Farmers vs. State Farm Auto Insurance (2023)
Comparing Farmers vs. State Farm car insurance rates show State Farm is cheaper overall and Farmers is cheaper for drivers with bad credit. External ratings for Farmers vs. State Farm car insurance companies reveal State Farm having an A+ from A.M. Best and Farmers having an A. State Farm also has better customer satisfaction ratings. State Farm has a wider variety and heftier discounts.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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UPDATED: Jun 29, 2022
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- State Farm is cheaper on average than Farmers unless you have bad credit
- State Farm and Farmers both offer a variety of auto insurance discounts to save you money
- State Farm has higher financial and customer satisfaction ratings
Both Farmers and State Farm are on the list of the top 10 best auto insurance companies, but which is the best option based on your personal characteristics?
We’ll compare Farmers vs. State Farm auto insurance rates based on age, driving record, and credit history to see which one better suits your needs.
We’ll also compare available discounts and ratings from agencies with a credible and trustworthy view of Farmers vs. State Farm auto insurance companies.
Before jumping into this Farmers vs. State Farm auto insurance review, enter your ZIP code to compare quotes from multiple companies in your area.
Table of Contents
Is Farmers auto insurance or State Farm auto insurance cheaper?
You might be surprised by the methods auto insurance companies use to 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? The price you pay for auto insurance is based on your individual qualities and circumstances.
Younger drivers are charged more than older drivers, but you might be surprised by how expensive teenager auto insurance rates are. This table will compare Farmers vs. State Farm auto insurance rates based on age, gender, and marital status.
| Age, Gender, and Marital Status | Farmers Average Annual Rates | State Farm Average Annual Rates |
|---|---|---|
| Single 17-year-old female | $8,666.24 | $4,875.91 |
| Single 17-year-old male | $9,202.06 | $6,130.77 |
| Single 25-year-old female | $2,672.81 | $1,979.45 |
| Single 25-year old male | $2,791.21 | $2,176.45 |
| Married 35-year-old female | $2,316.82 | $1,734.93 |
| Married 35-year-old male | $2,306.44 | $1,734.93 |
| Married 60-year-old female | $2,117.42 | $1,558.06 |
| Married 60-year-old male | $2,179.61 | $1,558.06 |
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State Farm is much less expensive than Farmers, saving young drivers thousands of dollars per year.
Your driving record is one of the most significant factors used to determine 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.
This table shows you how Farmers vs. State Farm auto insurance quotes stack up based on your driving record.
| Driving Record | Farmers Average Annual Rates | State Farm Average Annual Rates |
|---|---|---|
| Clean record | $3,460.60 | $2,821.18 |
| With 1 accident | $4,518.73 | $3,396.01 |
| With 1 DUI | $4,718.75 | $3,636.80 |
| With 1 speeding violation | $4,079.01 | $3,186.01 |
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Farmers is much more expensive than State Farm, no matter what your driving record looks like.
One factor that auto insurance companies look at that isn’t as obvious is your credit score. Insurance companies believe that if you have a higher credit score, you are less likely to file a claim and more likely to pay for losses out of pocket.
| Credit History | Farmers Average Annual Rates | State Farm Average Annual Rates |
|---|---|---|
| Good | $3,677.12 | $2,174.26 |
| Fair | $3,899.41 | $2,853.00 |
| Poor | $4,864.14 | $4,951.20 |
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Unless you have bad credit, Farmers is once again the more expensive company. State Farm charges about $100 more a year for drivers with bad credit than Farmers.
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Does Farmers or State Farm have better auto insurance discounts?
By taking advantage of discounts, you can save a lot of money on your auto insurance. Multi-car, good student, and safe driver auto insurance discounts are available from most companies.
The discounts available from Farmers and State Farm are listed in this table. See which company offers the most discounts that are applicable to you.
| Car Insurance Discounts | Farmers (%) | State Farm (%) |
|---|---|---|
| Adaptive Headlights | x | N/A |
| Anti-lock Brakes | x | 5 |
| Anti-Theft | x | 15 |
| Claim Free | x | 15 |
| Continuous Coverage | x | N/A |
| Daytime Running Lights | x | N/A |
| Defensive Driver | x | 5 |
| Distant Student | x | x |
| Driver's Ed | x | 15 |
| Driving Device/App | N/A | 50 |
| Early Signing | x | N/A |
| Electronic Stability Control | x | N/A |
| Family Plan | x | N/A |
| Farm Vehicle | x | N/A |
| Federal Employee | x | N/A |
| Full Payment | x | N/A |
| Garaging/Storing | x | N/A |
| Good Credit | N/A | x |
| Good Student | x | 25 |
| Green Vehicle | 5 | N/A |
| Homeowner | x | 3 |
| Low Mileage | x | 30 |
| Married | N/A | x |
| Military | x | x |
| Multiple Policies | x | 17 |
| Multiple Vehicles | x | 20 |
| Newer Vehicle | x | 40 |
| Occupation | x | N/A |
| Paperless Documents | x | N/A |
| Paperless/Auto Billing | x | $2 |
| Passive Restraint | x | 40 |
| Safe Driver | x | 15 |
| Senior Driver | x | N/A |
| Switching Provider | x | N/A |
| Utility Vehicle | x | N/A |
| Vehicle Recovery | x | 5 |
| VIN Etching | x | N/A |
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When you compare Farmers vs. State Farm auto insurance quotes, make sure to ask about all discounts you might be eligible for.
You may have the option to save more by bundling with your life insurance policy or home insurance policy.
How do 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’s difficult to judge for yourself, and that’s when third-party rating agencies can help. When comparing Farmers vs. State Farm auto insurance, or any other companies, checking ratings is key.
A.M. Best rates a company’s financial health on how well it can satisfy its financial obligations. Farmers earned an A rating, indicating that it is very capable of meeting obligations. State Farm earned an A+ rating, indicating that it has a superior ability to meet obligations.
Farmers was given an A+ by the Better Business Bureau, while State Farm insurance was given an A. Farmers is 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.
Each company has an easy-to-use website and mobile app where customers can access their accounts, make payments, and even file Farmers insurance claims or State Farm claims easily. If you have an issue filing a claim, you can contact the Farmers or State Farm claims departments.
Usually, in both the Farmers apps and State Farm apps, your Farmers insurance login or State Farm login would likely be the same.
Are there agents for State Farm and Farmers insurance near me? Yes, both companies offer coverage in all 50 states.
Before you buy Farmers vs. State Farm auto insurance, enter your ZIP code to compare multiple auto insurance companies in your area.