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Farmers vs. State Farm: Which Car Insurance Is Cheaper?

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: May 25, 2021

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Key Takeaways

  • State Farm is cheaper on average than Farmers unless you have bad credit
  • State Farm and Farmers both offer a variety of car insurance discount to save you money
  • State Farm has higher financial and customer satisfaction ratings

Our Farmers vs. State Farm car insurance guide compares car insurance rates by age, driving record, and credit score.

We also compare available discounts and ratings from agencies with a credible and trustworthy view of Farmers vs. State Farm car insurance companies.

Which company will provide the best and cheapest car insurance for you?

To see if either is correct for you, compare rates, discounts, financial ratings, and customer satisfaction ratings. Before you decide, consider the advantages and disadvantages of each company.

Keep reading to compare affordable Farmers vs. State Farm car insurance quotes, or enter your ZIP code to compare multiple companies in your area.

Is Farmers car insurance or State Farm car insurance cheaper?

The method by which your car insurance rates are determined can surprise you. Insurers consider your age, driving record, and credit history, among other items.

These are only a few factors that will be considered when determining how affordable Farmers vs. State Farm car insurance is for you.

Why is Farmers insurance so expensive? Why is State Farm so expensive? Your unique circumstances will determine what company is right for you.

Younger drivers are charged more than older drivers, but you might be shocked just how expensive teenager car insurance rates are.

This table will compare Farmers vs. State Farm car insurance rates to determine the cheapest company for your age, gender, and marital status.

Farmers vs. State Farm Average Annual Car Insurance Rates Based on Age, Gender, and Marital Status
Age, Gender, and Marital StatusFarmers Average Annual RatesState 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 determining car 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 car insurance stacks up based on your driving record.

Farmers vs. State Farm Average Annual Car Insurance Rates Based on Driving Record
Driving RecordFarmers Average Annual RatesState 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 car 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 Farmers insurance claims or State Farm claims and are more able to pay for losses out of pocket.

Farmers vs. State Farm Average Annual Car Insurance Rates Based on Credit History
Credit HistoryFarmers Average Annual RatesState 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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But if you do need to file a claim, contact the Farmers or State Farm claims department.

Unless you have bad credit, Farmers is the more expensive company. State Farm charges about $100 more a year for drivers with bad credit than Farmers.

You may live in a state like California, where basing car insurance on credit scores is illegal. Be sure to check out our car insurance by state page before judging Farmers vs. State Farm car insurance rates based on credit score alone.

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Does Farmers or State Farm have better car insurance discounts?

By taking advantage of discounts, you can save a lot of money on your car insurance. Multi-car, good student, and safe driver car insurance discounts are available from most companies.

The discounts available from Farmers and State Farm are listed in this table. See which companies give the most discounts you apply for to help you lower your prices.

Farmers vs. State Farm Car Insurance Discounts
Car Insurance DiscountsFarmers (%)State Farm (%)
Adaptive HeadlightsxN/A
Anti-lock Brakesx5
Anti-Theftx15
Claim Freex15
Continuous CoveragexN/A
Daytime Running LightsxN/A
Defensive Driverx5
Distant Studentxx
Driver's Edx15
Driving Device/AppN/A50
Early SigningxN/A
Electronic Stability ControlxN/A
Family PlanxN/A
Farm VehiclexN/A
Federal EmployeexN/A
Full PaymentxN/A
Garaging/StoringxN/A
Good CreditN/Ax
Good Studentx25
Green Vehicle5N/A
Homeownerx3
Low Mileagex30
MarriedN/Ax
Militaryxx
Multiple Policiesx17
Multiple Vehiclesx20
Newer Vehiclex40
OccupationxN/A
Paperless DocumentsxN/A
Paperless/Auto Billingx$2
Passive Restraintx40
Safe Driverx15
Senior DriverxN/A
Switching ProviderxN/A
Utility VehiclexN/A
Vehicle Recoveryx5
VIN EtchingxN/A
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Ask for all discounts you are eligible for when comparing Farmers vs. State Farm car insurance quotes.

How do Farmers and State Farm compare in financial strength and customer satisfaction?

Is Farmers insurance good? Is State Farm a robust car insurance company? Sometimes it isn’t easy to judge for yourself, so third-party rating agencies come in.

To help decide if you should buy Farmers vs. State Farm car insurance, checking ratings is vital.

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 can meet obligations.

State Farm earned an A+ rating, suggesting that it has a superior ability to meet obligations.

On the other hand, Farmers was given an A+ by the Better Business Bureau, and 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.

Customers can view their insurance records, locate their ID cards, and pay bills using their Farmers insurance login or State Farm login on the mobile app or website. You can also get this information using the Framers and State Farm 1-800 numbers.

Additional services, such as roadside assistance, are available from both companies and can also be accessed from the app or website.

Both companies also offer services outside of car insurance, such as State Farm and Farmers life insurance and homeowners insurance.

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 car insurance, enter your ZIP code to start comparing multiple car insurance companies in your local area.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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