Emc vs. State Farm: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Emc offers significantly more affordable premiums than State Farm
• Emc offers more affordable prices for policyholders who drive fewer than 6,000 miles every year
• State Farm may help you save more money -- they offer more discounts than EMC Insurance

Emc or State Farm: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering huge savings, you're probably wondering exactly how much you might be able to save.

You might be considering Emc or State Farm as potential options, but between the two, which carrier will offer you less expensive premiums?

Looking at the national average rates for both carriers, State Farm is quite a bit more expensive than Emc, with rates averaging $158 a month compared to just $71 with Emc.

Even so, Emc may not be the most affordable or best option for every single driver out there. Auto insurance companies use tons of complex algorithms to determine premiums, so depending on how old you are or how clean your driving record is (among a multitude of other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average rates from both Emc and State Farm by a variety of different rate factors, so read on to find out which company is the best for you.

Emc vs. State Farm: Average Car Insurance Rates by State

Emc and State Farm only compete against each other in Nebraska, where Emc offers the cheaper average prices. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their car insurance.

But there's more to calculating insurance premiums than just where you live. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any group on the road. It's typically because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Emc save over 60% a month compared to those who use State Farm.

But with both carriers, you'll see your rates lower significantly by the time you turn 25. For example, average prices for Emc policyholders decrease almost 45% and State Farm's rates reduce nearly 60% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the lowest insurance premiums you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

When looking at Emc and State Farm specifically, which carrier is best for retired drivers? Emc gets the edge, with premiums for drivers 65 and older $63 cheaper than the national average for State Farm.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be less expensive for married couples than they are for those who are single. That's generally because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average prices between these two companies is significant, with Emc premiums coming in at around half of State Farm's. For married policyholders, the advantage is clear again - Emc has the edge when it comes to average prices.

Emc or State Farm: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim, which means they'll usually end up paying more for insurance than women.

On average, men see rates about $7 per month higher with Emc, but with State Farm, the difference is closer to $12 a month.

Looking at the data for each company specifically, Emc comes out on top for both men and women, with average premiums $89 less for men and $84 cheaper for women.

Emc vs. State Farm: 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, car insurance isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages in addition to what you get with a liability policy).

Looking specifically at state minimum liability insurance, Emc has the significant edge, with average monthly prices coming in at $24. If you want a full coverage policy with the same state minimum limits, Emc again has the edge, with policies averaging around $118 per month to State Farm's $216.

Is Emc or State Farm Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Accidents and speeding tickets will most likely raise your premiums, but is Emc or State Farm more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Emc for their insurance can typically expect their monthly bill to go up about 4% after getting a speeding ticket. State Farm policyholders can expect a bit more drastic of an increase of around 14%.

That being said, Emc has cheaper prices for drivers in both categories, offering rates that are 50% and 55% more affordable, respectively, compared to State Farm.

Which Company is Best for Drivers After an Accident?

Emc drivers who get in an accident can expect to see their premiums rise by just under 10%, while those who have insurance through State Farm will see about a 20% increase.

At the end of the day, drivers who use Emc end up with the cheaper prices after an accident, with average rates coming in at $74 compared to State Farm's $163.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your car insurance bill. For example, State Farm increases average prices by $45 a month -- that's more than a 25% increase.

How does Credit Score Impact Emc and State Farm Rates?

Did you know many auto insurance companies take your credit score into account when determining premiums? This isn't true for everyone (for example, Michigan and Massachusetts are two states that ban the practice entirely), but it will come into play for lots of policyholders.

Car insurance carriers argue that those with good credit scores are more likely to pay their bills on time each month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

Looking at Emc and State Farm specifically, which company has the cheapest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Emc or State Farm Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a pretty big impact on how much insurance companies will charge for coverage? Usually, those who drive fewer miles will end up with cheaper rates since there's less of a chance of causing a collision and filing an insurance claim.

For both remote workers and those taking short commutes, Emc tends to be the less expensive option. State Farm average prices for drivers with 6,000 annual miles come in around $87 more expensive than Emc. Those who drive 12,000 miles yearly can expect to pay about $85 more with State Farm over Emc.

Emc or State Farm: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a sizable impact as well. Generally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer cars on the road where they live, which lowers the chances of an accident.

Emc boasts the most affordable average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, EMC Insurance's average prices are around $110 less than State Farm. People who live in suburban areas pay about $89 less with Emc compared to State Farm. Those in rural areas can expect to save around $59 with Emc compared to State Farm.

Emc vs. State Farm Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to find all the ones you qualify for or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Emc and State Farm so that you can easily see which company offers the most discounts and, therefore, the largest savings.

State Farm blows Emc away when it comes to the sheer amount of discounts available, offering 23 different discounts to Emc's 13.

Both carriers offer several of the same discounts -- like ABS discounts, distant student discounts, discounts for being a good driver, and multi-policy discounts -- but State Farm also offers discounts for annual mileage, defensive driver, drive safe & save, and more.

On the other hand, Emc has a few proprietary discounts of their own for things like advance quote discounts, EFT discounts, telematics discounts, and more.

Final Thoughts: Is Emc or State Farm Best for You?

You've seen the role certain factors have on your car insurance and the different discounts companies offer. That's all well and good, but at the end of the day, is Emc or State Farm the right one for you and your specific driver profile?

Emc might be best for you if....

• Your driving record includes a DUI charge.
• Your home is in a busy urban area.
• You and your spouse are buying insurance together.

State Farm might be best for you if...

• You're thinking about moving to another state -- undefined only offers policies in.
• You care about discounts (State Farm offers the most).

Hopefully, this guide helps you get a good idea of the differences between Emc and State Farm. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just Emc and State Farm. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Emc vs. State Farm FAQs

Is Emc or State Farm cheaper?

Emc is the cheaper of the two carriers when looking at national average premiums, with policies averaging $71 per month with Emc and $158 for State Farm. However, that doesn't mean Emc will be the cheapest carrier for every policyholder, since there are several different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Emc or State Farm?

Unfortunately, the real answer is "it depends.". No single company is "better" for each policyholder -- it all comes down to what your unique auto insurance profile looks like.

Why do Emc and State Farm offer me different rates?

Car insurance companies use quite a few different factors when calculating the rates they charge. Variables like where you live, age, where you park your vehicle, gender, and sometimes even things like your credit score can all be taken into consideration. Both Emc and State Farm calculate premiums using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from many different carriers.

How do I know if Emc or State Farm is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Emc or State Farm at all, but another you hadn't even thought of!

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.