
- Which rating factor changed?
- Did a discount expire or disappear?
- Did a driver, vehicle, mileage or address change?
- Was a claim or violation added?
- Did State Farm implement a broader state rate change?
- Would different deductibles change the premium?
- Can the explanation be provided in writing?
Do not remove legally required or financially important coverage without understanding the potential consequences.
Changing a State Farm Auto Policy
Contact the State Farm agent to:
- Add or remove a vehicle
- Add or remove a driver
- Change an address
- Change annual mileage or vehicle use
- Change coverage limits
- Change deductibles
- Add rental or roadside coverage
- Update a lienholder
- Update contact or payment information
After a Policy Change
- Confirm the effective date
- Review the updated premium
- Review every driver and vehicle
- Check the coverage limits and deductibles
- Confirm the lienholder
- Download updated declarations and ID cards
- Save the confirmation
How To Cancel State Farm Auto Insurance
State Farm directs customers to contact their local agent to cancel an insurance policy.
Cancellation can generally be requested by telephone, by mail or in person. State Farm says telephone cancellations are typically effective immediately or can be scheduled for a future date.
Information You May Need
- The policyholder’s name
- The policy number
- The date of birth
- The requested cancellation date and time
- The replacement insurer and policy information
- A bill of sale or proof of plate forfeiture when the vehicle was sold
Before Canceling
- Arrange replacement insurance first when the vehicle will remain registered or driven
- Confirm the new policy’s effective date
- Ask whether unused premium will be refunded
- Ask whether any amount remains due
- Confirm whether AutoPay stops automatically
- Request written cancellation confirmation
- Keep the final bill and refund information
Do not simply stop paying. A lapse or insurer-initiated cancellation can create registration, lender, driving and future-insurance problems.
State Farm Insurance ID Cards
Insurance ID cards may be available through the State Farm account or mobile app. Customers can also request updated cards from their agent.
Review the card after a policy change to confirm:
- The policy number
- The named insured
- The insured vehicle
- The effective and expiration dates
- The agent information
- Roadside Coverage H, when purchased
- Rental coverage indicators, when applicable
Drive Safe & Save Problems
Drive Safe & Save uses eligible mobile-app and vehicle information to calculate an auto insurance discount based partly on recorded driving activity.
Contact State Farm when:
- Trips are not recording
- The Bluetooth beacon will not connect
- The app shows the wrong driver
- Telephone permissions are disabled
- A vehicle was sold or replaced
- A discount changed unexpectedly
- The customer wants to stop participating
State Farm lists 1-800-782-8332 for Drive Safe & Save assistance. Customers can also contact their agent.
Policy Cancellation or Nonrenewal Notice
A State Farm cancellation or nonrenewal notice should identify the effective date and reason, subject to state insurance law.
Act Promptly
- Read the complete notice
- Identify the final coverage date
- Contact the agent
- Ask whether missing information or payment can correct the issue
- Request the reason in writing
- Begin looking for replacement insurance
- Keep proof of every payment and communication
- Contact the state insurance department when the notice appears incorrect
Do not drive after the policy ends unless replacement coverage is active.
State Farm Scam and Phishing Warnings
Scammers may impersonate State Farm agents, claim representatives, roadside providers, repair shops or billing departments.
Warning Signs
- Demand for gift cards, cryptocurrency or wire transfer
- Request for a password or one-time security code
- Request to pay an individual instead of State Farm
- Threat of immediate cancellation without account verification
- Unexpected link to a payment website
- Promise of guaranteed claim payment for a fee
- Request for remote access to a computer or telephone
- Request to sign a blank claim, repair or payment document
How To Verify a State Farm Message
- Do not click the suspicious link.
- Open StateFarm.com directly.
- Sign in and review the policy, billing account or claim.
- Call the agent or an official State Farm telephone number.
- Forward suspicious emails to abuse@statefarm.com.
- Contact the financial institution promptly if money was sent.
How To Report Insurance Fraud
Insurance fraud may involve a staged accident, false claim, altered documents, inflated repair charges, identity theft or intentional misrepresentation.
Do not make public accusations containing private personal information. Provide evidence directly to the insurer, law enforcement or appropriate fraud-reporting organization.
How To Escalate an Unresolved State Farm Complaint
- Contact the correct department. Use the agent for policy and billing matters and Claims for accident-related issues.
- Request a reference or claim number. Record the representative, date and explanation.
- State the requested resolution. Ask for a billing correction, policy change, coverage explanation, estimate review, claim decision or valuation review.
- Keep supporting documents. Preserve policies, declarations, bills, payments, photographs, estimates, police reports and communications.
- Request supervisor review. Explain what remains unresolved and what earlier representatives stated.
- Submit the dispute in writing. Use the account, claim communication tools or written correspondence provided by the representative.
- Request the final decision in writing. Ask which policy provision, valuation, rating factor or claim record supports the decision.
- Contact the state insurance department. File with the department in the state connected to the policy or claim.
- Consider qualified legal advice. This may be appropriate when the dispute involves serious injuries, litigation, a substantial loss or an important deadline.
State Insurance Department Complaints
Insurance departments commonly accept complaints involving:
- Claim delays or denials
- Settlement disputes
- Policy cancellations or nonrenewals
- Billing and premium disputes
- Agent conduct
- Failure to provide required policy or claim information
Provide the policy or claim information privately to the regulator rather than publishing it in a public review.
For ownership, headquarters and corporate contact information, visit the State Farm Corporate Office Headquarters page.
State Farm Auto Customer Reviews and Complaint Sentiment
At the time this page was updated, State Farm had a rating of 4.0 out of 5 stars on CustomerServiceNumbers.com based on one historical submission from September 2018.
