State Farm® Insurance Agent Michael Howell

"I had a wonderful experience with Olivia. She was able to get me the insurance I need and at a better coverage and rate!"

"Micheal and Jenn are the best. I have been a customer for years and years and wouldn't consider anywhere else. They have always made sure i was getting the best deal for my money. After the tornado in 2014, Micheal was the first person I seen after we got to our destroyed home. Believe me, you will not be sorry if you chose Micheal Howell State Farm for your insurance needs."

"Absolute BEST insurance agent in North Alabama. Staff is excellent, helpful, and informative."

"I was always skeptical about getting State Farm until I actually did and I have had them for years. They have always came through for me and always have the absolute best prices. I will never change to anyone else."

"Great Insurance Company… Communication is good. Responds quickly.. Awesome work you guys 👍🏽"

"I love Michael Howell and the whole team at his State Farm office. They make paying so easy for me. I just leave a message and they take care of it from there. Great job, guys. Keep up the good work!!"

"I’ve used them for 4 years. They’ve always taken care of me and my family!"

"I have always received excellent service and advice from this office. It is well worth the cost, particularly when you need to use your insurance."

"Best in the business! Michael is amazing and their office staff is top tier!"

"The best! They were able to get me a lower better deal on my auto insurance! Super fast, friendly and answered all my questions without making me feel annoying or rushed!"

"Highly recommend!"

"I’ve had a great experience with Michael Howell. He is always friendly, responsive, and takes the time to explain my coverage and answer any questions and never makes me feel rushed. I highly recommend them!"

"Our claims have always been handled quickly and he and his team have always been responsive to any questions we have."

"Great insurance experience! Olivia was amazing and extremely helpful!!! She made the entire insurance process so easy and took the time to explain all of my coverage options without making me feel pressured. She answered all of my questions, helped me find the best coverage for my needs, and made sure I understood everything before making a decision. It’s clear she genuinely cares about her clients and goes above and beyond to help!"

"Great service! Always available when needed"

"I’ve been a client of Michael Howell since he first opened his doors, and the level of service has always been top-tier. Honest, dependable, and always looking out for you. Highly recommend!"

"Five stars isn't enough! I’ve been with Michael since day one, and he is hands-down the best insurance agent around. Always responsive, incredibly knowledgeable, and truly cares about his clients. Wouldn't trust anyone else!"

"I am giving The Howell Agency a 3 and Statefarm a 000. Approximatley the 1 st of April I recieved a call and was told my insurance had been looked at and The Howell Agency could save me some money. After recieving home owners and car quotes I decided to change back to State Farm. I paid my Home Owners bill and started my policy back the last week of April. Thinking everything was ok life went on. Yesterday May the 21st I get a call and am told my Home Owners was being canceled as of 6/6/2026. Reason being the roof inspection by the underwriter. MY PROBLEM WITH THE HOWELL AGENCY is I should have been told that It may be a good idea to stay with USAA becuase of the age of the roof. INSPECTIONS SHOULD BE PERFORMED BEFORE MONEY IS TAKEN AND POLICIES ARE ISSUED. Everyone wants to make a sale and does not care what happens after a month. This Nafu by State farm and The Howell Agency has now caused me to have to look for new insurance and because I was only insured by State Farm a month is looking to cost me around a $180.00 dollars a month to go back with USAA"

"Michael Howell is an amazing agent! He is easy to talk to and doesn’t mind taking the time to explain your coverages and truly makes his customers feel like they matter. Jennifer, his assistant is always prompt to help and has never missed returning my call or text. I can’t say enough good things about this office. Highly recommend!!!"

"I used to be that guy who said "insurance is insurance"... but until you experience a real tragedy, you might never realize just how valuable and helpful a rock solid agent like MICHAEL AND HIS OUTSTANDING, AMAZING AND TREMENDOUSLY HELPFUL TEAM really are! They were concerned about ME, not my car when I had the worst accident of my life. They are ALWAYS helpful about providing the right coverage for ME. I personally will never leave this agency! So very thankful for them!"

"I’ve never encountered such an unprofessional and irresponsible insurance company. They’ve been putting accidents under my name instead of my brother’s, and now third parties are showing wrecks on my record. One of these accidents happened when I didn’t even have State Farm. When I spoke to Michael Howell, he told me I’d have to fix it myself with the third party even though it was their fault. His employees even claimed they’d reached out to the third party in the past to handle it, but that’s a lie.

To make matters worse, I received a letter in the mail saying my policy was being canceled. One of the accidents that wasn’t mine was listed as a reason for the cancellation. I wouldn’t recommend going to them because when they mess up, it’s your own responsibility to fix it.

This insurance agent was particularly horrible. Since this was their fault for putting the wrong information on my record, it seems like they don’t care to contact the third party to rectify the situation since I’m getting my policy canceled. They have the proof that shows I wasn’t the responsible person for the wrecks, yet they’re not willing to do anything about it. If I could, I would give them zero stars for how unprofessional they were in handling this matter and the little they did to help fix it with the third party.

In Response to StateFarm:

Thank you for responding. I want to clarify that my concern has never been about your office’s professionalism, but about the ongoing impact of inaccurate third-party reporting that originated from an insurance claim not involving me.

I understand that agents cannot directly edit third-party databases, and I also recognize that correcting such records requires a formal dispute process. My frustration stems from the fact that despite internal records being correct, the inaccurate information continues to affect my ability to obtain insurance coverage, which indicates the issue has not yet been fully resolved across all reporting channels.

I am actively taking steps to address the matter with the appropriate reporting agencies. My goal has always been an accurate and complete correction so that my record reflects the facts. I appreciate the time your office has spent reviewing this matter and hope it can be fully resolved soon."

"I worked with Jen today. It’s obvious she puts customers first. Professional, friendly, and genuinely helpful."

"Michael Howell has been out agent for 20+ years. Always there when needed."

"I have had a great relationship with Michael for decades. He and his team are helpful and responsive to emergencies and simple questions."

"I spoke with Jen after a bought a new car to get my policy changed and she was super sweet, informative, and helpful! Adulting sucks, but Jen made this part super easy! 10/10"