Most people who search for a State Farm payout per person got an email, saw a headline, or heard a neighbor mention a check. Some are thinking of a lawsuit they read about. Others were hit by a State Farm driver and want to know what State Farm usually pays each person hurt in a crash. Those are three separate pots of money with three separate rules, and mixing them up is how people end up ignoring a real check or expecting one that is never coming.
This guide takes them one at a time. Every figure is attributed to State Farm, a state insurance regulator, a court filing or the settlement administrator. Where a number comes from a news report quoting a State Farm spokesperson, we say so. Figures are current as of September 26, 2026.
On This Page
The Short Answer: Three Payouts, Three Very Different Numbers
| Payout | Who gets it | How much | What you do |
|---|---|---|---|
| The $5 billion auto dividend | State Farm Mutual auto customers with a 2025 policy | About $100 per car on average, 4% to 10% of your 2025 premium | Nothing. It comes as an email link or a mailed check |
| Class action settlements | People covered by one specific lawsuit, usually in one state | $20.50 to about $625 per claim in the 2026 auto cases | File a claim form before the deadline. Only one auto case is still open |
| Injury claims | People hurt by a driver State Farm insures | No fixed amount. Capped by that driver’s per person limit | Make a claim, document it, negotiate |
If you only need one sentence: the dividend is automatic and averages about $100 a car, the class actions are small and mostly closed, and the only State Farm payout that can reach five or six figures is an injury claim, which nobody sends you automatically.
The $5 Billion Dividend: What It Is and Who Gets It
State Farm Mutual Automobile Insurance Company announced the dividend on February 26, 2026, the same day it reported its 2025 results, and started paying it on July 31, 2026. It is not a lawsuit settlement and it is not a refund for anything State Farm did wrong. State Farm Mutual is a mutual company, which means it has no outside shareholders. When 2025 auto claims came in well under what the premiums had been priced for, the company returned part of the difference to its auto customers as a one time policyholder dividend.
Who qualifies
This is the part where the official descriptions do not quite match, so here is what each source actually says.
- State Farm’s own announcement: auto customers of State Farm Mutual, with each payment based on the premium paid for each qualifying policy in 2025. It covers more than 49 million vehicles.
- A State Farm spokesperson, quoted by NBC Chicago in August 2026: anyone who had a State Farm Mutual private passenger auto policy between January 1 and December 31, 2025 gets a payment, as long as it works out to at least $10.
- State insurance regulators in Washington DC, Georgia, New Hampshire, Oklahoma and Louisiana described the qualifying policies as private passenger auto policies in force on December 31, 2025.
Home, renters, life and other State Farm policies are not part of it. If you left State Farm partway through 2025, do not guess either way: call the dividend line at 1‑888‑808‑9532 or check the portal described below.
How much you get
Your dividend is a percentage of the premium you paid on each qualifying auto policy for 2025. The percentage is set state by state and runs from 4 to 10 percent. State Farm puts the national average at about $100 per insured vehicle. The math is simple enough to check yourself: if you paid $1,800 for a year of coverage on one car in a state paying 8 percent, your dividend is about $144. Two cars on one policy means the premium is bigger, so the check is bigger.
State Farm Dividend by State: Every Published Figure
State Farm has not published a full state list. The figures below are the ones state regulators or a State Farm spokesperson have put on the record. Everyone else sees their own number in the email or on the check.