The submission asks when a minimum auto insurance payment is due but does not describe a completed customer-service interaction or outcome. One brief historical submission is not enough to calculate meaningful positive or negative customer sentiment.
As additional reviews are submitted, this section may be updated with recurring topics involving:
- Local State Farm agents
- Premiums and renewal increases
- Payments and billing plans
- Policy changes and cancellations
- Roadside assistance
- Claim reporting and communication
- Repair estimates and supplements
- Glass claims
- Rental vehicles
- Total-loss valuations
- How effectively complaints were resolved
Future sentiment summaries will be based on actual CustomerServiceNumbers.com reviews rather than generalized assumptions about State Farm or its policyholders.
What To Include in Your State Farm Review
- The state and general service area
- Whether the issue involved a policy, payment, roadside request or claim
- The approximate dates involved
- Whether you contacted an agent or the claims department
- Whether State Farm provided a reference or claim number
- How long it took to receive a response
- Whether the promised action occurred
- Whether the issue was resolved
Do not publish a complete policy number, claim number, driver’s-license number, vehicle identification number, payment information, medical records, exact home address or employee personal information.
State Farm Auto Insurance Frequently Asked Questions
What is the State Farm customer-service number?
For general questions or quotes, call 1-800-782-8332. State Farm also lists 1-855-733-7333 for insurance policy customer service.
What is the State Farm auto claims number?
Call 1-800-732-5246 or 1-800-SF-CLAIM. Auto claims can be filed 24 hours a day.
Can I file a claim against a State Farm driver?
Yes. Third-party claimants can file online or call 1-800-732-5246.
What is the State Farm glass claim number?
Call Safelite Solutions at 1-888-624-4410. Massachusetts policyholders should call 1-800-526-8210.
What is the State Farm roadside-assistance number?
Call 1-877-627-5757. Roadside assistance is available 24 hours a day.
How do I know whether I have State Farm roadside coverage?
Check the back of the insurance ID card for Coverage H, review the online account or contact the State Farm agent.
What is the State Farm bill-pay number?
Call 1-800-440-0998 to make an insurance payment by telephone 24 hours a day.
Can I make a minimum or partial State Farm payment?
Most policies require the total amount due. Some eligible full-term auto policies and billing accounts offer partial or Pay Half options. Contact the agent if the option does not appear online.
Can I choose my own repair shop?
Yes. State Farm states that customers may choose any repair shop. Its Select Service network is optional.
Does State Farm provide a rental vehicle?
Rental reimbursement may apply when it was purchased and the vehicle is unavailable because of a covered comprehensive or collision loss. Daily and total limits apply.
How do I dispute a State Farm total-loss offer?
Request the valuation report, correct any vehicle errors, review the comparable vehicles and submit relevant local listings or other evidence in writing.
How do I cancel State Farm auto insurance?
Contact the local State Farm agent. Cancellation may generally be completed by telephone, mail or in person. Obtain written confirmation of the effective date.
Can I stop paying to cancel my State Farm policy?
No. Stopping payments could cause a lapse or insurer-initiated cancellation. Contact the agent and complete the cancellation process.
Why did my State Farm premium increase after a claim?
State Farm says factors may include fault, accident frequency, driving history and the amount of property damage. Other policy and state rating factors may also apply.
How do I report a suspicious State Farm email?
Forward the suspicious email to abuse@statefarm.com and verify the account by opening StateFarm.com directly.
How do I complain about State Farm?
Contact the agent or claims department, request supervisor review and obtain the final position in writing. If unresolved, contact the insurance department in the state connected to the policy or claim.
Where is State Farm headquartered?
State Farm Mutual Automobile Insurance Company is headquartered at One State Farm Plaza, Bloomington, Illinois 61710. Its corporate phone number is 1-309-766-2311.
Related Auto Insurance Customer Service Pages
Official State Farm and Insurance Resources
Related Consumer Resources
Why Trust CustomerServiceNumbers.com?
CustomerServiceNumbers.com has helped consumers locate support information and share customer-service experiences since 2004. We independently organize company contacts, common policy and claim problems, historical customer feedback, complaint information and practical resolution steps.
Our goal is not simply to repeat an insurance telephone number. We help consumers determine whether to contact a State Farm agent, Customer Service, Claims, Glass Claims, Roadside Assistance, a repair shop or a state insurance department.
Reviews may be moderated for spam, profanity, policy and claim numbers, payment information, medical information, home addresses and personally identifiable information while preserving the reviewer’s original meaning.
Share Your State Farm Auto Insurance Experience
Have you contacted State Farm about a premium, payment, policy change, cancellation, roadside request, glass claim, accident claim, repair estimate, rental vehicle, total-loss valuation or unresolved complaint?
Leave a rating and review below. Include the general state or service area, type of issue, department or agent contacted, whether State Farm provided a claim or reference number, how long it took to receive assistance and whether the issue was resolved.
Your experience may help another consumer determine whether to contact a State Farm agent, Customer Service, Claims, Glass Claims, Roadside Assistance, a repair facility or a state insurance regulator.
Disclaimer: CustomerServiceNumbers.com is an independent consumer website and is not affiliated with State Farm Mutual Automobile Insurance Company, State Farm Indemnity Company, any State Farm agent, Safelite Solutions, repair shop, roadside provider, rental company or state insurance department. State Farm does not provide customer support through this website.
This page provides general consumer information and does not provide legal, insurance, claims, repair, financial, medical or regulatory advice. The insurance policy, declarations page, endorsements, state law, claim records, repair documents and official written decisions control each policyholder’s coverage and claim.
