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Licensed property and casualty insurance agent
NPN: 21630969
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State Farm and Farm Bureau car insurance overlap in eight U.S. states. While both companies have strong financial profiles and offer similar telematics programs to help lower your rates, State Farm has a slight edge in discount availability and coverage options.
The best auto insurance company for you depends on your driving profile and coverage needs. We’ll compare insurance rates for State Farm and Farm Bureau across several areas so you can decide which company best suits your situation.
Farm Bureau and State Farm both offer competitive rates, but State Farm’s are cheaper, on average.
While State Farm offers rideshare endorsements and rental car reimbursement coverage, Farm Bureau doesn’t.
State Farm and Farm Bureau have comparable telematics programs that let you save money by demonstrating safe driving habits.
Affordability is often a top priority when you’re shopping for an auto insurance policy. But coverage options, discounts, and customer service ratings are also important considerations.
As you shop for insurance, remember that insurers look at your age, gender, location, vehicle, and driving record.[1] Each insurer weighs these rating factors differently, which can lead to significant variations in your quotes.
See the table below to compare how State Farm and Farm Bureau stack up across several categories.
Category  | Farm Bureau | State Farm |
|---|---|---|
| Cost | Not rated | 5/5 |
| Customer satisfaction | Not rated | 4.7/5 |
| Policy management | Not rated | 5/5 |
| Availability | Not rated | 5/5 |
| Industry reputation | Not rated | 5/5 |
| Overall Score | Not rated | 5.00/5 |
Both State Farm and Farm Bureau are insurance industry leaders with healthy financial strength ratings and solid reputations. While State Farm has a much wider coverage map and better rates, some shoppers may find that Farm Bureau is a better fit.
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of millions of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s proprietary Compare.com Rating, which highlights its overall standing among the industry’s best companies.
Iowa-based Farm Bureau Financial Services offers coverage through affiliates in eight states across the Midwest and Southwest. Farm Bureau has an A (Excellent) financial strength rating from AM Best.[2] In addition to home and renters insurance, it offers coverage for cars, recreational vehicles, and farm vehicles.
Farm Bureau receives fewer complaints than expected, as shown in National Association of Insurance Commissioners (NAIC) complaint index.[3] It also offers a competitive suite of discounts and plenty of coverage options for many drivers.
Excellent financial strength rating
Several available discounts
Safe driving program for young drivers
Rideshare endorsement not available in all areas
Limited coverage area
Higher-than-average rates
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $106/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.3 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is one of the largest and best-rated insurance companies in the country. Along with affordable premiums, State Farm has agents throughout the country — a bonus if you prefer buying a policy in person rather than online.
The company offers many car insurance discounts, including for taking a defensive driving course, being a good driver, remaining accident-free, or having a student with good grades. While State Farm offers rideshare coverage, it doesn’t offer new car replacement coverage.
Lower average rates
A+ (Superior) financial strength rating[4]
Many available agents
No new car replacement coverage
Accident forgiveness not available
Many Better Business Bureau (BBB) complaints
Each insurance company uses a different formula to calculate your premiums. Many factors in your driver profile, such as your age, gender, marital status, and driving record, affect your car insurance rates.
Even drivers with similar vehicles and driving profiles can see very different insurance premiums from one company to another. That’s why it’s essential to compare quotes from multiple insurers to find the best rate.
The following table shows average full-coverage rates from Farm Bureau, State Farm, and the larger insurance industry for various driver profiles.
Driver Type | Farm Bureau | State Farm | Industry Average |
|---|---|---|---|
| All drivers | $170 | $106 | $182 |
| Teens | $319 | $219 | $341 |
| Seniors | $148 | $75 | $158 |
| Recent ticket | $220 | $136 | $236 |
| Recent accident | $227 | $141 | $243 |
| DUI conviction | $246 | $153 | $263 |
| Poor credit | $207 | $173 | $223 |
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Accident and theft rates vary widely by state, as do minimum coverage requirements and the prevalence of uninsured drivers. Together, these factors affect average costs by state.
The table below shows average full-coverage rates by state for Farm Bureau and State Farm.
