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Our customers are the center of our universe and we’re grateful for them. If you’re willing to share your experience about your interaction with our agency, it’ll be a great help for other people looking to make smart and confident decisions about their insurance and financial services.


Take 60 seconds (or more if you want) to share your story by clicking on one of the review links below.

What our customers say about us...

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Jeff Diaz

September 5, 2025

5  out of  5
rating by Jeff Diaz
"I Love Carmel and her team ! am New to Carmels office and have experienced outstanding customer service. Everyone in the office is exceptionally kind, knowledgeable and professional."
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Bob Plantz

August 29, 2025

5  out of  5
rating by Bob Plantz
"Nicole Urdiales from Carmel Curiel Larios' office called me this morning to let me know that they hadn't received the certificate of my completion of the AARP Mature Driver Improvement Course. I've been taking the course for many years, which gives me a discount on my auto insurance. It needs to be taken every three years, and she was concerned that I didn't do it this time. I had completed the course and apparently sent a copy to the wrong email address. I've been with State Farm since the 1960s. I had the same agent in Berkeley until changing to an agent in Sonoma County a few years ago. Than agent retired and my account was moved to Carmel Curiel Larios' office. The previous two were good, but they're by far the most attentive to my insurance policies. Thank you for keeping track of my policies, Nicole!"
We responded:
"Thank you very much Bob for sharing your experience with us. We are truly pleased to hear that Nicole and the Carmel Curiel Larios team have been attentive and supportive in managing your insurance needs. Nicole’s prompt follow-up regarding your AARP Mature Driver Improvement Course certificate reflects our commitment to providing exceptional service and ensuring you receive the benefits you deserve. We deeply appreciate your loyalty to State Farm since the 1960s and are honored to continue serving you. Please feel free to contact us anytime should you require further assistance. Thank you again for your thoughtful and encouraging feedback."
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AramayicArt

August 19, 2025

5  out of  5
rating by AramayicArt
"Nichole was friendly toned and quickly transferred me to Jenny Flores. Jenny flores was bright, intellegent, softly humorous at appropriate times, she read the room well, gave efficient information in an understandable manner slowing down the density of information and breaking it down in laymen's terms. I am grateful to have had the pleasure of good customer care. Thank you for hiring people who make people feel like they matter as a whole person and aren't offended by the truth. Ps the questions below asking about whether i decided to go with state farm don't give the option for assessing other companies to price check. I didn't get full coverage today so didn't pay out any money...I can say the price I was quoted is in line with my current insurance company. Though this company offers towing to nearest...spots..for a dollar and a quarter more a month roughly which my company does not. But they do offer other things I appreciate and utilize yearly. ♥ ty for everything Jenny Flores! Your a great customer service rep and need a raise because you are a genuine diamond of the first water!"
We responded:
"Thank you so much for your thoughtful and detailed feedback! We're thrilled to hear that Nichole and Jenny provided you with such attentive and clear service. Your kind words mean a lot to us, and we'll be sure to share them with the team. We appreciate your insights regarding our survey questions as well. Thanks again for choosing us and for recognizing our team's dedication!"
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benjamin kane

August 13, 2025

5  out of  5
rating by benjamin kane
"I’ve been with State Farm for almost 20 years and like a good neighbor State Farm is there, in khakis."
We responded:
"Thank you, Benjamin. For being a loyal neighbor for nearly 20 years! We’re proud to serve you—in classic khakis, of course—and appreciate your trust in our team for your auto insurance needs. In honor of Good Neighbor Awareness Month, feel free to stop by and say hello; you’ll find us sporting our finest khakis every Friday in September!"
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Anthony Wilson

August 2, 2025

5  out of  5
rating by Anthony Wilson
"This office has the best staff - knowledgeable and professional, especially Nicole!"
We responded:
"Thank you, Anthony. For your kind words! We’re proud to have a knowledgeable and professional team, and Nicole truly appreciates your recognition. We are here to provide a remarkable experience for our customers. "
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j Brennan

July 25, 2025

5  out of  5
rating by j Brennan
"Thanks Nicole for such great service. Carmel is lucky to have such a great customer service team member. Nicole is always checking in throughout the year making sure everything is going well and if she can help me with any issues. Great job!"
We responded:
"Thank you, J. so much for your wonderful feedback—Nicole is dedicated to providing excellent service, and we’re grateful to have her on our team! We are always her ready and willing to help. "
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Annette Richards

July 15, 2025

5  out of  5
rating by Annette Richards
"Nicole is always very helpful and polite! It’s a pleasure doing business with her!"
We responded:
"Thank you Annette, so much for your kind words—Nicole truly appreciates your feedback and we look forward to assisting you again. It's customers like yourself that make our day! "
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Jennifer Foege

