State Farm Vs. Farmers: Comparing Car Insurance 2024

Sep 10, 2024 at 5:29 PM

State Farm is a better choice for car insurance than Farmers thanks to its low rates and higher customer satisfaction scores. But be sure to consider other car insurance companies, since neither one may best suit your needs and budget.

Comparing State Farm vs. Farmers Car Insurance

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State Farm earned 3.5 stars in our analysis, surpassing Farmers’ 3.0 stars. Neither scored high enough to earn a top ranking in our roster of the best car insurance companies. We evaluated cost, collision repair, complaints against each company and coverage options.

State Farm’s rates are more competitive than Farmers, and it did better on claims satisfaction and complaints. But Farmers offers more discounts and coverage types than State Farm.

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State Farm vs. Farmers: Customer Satisfaction

Our analysis of complaints against both companies shows that State Farm outperformed Farmers. State Farm’s complaint level is below the industry average, which indicates good customer service. Farmers’ complaint level is a bit above average, suggesting it could improve customer satisfaction.

State Farm's complaint level is below the industry average while Farmers' is slightly above.

In customer satisfaction studies by J.D. Power, State Farm did better than Farmers. In the J.D. Power 2023 U.S. Auto Claims Satisfaction Study, State Farm was ranked No. 5 and scored 891 points out of 1,000 points, vs. Farmers at No. 12 and 878 points. The study assesses customer satisfaction with auto claims processes.

State Farm also surpassed Famers in J.D. Power’s 2024 U.S. Insurance Shopping Study. This study assesses customer satisfaction with the insurance purchasing experience. State Farm ranks No. 4 with 695 points out of 1,000. Farmers comes in at No. 11 with 667 points, which is below the industry average score.


State Farm vs. Farmers: Availability

State Farm auto insurance is available in a few more states than Farmers. It is in 48 states and Washington, D.C. It does not offer new policies in Massachusetts and Rhode Island. Wide availability is beneficial if you move states and desire to keep the same car insurance company.

Farmers auto insurance is available in 42 states. It’s unavailable in:

  • Alaska
  • Delaware
  • Hawaii
  • Maine
  • New Hampshire
  • Rhode Island
  • Vermont
  • West Virginia


State Farm vs. Farmers: Which Is Better?

If you’re choosing between State Farm and Farmers, your choice may come down to which insurer offers the best rates for your particular situation.

State Farm has lower costs than Farmers for all but one driver profile we researched—drivers with poor credit.

State Farm Is Better for Good Drivers

State Farm’s annual costs are about $1,000 lower than Farmers’ for good drivers—those without accidents or traffic tickets on their record.

Company Average national cost per year for a good driver
State Farm
$2,025
Farmers
$3,093

While State Farm’s average rates are lower than Farmers’, good drivers can find cheaper car insurance costs. Nationwide and Travelers have lower rates, according to our analysis. If you’re a military member, veteran or their immediate family member, consider USAA.

State Farm Is Better If You Have a Speeding Ticket

Farmers yearly cost is about $1,600 higher than State Farm for drivers with a speeding ticket, based on our analysis.

Company Average national cost per year for a driver with a speeding ticket
State Farm
$2,270
Farmers
$3,951

State Farm Is Better for Drivers Who Have Caused an Accident

State Farm’s cost is nearly $2,000 lower per year than Farmers for drivers who have an accident causing an injury. However, Erie and Travelers offer lower rates, according to our research. And USAA is worth checking out if you’re eligible due to a military connection.

Company Average national cost per year for a driver who caused an accident
State Farm
$2,428
Farmers
$4,412

State Farm Is Better for Drivers with a DUI

State Farm’s rate for drivers with a DUI is $1,550 cheaper a year than Farmers. You can potentially save even more with Progressive or Travelers. If you qualify for USAA, it can be a good choice.

Company Average national cost per year for a driver with a DUI
State Farm
$2,716
Farmers
$4,272

Farmers Is Better for Drivers with Poor Credit

State Farm costs 63% more a year than Farmers for drivers with poor credit, based on our assessment.  Other companies, such as Geico and Nationwide, offer even more competitive rates. USAA is good for veterans, military members and their families.

Company Average national cost per year for a driver with poor credit
State Farm
$7,961
Farmers
$4,889

State Farm Is Better for Adding a Teen Driver

You can potentially save about $2,800 when adding a teen driver to your policy by choosing State Farm over Farmers.

Adding a teen driver is always pricey, so it’s wise to compare car insurance quotes. Our assessment found that Erie and Nationwide offer the most competitive rates for teen drivers.

Company Average national cost per year for a driver adding a teen driver age 16-19
State Farm
$4,078
Farmers
$6,918

State Farm Is Better for Senior Drivers

State Farm beats Farmers when looking at  senior car insurance rates, coming in around $1,200 per year lower than Farmers. Our analysis found that Nationwide, Travelers and USAA (if you qualify) have even lower rates for senior drivers.

