Farmers vs. State Farm Auto Insurance in 2024 (Compare Side-by-Side)

Farmers Auto Insurance

2,903 reviews

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4.3

Company Facts

Min. Coverage

$53/mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

• Extensive coverage and discount options
• High customer service ratings
• Offers Signal, a usage-based insurance discount

• Not available in every state
• Rates are higher than average

» Farmers Auto Insurance Review

2,903 reviews

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State Farm Auto Insurance

17,759 reviews

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4.3

Company Facts

Min. Coverage

$33/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• Competitive rates
• Flexible coverage
• Multiple discounts
• High claims satisfaction
• Financially stable

• High-risk driver costs
• Limited digital tools
• Varies by location

» State Farm Auto Insurance Review

17,759 reviews

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Farmers vs. State Farm auto insurance highlights two insurers that make all the difference in the coverage and benefits they can avail. Farmers have multi-car discounts, with up to 25% savings for their customers.

In contrast, State Farm has very competitive rates, starting at $33 per month for frugal drivers. While Farmers provides excellent personal service, State Farm has unmatched online policy management features.

Farmers vs. State Farm Auto Insurance Rating

Rating Criteria
Overall Score	4.3	4.3
Business Reviews	4.0	5.0
Claim Processing	3.3	4.3
Company Reputation	4.5	4.5
Coverage Availability	5.0	5.0
Coverage Value	4.1	4.2
Customer Satisfaction	4.0	4.1
Digital Experience	4.5	4.5
Discounts Available	5.0	5.0
Insurance Cost	4.2	3.9
Plan Personalization	4.5	4.5
Policy Options	5.0	3.8
Savings Potential	4.4	4.3
	Farmers Review	State Farm Review

State Farm has a network of agents people can turn to for help with their cars. It’s worth comparing several quotes, especially when seeking cheap full-coverage auto insurance.

Before we go into this Farmers vs. State Farm auto insurance review, enter your ZIP code to compare quotes from multiple companies in your area.

State Farm Auto Insurance Is Cheaper Than Farmers Auto Insurance

You might be surprised by how auto insurance companies determine your rates. Your age, driving record, and credit history will all factor into how affordable Farmers vs. State Farm auto insurance is for you. Why is Farmers insurance so expensive? Why is State Farm so expensive? Your auto insurance price is based on your individual qualities and circumstances.

Farmers vs. State Farm Full Coverage Auto Insurance Monthly Rates by Age & Gender

Age & Gender
Age: 16 Female	$810	$311
Age: 16 Male	$773	$349
Age: 30 Female	$160	$94
Age: 30 Male	$167	$103
Age: 45 Female	$139	$86
Age: 45 Male	$139	$86
Age: 60 Female	$120	$76
Age: 60 Male	$128	$76

Younger drivers are charged more than older drivers, but you might be surprised by how expensive teenage auto insurance rates are. This table will compare Farmers vs. State Farm auto insurance rates based on age, gender, and marital status. State Farm is much less expensive than Farmers, saving young drivers thousands of dollars annually.

Farmers vs. State Farm Full Coverage Auto Insurance Monthly Rates by Driving Record

Driving Record
Clean Record	$139	$86
Not-At-Fault Accident	$198	$102
Speeding Ticket	$173	$96
DUI/DWI	$193	$112

Your driving record is one of the most significant factors determining auto insurance rates. If you have any accidents, tickets, or DUIs on your record, your insurance rates will be significantly higher than if you have a clean driving record.

Regardless of your driving record, Farmers are much more expensive than State Farm. One factor that auto insurance companies look at that could be more obvious is your credit score. Insurance companies view higher credit scores as a sign that drivers are less likely to file claims and more likely to handle losses themselves.

Farmers Insurance rates are significantly higher 💰than the national average, but you’re not average😃. It’s crazy how much rates fluctuate based on personal factors. https://t.co/27f1xf1ARb has a breakdown of rates by demographic📊. Check it out here👉: https://t.co/2wGhTuKSns pic.twitter.com/X4ISJ4RDpe

— AutoInsurance.org (@AutoInsurance) December 19, 2023

Farmers tend to be more expensive for those with good credit, while State Farm is usually about $100 more annually for drivers with bad credit. Understanding this is key to finding the best auto insurance discounts.

Farmers and State Farm Compare in Financial Strength and Customer Satisfaction

Is Farmers’ Insurance Good? Is State Farm a strong auto insurance company? Sometimes, it isn’t easy to judge for yourself, and that’s when third-party rating agencies can help. Checking ratings is vital when comparing Farmers vs. State Farm auto insurance or other companies.

