Choosing an auto insurance company can be tough: rates fluctuate by driving history, location, and age, and insurers offer a variety of perks. State Farm and Farmers are two of America's most popular insurance companies, selling high-quality insurance policies in most regions.
To simplify the comparison process, we've gathered average rates from Farmers and State Farm. These take into consideration myriad rating factors, including credit quality, driving history, and age. Examine these figures and find the right policy for you.
If you have extremely bad credit, Farmers could be the way to go. Typically, Farmers offers more affordable rates than State Farm for drivers with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800-plus — should lean toward State Farm, which typically beats Farmers by $94 per year. View average insurance rates by credit level for Farmers and State Farm below.
|Credit level||State Farm avg. annual premium||Farmers avg. annual premium|
|Very Poor (300-579)||$3,522||$2,633|
|Very Good (740-799)||$1,451||$1,459|
If you're saddled with an at-fault crash, speeding violation, reckless driving citation, or DUI offense on your driving résumé, Farmers could be a better choice than State Farm. Every auto insurance company prices its policies differently, so it's worth comparing quotes to find out which insurer is best for you.
|Infraction||State Farm avg. annual premium||Farmers avg. annual premium|
|At-fault accident (damage < $1,000)||$2,849||$2,334|
|At-fault accident (damage > $1,000)||$1,524||$1,699|
Insurance companies rely on age to estimate risk, pricing policies accordingly. A car insurance policy is usually expensive for teen drivers — because of their inexperience — and relatively affordable for middle-aged drivers. Since every insurance company evaluates age tiers differently, it's smart to shop around and find a great rate.
As a general rule, teen drivers should choose State Farm over Farmers: STATE FARM offers average yearly savings of $698, compared to Farmers.
|Age||State Farm avg. annual premium||Farmers avg. annual premium|
Finances aside, State Farm and Farmers each come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||State Farm||Farmers|
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|Student Away at School|
|Affinity Membership Alum|
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|eSign or ePay|
|Ratings Comparison||State Farm||Farmers|
|JD Power Rankings||Above average||Below average|
|Other Products||State Farm||Farmers|
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|Other Features||State Farm||Farmers|
|About||Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs.||Farmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service.|
|Roadside Assistance||State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services.||Farmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.|
|Additional Discounts||State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.||Farmers offers an additional discount for seniors.|
|Recent Questions||Should I file a claim through State Farm?|
These kinds of situations are going to depend greatly on your current finances and insurance premiums. If you've previously had a clean record, an accident will typically increase your rates by about 20 to 30%.Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.See More Questions
|Should senior citizens carry collision insurance?|
Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most cases.Will PIP pay for my medical bills?
Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible.Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.See More Questions
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