| State | Share of premium | State total | Average per vehicle |
|---|---|---|---|
| Washington DC | 10% | More than $7 million | About $173 |
| Louisiana | Not published | About $136 million | $138 |
| Georgia | 8% | Nearly $279 million | About $135 |
| Mississippi | Not published | More than $70.5 million | About $124 |
| Oklahoma | 10% | More than $101.5 million, nearly 1 million policyholders | $112 |
| United States | 4% to 10% | $5 billion, 49 million plus vehicles | About $100 |
| Illinois | Not published | Not published | About $88 |
| New Hampshire | 8% | More than $15 million | About $80 |
| Nevada | Not published | Not published | $66 |
Sources: DC Department of Insurance, Securities and Banking (March 4, 2026); Louisiana Insurance Commissioner Tim Temple (August 2026); Georgia Office of Insurance and Safety Fire Commissioner (March 3, 2026); Mississippi Insurance Department (2026); Oklahoma Insurance Department (March 2, 2026); State Farm (February 26, 2026); State Farm spokesperson to NBC Chicago (August 18, 2026); New Hampshire Insurance Department (2026); Nevada Division of Insurance (March 4, 2026). Averages are per insured vehicle, as each source reported them.
Notice what drives the spread. Georgia and New Hampshire both pay 8 percent, yet the average Georgia check is about $135 and the average New Hampshire check about $80, because Georgia drivers pay more for coverage. The percentage your state got matters less than what you paid.
How the Money Reaches You, and How to Spot a Fake
Payments go out in waves, state by state, over several months. There is no claim form. If State Farm has your email address, you get an email from donotreply@e.sfdividend.com with a unique ID and PIN. You use those at SFDividend.com, a portal run for State Farm by the payment administrator Verita, to pick how you want to be paid: Zelle, Venmo, PayPal or a paper check. If State Farm has no email for you, a check is mailed automatically.
By mid August 2026, State Farm said more than 7.2 million checks had already gone out, with another 3.8 million mailing that week. The New Hampshire Insurance Department says State Farm expects the digital payments to continue through the fall, with the last paper checks mailed by the end of 2026. The dividend line is 1‑888‑808‑9532.
A $5 billion payout with an email link is a gift to scammers, and fake versions started circulating as soon as the real ones did. Treat any of these as a red flag:
- A text message or phone call about your dividend. The real notice is an email or a mailed check.
- Any fee to release your payment. State Farm does not charge one.
- A request for a password, whether for your bank, your email, your digital wallet or your State Farm login.
- Urgency, like a payment that will expire today unless you click.
- A sender or link that is almost, but not exactly, sfdividend.com.
When in doubt, do not click the link at all. Type SFDividend.com into your browser yourself, or call the number above.
Is the dividend taxable?
For a personal car, generally not. The dividend is a return of part of the premium you paid, and premiums on a personal car are not deductible, so getting some back is not income under the usual IRS rule for recoveries. It is different if you deducted the premium, for example on a vehicle you use for your business. Then part or all of the refund can be taxable. We are not tax advisers, so check with a tax professional if the car is a business expense.
Why State Farm Can Hand Back $5 Billion
State Farm reported its 2025 results on the same day it announced the dividend. The auto business had a very good year after a very bad one:
- Net income of $12.9 billion across the State Farm group, more than double the $5.3 billion of 2024.
- Net worth of $170 billion at the end of 2025, up from $145 billion.
- Auto earned premiums of $71.3 billion, with an auto underwriting gain of $4.6 billion, a combined ratio of 93.5. In 2024 the same auto business lost $2.7 billion on underwriting.
- Auto rate cuts in 40 states, averaging 10 percent, which State Farm says saves customers $4.6 billion a year.
- Homeowners insurance still lost money. Across all its property and casualty companies, State Farm’s combined underwriting gain was $1.5 billion.
One detail is worth holding on to. The dividend is larger than the entire 2025 auto underwriting profit. If a State Farm adjuster ever implies a fair offer on your injury claim is out of reach, the numbers say otherwise. Our guide to lowball settlement offers covers how to answer one.
Answer a few quick questions and get a free, no signup estimate using the same multiplier method adjusters use. About a minute, no cost.