Insurance Business Ratings & Consumer Reviews: Farmers vs. State Farm

Agency
	Score: 846 / 1,000 Lower-Than-Average Satisafaction	Score: 877 / 1,000 Above Avg. Satisfaction
	Score: A+ Great Complaint Resolution	Score: C- Below Avg. Business Practices
	Score: 82/100 High Customer Satisfaction	Score: 75/100 Positive Customer Feedback
	Score: 1.70 More Complaints vs. Competitors	Score: 0.78 More Complaints Than Avg.
	Score: A Excellent Financial Strength	Score: B Fair Financial Strength

A.M. Best rates a company’s financial health on how well it can satisfy its financial obligations. Farmers earned an A rating, indicating it is capable of meeting obligations. State Farm earned an A+ rating, suggesting it has a superior ability to meet obligations.

The Better Business Bureau gave Farmers an A+, while State Farm insurance was given an A. Farmers are also accredited, while State Farm is not. J.D. Power rated Farmers and State Farm on consumer satisfaction, including costs, billing, claims, and what they sell. Farmers received an average rating, while State Farm received an above-average rating.

Additional services, such as roadside assistance, are available from both companies and can be accessed from the app or website. You can also get this information using the Framers and State Farm 1-800 numbers.

Both companies provide easy-to-use websites and mobile apps for managing accounts, making payments, and filing claims, such as Farmers Insurance or State Farm. Knowing how to file an auto insurance claim is vital for a smooth process, and if you face any issues, you can contact the claims departments for help.

Usually, your Farmers Insurance login or State Farm login would likely be the same in both the Farmers and State Farm apps. Are there agents for State Farm and Farmers Insurance near me? Yes, both companies offer coverage in all 50 states.

Farmers and State Farm Have Better Auto Insurance Discounts

Both Farmers and State Farm have excellent packages when compared as far as auto insurance discounts are concerned. Farmers can save up to 25 percent off for holding multiple cars, so it’s a good package for households with multiple vehicles. The customer can also save by covering home and auto insurance and benefit from low mileage and safe driver discounts.

Home insurance > Farmers vs. State Farm?
byu/robot_writer inInsurance

State Farm offers auto and home insurance, which can be tailored to cover a variety of your critical assets. Auto insurance covers accidental loss or damage, theft, and liability. Home insurance covers the personal belongings of the property owner and liability concerning his place of residence.

The right one to choose depends on your needs: if you practically depend on your vehicle, then an auto is a must; if you own a place,  you will first have to think about protecting this place with home insurance. Both policies offer significant coverage customized to guard what is of the highest importance.

State Farm offers numerous discounts, including a Drive Safe & Save program that rewards safe driving. With rates starting at $33 monthly for qualified drivers, savings are also available for students and military personnel. To see how these discounts apply, read how auto insurance companies check driving records, as your history will impact your options.

Farmers Pros & Cons

Pros

• Comprehensive Discounts: General discounts include multi-car discounts to a maximum of 25 percent.
• Customizable Coverage: The number of coverages varies according to different Farmers based on client requirements.
• Vital Customer Service: The Farmers have excellent customer service and pay claims quickly.

Cons

• Higher Premiums: Farmers’ auto insurance costs are slightly higher than those of their competitors.
• Limited Availability: Some policy options are not available in some states. Explore further details in “Farmers Auto Insurance Review.”

State Farm Pros & Cons

Pros

• Financial Stability: State Farm has an A++ rating by A.M. Best, which indicates the company is financially sound and reliable.
• Competitive Rates: State Farm offers relatively low-priced automobile insurance at a minimum of $33 per month.
• Wide Range of Discounts: State Farm offers an array of discounts, namely, safe driver and bundling discounts.

Cons

• Less Flexible Coverage: Some customers want less flexibility in the choices related to coverage under State Farm’s policy options. See our “State Farm Auto Insurance Review” for more information.
• Mixed Customer Reviews: State Farm has a mixed record regarding the quality of its customer service, which impacts satisfaction.

Recap: Farmers vs. State Farm Auto Insurance Discounts

Compare Farmers vs. State Farm auto insurance, and understand that both providers offer excellent discounts to clients to keep costs down. Farmers offer a multi-car discount of up to 25% and opportunities for savings through bundling home and auto policies.

Want to know what safe driving could do to reduce the costs of insurance premiums for you? Then, read State Farm Drive Safe & Save reviews. And with the fantastic program designed to motivate drivers to have safe operations while on the road, some participants see premiums reduced to as low as $33.

All providers will reward their eligible customers differently since each entity’s offers vary. Enter your ZIP code to compare multiple auto insurance companies in your area.