I just received three separate emails from State Farm regarding a dividend payment for auto policies. I’m very suspicious and googled it, and much to my surprise it’s legit. I saw at least two different reliable sources that confirmed it. You have to go to a dividend site and enter the claim number and PIN code they gave you in the email. There were options for epayments, ie PayPal, Venmo and Zelle, but I chose paper check. Check may take longer but I didn’t have to give them any info.

I got three separate emails for three separate policies. About $100 each. Check your email and inquire about it if you have a State Farm auto policy. I think it’s nationwide.

We too got three checks in the mail out of the blue. My first thought was this is some sort of scam. The thing is, we didn't have to enter any pin code or do anything like that, they just sent us checks.

Hmmm...

I got my first of three dividend payments today. Should be about $300 total across all three, equivalent to almost 2 months worth of premiums I paid last year.

State Farm is a "mutual" insurance company, meaning it is owned by its policyholders rather than public shareholders like other publicly owned companies. Hence, when dividends are declared policyholders can expect a check in the mail (or some form of e-payment).

I've gotten several dividend payments. Never anything huge, but way better than a bill.

This message has been edited. Last edited by: kkina,

I received the email. It went smoothly. I had to provide simple info for each policy in separate submittals. It says to expect payment by October 1st.

Interesting, Amica offers a 'Dividend Policy', but it's a separate type of policy. You get a refund/rebate on your premium at the end of the policy term. Ultimately you do pay a lower premium, but the initial premium is higher. Amica claims the dividend is on average 5-20% of the policy premium. Full disclosure - Though I'm an Amica customer/policy holder, I do NOT have the Dividend Policy and thus far chosen to pay less on the initial premium, so I've got no actual experience to convey on the dividend or that type of policy.

I guess they do that instead of paying claims.

I've never had an issue with State Farm paying claims. I've had 3 claims over the years, all of which were handled without hassle. One of them was even a roof claim that was borderline for hail damage on a 15 year old roof, and I still got approved for a complete replacement.

I believe they said they would mail a check after 60 days if it hadn't been accessed.

quote:

Originally posted by RogueJSK:
I've never had an issue with State Farm paying claims. I've had 3 claims over the years, all of which were handled without hassle. One of them was even a roof claim that was borderline for hail damage on a 15 year old roof, and I still got approved for a complete replacement.

I never shared the name of the insurer in my roofing saga thread. However, since it's done and over with I'll publicly state is was State Farm.

My attorney won for me, and I paid $10k less overall out of pocket than I would have had they actually honored my policy when I made the claim (i.e. they got to eat the depreciation). Additionally, they received the priviledge of paying for my attorney, their attorney, my appraisers, their appraisers (yes, plural), etc.

To quote my attorney on the day the first of two big checks arrived, "it's actually a pretty good policy once you have an attorney. I personally have State Farm."

My wife got a check out of the blue and I got an email asking me to verify policy numbers and a check is coming to me in a few weeks. Not nearly what we pay them annually, but certainly a pleasant surprise.

Bob

I got two about $180 combined, still does not make me regret that I switched too Progessive beginning of the year and saved about $800.

I've been their customer for years, I've never gotten a check. I'll have to call my agent.

I haven't had State Farm since the 1970s, and I have "postal mail" (email "Informed Delivery" about mail in my PO Box).

Maybe I get some exponential dividend from +50 years ago compounded daily times a random number of telephone poles per hour, while driving on the interstate, factored with thirty thousand pounds of bananas....


or, I'm gonna be taxed out Myanus, into oblivion...

Yeah I just got about $250 for my policies that I started last year.

My ex has State Farm and our daughter is on her policy, while my son is on mine. My daughter got into an accident last summer and I handled the claim process and getting the car fixed and was so impressed I immediately switched. My premiums went down a little, but this year they dropped significantly. Now this. I’m a satisfied customer for sure.

If you dig just a bit and we've been watching this closely in Oklahoma, this whole thing is coming because they got caught with their hand in the cookie jar deliberately SCREWING POLICY HOLDERS IN OKLAHOMA OUT OF A BILLION DOLLARS . Oklahomans taking them to court and now they are about to be convicted of it. By kicking back a dividend they are generating some good press.


