AFR vs. Farmers: Which Company is the Best Fit for You?

Quick Facts

• In general, AFR offers significantly less expensive prices than Farmers
• AFR offers more affordable premiums for couples purchasing car insurance together
• Farmers offers more discounts than AFR Insurance

AFR vs. Farmers: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering sizable discounts, but exactly how much money can you save by switching?

You might have narrowed it down to AFR or Farmers, but which carrier will offer you cheaper rates?

As you can see, Farmers has average rates that are about 35% per month more expensive than those from AFR when looking at the national average rates for insurance.

But that doesn't mean AFR will necessarily be more affordable than Farmers for each driver. Car insurance companies use tons of complex algorithms to calculate premiums, so depending on how clean your driving record is or how good your credit score is (among several other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of AFR or Farmers is really the best for you, keep reading to see average rates for each carrier broken down by multiple different rate factors.

AFR or Farmers: Average Car Insurance Rates by State

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There's a lot more that goes into your auto insurance payment than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for car insurance than any other group of drivers out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $350 less a month by choosing AFR over Farmers.

Even so, both carriers will offer you dramatically lower premiums once you turn 25. For example, average prices for AFR policyholders drop around $60 and Farmers's premiums reduce almost $400 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates out there.

When looking at AFR and Farmers specifically, which company is best for retired drivers? AFR gets the edge here, with average prices coming in at about $124 monthly compared to Farmers's $143.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly cheaper insurance rates than those who are single. This usually boils down to married couples having several cars on their policy -- something several car insurance companies will reward with discounts.

When it comes to relationship status, AFR is the clear winner for single drivers, with premiums around $97 per month less expensive than Farmers, on average. The advantage for married policyholders with AFR is also obvious, where drivers save more than 15% a month.

AFR vs. Farmers: Average Rates by Gender

Men normally pay more for insurance than women. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher prices.

Usually, women see premiums about $4 per month cheaper with AFR, and around $7 less with Farmers.

When it comes to the lowest prices for each gender, AFR comes out on top for both men and women, with average rates 33% less for men and 33% cheaper for women.

AFR or Farmers: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, auto insurance isn't the easiest topic to understand. There are several different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

However, most policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability coverage).

If you're looking for state minimum liability limits, AFR typically offers significantly less expensive premiums of $65 compared to Farmers's $126. When it comes to full coverage policies with similar limits, AFR again has the edge, with policies about $70 a month more affordable than Farmers, on average.

Is AFR or Farmers Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and accidents on your record, but which of these two carriers offers the most affordable rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

AFR policyholders can expect their prices to go up an average of $35 per month if they get a ticket, while Farmers generally raises rates around $44 a month, on average.

That being said, AFR is usually the cheaper option for drivers both with a speeding ticket and with a clean record -- their rates are around 40% more affordable for drivers with clean records and 35% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

AFR drivers who get in an accident can expect to see their prices increase by 0%, while those who have insurance through Farmers will see about a 30% increase.

Overall, the cheaper premiums come from AFR, with monthly rates averaging $98 compared to Farmers Insurance's $224.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- typically a lot more than a collision or ticket. AFR drivers usually see a 55% increase in their insurance premiums after a DUI charge, while Farmers will normally raise prices by around 27%.

How does Credit Score Impact AFR and Farmers Rates?

Often times, your credit score can come into play when companies determine your monthly bill. This isn't always the case (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it does affect lots of policyholders out there.

Car insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with less expensive rates.

Looking specifically at AFR and Farmers, which one has the cheapest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is AFR or Farmers Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a big impact on how much auto insurance companies will charge for coverage. Generally, the more miles you put on your car each year, the more you can expect to pay for coverage.

In this case, neither AFR or Farmers report increasing premiums for drivers with higher annual mileage figures. Even so, AFR comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle each year, with average rates of $137 per month for both.

AFR vs. Farmers: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a substantial impact on your monthly insurance bill. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

When comparing these two carriers side-by-side, AFR usually comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest premiums from both companies, but AFR comes out on top with average prices about $109 per month. AFR also has more affordable average rates for policyholders in urban and suburban ZIP codes -- a 35% and 26% a month respective difference when compared to Farmers drivers in similar areas.

AFR vs. Farmers Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many insurance discounts as you can.

The difficult part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Below, we've taken a look at all of the different discounts AFR and Farmers offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Farmers blows AFR away when it comes to the sheer amount of discounts available, offering 19 more discounts than AFR.

There are a couple discounts both carriers offer, but Farmers also offers ABS discounts, advance quote discounts, alternative fuel discounts, and more that AFR does not.

On the flip side, AFR has a unique discount of its own -- a new business discounts.

Final Thoughts: Is AFR or Farmers Best for You?

So, you've seen how different factors can affect your auto insurance premiums. We've shown you all the discounts each company offers, too. But, at the end of the day, is AFR or Farmers the best company for you, your vehicle, and your wallet?

AFR might be best for you if....

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You already have a great credit score.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

Farmers might be best for you if...

• You value the experience that comes with a large national insurance carrier.
• You care about discounts (Farmers offers the most).

We hope this guide helps you get a better idea of the difference between AFR and Farmers and that it aids in making a more informed decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just AFR and Farmers. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance carriers in your area, all for free.

AFR vs. Farmers FAQs

Is AFR or Farmers cheaper?

Looking just at the national average prices, AFR is the cheaper of the two companies, offering average rates of $137 per month compared to $203 for Farmers. But AFR won't necessarily be the lowest company for every driver, since there are a bunch of different variables that are considered when it comes to your auto insurance cost.

Who is better, AFR or Farmers?

Sadly, the answer truly is "it depends.". No one carrier is necessarily "better" for each driver -- it all boils down to your unique insurance profile.

Why do AFR and Farmers offer me different rates?

Car insurance carriers take a look at many different factors when calculating the rates they charge policyholders. Things such as your driving record, where you live, gender, age, and sometimes even things like your credit score can all come into play. Both AFR and Farmers calculate premiums using different variables, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a range of different companies.

How do I know if AFR or Farmers is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the best rate. And who knows, the best company for you might not be AFR or Farmers at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.