You may qualify for unclaimed settlement money Check in 30 Seconds →
🚗 Free Guide · SettlementRadar

State Farm Class Action Settlements & Claims Guide

Last Updated: April 2026

State Farm Mutual Automobile Insurance Company is the largest property and casualty insurance company in the United States, and it has been the defendant in numerous high-profile class action lawsuits involving claims handling practices. State Farm policyholders have recovered hundreds of millions of dollars through settlements over systematic underpayment of auto repair claims (including the use of non-OEM "aftermarket" parts), undervalued total loss vehicle settlements, homeowner insurance claim underpayments after natural disasters, improper diminished value denials, and illegal robocall marketing practices. If you hold or have held a State Farm auto or homeowner policy and experienced a denied or reduced insurance claim, you may be entitled to additional compensation through class action settlements.

Browse Open Settlements File a Claim — $9.99
106+ people use SettlementRadar to track and file open class action settlements.

State Farm's Major Class Action Settlements

State Farm's largest class action settlement was the landmark Avery v. State Farm case, where an Illinois jury initially awarded $1.186 billion against State Farm for using non-OEM (aftermarket) replacement parts in auto repair claims while charging policyholders for OEM-quality parts. Although the verdict was overturned on appeal, the litigation led to lasting changes in State Farm's parts specification practices and industry-wide scrutiny of "like kind and quality" parts standards. State Farm has also settled class actions in multiple states over systematic undervaluation of totaled vehicles — using a valuation method that produced lower payouts than market value. State Farm paid $250 million to settle a class action in California over underpayment of diminished value claims following at-fault accident repairs.

State Farm Auto Insurance Claim Underpayment

State Farm has been accused in multiple class action lawsuits of systematically undervaluing auto insurance claims in two main ways: (1) undervaluing total loss vehicle claims by using a database-driven valuation methodology (CCC ONE) that produced payouts below what comparable vehicles actually cost in the local market; and (2) denying or underpaying diminished value claims — the reduction in a vehicle's resale value after an accident — for policyholders who were in accidents caused by third parties. If you had your vehicle declared a total loss by State Farm, or if State Farm handled your claim as the at-fault driver's insurer (third-party claim), you may have been underpaid. Check the settlement cards above for any currently open State Farm auto claim settlements.

15 No-Proof-Required Settlements Open Right Now

All claims below require zero documentation — no receipts, no uploads. Confirm eligibility and file in under 5 minutes.

1
State Farm Bank, Afni $110M Repossession Settlement
$110,000,000 🚨 Deadline: Apr 23, 2026 ✅ No Proof
File Now View details →
2
State Farm $20.93M Vehicle Insurance Class Action Settlement
$20,930,000 📅 Deadline: Jul 2, 2026 ✅ No Proof
File Now View details →

State Farm Homeowner Insurance Settlements

State Farm has settled class action litigation over homeowner insurance claim handling in multiple states. Following Hurricane Katrina, State Farm reached a $250 million settlement with Mississippi policyholders who alleged their flood-versus-wind damage designations were manipulated to reduce payouts below what the policies required. State Farm has also settled claims over its "concurrent causation" policy interpretation that was used to deny homeowner claims involving both covered and non-covered causes of loss. More recently, State Farm faces class actions in California and other states over inadequate replacement cost calculations — where the amount paid to rebuild a home after a total loss is insufficient to cover actual rebuilding costs in the current construction market.

State Farm Robo-Call & TCPA Violations

Beyond claims handling disputes, State Farm has settled class action litigation under the Telephone Consumer Protection Act (TCPA) over its marketing communication practices. The TCPA prohibits companies from making automated phone calls or sending automated text messages to consumers without prior express written consent. State Farm and its local agents have faced TCPA class actions for sending automated marketing calls and texts to consumers whose numbers were obtained through data brokers, without obtaining proper consent first. State Farm has settled multiple TCPA class actions, with class members receiving between $500 and $1,500 per illegal automated call or text under the TCPA's statutory damages provision. Check the settlement cards above for currently open State Farm TCPA claims.

Go Pro — Get personalized settlement matches, deadline reminders, and filing status tracking for every claim you submit.
View Pro Plans →

Frequently Asked Questions

Check the settlement cards at the top of this page for currently open State Farm settlements with active filing deadlines. SettlementRadar tracks State Farm auto, homeowner, and TCPA settlements in real time. Subscribe below for free email alerts when new State Farm claims open.
State Farm total loss settlements have addressed systematic undervaluation using valuation databases that produce below-market payouts. If State Farm totaled your vehicle and the payout was less than what comparable vehicles were actually selling for in your area, you may have been underpaid. Check the settlement cards above for currently open State Farm total loss class action claims.
State Farm has historically denied first-party diminished value claims — the loss in your vehicle's resale value after it is repaired following a collision. California, Georgia, and other states have required State Farm to pay diminished value under their policy terms through class action settlements. Check the settlement cards above for open diminished value claims in your state.
The landmark Avery v. State Farm litigation established that using non-OEM "like kind and quality" aftermarket parts while charging for OEM equivalent parts violated policyholder contracts. If State Farm used aftermarket parts in your vehicle repair while representing they were equivalent to original manufacturer parts, you may have a claim. Check the settlement cards above for current aftermarket parts class action status.
State Farm settlement amounts vary by case type. Total loss undervaluation settlements have paid hundreds to thousands per claimant based on the underpayment amount. TCPA robocall settlements pay $500–$1,500 per illegal call under federal law. Homeowner claim settlements depend on the specific damage and underpayment. Check individual settlement cards above for current payment estimates.

Get New Settlement Alerts

We'll email you when new settlements open that match your profile — free, no spam.

Unsubscribe anytime. We never sell your email.

Related Guides
🔍 Open Class Action Settlements You Can File Right Now Read guide → 💰 How to Find Unclaimed Settlement Money Read guide → ✅ No Proof Required Settlements: 15 Easy Claims You Can File Today Read guide → 🔐 Data Breach Settlement Claims Guide Read guide →
Browse Related Settlements
🚗 Browse All Open Settlements 📋 All Open Class Actions 💰 Find Unclaimed Settlement Money ✅ No-Proof Required Settlements 🔒 Data Breach Settlement Guide All Open Settlements →

Start Finding Money You're Owed

Browse 657+ open settlements. Most people qualify for several they've never heard of.

Browse Open Settlements → File a Claim — $9.99 Go Pro → Find My Settlements →

📤 Found this guide useful? Share it with someone who could be owed money too.

← Back to all guides
⚖️ Comparing

Get Free Settlement Alerts

New settlements added daily. We'll alert you before deadlines close so you never miss a claim.

Free · No spam · Unsubscribe anytime