Insurer profile · State Farm · NAIC + CMS

State Farm Fire & Casualty

State Farm Fire & Casualty's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.

B
Reputation grade
0.72
Complaint index
48
States active

The verdict

State Farm Fire & Casualty earns a B reputation grade - a better-than-average record versus peers, according to the NAIC's published complaint index, its ratio runs 0.72, below the 1.0 market average.

B
reputation grade
0.72
NAIC complaint index
BBB
Reputation grade B (composite score 71.2) - A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.

Graded on 1 of 3 measures: NAIC complaints. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.

How we calculated this grade →

NAIC CIS filing desk

NAIC 25143 B · 71.2

GRADE-B · INDEX-LOW · DENIAL-NONE · RANK-UPPER · PHOTO-FINISH · LINES-1 · BOOK-RICH

  • GRADE-B B · 71.2
  • INDEX-LOW 0.72
  • DENIAL-NONE No CMS file
  • RANK-UPPER #19/72
  • PHOTO-FINISH Independence Blue Cr… · B
  • LINES-1 1 line
  • BOOK-RICH 6/7 fields

Nearest complaint-index peer: Independence Blue Cross (±0.00 index pts)

Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.

Complaint-index neighbourhood around State Farm Fire & Casualty

Quietest and hottest poles plus nearest index peers, not a full NAIC corpus board reprint.

State Farm Fire & Casualty - complaint index neighbourhood

complaint index

What this shows According to PlainInsurer's dataset, State Farm Fire & Casualty has a lower (better) NAIC complaint index than 72% of the 72 rated insurers it tracks and ranks #4 of 17 carriers by complaint ratio in Home Insurance.

Source NAIC published complaint index (2024) As of 2026

Where State Farm Fire & Casualty sits on complaints

complaint index

What this shows State Farm Fire & Casualty's complaint index of 0.72 is 28% below the 1.0 market average for a carrier of its size.

Source NAIC published complaint index (2024) As of 2024

State Farm Fire & Casualty vs. the full rated-insurer dataset

72% Among the most affordable more affordable than 72% of 72 rated insurers

State Farm Fire & Casualty 0% 425% all rated insurers, bucketed by value

Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source NAIC published complaint index (2024) · 2024

Scale vs. complaint-adjusted score

NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers 2×2 strategic matrix plotting 30 entities by Total complaints → (X) and Composite score (higher = more friction) → (Y), with a crosshair dividing the plot into four quadrants. Large, high frictionSmall, high frictionLarge, low frictionSmall, low friction 02,0004,0006,0008,000 60708090100 Total complaints → Composite score (higher = more friction) →
NAIC complaint counts with PlainInsurer composite scores (multi-vintage: NAIC MCAS + CMS TiC/MA when present), 72 rated insurers

Complaint record by line of business

Line Est. complaints Complaint index States active
Home Insurance ~4,262 0.72 48

Home insurance market share

National ranking by direct written premiums, NAIC 2024

#1
Market share
18.17%
Direct written premiums
$31,461M
See the full market-share ranking →

What the NAIC filing desk shows for State Farm Fire & Casualty

According to PlainInsurer's dataset, State Farm Fire & Casualty has a lower (better) NAIC complaint index than 72% of the 72 rated insurers it tracks and ranks #4 of 17 carriers by complaint ratio in Home Insurance.

State Farm Fire & Casualty is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover. How complaint indexes place State Farm Fire & Casualty.

Nationwide insurers with similar scores or complaint volume

Two corpus-wide peer sets for State Farm Fire & Casualty: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.

Similar composite score

Nearest carriers by composite score (71.2 here). Floored at 50+ complaints and 5+ states.

John Hancock Life 70.4 Humana Health 72.1 Anthem / Elevance Health 70.1 American Family Insurance 69.6

Similar complaint volume

Nearest carriers by NAIC complaint count (4,262 here). Deduped against the score peers so the two sets stay distinct.

Openly Insurance 4,265 complaints Chubb Property 4,168 complaints Cigna Health 4,151 complaints Prudential Financial 4,148 complaints
Aggregates only, not advice. Full terms on the disclaimer.

State Farm Fire & Casualty is part of the State Farm family, alongside State Farm in PlainInsurer's dataset -- a shared parent doesn't mean shared performance, so check each subsidiary's own record before assuming they behave alike.

Questions about State Farm Fire & Casualty

What does State Farm Fire & Casualty's grade mean?
State Farm Fire & Casualty received a grade of B, indicating a better-than-average record versus peers.
How many complaints does State Farm Fire & Casualty have?
PlainInsurer estimates State Farm Fire & Casualty's complaint volume at roughly 4,262 across 48 states, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data).
How do I file a complaint against State Farm Fire & Casualty?
File against State Farm Fire & Casualty through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is State Farm Fire & Casualty a good insurance company?
PlainInsurer's B grade for State Farm Fire & Casualty reflects a better-than-average record versus peers relative to peers on published complaint and denial data.
What types of insurance does State Farm Fire & Casualty offer?
Based on NAIC filing data, State Farm Fire & Casualty reports activity in 1 line of business: Home Insurance. Availability varies by state.

Verify State Farm Fire & Casualty

State Farm Fire & Casualty is filed with the NAIC under company number 25143. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.

Verify on NAIC Consumer Information Source

Source: NAIC published complaint index data Complaint index, reputation grade for State Farm Fire & Casualty · 2024

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The full PlainInsurer extract, covering every insurer including State Farm Fire & Casualty, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.

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Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.

Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.