Get my free case reviewState Farm Class Action Settlements: What Each One Pays
A class action settles one specific complaint for one specific group, usually defined by state, coverage and dates. The table below lists the State Farm settlements with money attached that we could verify from the settlement administrators and court coverage. Open cases are first.
| Case | What it was about | Per claim | Deadline or status |
|---|---|---|---|
| Hardy v. State Farm Mutual Washington, federal court | Diminished value not paid on underinsured motorist property damage claims for crashes from January 13, 2019 to February 27, 2026. The car had to be six years old or newer, under 90,000 miles, with structural damage, deformed sheet metal or at least $1,000 of body work | About $625 (estimate) | Open. File by December 14, 2026. Final hearing October 30, 2026 |
| Chadwick v. State Farm Arkansas, federal court | Total loss values reduced by a “typical negotiation adjustment” in Audatex reports, on claims from November 29, 2016 to October 18, 2021 | About $489 on average (68% of the adjustment taken) | Closed August 19, 2026 |
| Dortch v. State Farm Mutual Alabama, Montgomery County | Total loss payments that left out purchasing fees such as sales tax and title fees, on claims paid from November 7, 2018 to February 10, 2026 | $20.50 flat | Closed July 15, 2026 |
| Schwartz v. State Farm Mutual New Mexico, federal court | Underinsured motorist coverage sold without explaining New Mexico’s offset rule, on policies from 2010 through 2021 | Up to 21% of the premium paid for that coverage (minimum limits) or 13% (higher limits) | Closed July 2, 2026 |
| Pregon v. State Farm Fire and Casualty Missouri, St. Louis County | Labor depreciated on home structural damage payments, for losses from June 5, 2012 to about October 2017 | Based on each claim | Closed April 2, 2026 |
| Niewinski v. State Farm Life | Cost of insurance charges on certain universal and whole life policies issued from 2002 on | Share of a $65 million fund, paid automatically | Paid in 2024 |
| Rogowski v. State Farm Life Missouri, federal court | Cost of insurance charges on universal life policies | Share of a $325 million fund | Approved in 2023 |
Of the settlements we could verify, only the Washington diminished value case is still taking claims as of September 26, 2026. If you had a State Farm underinsured motorist property damage claim in Washington in that window, the official site is washingtonumpdsettlement.com. The other auto cases above have closed, which is why a search for a State Farm class action to join in late 2026 mostly turns up deadlines that have already passed.
The Washington case is also a reminder that diminished value is real money: a car with a crash on its history is worth less even after a perfect repair. Our diminished value claim guide explains how to claim it yourself in every state, with or without a class action.
State Farm Lawsuits With No Money Yet
These cases are in the news and in search results, but none of them has produced a payout per person. Some may never.
Tennessee total loss class: thrown out on appeal
About 90,000 Tennessee policyholders made the same complaint as the Arkansas class above, that the typical negotiation adjustment pushed total loss values down. On April 24, 2026, the full Sixth Circuit Court of Appeals ruled 10 to 7 in Clippinger v. State Farm that the class should never have been certified, because each car’s value depends on its own year, mileage, options and condition. Same practice, same software, two neighboring states: the Arkansas class won a jury verdict in June 2025 and is being paid about $489 a claim, while the Tennessee class got nothing. Tennessee drivers can still bring individual claims.
Oklahoma hail claims: a new state lawsuit
Oklahoma homeowners Billy and Lacy Hursh sued State Farm in May 2025 over a hail damage claim. Attorney General Gentner Drummond tried to join that case with much broader claims about what his office calls a “Hail Focus Initiative” to cut roof replacements. On June 23, 2026 the Oklahoma Supreme Court said he could not expand a private case that way, and on June 24 he filed a separate lawsuit against State Farm Fire and Casualty in Cleveland County District Court seeking restitution, civil penalties and disgorgement. These are allegations, not findings, and there is no settlement or claim process.
California wildfire claims: a regulator’s accusation
On May 4, 2026 the California Department of Insurance filed an accusation against State Farm General over its handling of claims from the January 2025 Los Angeles fires. Examiners found 398 violations in 114 of 220 claims they sampled, plus 34 more from consumer complaints. State Farm General received about 11,300 residential claims from those fires. The penalties the department is seeking, up to $5,000 per violation or $10,000 if willful, would go to the state, not to policyholders. The case goes before an administrative law judge.
