State Farm vs Farmers: Which is Better for You?
- The Zebra's pick: State Farm
- State Farm is slightly cheaper and slightly better service ratings than Farmers.
- Your experience with State Farm and Farmers will vary based on individual rating factors.
Learn more about how State Farm and Farmers compare based on your credit score, age and driving history below.
State Farm vs. Farmers: What's the difference?
The Zebra’s choice: State Farm
Both companies perform similarly, but State Farm offers slightly lower rates and a stronger digital experience.
State Farm:
- Cost: $98/month for full coverage
- Customer service: 3.8
- Claims handling: 2
- Digital experience: 4.8
- Trust: 4
- Overall rating: 3.6
State Farm leads with lower rates and a stronger digital experience.
Farmers:
- Cost: $101/month for full coverage
- Customer service: 3.6
- Claims handling: 3
- Digital experience: 3.8
- Trust: 4
- Overall rating: 3.6
Farmers stands out for its claims process and customer support.
State Farm vs. Farmers: rates for high-risk drivers
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.
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RATES BY CITATION: FARMERS VS. STATE FARM
| Citation | 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 |
| DUI/DWI | $3,854 | $3,239 |
| Reckless driving | $2,895 | $4,636 |
| Speeding ticket | $1,983 | $2,045 |
State Farm vs. Farmers: rates by age
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.
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RATES BY AGE: FARMERS VS. STATE FARM
| Age tier | State Farm avg. annual premium | Farmers avg. annual premium |
| Teens | $5,820 | $6,518 |
| 20s | $2,379 | $2,020 |
| 30s | $1,585 | $2,020 |
| 40s | $1,587 | $1,511 |
| 50s | $1,558 | $1,507 |
| 60s | $1,485 | $1,402 |
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.
Compare rates and start saving today!
State Farm vs. Farmers: discount comparison
Below you can see a head-to-head comparison of discount options for auto insurance for both State Farm and Farmers.
In addition to the offers listed above, State Farm may provide an additional discount for vehicles built in 1994 or later, depending on the loss experience of the specific vehicle model.
Telematics options: State Farm vs. Farmers
State Farm and Farmers each has a telematics program. The companies' offerings — Drive Safe & Save and Signal, respectively — share much in common, but one may better suit your specific needs. See more information about each company's mobile app below.Â
State Farm Drive Safe & Save is a good option for safe and low-mileage drivers. The company claims that it can save customers up to 50% on premiums, though these types of savings are most likely to be seen by lower-mileage drivers. The program is available across most of the United States.
Signal is Farmers' telematics option. The company advertises a 5% discount for signing up, with the promise of up to 15% savings for qualifying drivers. The company also offers an additional 10% savings for drivers under the age of 25 who enroll.Â
Unique amongst telematics programs, drivers enrolled in Farmers Signal — with a driving score of at least 80% — are also eligible to win up to $100 in rewards every month. Signal is not available in every state, and further restrictions may be imposed depending on where you live.Â
Zebra Tip: Look into telematics coverage
Each company offers solid usage-based insurance options. Be sure to look into potential benefits and discounts affiliated with telematics before purchasing a policy.Â
Roadside assistance: State Farm vs. Farmers
Find below summaries of the different roadside assistance options available from the companies.
State Farm
State Farm's Emergency Road Service offers the following:
- Mechanical labor at the place of breakdown
- 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
- Locksmith services
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Farmers
Contact Farmers Roadside Service by calling 1-800-435-7764. Farmers covers up to $150 per incident (with special limits in North Carolina, Texas and Virginia). The following services are available:
- Towing
- Battery jump start
- Flat-tire change
- Winching services
- Lock-out services
State Farm vs. Farmers: home insurance
While each company has a huge presence in the car insurance industry, the same is true of homeowners insurance. Both State Farm and Farmers have unique coverage options at different price points. See our comparison to find out which company might be the best fit for your home insurance needs.
State Farm homeowners insurance review
State Farm has a number of solid options for coverage extras, making the company a great option for customers looking for flexible coverage. The company's rates are often more expensive than average. The company suffers from a lack of available homeowners discounts, with just four discount options available currently. State Farm's home insurance policies earn positive ratings from third-party reviewers, and the company ranked fifth overall in The Zebra's Customer Satisfaction Survey. Still, homeowners looking for basic insurance with minimal bells or whistles may want to look elsewhere.
