Let’s see which company has the right coverage for you.

 
 

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 Farmers insurance vs. State Farm insurance side by side. We’ll take a look at coverage, discounts, and customer ratings to help you decide what’s best for your vehicle.

If you’re ready to start comparing free quotes from top-rated providers, enter your zip code in the box above or call (855) 518-0148.


In this article:

 


 

Farmers And State Farm 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.

  Farmers Insurance State Farm
Motor1 Rating 4.0 4.5
Availability 50 states 48 states*
Coverage 4.0 4.0
Cost 3.0 4.0
Customer Service 3.5 3.5
AM Best Financial Strength Rating A A++
J.D. Power Claims Servicing 3/5 3/5
Mobile App Google Play Rating 4.5 4.6
 

*Although State Farm advertises nationwide availability, the company is no longer taking on new customers in Massachusetts or Rhode Island. Find out more about Massachusetts car insurance and Rhode Island car insurance in our reviews.

Learn more about the providers in our complete Farmers insurance review and State Farm insurance review.

 


 

Farmers Insurance Vs. State Farm: 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 reimbursement and travel expense coverage. For these reasons, Farmers and State Farm rate similarly for coverage.

  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 Reimbursement  
Travel Expense Coverage  
Accident Forgiveness Insurance  
New Car Replacement  
Custom Equipment Protection  
Original Equipment Manufacturer Parts  
Loss of Use Coverage  
Guaranteed ValueTM  
Glass and Windshield Coverage  
 

Standout Coverage From Farmers

  • Custom equipment protection: This type of coverage pays the cost of repairing or replacing aftermarket equipment like a sound system or custom wheels.
  • Guaranteed value: In the event that your car is a total loss after a covered accident, Farmers will pay you the defined, agreed-upon value that you set when you buy this protection.
  • 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. But before we can decide which provider is more affordable, we have to take a look at each company’s available discounts. 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.

  Farmers State Farm
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  
Senior  
Alternative Energy  
Pay Electronically  
Pay in Full  
 

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 that drive safely, including 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
Complete 10 trips and get a 5-percent discount Up to 30 percent off for safe driving
Up to 20 percent off when you renew your policy 3.6 stars on Google Play
2.5 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 more alternatively fueled vehicles qualify for this kind of discount.

Standout Discounts From State Farm

  • Steer Clear®: This safe driving program is available to customers younger than 25 years old who have no accidents or moving violations in the past three years. Drivers could save up to 15 percent.
  • 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 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.

 


 

Farmers Insurance Vs. State Farm: Quotes And Claims

When you’re shopping for car insurance, you want it to be as easy as possible. To assess each company’s quotes process, we look to the J.D. Power 2020 U.S. Insurance Shopping StudySM, which measures the shopping experience by price, policy offerings, and distribution channels. Here’s what customers thought of Farmers and State Farm:

  • Farmers: 849/1,000
  • State Farm: 860/1,000

These marks tell us that State Farm’s shopping experience is a little smoother, although not by much. To go through the quotes process yourself, enter your zip code below or call (855) 518-0148 to be connected with major car insurance providers in your area.

 

J.D. Power also put together the 2019 U.S. Auto Claims Satisfaction StudySM to measure customer satisfaction with the ease of the claims process.

  • Farmers: 865/1,000
  • State Farm: 878/1,000

Similar to the quotes process, these results tell us that customers are somewhat more satisfied with State Farm.

 


 

Farmers Insurance Vs. State Farm: Ratings And Reviews

Farmers and State Farm both have high ratings from the Better Business Bureau (BBB) and AM Best, which is a good sign. The BBB rewards auto insurance companies for having sound business practices, and AM Best measures a company’s ability to pay out customer claims.

  Farmers State Farm
BBB Rating A+ A+
AM Best Financial Strength Rating A A++
 

Customer Reviews For Farmers And State Farm

Before signing up with a new provider, check out the reviews to see what customers have to say. Chances are you will find a mix of positive and negative reviews. Insurance companies tend to get negative reviews when customers are dealing with the stressful claims process, so you should remember that negative reviews may be in response to a very specific situation.

Between Farmers insurance vs. State Farm, drivers feel about the same. Here are a few reviews of each insurer:

“Great service, best rates around… No one can beat [Farmers]. My agent goes above and beyond. I love that they call me every year to make sure that nothing has changed and check in, they also send birthday cards. So sweet, really a personal touch!”

- Kaleb H. via BBB

“How is Farmers still in business? Currently going through my second claim with them. First claim took [three] months to resolve. Yes, that's right, [three] months… I'm for sure going to shop around for different insurances after this claim is taken care of.”

-Tony K. via BBB

“[State Farm] is the best insurance company I have ever dealt with. I am so happy with the services they provide. They are always happy to answer any questions I have, and they are always there to guide me in the right direction.”

-Toni S. left via BBB

”Recently gotten in a car wreck.. and the wreck was not my fault. But [State Farm] did not investigate the case. Also they won’t even answer my calls regarding my claim. And when [I] leave voicemails... I don't get a return call. All in all they are just [a] bad business that won't stand by their customers.”

-Harvey via BBB


Of course, service can vary by location. That’s why it can be a good idea to check out resources like the 2020 J.D. Power U.S. Auto Insurance StudySM to see what the service is like in your region. The study measured overall customer satisfaction. Because Farmers isn’t available in every state, it does not have ratings for some regions.

Region Farmers State Farm
California 801 836
Central 827 849
Florida - 826
Mid-Atlantic 826 855
New England - 855
New York - 851
North Central 831 829
Northwest 810 814
Southeast 832 835
Southwest 823 826
Texas 812 844
 

*All ratings are based on a 1,000-point scale.

 


 

Our Take On Farmers Insurance Vs. State Farm

When you compare Farmers insurance vs. State Farm, you will see that both providers have their strengths. Farmers and State Farm both have great coverage and customer reviews, while State Farm excels in affordability, discounts, and the quotes and claims processes.

Overall, we think most drivers will find the better coverage with State Farm. But if you’re a senior, you may find a good rate with Farmers.

Coverage Tie
Cost and Discounts State Farm
Quotes and Claims Processes State Farm
Ratings and Customer Reviews Tie
Overall State Farm
 

When you’re ready to start comparing free, personalized car insurance quotes, follow the link below or call (855) 518-0148. We’ll help you get the quotes comparison process started.

 

 

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 to be sure you’re 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 Insurance logo

Geico is one of the largest car insurance providers in the U.S., and our research named Geico the Best Overall. In addition to standard coverage, Geico offers valuable coverage like roadside assistance, rental car reimbursement, and mechanical breakdown insurance. There are a variety of discounts that can help you save money, including a military discount, a discount for good drivers, and a customer loyalty discount.

Learn more in our complete Geico auto insurance review.

USAA: 5.0 Stars

USAA Insurance logo

Exclusively available to military personnel and their families, USAA was the only provider to earn 5.0 out of 5.0 stars in our industry-wide review. USAA has great ratings from sources like AM Best and J.D. Power, and 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.