Company Average national cost per year for a senior driver age 65-80
State Farm
$2,009
Farmers
$3,199


State Farm vs. Farmers: Comparing Discounts

Farmers offers more car insurance discounts than State Farm. Farmers is especially good for families, with discounts for young drivers, shared family cars and young drivers buying their own policy.

State Farm Auto Insurance Discounts

  • Accident-free (for causing no accidents three years in a row).
  • Anti-theft device.
  • Buying multiple policies (bundling).
  • Defensive driving course (for taking a defensive driving class).
  • Driver training (for young drivers under age 21 on your policy who complete driver training).
  • Good driving (for three years with no at-fault accidents or moving violations).
  • Good student (for full-time high school or college students age 16 to 25 with good grades).
  • Multi-vehicle (when you insure more than one car with State Farm).
  • Safe vehicle (based on your car’s safety features).
  • State Farm’s Steer Clear Program (drivers under 25 with no at-fault accidents or violations in the past three years can sign up for the State Farm Steer Clear app).
  • Student away at school (if one of the drivers on your policy is a student under age 25 who moves away to go to school).

Farmers Auto Insurance Discounts

  • Affinity (if member, employee or retiree of certain professional associations, businesses or occupational groups).
  • Alternative fuel (for driving a hybrid or other alternative fuel vehicle).
  • Anti-lock brakes.
  • Anti-theft device.
  • Daytime running lights.
  • Defensive driver (for drivers over age 55 who have completed a state-approved safe-driver training course in the last three years).
  • Distant student (if your child is a student at least 100 miles away at school and doesn’t have access to your vehicles).
  • EFT (if set up automatic payment).
  • ePolicy (for enrolling in ePolicy and going paperless).
  • Good payer (if you’ve paid on time and not received late fees in the prior 12 months).
  • Good student (if you have a full-time high school or college student under age 25 with good grades).
  • Homeowner .
  • Homing device (for having a Farmers-approved device that can locate your car if it’s stolen).
  • Military (if you’re on active duty, active reserves, retired or an honorably discharged veteran).
  • Multi-car (when you insure more than one car with Farmers).
  • Multi-policy (when you have two or more Farmers’ policies.)
  • On your own (if you’re under age 29 and leave your parent’s Farmers policy to buy your own).
  • Passive restraint (for air bags or automatic seatbelts).
  • Pay in full (when you pay your full bill upfront).
  • Safe driver (for maintaining a clean driving record).
  • Shared family car (for a driver who is under 20 when the household has more drivers than vehicles).
  • VIN etching (for having your VIN etched on glass).
  • Youthful driver (for a policy with drivers under age 25 on it).

Discount availability can vary by state. Additional discounts may be available in your state.


State Farm vs. Farmers: Coverage Types

Farmers edges out State Farm on additional coverage types. Farmers offers accident forgiveness and new car replacement while State Farm does not.

Auto insurance companies all sell foundational coverage types such as liability, collision and comprehensive insurance and uninsured motorist coverage. But not all offer certain add-ons you may want.

Coverage type Does State Farm offer it? Does Farmers offer it?
Accident forgiveness
No
Yes
Decreasing/vanishing deductible
No
No
Gap insurance
No
Yes
New car replacement
No
Yes
Non-owners insurance
Yes
Yes
Pay-per-mile insurance
No
No
SR-22s
Yes
Yes
Usage-based insurance
Yes, Drive Safe & Save
Yes, Signal

Coverage availability can vary by state.


Other Things To Consider

Collision Repair

Collision repair grades from experts can be worth considering when comparing auto insurers. If you have to file a claim, you’ll want to know your insurer can smoothly handle the process. The collision repair processes of both State Farm and Farmers are only average, according to repair experts:

  • State Farm: C-
  • Farmers: C-

Grades come from the CRASH Network, which performs an annual survey of collision repair professionals.

Digital Functionality

If a robust digital experience is important to you, State Farm will be the better choice. In our assessment of mobile apps and website features, State Farm earned 4.6 stars compared to Farmer’s 4 stars. (Our analysis found Geico to be the only 5-star winner.)


State Farm vs. Farmers: Customer Service and Claims

State Farm’s customer service and claims management edges out Farmers because it provides more accessibility.

State Farm offers 24/7 customer service and the ability to track claims online or through its app. Its photo estimate tool gives an initial estimate for minor external damage to your vehicle in as little as 48 hours.

Farmers’ customer service phone number has limited hours, but you can chat or message them online. Its claims number is available 24/7 and you can also report a claim on its app.

Both companies have extensive networks of agents who can help you customize your policy or answer questions.


Methodology

We used data from Quadrant Information Services to find average rates from each company. Rates are based on a 40-year-old female driver with a Toyota RAV4 and coverage of:

  • $100,000 for injuries to one person, $300,000 for injuries per accident and $100,000 of property damage (known as 100/300/100).
  • Uninsured motorist coverage of 100/300.
  • Collision and comprehensive insurance with a $500 deductible.