Learn more about State Farm home insurance in our detailed review below.
- The Zebra Customer Satisfaction Survey — 4.4/5: State Farm earned above-average reviews, compared with the top 15 home insurance providers in our study.
- Claims satisfaction (J.D. Power Rating) — Below average: J.D. Power's most recent study rated State Farm as just shy of the industry average for property claims satisfaction.
- Customer satisfaction (J.D. Power Rating) — Above average: State Farm was awarded an above-average rating for customer satisfaction in J.D. Power's Home Insurance Study.
- Financial strength — Excellent: A.M. Best rated State Farm as having excellent financial viability, signaling its ability to pay for claims.
- NAIC Rating — Average: State Farm's home insurance received an average amount of complaints as logged by the National Association of Insurance Commissioners (NAIC).
Farmers homeowners review
Because of its wide selection of policy options and relatively affordable rates, Farmers remains a popular option for homeowners insurance. The company earns somewhat average reviews from various third-party reviewers and consumers and placed 7th overall for homeowners insurance in The Zebra's Customer Satisfaction Survey.
- The Zebra Customer Satisfaction Survey — 4.3/5: Farmers placed 7th overall in The Zebra's homeowners insurance customer survey.Â
- Claims satisfaction (J.D. Power) — Average: J.D. Power's property claims satisfaction study for 2021 gave Farmers an average score of 884 out of 1,000.
- Customer satisfaction — (J.D. Power) — Average: Farmers earned an average score in J.D. Power's study of customer satisfaction.Â
- Financial strength — Excellent: AM Best rates Farmers highly, meaning the company is in good financial shape.
- NAIC Rating — Above Average: Farmers received fewer complaints than did other major homeowners insurance companies.
Which company comes out on top?
Tie
Both State Farm and Farmers have appealing home insurance products. Customers and unbiased third-party sources each gave similar reviews. When shopping for homeowners coverage, take some time to compare quotes, discounts and coverage types to understand which company best fits your unique coverage needs.
State Farm vs. Farmers: home insurance rate comparison
Average annual home insurance rates with State Farm are $1,356. Farmers' average is a bit pricier at $1,455 per year. Both Farmers and State Farm differ in how they underwrite policies, so it's important to consider your quotes may not match these exactly when looking for coverage.
As with auto insurance rates, homeowners insurance prices can vary based on certain factors. Companies use your insurance history, along with historical data relating to your location, when putting together your quotes.
The insurer with the cheapest home insurance rates is State Farm at $113 per month, slightly cheaper than Farmer's average of $121 per month.
The Zebra’s homeowners insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
State Farm vs. Farmers: homeowners discount comparison
Both State Farm and Farmers provide home insurance discounts for customers who meet certain criteria. Such discounts can help eligibile customers find significant savings.
| Discount comparison | State Farm | Farmers |
|---|---|---|
| Claims free | ✓ | |
| Recent home buyer | ||
| Multi-policy | ✓ | ✓ |
| Early signing | ||
| Newer/more durable roof | ✓ | ✓ |
| Protective devices (smoke/burglar alarms, etc...) | ✓ | ✓ |
| Paid in full | ||
| Auto pay | ✓ | |
| New home construction | ✓ | ✓ |
| Career-based | ✓ | |
| Non-smoking | ✓ | |
| Smart home | ✓ |
Other insurance products and bundling options
Both State Farm and Farmers have many insurance products available, with the option to bundle policies for extra savings. See how the product offerings from both companies compare below.
| Other products | State Farm | Farmers |
|---|---|---|
| Boat insurance | ✓ | ✓ |
| Condo insurance | ✓ | ✓ |
| Life insurance | ✓ | ✓ |
| Homeowners insurance | ✓ | ✓ |
| Travel trailer insurance | ✓ | ✓ |
| Renters insurance | ✓ | ✓ |
| RV insurance | ✓ | ✓ |
| Motorcycle insurance | ✓ | ✓ |
| Mobile home insurance | ✓ | ✓ |
| Umbrella | ✓ | ✓ |
| ATV insurance | ✓ | ✓ |
| Pet insurance | ✓ | ✓ |
| Commercial insurance | ✓ | ✓ |
Frequently asked questions: State Farm vs Farmers
Find the best insurance policy for your needs.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.