State | Farm Bureau | State Farm |
|---|---|---|
| Alabama | $128 | $99 |
| Alaska | $106 | $126 |
| Arizona | $157 | $136 |
| Arkansas | $145 | $91 |
| Colorado | $185 | $129 |
| Florida | $203 | $145 |
| Georgia | $241 | $148 |
| Idaho | $99 | $54 |
| Illinois | $148 | $95 |
| Indiana | $122 | $89 |
| Iowa | $93 | $48 |
| Kansas | $137 | $104 |
| Kentucky | $184 | $168 |
| Louisiana | $180 | $120 |
| Michigan | $210 | $244 |
| Minnesota | $157 | $95 |
| Mississippi | $133 | $84 |
| Missouri | $170 | $134 |
| Montana | $127 | $73 |
| Nebraska | $125 | $147 |
| Nevada | $228 | $119 |
| New Mexico | $123 | $123 |
| North Dakota | $108 | $50 |
| Oklahoma | $153 | $76 |
| Oregon | $149 | $115 |
| South Carolina | $226 | $127 |
| South Dakota | $139 | $90 |
| Tennessee | $128 | $103 |
| Texas | $201 | $110 |
| Utah | $139 | $124 |
| Virginia | $172 | $108 |
| Washington | $162 | $117 |
| Wisconsin | $110 | $67 |
| Wyoming | $97 | $57 |
While every auto insurance company offers state-minimum liability coverage, other coverages may vary by insurer. The availability of these add-ons might influence your decision, so it’s helpful to evaluate each company based on its coverage options.
The table below highlights the coverage options available from Farm Bureau and State Farm.
Coverage Type | Farm Bureau | State Farm |
|---|---|---|
| Comprehensive | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Personal injury protection (PIP) | ✔ | ✔ |
| Uninsured/underinsured motorist (UI/UM) | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ||
| Accident forgiveness | ✔ | |
| Mechanical breakdown | ||
| Rideshare endorsement | ✔ | ✔ |
| Vanishing deductibles | ✔ | |
| New car replacement | ✔ | |
| Pet injury | ✔ | ✔ |
State Farm and Farm Bureau each offer competitive coverage options. Keep in mind that Farm Bureau’s add-ons like rental reimbursement, accident forgiveness, rideshare endorsement, and vanishing deductibles are state-specific, so check your options locally before making a decision.
One notable difference is that Farm Bureau offers a replacement cost coverage endorsement, which pays to replace your newer car with the same make and model if you total it. State Farm doesn’t offer this coverage.
Discounts can lower your car insurance premiums. For example, many insurers offer savings for paying your premium in full, being a good driver, and bundling home and auto insurance.
Because each insurer offers a different set of discounts, it’s important to compare insurance companies to maximize your savings. Ask every insurance agent you speak with to give you a full list of available discounts, as you may qualify for savings you didn’t know existed.
The following table shows discounts available from State Farm and Farm Bureau, based on information from each company’s website.
Discount Type | Farm Bureau | State Farm |
|---|---|---|
| Affinity | ✔ | |
| Anti-theft | ✔ | ✔ |
| Claim-free | ✔ | ✔ |
| Defensive driver (drivers younger than 25) | ✔ | ✔ |
| Defensive driver (all drivers) | ✔ | ✔ |
| Good student | ✔ | ✔ |
| Low mileage | ✔ | ✔ |
| Multi-policy | ✔ | ✔ |
| Multi-vehicle | ✔ | ✔ |
| Pay-in-full | ✔ | |
| Safe driver | ✔ | ✔ |
| Safety equipment | ✔ | ✔ |
| Student away at school | ✔ | |
| Usage-based/telematics | ✔ | ✔ |
State Farm has a slight edge on Farm Bureau in terms of the number of available discounts. Drivers should note that Farm Bureau doesn’t offer anti-theft, defensive driver, or safety equipment discounts in every state. Discount amounts may vary, and each company’s discount offerings may fit some drivers better than others.
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Many car insurance companies offer usage-based insurance, which typically uses smartphone app-based programs that monitor your driving habits.
You’ll usually get a discount just for signing up. The app then collects data that can lead to further discounts based on your driving behavior.
State Farm and Farm Bureau both offer usage-based programs. Each comes with a 10% discount for participation.
State Farm’s Drive Safe & Save advertises an overall discount of up to 30% and is best suited for low-mileage drivers.
Farm Bureau’s Driveology program is similar, though it doesn’t specify an upper limit on the discount that you might receive. But Farm Bureau claims that drivers using Driveology save about $321 per year per vehicle.
For more information on Farm Bureau vs. State Farm, see the answers to the most commonly asked questions below.
State Farm and Farm Bureau are leading insurance companies with plenty of discounts and options for auto insurance coverage. But State Farm has a wider coverage area and lower average rates. The best insurance company for you depends on your personal needs.
No single insurance company is the best for everyone. The insurer that’s best for you depends on the discounts you qualify for, the coverages you need, and what you value in a company. Comparing quotes and reading online reviews can help you find the right match.
State Farm is cheaper, on average, than Farm Bureau. But since each driver’s situation is different, you won’t know which company’s rates are cheaper until you get quotes from both.
Yes. Farm Bureau has a solid A (Excellent) AM Best financial strength rating, and its members also have access to exclusive benefits.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Licensed property and casualty insurance agent
NPN: 21630969
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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