State Farm® Insurance Agent Emmanuel Ekop

"I am extremely disappointed with my experience.

After receiving a quote, I was charged for the policy. However, when the actual policy documents were issued, the premium had increased by approximately 40% from the quoted price. Because the policy was significantly different from what I had agreed to, I immediately declined it and requested a refund.

More than two weeks later, I am still waiting for my money to be returned. I find it unacceptable that a company can process a charge immediately but take weeks to issue a refund after a customer declines a policy due to a substantial price increase.

The lack of transparency regarding the final premium and the delay in returning my funds have made this a very frustrating experience. I hope this feedback encourages improvements in both the quoting process and customer service.

Update: 6/26/2026

I am still waiting for my refund more than a month later, despite multiple follow-ups.

While State Farm’s corporate refund process has been extremely slow and inefficient in my case, I am equally disappointed with the lack of transparency from the agent. I was charged immediately based on a quoted premium, even though the agent knew the final premium could be significantly different. When the actual policy was issued, the premium had increased by approximately 40%, making it substantially different from what I had agreed to. I declined the policy immediately and requested a refund.
Customers should not be charged based on an estimate if there is a possibility that the final premium will be materially higher. At the very least, customers should be clearly informed of this risk before their payment is processed.
After more than a month of waiting for my money to be returned, I cannot recommend this experience. I hope State Farm improves both the transparency of its quoting process and the efficiency of its refund procedures so future customers do not have to go through the same ordeal."

"EK was absolutely amazing. She talked me through everything perfectly."

"Darlene was very helpful in helping find the insurance coverage that matches the requirements on my lease. Everything was well explained and I received a quote within minutes."

"As first-time homebuyers shopping for home insurance, we had a great experience working with Emmanuel. At first, we were planning to go with another company, but after hearing from friends who recommended State Farm, we decided to get a quote. We’re so glad we did!

Emmanuel was very professional, responsive, and understanding throughout the process. We were coming down to the wire with our closing date approaching quickly, and he worked fast to help us find the best coverage for the price we were comfortable with. In the end, we chose State Farm because it offered the best coverage for the value, and Emmanuel made the decision simple and stress-free—even under a tight timeline.

Highly recommend!"

"Everyone here was professional, kind, and efficient. I enjoy working with these agents!"

"I had a great first meeting with Emmanuel. He was a very polite and took the time to explain in detail every piece of information. He also answered all questions. Being new to having my own insurance policies he made it very easy for me to understand."

"Emmanuel has been amazing in helping me get all of my insurance policies together. He is always getting me the best prices for my needs. He has gone above and beyond with his professionalism and customer service."

"I had a great experience working with Ekemini! She helped me transfer my car insurance policy quickly and effortlessly. The process was smooth and straightforward, and Ekemini was prompt and helpful throughout. Highly recommend her if you're looking for someone who makes insurance transitions easy!"

"I spoke with Ekemini, who was very professional and knowledgeable. She was able to help me obtain the insurance coverage I needed quickly and efficiently, and made sure I had everything I needed before ending the call."

"Emmanuel was very helpful and advised us as if we were his own family. He was very friendly and knowledgeable about different options. Overall a great experience!"

"Incredible service! Darlene and the rest of the team are always extremely nice and willing to help out with all of my needs. Over the years I have made many changes to my renters insurance policy due to apartment requirements and moves. They are always willing to work with me and sort out any confusion with kindness."

"I never thought I'd see the day where I was writing a five star review of an insurance company, but today is that day. Emmanuel is a delight to work with -- he has proactively found ways to save me money with better rates, as well as get me more bang for the buck. He is patient, answers questions, and has an excellent sense of humor! I am very pleased to give him my business."

"Ms. Darlene is such an amazing person! I love being with State Farm they make the whole insurance process so easy. Helping me save as much as possible, answering any questions or concerns I have, and just always going above and beyond for me. I am very thankful, I’d recommend everyone to come get Insurance with Ms. Darlene & Mr. Emmanuel because they are truly the best at what they do!"

"Very pleasant and helpful, and offering an excellent rate. Personal touch is always very much appreciated."

"Emmanuel provided excellent cost-saving service both for renewal of my homeowners insurance and a new auto policy. He was patient and thorough, a pleasure to deal with."

"Emmanuel was hands down the most helpful insurance person I've ever worked with. Our premiums went up at a different company, and within 2 days Emmanuel had helped us craft a perfect new policy with State Farm, and put it into effect, all while maintaining a calm, understanding, and friendly environment where we felt comfortable asking questions. He always followed up via email/phone call, and was so professional. He clearly is fantastic at his job!"

"Working with Emmanuel, Darlene, and Ekemini is always an amazing experience. As a realtor, they are always aiming to save my clients the most money while ensuring they have the best coverage. Emmanuel and his team was able to save my client $100s on her premium and she was truly blessed as it positively impacted her payment and closing costs. Savings on Savings! I highly recommended for all of your insurance, home or auto needs!"

"Exceptional Fast service some of the best service I have receive friendly and informative would recommend them to anyone"

"Darlene and EK were very prompt and helpful in helping me get car insurance. Very helpful and patient and great customer service!"

"Responsive front office (hard to find in Durham) and efficient back office. I'm a satisfied customer with this agency! My first time with State Farm, so we'll see how they do as a company."

"In the modern age where most of the work happens on-line, it is a delight to get a call from Ekemini to answer questions and finish the process."

"EK was informative and responsive. She walked me through options and details to get the policy I needed. I certainly will work with her for future needs."

"EK was fantastic and very helpful with our switch over the Statefarm. The service was kind and professional, and not in the slightest bit did we feel pressure to choose anything specific. 10/10"

"Ekemini was absolutely amazing!! She made the transition to State Farm easy and seamless and I am forever grateful!! I highly recommend!!!"

"Ekemini was so friendly, helpful, got me great rates, and laughed at my jokes. I really appreciate the service today, EK!"