# State — user reviews > 65 indexed App Store user reviews of State by IAG New Zealand Limited, rated 4.50/5 from 4 ratings. - Source: https://appshunter.io/ios/app/state/id995079326/reviews - App overview in markdown: https://appshunter.io/ios/app/state/id995079326.md - Rating breakdown: 5★ 3 · 4★ 0 · 3★ 1 · 2★ 0 · 1★ 0 ## Newest reviews (16 of 65) ### 2/5 — ‘Upgrade’ cut me out of app *2026-05-14, version 10.9.0* The app was ‘upgraded’. You now require a fancier phone to access it! I’m cut out… ### 2/5 — Not that useful *2025-11-17, version 10.7.0* Still need to contact State Insurance to make any changes, which wastes my time, is confusing and impractical. Catch up with the times please ### 2/5 — Reviewing current policy *2024-12-05, version 9.8.0* Can only view 2 of the 4 pages ### 1/5 — New addresses not found in app *2024-05-15, version 9.1.2* Tried to add car insurance couldn’t because my new address did show up on address finder, no options to manually add. Phone to get added, and app and website don’t talk so now new car policy document later not showing up on app. User experience very poor ### 1/5 — Issues *2024-04-25, version 9.1.2* Can’t edit the drivers on my car policy through the app or locate link to policy wording anywhere. Get it sorted. ### 1/5 — Car Insurance *2024-04-04, version 9.0.0* I have been with State many years, however trying to update amount insured and excess, has, to date, taken me 4 phone calls (fortunately the last was brief), and I’m assured that my requested actions have been taken, policy updated, and premium has been received. However this does not reflect on my online policy - surely this is where one would check that insurance is up to date! And paid! (Payment was made over 1 week ago, before due date). I’m told State are ‘migtrating’ to a new system. Not good enough State. All through this exercise you keep sending me emails “how are we doing”. ### 1/5 — Frustrating Experience, Stick to the Browser *2024-03-04, version 8.5.0* "This app is incredibly frustrating to use due to constant logouts and unnecessary password reset prompts, despite knowing my passwords. It's simply easier to access the state insurance website via a browser. Moreover, the lack of support from the email center adds to the frustration. Hoping for improvements soon." ### 1/5 — Ali Alamari *2024-01-19, version 8.4.1* Ali Alamari ### 1/5 — Don’t download *2023-10-30, version 8.2.0* Having issues 2 years straight with it logging out on its own, cannot even access the app now even with login details correct. App is suppose to be convenient but this is just a headache ### 1/5 — Excessive increases in cost *2023-08-09, version 7.4.0* Why has my insurance gone up by 30% ### 1/5 — 😞 *2023-07-09, version 7.3.0* APP keeps logging me out whenever I try to open another page (make payment / view policy) Annoying and time waster. ### 1/5 — Customer Service *2023-06-04, version 7.3.0* Very poor and they increase from 53 to 80 ### 1/5 — Time waiting to speak to someonne *2023-05-31, version 7.3.0* Ridiculous- all i want to di is add my husbands hearing sids to our police no obvious way on line and the phone wsit is rificulous ### 1/5 — Mike Hayes *2023-04-27, version 7.2.0* Has to be the worst service on the planet. Have had a claim in for stolen lap top for months. Have had no redress since a call just after the claim. Very early new year 2023. Have wasted hours on the phone. At times to be told you are in the queue and it’s expected you’ll wait 2hrs. When I fill in your online form to address current claims I go through the whole process to be told we are already dealing with this claim. Yes I damn well know that. BUT WHEN. Tried again to ring. Same answer. You can’t use Gabriel for ever. I have friends with other insurance companies who wait no longer than 10 minutes. Time for a change I think as it is the first claim I have made for many years. Would not recommend State Insurance to my worst enemy. ### 2/5 — Policy wording is not available *2023-02-27, version 7.1.0* Only the policy schedule is available to view but not the policy wording. Why would that be? ### 1/5 — Please fix the login timeout *2022-12-21, version 7.0.3* I am constantly having to log in to the app every time it is updated/times out. As of 22nd the above is not fixed. Downgrading my rating to one star. Will change when it is fixed. ## Most critical reviews (10 lowest-rated) ### 1/5 — Can’t get into app as requires me to buy a new phone. Not good enough. My iPhone is an 8Plus *2026-04-24, version 10.9.0* Why do they upgrade app to only be accepted by IOS17 or higher. This is unacceptable. ### 1/5 — Not easy to pay online *2026-03-31, version 10.10.1* Six attempts at getting emailed security number to login. Ten minute expiry, most were well under