July 14, 2025

1  out of  5
rating by Jennifer Foege
"Awful experience. They have ZERO communication between each other. Every time I called I had to explain who I was and why I was calling. Even then my questions were ignored, as someone else was responsible - then nothing. No call no email. Also, they were rude! I have never met nor been able to access the branch manager, Carmen. I have been with State Farm since for 35 years. All of my agents were great. Kathy Crim was my agent for the past 13 years. She was a gem, she knew who you were, what you needed and was always always available and her staff was wonderful. Unfortunately for all of us, she retired. I will be looking for another agent."
We responded:
"Jennifer, thank you for taking the time to share your feedback, and I sincerely apologize for the frustration and disappointment you experienced with our agency. I recently tried to reach you by phone and left a detailed message, as I would appreciate the opportunity to discuss your experience with my office and team directly. We understand how important clear communication and personalized service are, especially given your many years with State Farm and the exceptional service you received from Kathy Crim. To help provide continuity, I hired one of Kathy’s team members so her customers would have a familiar point of contact, and I am currently serving as the agent for her clients until State Farm finds a permanent replacement. Please know that your concerns about communication and staff interactions are being taken very seriously, and we are reviewing our processes to improve moving forward. If you are open to it, I would welcome the chance to speak further and work towards a resolution; please feel free to contact me directly at 707-755-5450, or let us know the best way to reach you. Thank you again for your valuable feedback and for your many years as a valued State Farm customer—we wish you all the best, whatever you decide."
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Tsukidoll

July 14, 2025

5  out of  5
rating by Tsukidoll
"Nicole is always helpful and polite. I’m always kept up to date about what is happening with my policy. I’m very happy with my insurance policy."
We responded:
"Thank you so much for your kind words and wonderful review! We’re thrilled to hear that Nicole has been helpful and that you feel well-informed and happy with your policy. Your satisfaction is our top priority, and we truly appreciate your trust in us. If you ever need anything, please don’t hesitate to reach out!"
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Curt King

July 7, 2025

1  out of  5
rating by Curt King
"Most horrible experience I ever had with State Farm!! I been a member for over 10yrs with home, life, and auto insurance. My auto insurance policy was canceled without any notification from my agent. I made multiple payments within a month thinking maybe it didn't go through and was reassured by Erica that my auto is fine, and so to double check I called and asked again before a family road trip because I didn't see coverage on my app, and was reassured a 2nd time by Erica my auto was fine. Fast forward a month later the auto still doesn't appear on my app so I called in today to find out it's not active and been canceled. The level of how furious this makes me is through the roof knowing I jeopardized my family on a trip being misguided twice by this agency. The lack of communication and still no notification from the office indicating my insurance was canceled. The branch manager Carmen is never available for you to speak with. I wouldn't waste my time here if you're looking for a good branch. This location will not no longer have my business. I worked with Kathy Crim for years and her service was phenomenal but she had since retired. Best of luck and hope this help someone make a wise decision before selecting a office to work with. Literally the first negative review I ever left for a business.. not my usual thing but I am pretty hot over this."
We responded:
"Dear Curt, Thank you for sharing your feedback with us. We sincerely apologize for the frustration and confusion you experienced regarding your auto policy, and we understand how concerning this situation must have been for you and your family. After reviewing your account, we noted that our team, including Erika, worked to address your inquiries and provide reassurance with the information available at the time. We also understand there may have been a miscommunication during your subsequent conversation with another team member regarding your request to reinstate your policy. Please be assured that our cancellation process includes both a mailed notice and a courtesy phone call, and policies remain active when payments are made on time. We regret that our communication did not fully meet your expectations. Your feedback is extremely important to us and will help us improve our processes moving forward. We value your longstanding relationship with us and would welcome the opportunity to discuss your concerns further to reach a resolution. Please feel free to contact me directly at 707-755-5450 at your convenience. Thank you again for bringing this matter to our attention; we remain committed to supporting you in any way we can. Sincerely, Carmel Curiel Larios"
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Emily Owens

June 30, 2025

5  out of  5
rating by Emily Owens
"Nicole at State Farm is on top of it! Knowledgeable, friendly, and represents Carmel’s team beautifully! Thank you for all your help😊"
We responded:
"Thank you, Emily for your kind words! We’re thrilled to hear Nicole provided you with such great service. We truly appreciate your feedback and are always here to help! 😊"
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Franklin Guillermo

