State Insurance Reviews 

Absolutely appalling State Insurance company. I have previously been with AA insurance and they were always wonderful to deal with. Shopping around for cheaper insurance I Joined State. Due to a claim made 2024 State are making me pay all the money back? From Claims officer Lawson Grau. The report was unprofessional and I had to do all the following up with state. Then the claim was rejected. It was up to me to get all the information. State is so quick to sign you up on policies and pay money. The moment you need help they'll try everything to decline to take money back.

Absolutely appalling insurance company. I have previously been with aa insurance and they were always wonderful to deal with. I decided to do some shopping around to get price comparison and noted that state was abit cheaper so I switched over. What a mistake that was. First claim our washing machine had been running fine then we were experiencing surges in our area and on one occasion the machine was running and just died. State organised uniway to inspect and then they organised a contractor. The report was unprofessional and I had to do all the following up with state they never once called about the claim. Then the claim was rejected. I then raised a complete and you get put through to a step 2 review. The lady was rude. She sent a long winded email stating I needed to get the surge reports off northpower and it was up to me to get all the information. I rang northpower and they said the insurers normally ring them directly. I emailed the reviewer back 6 days ago and told her that and no reply. Horrendous service. Don't waste your time and don't get caught out by there prezzy card promotion as it isn't worth it

I have been with this company for about 15 years.I have health insurance with them

I took out three policies with State insurance for car household contents and house insurance got told I would get a $100 prezzy card sent out to me four weeks after taking out policies. Now eight weeks later and three phone call to be told I won’t be getting the promised prezzy card. Not happy could have gone with a cheaper company like Vero

I called to cancel my car insurance policy as I no longer needed it. Mike, who took my call, gave the best customer service! Everything was smooth and efficient.

I’ve been with state insurance for about 2 years and I’ve never had an issue! They’ve always been so helpful and have gone out of their way to help me (and trust me I’ve had a lot of car issues.) Unfortunately I had to sell my car and I spoke with Jack! He was incredibly helpful and truely made my day, he had so much happiness and whimsy it was lovely to see! Thank you Jack!

I'm disappointed with my experience contacting State Insurance customer service. On several occasions, I've had difficulty understanding the representatives because of communication issues, which has made it hard to resolve my concerns. Clear communication is essential in customer service, and I hope this can be improved.

I'm not the best with accents. So interacting with States staff on multiple occasions hasn't gone well. I assume they have their call center in India. When your dealing with a multi million dollar asset and your not sure what the insurer is saying it's an abysmal start. I ended up going with another company that had Kiwis working for them. Communication is important when dealing with important contracts.

Hopeless!! The worst insurance company, especially when it comes to refunds!!!!! Absolute trash

This is a review for the incredible young man by the name of Daniel Levine who is the customer care representative for State Insurance as well as multiple other companies. Daniel went out of his way to assist me with my car claim via State and I couldn't have been happier. When a car is stolen or an accident occurs it can become incredibly stressful. Daniel was there every step of the way and I have nothing but praise for him. Cool, calm and collect as well as completely knowledgable. The man deserves a raise. Thank you Daniel xox

I was with state for years, but unfortunately they put their prices up for my car insurance so I left.
Always shop around and get the best deals.

I was absolutely appalled at State Insurance roadside assist. I had a flat tyre. I called State at 11 am after numerous co.plaints evntually a man came he said it took him 30 min! Imagine if I had been stuck in a bad area as a woman and waited the day for help!!! I have been paying for over 15 years and dont expect such appalling service! The woman I spoke to Chantel was initially so rude I thought that customers should be treated with respect because we are paying for a service. When she knew iwas going to complain her attitude changed so good on her! State you are in a state!

Absolute joke of a company. Have told me my claim can’t be approved because they can’t tell when the damage was done, no shit only the bugs in the ground know that information. I will be moving companies ASAP and warning everyone against them.

I just phoned to get a quote to add my child to my insurance policy. I found it extremely difficult to understand the service reps accent. I had to keep asking them to repeat, so they started yelling at me, but slowly........I'm not deaf!!! HOW RUDE!!

Absolutely brilliant experience with State insurance with a water leak under our floor. They replaced the chipboard floor,cupboards, vinyl flooring etc to a very high standard could not speak highly enough. My daughter had a very similar experience with a water leak and only got the minimum pay out $3000 less excess of $750 with another company who we as a family have had very bad experiences with. We will be staying with State forever they are just the very best thanks so much.

Sold my car on the weekend. Wanted to cancel the policy. Chatbot kept saying to "fill in the form below". No form ever appeared. Chatbot said to do it with the online app. No option exists there. How do these companies get it so wrong?

DO NOT USE STATE!! Shouldn't even be given 1 star. Hopeless, Incredibly Annoying and Extremely Frustrating!! Submitted on JANUARY 30, 2026 all my receipts and doctor/emergency visits documentation for dog attack with three bites, requiring 14 stitches, daily bandaging ongoing (which my claim $ are needed to fund, and this I told State) Anyway, zero money received back, it now April 13, 2026... 2 and 1/2 months later, they state "10 days" to finalise claims. 10 days have now passed 10 times. Imagine if you were in hospital and this is the treatment your travel insurance is giving you?!! Have filed with IFSO on February 23, still no result from State. INCREDIBLY FRUSTRATED!! DO NOT USE!!

Have been with them for almost 10 years paying comprehensive for my cars. Never had a claim.
I’ve now put in an attempted theft claim and it has been a horrible experience. The first woman I spoke with had everything wrong, my car was left on the side of the road so had to call again and finally managed to get a tow truck. They’ve towed it to a town where I don’t live, but I also had no contact or no update and had to figure it out for myself what was happening with my car.
It’s been a week and after calling the company that has my car daily, I’ve been told they haven’t even looked at it. They’re now asking me to travel 2 hours (without a car or bus route), to come in and fill out a form so they can even look at my car. Would you not tell me this on the first day you received the car? Does state not provide my details? Why is this even part of it.
I told the company I could come tomorrow to fill the form out and the response was “nah it’s raining, none of us want to get wet and I’m sure you don’t either”. So am I supposed to sit around and let my car rot in a car yard? What am I supposed to do? This is insane and I will never use state again. I will make it my mission to tell everyone to never use state again.

I was involved in a hit-and-run accident with a vehicle that did not have a valid WOF. When I first lodged my claim with State Insurance, they accepted the claim and waived my excess because the other driver appeared to be at fault.
However, about a month later they reversed their decision and informed me that I was responsible for the accident and would have to pay the excess. I disputed this decision for several months but their position did not change.
I eventually contacted the IFSO(Insurance & Financial Services Ombudsman) Scheme for assistance. After IFSO asked State to review the case again, State agreed to waive my excess. However, they still refused to acknowledge any responsibility from the other driver.
The process took months and was extremely frustrating.

Should be zero stars, waited 45 minutes to talk to someone, she confirmed my contact details, said she will call back in a minute, didn't, wtf State, my claim for damaged glasses has taken 10 days and no response from you, we have been with State for many years and there service is the worst ever, seriously looking at changing insurance companies for all our needs