California rate refunds: real money, but only for some
This one is not a lawsuit, and it does pay. On July 23, 2026 the California Insurance Commissioner signed the final order in State Farm General’s emergency rate case. Condo owners get back the difference between a 15 percent interim increase and the 5.8 percent that was approved, and rental dwelling owners get back the difference between 38 and 32.8 percent, both with 10 percent interest back to June 1, 2025. Consumer Watchdog, a party to the case, estimates about $35 million for condo owners and $17 million for rental dwelling owners before interest. Regular homeowners policies kept their 17 percent increase and get no refund.
How “Per Person” Is Decided in a Class Action
People expect class action checks to be large because the headline number is large. They almost never are, for three reasons.
- It is usually per claim, not per person. The Washington and Arkansas cases pay on each qualifying claim. Two totaled cars can mean two payments. A household with one small claim gets one small payment.
- Each person’s loss was small to begin with. The Alabama case was about purchasing fees on a totaled car, so $20.50 is close to the actual shortfall. Class actions exist precisely because thousands of small losses are not worth suing over one at a time.
- Formulas, fees and claim rates. Some settlements pay a fixed amount or a formula, like 68 percent of the adjustment State Farm’s own records show in the Arkansas case. Others split a fund among everyone who files, after attorney fees and administration costs, so the fewer people who claim, the bigger each share. In the Arkansas case State Farm agreed to pay the attorney fees separately rather than out of the class fund.
One practical point: automatic payments and claim form settlements work differently. The dividend and the Niewinski life insurance case paid without any action. Most auto cases require a claim form by a hard deadline, and anyone who misses it gets nothing even though they are still bound by the settlement.
“Per Person” in an Injury Claim: The Limit That Caps Your Check
Here is the meaning of “per person” that matters most if you were hurt. When a driver insured by State Farm causes a crash, your injury claim is paid from that driver’s bodily injury liability coverage. That coverage has two limits: one per person and one per accident. A policy written as 30/60 pays up to $30,000 for any one injured person and $60,000 in total for everyone hurt in the crash. That per person number is the ceiling on what State Farm will pay you from that policy, no matter how bad the injury.
| State | Minimum bodily injury limits (per person / per accident) |
|---|---|
| California | $30,000 / $60,000 (doubled from 15/30 in 2025) |
| Texas | $30,000 / $60,000 |
| New York | $25,000 / $50,000 |
| Pennsylvania | $15,000 / $30,000 |
| Florida | None required for most drivers (only $10,000 PIP and $10,000 property damage) |
Minimums are the floor, and plenty of drivers carry more. The full state list is in our bodily injury settlement guide. When the injury is worth more than the limit, the rest usually comes from your own underinsured motorist coverage, covered in our uninsured motorist claims guide, or from another party such as an employer.
Within the limit, what State Farm actually pays depends on your injury, treatment and evidence. The industry average bodily injury liability claim was $28,278 in 2024, according to the Insurance Information Institute using ISO data. The ranges we see in State Farm cases run from roughly $12,000 to $30,000 for soft tissue injuries to $100,000 to $500,000 or more for a herniated disc that needs surgery, and first offers commonly start at 1.5 to 2 times the medical bills. The detail is in our guides to State Farm pain and suffering settlements and how State Farm settles injury claims.
Two things do not change your injury claim at all. Receiving the dividend does not, because it is simply part of your own premium coming back. Being part of a class action about a totaled car or a fee usually does not either, because class releases cover the claims described in that case. If you got a class notice, read its release section to be sure, and do not sign anything from the at fault driver’s insurer about your injuries until you know what the claim is worth.
Find out what your injury claim is worth, free in about a minute
How to Check Whether State Farm Owes You Money
- The dividend. Search your inbox, including spam, for donotreply@e.sfdividend.com. Make sure State Farm has your current mailing address, since checks go to the address on file. If nothing has arrived by the end of 2026, call 1‑888‑808‑9532.
