Written by:
Dash Lewis,
Written by: Dash Lewis Content Writer
Writer
02/29/2024 2:01 pm
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Key Points:
- Between State Farm vs. Farmers, State Farm is usually cheaper.
- State Farm and Farmers both offer a wide range of coverage options and discounts.
- State Farm performs better in J.D. Power surveys on customer satisfaction.
Farmers and State Farm both performed well in our review of the industry’s best car insurance, but in the end, you only need one provider for your car insurance policy. That’s why we’re comparing State Farm vs. Farmers insurance side by side. In this article, we’ll take a look at coverage, discounts, and customer ratings to help you decide what’s best for your vehicle.
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State Farm Vs. Farmers Highlights
You’re probably familiar with Farmers insurance and State Farm insurance, because both are available in most states across the country. State Farm is the biggest car insurance company on the market, but Farmers can still compete with its comprehensive coverage offerings.
| State Farm | Farmers Insurance | |
|---|---|---|
| Our Rating | 4.7 | 4.3 |
| Availability | 48 states* | 50 states |
| Coverage | 4.6 | 4.5 |
| Cost | 4.3 | 3.5 |
| Service | 4.5 | 4.3 |
| AM Best Financial Strength Rating | A++ | A |
| J.D. Power Claims Satisfaction | 891/1,000 | 878/1,000 |
| Mobile App Google Play Rating | 4.7 | 4.6 |
*Although State Farm advertises nationwide availability, the company is no longer taking on new customers in Massachusetts or Rhode Island.
Learn more about the providers in our complete Farmers insurance review and State Farm insurance review.
State Farm Vs. Farmers: Coverage
When you compare coverage offerings between Farmers and State Farm, it’s clear that Farmers has many more types of coverage. However, State Farm has coverage that some drivers can’t go without, including rental car reimbursem*nt and travel expense coverage. For these reasons, Farmers and State Farm rate similarly for coverage.
Here’s an overview of Farmers insurance vs. State Farm insurance offerings:
| Farmers | State Farm | |
|---|---|---|
| Bodily Injury Liability (BI) | ✔ | ✔ |
| Property Damage Liability (PD) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Personal Injury Protection (PIP) | ✔ | ✔ |
| Medical Payments (MedPay) | ✔ | ✔ |
| Uninsured/Underinsured Motorist (UM/UIM) | ✔ | ✔ |
| Roadside Assistance | ✔ | ✔ |
| Rideshare Insurance | ✔ | ✔ |
| Rental Car Reimbursem*nt | ✔ | ✔ |
| Travel Expense Coverage | ✔ | |
| Accident Forgiveness Insurance | ✔ | |
| New Car Replacement | ✔ | |
| Custom Equipment Protection | ✔ | |
| Original Equipment Manufacturer Parts | ✔ | |
| Loss of Use Coverage | ✔ | |
| Guaranteed Value™ | ✔ | |
| Glass and Windshield Coverage | ✔ |
Standout Coverage From Farmers
- Custom equipment protection: This type of coverage pays to repair or replace aftermarket equipment like a sound system or custom wheels.
- Guaranteed value: In the event that your car is deemed a total loss after a covered accident, Farmers will pay you the defined, agreed-upon value that you set when you buy your policy.
- Glass and windshield coverage: This coverage offers a $0 deductible for repairing or replacing any auto glass part.
Standout Coverage From State Farm
Travel expense coverage: This coverage helps pay for meals, hotels, and transportation if you get into a covered accident more than 50 miles away from home and your car is disabled.
Farmers Insurance Vs. State Farm: Cost And Discounts
Our research found that the cost of a State Farm car insurance policy is generally lower than the cost of a Farmers insurance policy.
Cost Comparison
Our data shows State Farm is usually cheaper than Farmers. Full coverage from State Farm costs about $1,680 per year while it costs $2,660 from Farmers. Below, you can see how the two companies compare for different driving profiles. Besides the indicated profile, costs are based on a male driver with a 2020 Honda CR-V and a good driving record.
| Driver Profile | State Farm | Farmers |
|---|---|---|
| Full coverage for 30-year-old | $1,680 | $2,660 |
| Minimum coverage for 30-year-old | $684 | $1,222 |
| Full coverage for 20-year-old | $3,748 | $5,835 |
| Full coverage for 30-year-old with a ticket | $1,889 | $3,448 |
| Full coverage for 30-year-old with an accident | $1,997 | $4,035 |
| Full coverage for 30-year-old with a DUI | $2,152 | $4,551 |
| Full coverage for 30-year-old with poor credit | $4,490 | $4,953 |
Discount Comparison
The price you pay for coverage will depend on factors like your age, driving history, and vehicle make and model, as well as the discounts you qualify for with an auto insurance provider. Just because someone else finds cheaper rates with State Farm doesn’t mean that’s the case for you.