June 2, 2025

5  out of  5
rating by Franklin Guillermo
"Nicole has always been very professional and helpful. When I need assistance based on my insurance coverage. I appreciate her customer service thank you, Nicole for all the great customer service for State Farm."
We responded:
"Franklin, Thank you so much for your kind words about Nicole and her customer service! I’m grateful for the opportunity to assist you and truly appreciate your trust in our State Farm office. We look forward to continuing to provide you with excellent service!"
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Karen Shaw

May 27, 2025

1  out of  5
rating by Karen Shaw
"My account got transferred from my longtime agent, Kathy Crim in December. The debit card used for my auto pay was stolen and I forgot to update with the new one until today. I called my agent, was transferred to this agency and told my policy transferred when Kathy retired. Kathy’s office would call if something happened with my payment and I would update and be grateful for that service. These guys cancelled my insurance, no call, despite the person on the phone saying they are required to before canceling a policy. A new policy had to be written and not go into effect for three days and will cost me considerably more than my last policy. The person that helped me was kind and efficient, but there is no acceptable reason for this to have happened. I’ve been with State Farm for over 30 years and this agency just lost that business."
We responded:
"Karen, I'm truly sorry to hear about your experience and understand how frustrating and upsetting this situation must be, especially given your long-standing relationship with State Farm. While I’m glad to hear the person you spoke with was kind and efficient, it’s clear that the lack of notification and the resulting policy cancellation caused significant inconvenience. Your loyalty over the past 30 years is deeply valued, and know this feedback is taken seriously to ensure better communication and service in the future. If there’s any way I can assist further, please don’t hesitate to let me know."
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Staci Harriger

May 7, 2025

5  out of  5
rating by Staci Harriger
""I had a great experience, hands down one of the best with Nicole Urdiales. She was incredibly helpful in explaining all my options with a policy that fits my needs and budget. She was extremely patient, answered all my questions thoroughly, and made the whole process easy to understand. I highly recommend Nicole to anyone looking for insurance!""
We responded:
"That's awesome Staci! Thank you for sharing your excellent experience with Nicole. We're so glad she was incredibly helpful, patient, and made the process easy for you. We appreciate your high recommendation."
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J __

April 28, 2025

5  out of  5
rating by J __
"Christina's knowledge of coverage helped me understand what coverage is best for us. I appreciate her help. I recall that last year, at 3:45 p.m. on a Friday, I called the Carmel office, and she picked up. I asked if she could email me some invoices from over the past years. Without a problem, she started sending those to me."
We responded:
"We are thrilled to hear about your positive experience with Christina, her knowledge and dedication even on a Friday evening defiantly shines. Thank you for recognizing her efforts and for being a valued customer."
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Nevaeh Urdiales

April 16, 2025

5  out of  5
rating by Nevaeh Urdiales
"Nicole helped me find the perfect insurance that suited my lifestyle. she listened to everything i wanted and guided me to the right policy. i would highly recommend!"
We responded:
"Thank you so much for your kind words! I am happy to hear that Nicole was able to assist you in finding the perfect insurance policy to match your lifestyle. I’m glad to hear that you felt heard and guided throughout the process. Your recommendation means a lot to us, and we are always here if you have any questions or need further assistance in the future!"
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matt husted

April 7, 2025

5  out of  5
rating by matt husted
"Nicole was very helpful and informative!!"
We responded:
"Matt, Thank you for your 5 stars and your kind words! We're thrilled to hear that Nicole was able to assist you and provide the information you needed. We strive to provide excellent service, and it's always rewarding to hear such positive feedback. If you have any more questions or need further assistance, don't hesitate to reach out!"
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Vanessa Harris

March 21, 2025

5  out of  5
rating by Vanessa Harris
"Nicole is the best ever!!! She’s my go to girl and always helps me out with everything with urgency and efficiency. I know I can count on her for anything! Thank you Nicole! ❤️"
We responded:
"Thank you, Vanessa! We are proud to have Nicole on our team, and we are happy that she is providing you with such great service. Let us know how we can assist you in the future."
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Jane Price-Ekbatani