- A class action. Real notices come from the court appointed administrator and point to one official settlement website. Check the deadline on that site, and never pay anyone to file a claim for you.
- An old check you never cashed. Uncashed settlement and insurance checks eventually go to the state as unclaimed property. Search your name on MissingMoney.com, the free national search endorsed by the National Association of Unclaimed Property Administrators.
- An injury claim. Nobody mails this one to you. Report the crash, see a doctor, keep every bill, and ask the adjuster in writing what the driver’s bodily injury limits are. Some states require insurers to disclose them, and a lawyer can usually get them quickly.
Frequently Asked Questions
How much is the State Farm dividend per person?
About $100 per insured vehicle on average, according to State Farm. Each payment is 4 to 10 percent of the premium you paid on each qualifying auto policy for 2025, with the percentage set by state. Published state averages range from $66 in Nevada to about $173 in Washington DC, with Louisiana at $138, Georgia about $135 and Oklahoma $112. A household with two cars on one policy gets more because the premium is higher.
Who qualifies for the State Farm dividend?
State Farm Mutual private passenger auto customers with a 2025 policy. A State Farm spokesperson told NBC Chicago that anyone with a policy between January 1 and December 31, 2025 gets a payment if it works out to at least $10, while several state regulators described the qualifying policies as those in force on December 31, 2025. Home, renters and life policies are not included. If you left State Farm during 2025, call the dividend line at 1-888-808-9532.
Is the State Farm dividend email or check a scam?
The dividend is real, but fake versions exist. The genuine email comes from donotreply@e.sfdividend.com with a unique ID and PIN for the SFDividend.com portal, and customers without an email on file get a check in the mail. State Farm does not charge a fee, ask for passwords, or notify people about the dividend by text or phone call. If unsure, type SFDividend.com into your browser yourself or call 1-888-808-9532.
Is the State Farm dividend taxable?
For a personal car, generally no. The dividend returns part of a premium that was not tax deductible, so under the usual IRS rule for recoveries it is not income. If you deducted the premium, for example on a vehicle used for business, part or all of the refund can be taxable. Ask a tax professional if the car is a business expense.
Is there a State Farm class action I can still file a claim in?
Of the State Farm settlements verified as of September 26, 2026, only one auto case is still open: Hardy v. State Farm Mutual in Washington, for underinsured motorist property damage claims on crashes from January 13, 2019 to February 27, 2026. It pays an estimated $625 per claim and the deadline is December 14, 2026. The Arkansas, Alabama, New Mexico and Missouri settlements closed earlier in 2026.
How much does State Farm pay per person in a car accident injury claim?
There is no fixed amount. State Farm pays from the at fault driver's bodily injury liability coverage, and the per person limit on that policy is the ceiling, for example $30,000 on a 30/60 policy. Within that limit, the amount depends on the injury, treatment and evidence. The average bodily injury liability claim across all insurers was $28,278 in 2024, according to the Insurance Information Institute. Serious injuries can exceed the limit, and then your own underinsured motorist coverage matters.
Does the State Farm dividend affect my injury claim?
No. The dividend is part of your own 2025 premium coming back to you as a State Farm customer. It has nothing to do with an injury claim against a State Farm driver, and cashing the check does not release or reduce any claim. Class action settlements about total loss values or fees also do not usually cover injuries, but read the release section of any class notice to be sure.
The Bottom Line
The State Farm payout per person depends entirely on which payout you mean. The dividend is real, automatic and small, about $100 a car, and the only thing you can do wrong is fall for a fake version of it. The class actions pay a set amount per claim, from $20.50 to about $625 in the 2026 auto cases, and all but one of them have closed. An injury claim is different in kind: there is no average check and no deadline reminder, just a per person limit on the other driver’s policy and whatever you can prove underneath it.
If a State Farm driver hurt you, that last one is the only State Farm payout that can matter to your finances. Get it valued before you talk numbers with anyone.