The following insurance discounts are offered by State Farm vs. Farmers:
| State Farm | Farmers | |
|---|---|---|
| Usage-Based Program | ✔ | ✔ |
| Multiple Policy | ✔ | ✔ |
| Safe Driver | ✔ | ✔ |
| Vehicle Safety | ✔ | ✔ |
| Driver Training | ✔ | |
| Multiple Vehicle | ✔ | ✔ |
| Good Student | ✔ | ✔ |
| Anti-Theft | ✔ | ✔ |
| Accident-Free | ✔ | |
| Student Away At School | ✔ | ✔ |
| Defensive Driving | ✔ | ✔ |
| Passive Restraints | ✔ | ✔ |
| Homeowner | ✔ | |
| Affinity Membership | ✔ | |
| Alternative Energy | ✔ | |
| Pay in Full | ✔ | |
| Automatic Payment | ✔ |
Farmers Signal® Vs. State Farm Drive Safe & Save™
Farmers and State Farm both have usage-based driving programs that can help drivers save on car insurance. These programs are most beneficial to drivers who drive safely, which includes things like giving themselves enough time to come to a stop and avoiding hard braking and acceleration.
| Signal | Drive Safe & Save |
|---|---|
| Through the Farmers Insurance app or plug-in device | Through the State Farm mobile app, plug-in device, or OnStar |
| Discount not disclosed | Up to 30% off for safe driving |
| 4.2 stars on Google Play | 4.0 stars on Google Play |
Standout Discounts From Farmers
- Affinity membership: Farmers partners with multiple professional, academic, and alumni associations to reward members from these groups with discounted car insurance rates.
- Alternative fuel: Hybrid vehicles, electric cars, and other alternatively fueled vehicles qualify for this kind of discount (available in California).
Standout Discounts From State Farm
- Steer Clear®: This safe driving program is available to customers younger than 25 who have had no accidents or moving violations in the past three years. Drivers can save on their premiums through this program.
- Student away at school: If a full-time student is insured on your policy, goes to school over 100 miles away, and only uses the car when at home, you could save money.
- Driver training: When drivers on your policy who are under 21 years old complete a pre-approved driving course, you get a discount.
- Vehicle safety discount: You can get lower rates if your car is equipped with vehicle safety features like passive restraints and anti-theft technology.
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State Farm Vs. Farmers Insurance: Ratings And Reviews
Farmers and State Farm both have high ratings from the BBB and AM Best, which is a good sign. The BBB rates auto insurance companies on sound business practices and customer interactions, and AM Best measures a company’s ability to pay out customer claims.
Customer reviews are mixed and can vary by location. That’s why it can be a good idea to check out resources like the J.D. Power 2023 U.S. Auto Insurance Study℠to see what the service is like in your region. The study measured overall customer satisfaction with auto insurers. Because Farmers isn’t available in every state, it doesn’t have ratings for some regions.
| Region | State Farm | Farmers |
|---|---|---|
| California | 826 | 810 |
| Central | 833 | 819 |
| Florida | 833 | 777 |
| Mid-Atlantic | 843 | 803 |
| New England | 829 | – |
| New York | 826 | – |
| North Central | 837 | 816 |
| Northwest | 821 | 796 |
| Southeast | 847 | 807 |
| Southwest | 835 | 781 |
| Texas | 838 | 813 |
*All ratings are based on a 1,000-point scale.
Quotes And Claims
When you’re shopping for car insurance, you want it to be as easy as possible. To assess each company’s quote process, we look to the J.D. Power 2023 U.S. Insurance Shopping Study℠, which measures the shopping experience by price, policy offerings, and distribution channels.
Here’s what customers thought of Farmers and State Farm:
- State Farm: 877 out of 1,000 points
- Farmers: 846 out of 1,000 points
J.D. Power also put together the 2023 U.S. Auto Claims Satisfaction Study℠to measure customer satisfaction with the ease of the claims process.
- State Farm: 891 out of 1,000 points
- Farmers: 878 out of 1,000 points
Similar to the quote process, these results tell us that customers are somewhat more satisfied with State Farm.
State Farm Vs. Farmers: Our Take
When you compare Farmers insurance vs. State Farm, you will see that both providers have their strengths. Farmers and State Farm both have great insurance coverage and customer reviews, while State Farm excels in affordability, discounts, and the insurance quotes and claims processes.
Overall, we think most drivers will find better coverage with State Farm.
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Recommendations For Auto Insurance
When you’re shopping for a new car insurance provider or looking to switch companies, it’s a good idea to get quotes from multiple sources and compare them to be sure you’re getting the best rate and paying the right price for protection on the road. In addition to Farmers insurance and State Farm, we recommend considering coverage from USAA and Geico.
Geico: 4.5 Stars
Geico is one of the largest car insurance providers in the U.S., and our research named Geico the Best for Basic Coverage. In addition to standard insurance products, Geico offers valuable coverage like roadside assistance, rental car reimbursem*nt, and mechanical breakdown insurance. There are a variety of discounts that can help you save money, including military, good drivers, and customer loyalty discounts.
Learn more in our complete Geico auto insurance review.
USAA: 4.5 Stars
Exclusively available to military personnel and their families, USAA offers a combination of low average rates and reliable service. USAA has great ratings from sources like AM Best and J.D. Power. Like Geico, it has valuable coverage like roadside assistance, gap insurance, and glass coverage. If you garage your car on a military base, you can get up to 20 percent off your car insurance policy.
Read our full USAA auto insurance review to find out more.
State Farm Vs. Farmers: FAQ
Below are a few frequently asked questions when comparing State Farm vs. Farmers:
How We Rate Auto Insurers
Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
- Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.
*Data accurate at time of publication.
Dash Lewis Content Writer