Oklahoma lawsuit alleges secret scheme by State Farm to cheat homeowners

One family is battling the insurer over roof damage: "How much hardship financially are we willing to take on up front to avoid disaster later on?"
March 11, 2026, 5:45 PM CDT
By Laura Jarrett and Abigail Brooks

BROKEN ARROW, Okla. — Billy Hursh couldn’t believe what he was hearing from his insurance company.
After a hailstorm battered his roof in October 2023, two different contractors told him he needed a full roof replacement, but his insurance company, State Farm, told him the roof was in “fair” condition.
That dispute eventually led to what would become a yearslong legal battle that has now reached the highest court in the state.
Hursh told NBC News during an interview at his home that the first storm was bad enough, but eight months later, an even bigger storm hit.
“The trees are blowing sideways, and you can hear the hail, and the power is flickering on and off,” Hursh remembered.
And the damage to his roof grew worse.
Billy Hursh is suing State Farm, alleging it devised a secret scheme to cheat customers out of coverage for hail damage.NBC News
This time, the Hurshes called a State Farm-recommended contractor to come look at their roof. Again, a full replacement was recommended. State Farm did agree the roof was damaged — but deemed it "minor."
“They said that any damage was under the deductible, and therefore not covered,” Hursh said.

Afraid of what could happen to their home if another storm hit, Hursh and his wife, Lacy, decided to pay out of pocket to replace the roof.
“It’s how much pain, how much hardship financially are we willing to take on up front to avoid disaster later on?” he said.
The answer: more than $22,000, borrowing against the equity of their home for the cost.
“It makes you feel like a sucker,” Hursh said. “Like I was foolish to have thought that the insurance company would hold up their end of the bargain.”
“I had no idea the degree to which we were being taken advantage of,” he said.
Allegations of a secret scheme
The Hursh family decided to take action, filing a lawsuit in state court that lays out a “pervasive, state-wide fraudulent Scheme” by which State Farm aimed to cut costs through “bad faith claims handling tactics that are rigged against the insured.”
According to the lawsuit, the company developed a “Hail Focus Initiative” — secretly narrowing the definition of hail damage to reduce the amount of full roof replacements covered by State Farm.
“State Farm uses this definition to dictate whether an insured is entitled to payment under the policy upon the filing of a valid wind and/or hailstorm claim, yet it can be found nowhere in the policy,” the lawsuit says.
The alleged hidden policy essentially creates a reality where homeowners’ insurance claims are denied before they’re even filed.
“This decision reflects simple greed: maximizing profits for State Farm at the expense of its insureds,” the lawsuit argues.
The Hursh family isn’t alone. Law firms told NBC News that more than 600 homeowners in Oklahoma have similar lawsuits pending against the company, which is the No. 1 property insurer in the state.
State Farm declined NBC News’ request for an interview, but in legal filings denied any wrongdoing, calling the initiative “an effort State Farm first undertook in 2020 to improve the accuracy, quality, and consistency of wind/hail claims handling and to address both overpayment and underpayment of claims.”
In a statement to NBC News, the company said that “over the past two years, State Farm has paid more than $1 billion to Oklahoma customers for wind and hail damage to their homes and property.”
A powerful ally
Late last year, the Hurshes gained a powerful ally in their fight against State Farm: Oklahoma Attorney General Gentner Drummond.
In December, Drummond filed a motion to intervene in their case, writing: “Oklahomans can weather inflation and Oklahoma storms, but they cannot withstand a system in which they are charged more while effectively insured less.”
“What we have here is what I believe is an intentional scheme to defraud customers,” Drummond said in an interview with NBC News. “We’ve discovered and reached a conclusion that State Farm has a scheme of deception. They’re violating their duty of good faith and fair dealings to Oklahomans, and that involves me intervening and holding them accountable.”
State Farm opposed the motion to intervene, arguing that the attorney general’s office has no regulatory authority to investigate the company.
A state court disagreed and granted Drummond’s motion, allowing him the power to not only investigate, but potentially gain discovery into prior settlements between State Farm and Oklahoma homeowners.
State Farm appealed; the decision is now with the state’s Supreme Court.
While the case plays out in civil court, Drummond isn’t ruling out the possibility of bringing even more serious charges against the company. He said his office is exploring possible racketeering violations of the company under the Oklahoma Racketeer-Influenced and Corrupt Organizations Act, otherwise known as ORICO.
“There may be a scheme inside of State Farm’s leadership to intentionally defraud Oklahomans, and if that can be proven,” Drummond told NBC News, “that RICO will cross into the criminal world.”
The case could take months to resolve. But for Billy Hursh, having his day in court already feels like a win.
“If I can help protect my family and maybe help protect someone else’s family ... it's worth everything," he said.

Here's another article from today where state of Oklahoma forcing the CEO to take a deposition and answer questions. Oklahoma Attorney General doing some good here.

quote:

Originally posted by FenderBender:
I've been their customer for years, I've never gotten a check. I'll have to call my agent.

The only thing I can think of offhand is they won't issue a dividend if it's below $10.

I myself have only gotten a few div checks, and I've been a customer for some 40 years.

We got 4 checks…in total just over a hundred.

New Jersey Manufacturers sends dividend checks or you can roll it into you next payment.