March 13, 2025

1  out of  5
rating by Jane Price-Ekbatani
"Update: I was given misinformation by Carmel Curiel Larios! I have transferred to another State Farm Agency who is able to put together a plan that will fit the criteria for the Cal Fair Plan for our property. But not before I was told she would not transfer any clients that were assigned to her from Kathy Crim's Agency! I was outraged. This was unacceptable. I had to challenge her refusal to help so I called another SF Agency, Eddie Sandoval who was extremely helpful. Carmel is unaware of options that she can do to help State Farm clients. This is ignorance on her part and perhaps she should get a better handle on how insurance works and take some more training. As a 50 year client at SF I have run into this misinformation problem with another State Farm Agency in Santa Rosa that took over our previous SF Insurance Agent, Robin Bullard, who also retired several years ago. I consider it malpractice to be so misinformed of the options SF offers and to just be turned away with no options. Carmel needs to be trained better to help her clients. Not all State Farm Agents are at the same level of competence. I highly recommend Eddie Sandoval's Agency and he is very involved in our community. He is willing to work to find answers for his clients. I remembered Eddie Sandoval was very helpful after the wildfires volunteering his time to educate and help the Wildfire Victims regardless of who their Agency was. Like a good neighbor, Eddie Sandoval was there! I am very grateful. ************* I'm very unhappy with the lack of service from this Agency. Carmel never called me back when I requested her to and then made a wrong assumption on our home value without talking to me. Our previous Agent, Kathy Crim, retired and we were assigned to Carmel Curiel Larios. She made no attempt to help us and used incorrect information to refuse to process the California Fair Plan for us. We're 50 year clients and this is how we're treated by her Agency. Our previous Agent said she'd help us with the Cal Fair coverage but she just retired. Makes me think Carmel was just not willing to do the work! I'm looking for a new SF Insurance Agent in Santa Rosa. She showed no consideration for how stressful it is to be told your home insurance will not be renewed! I don't recommend her Agency."
We responded:
"Jane, I’m sorry to hear you are upset about your homeowner’s coverage. My team did not assume the value of your home, this data came from your previous agent however we only recalculated it with that same information. It’s not that we do not want to do the work. We are not able to do it, due to coverage maximum limits with the Fair Plan. My team member has spoken with you advising you with what is in your best interested per your current insurance situation with your home. Please give us a call if you’d like to discuss this further. Thank you, Carmel "
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M V

March 5, 2025

5  out of  5
rating by M V
"Great staff, friendly and professional service! This office never dissapoints. Highly recommend for all your insurance needs!"
We responded:
"MV, Thank you so much for your wonderful review! We're delighted to hear that our staff provided friendly and professional service and that we've consistently met your expectations. Your recommendation means a lot to us. If you ever need any further assistance with your insurance needs, please don't hesitate to reach out. We're always here to help!"
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Lia Boscolo

March 1, 2025

5  out of  5
rating by Lia Boscolo
"Nicole is great. She has helped me a lot."
We responded:
"That's great to hear Lia. We are so glad to know that you had a positive experience working with Nicole. Thank you for your kind words and 5 star review. "
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Lucho Bolivar

February 13, 2025

5  out of  5
rating by Lucho Bolivar
"Working with Nicole Was like working with an Angel that god put in my path. She’s amazing and full of awesomeness."
We responded:
"Dear Lucho Bolivar, Thank you so much for your heartfelt feedback about Nicole. We are thrilled to hear that your experience working with her was so positive. Nicole truly embodies the qualities of dedication and excellence, and it’s wonderful to know that her efforts have made such a significant impact on your experience."
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Faviola Ortiz

February 7, 2025

5  out of  5
rating by Faviola Ortiz
"I have been working with Nicole Urdiales since the start of my policy, and she has been absolutely amazing. Nicole has been incredibly attentive and helpful, making the switch to State Farm Insurance seamless. She has gone above and beyond to assist me and my family in finding the perfect policy that meets our needs and stays within our budget. Nicole is truly a godsend, and I highly recommend her service."
We responded:
"Faviola, thank you for your 5-star review and recognition for Nicole! I’m so glad to hear she could assist you with a great policy that meets your family’s needs. Please let us know if we can assist you with anything in the future. "
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Daniel Sandra Hughes

January 27, 2025

5  out of  5
rating by Daniel Sandra Hughes
"My family and I recently moved to California and we have been researching the right place to go for auto/life insurance. After going to a few other companies, I came across this office and decided to go in and ask some questions. I am very glad I did. I was greeted by friendly staff, unlike the other places I had gone. Jenny answered all the questions I had and helped me get the auto/life bundle I was looking for. GREAT PLACE, GOOD ATMOSPHERE, and GREAT HELP! If i could give more stars I would!!"
We responded:
"Welcome to California! Thank you for choosing Carmel Curiel Larios State Farm for your insurance needs. We’re grateful to be able to assist you!"
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Cris Eggers

January 22, 2025

5  out of  5
rating by Cris Eggers
"State Farm staff at this location are attentive, helpful, and make sure that my insurance is up to date. If they see a possible savings, they call me and let me know. While all of the staff or competent and helpful, I have had the most interaction with Nicole, whose experience and attention to detail have helped my take advantage of the discounts and benefits of my policies."
We responded:
"Thank you, Cris, for your kind words and recognition for our team, especially Nicole! We’re grateful to assist you with your insurance needs. "