State Farm vs Farmers Car Insurance

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State Farm or Farmers:
Which Company is Best for You?

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.

Find out more: Check out our full reviews of State Farm and Farmers.


Compare State Farm vs. Farmers auto insurance rates


State Farm vs. Farmers: pricing by credit score

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.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Farmers VS. State Farm
Credit levelState Farm avg. annual premiumFarmers avg. annual premium
Very Poor (300-579)$3,522$2,633
Fair (580-669)$2,003$1,736
Good (670-739)$1,613$1,882
Very Good (740-799)$1,451$1,459
Exceptional (800-850)$1,260$1,354

State Farm vs. Farmers: high-risk insurance rates

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.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Farmers VS. State Farm
InfractionState Farm avg. annual premiumFarmers 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.


COMPARING AUTO INSURANCE RATES BY AGE: Farmers VS. State Farm
AgeState Farm avg. annual premiumFarmers 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.

Discount ComparisonState FarmFarmers
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonState FarmFarmers
Financial Strength SuperiorExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A++

A+

Other ProductsState FarmFarmers
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Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
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Other FeaturesState FarmFarmers
AboutGet 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 AssistanceState 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 DiscountsState 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 QuestionsMy 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%.
I started a claim but canceled it with no payout. Why is it on my CLUE report?
Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
See More Questions
Are some insurance providers better suited to my needs than others to get the best rate?
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.
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.
Will insurance cover someone other than the insured?
While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary.
See More Questions
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States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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State Farm vs Farmers

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