that. Number expired reported back, needing re log in etc etc. It took far too long. Payment was easy, once I got there. ### 1/5 — Rubbish *2026-01-29, version 10.8.0* You cannot add a driver on the app .you fill in all the form and then it’s says ring us 😡and then when you ring they have no record of the form and you have to go over it all again 😡 ### 1/5 — worst experience *2025-11-06, version 10.6.1* I've had the worst experience- I've been waiting almost 10 days for my claim, and they still say it's processing ### 1/5 — Fed up with increases *2025-04-16, version 10.0.0* Been a loyal customer along time and have been happy with the way claims have been dealt with but the excessive increase in premiums for certain cars and now homes has eroded my loyalty and subsequently I will be going to market for all our insurances. ### 1/5 — Slow and Hard to login *2025-02-10, version 9.9.0* Just look like a very old app. It keeps logging me out and showing wrong password everytime I try to login. Customer service is unfriendly. It always takes a long time to wait to be able to speak to a real person. ### 1/5 — Useless app *2024-11-29, version 9.7.0* All I need is to access my policy renewal docs, see what I’ve paid monthly and export the document to my accounting system. Not easy! ### 1/5 — Viewing information *2024-09-18, version 9.5.0* It would be better if in your summary section showing the various policies that the monthly or weekly or fortnightly or annual premium paid is also shown. It’s painful going through three screens and scrolling 5 pages to find out each one. ### 1/5 — Transaction history *2024-07-15, version 9.3.0* You can view the payment schedule in the policy docs. Be good to clearly see a payment transaction statement in one place as I can see a total On my bank statement but I have to try and work out what policies were paid in the one transaction. This was confusing as every month I pay $198.91 for 3 policies - today $107.36 went out. When queries with your rep they said $95.18 and $65 were paid today - this doesn’t add up…. Was has actually been paid is $65 for the car and $37 for the Vespa but nothing is showing for the house… This has wasted my time, a phone rep and a chat rep…. ### 1/5 — Maybe one of the worst apps I’ve ever used *2024-06-14, version 9.2.3* Round and round in circles to find or do anything. Log in a million times. Get nowhere and then told to phone. Absolute waste of time ## Most praised reviews (10 highest-rated) ### 5/5 — The app make insurance easy *2026-05-01, version 11.0.0* We changed from a broker to State. The State app makes handling your own insurance so easy. Renewals are simple as is checking insurance cover and printing documents when required. ### 5/5 — Outstanding customer Service *2025-06-09, version 10.1.0* What can I say as a new customer to state my overall experience has been absolutely phenomenal. Very professional customer service from the start . Thank you very much from a very satisfied customer ### 5/5 — Set up car insurance on the way to pick it up *2024-02-28, version 8.5.0* Through the app I was able to set up a car insurance policy for my car on the way to pick it up. It was easy, quick and meant that I was ready to go when I got to the car yard! ### 5/5 — Easy and convenient *2022-06-22, version 6.4.0* Everything I need in the app, and nothing that I don’t. Thanks for keeping it clean, easy to navigate and focusing on what I need. ### 5/5 — Insurance on my phone! *2016-08-04, version 2.6* It's so easy to see my policy at a glance. Like it State ### 4/5 — Simple and easy to navigate *2020-07-09, version 2.41* Super easy to use. Great to see all your policy information , make payments and get roadside assistance. Would have rated higher if the offers feature worked. ### 4/5 — Can’t view policies since updating *2019-11-22, version 2.20* Was working well but can’t view policies since updating. Useless now! It crashes every time when open the policy. ### 3/5 — Policy visibility *2024-04-24, version 9.1.2* Now that a proposed renewal policy is live on app, I cannot see the current active policy. ### 3/5 — The forgotten app *2019-11-27, version 2.20* 11 months since the last update! App does not render correctly on iPhone 11 Pro so menus are inaccessible, making the app pretty much useless. ### 3/5 — It works but lacking *2018-06-18, version 2.10* It works but it lacks in so many areas. To update direct debit the change doesn’t occur in real time so in many cases the payment doesn’t go through from the new account. Southern Cross allows their direct debit to be updated in real time so why the manual entry resulting in 3-5 day lead times? State really do need to get their act together on that basic functionality. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-11.*