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

If you're in the market for a new car insurance policy, you might be wondering how Farmers and Farmers Automobile compare when it comes to the cheapest rates and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, Farmers Automobile offers significantly less expensive prices than Farmers
  • Farmers Automobile tends to be a much more affordable option for policyholders who live in the suburbs
  • Farmers offers more discounts than Farmers Automobile Insurance Association

Farmers Automobile 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 huge discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Farmers Automobile or Farmers, but which company will offer you cheaper premiums?

Farmers Automobile Farmers

As you can see, Farmers has average rates that are about 40% per month more expensive than those from Farmers Automobile when looking at the national average rates for auto insurance.

But that doesn't mean Farmers Automobile will necessarily be more affordable than Farmers for every driver. Car insurance companies vary their prices depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and a ton of other factors, so rates will vary quite a bit from person to person.

Wanting to know if Farmers Automobile or Farmers is really the right company for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Farmers Automobile or Farmers: Average Car Insurance Rates by State

State Farmers Automobile Farmers

Farmers Automobile and Farmers only compete against each other in three states, with Farmers Automobile offering less expensive rates to the average driver in all of them. Illinois has the most noticable difference, where Farmers Automobile prices are over 70% cheaper than auto insurance premiums at Farmers.

There's a lot more that goes into your insurance bill than just the state you live in. Read on to find out more.

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Which is the Best Company For Young Drivers?

Farmers Automobile Farmers
18-year-old drivers$274$533
25-year-old drivers$103$155

Teen drivers will almost always have the most expensive auto insurance rates of any other group of drivers. That's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Farmers Automobile for their insurance pay more than $250 less than those who use Farmers.

However, both carriers will offer you dramatically lower premiums by the time drivers turn 25. For example, average rates for Farmers Automobile policyholders decrease over $150 and Farmers's premiums drop nearly $400 over that time.

Which is the Best Company for Retired Drivers?

Farmers Automobile Farmers
65+-year-old drivers$96$143

Drivers around retirement age usually enjoy some of the lowest car insurance prices you can find. After all, they've likely been driving for quite some time, which normally lowers their chances of accidents and other infractions that can increase rates.

So, which carrier offers the best premiums to retired drivers? Farmers Automobile gets the edge here, with average prices coming in at around $96 per month compared to Farmers's $143.

Which is the Best Company for Married Drivers?

Farmers Automobile Farmers

Married policyholders tend to get slightly more affordable insurance rates than single drivers. That's typically because married drivers tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Farmers Automobile is the clear winner for those who are single, with prices about $101 a month less expensive than Farmers, on average. For married couples, the advantage is clear again - Farmers Automobile has the edge when it comes to average premiums.

Farmers Automobile vs. Farmers: Average Rates by Gender

Farmers Automobile Farmers

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

Usually, women see rates around 1% per month less with Farmers Automobile, while with Farmers, the difference is closer to 3% a month.

When it comes to the most affordable prices for each gender, Farmers Automobile comes out on top for both men and women. On average, male drivers save about $84 per month and women save about $78 with Farmers Automobile compared to the average Farmers policyholder.

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

Farmers Automobile Farmers
State Minimum*$75$126
Full Coverage**$170$281

*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.

It's no secret that auto insurance can be a complicated subject for most people. There are a bunch of different coverages that account for lots 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.

Even so, the most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, Farmers Automobile normally offers significantly cheaper premiums of $75 compared to Farmers's $126. When it comes to full coverage policies with similar limits, Farmers Automobile again has the edge, with policies around $100 a month less expensive than Farmers, on average.

Is Farmers Automobile 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.

It's no secret secret that tickets and accidents lead to higher rates, but which company -- Farmers Automobile or Farmers -- has the cheapest premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Farmers Automobile Farmers
Clean Record$87$162
1 Speeding Ticket$109$206

Farmers Automobile policyholders can expect their prices to go up an average of $22 per month if they get a ticket, while Farmers usually raises premiums about $44 a month, on average.

That being said, Farmers Automobile is typically the more affordable option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 46% cheaper for drivers with clean records and 47% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Farmers Automobile Farmers
Clean Record$87$162
1 At-Fault Accident$117$224

Farmers Automobile drivers who get in an accident can expect to see their prices climb by $30, while those who have insurance through Farmers will see around a $60 increase.

Overall, the more affordable rates come from Farmers Automobile, with monthly prices averaging $117 compared to Farmers Insurance's $224.

Which Company is Best for Drivers with a DUI?

Farmers Automobile Farmers
Clean Record$87$162
1 DUI$178$221

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. Farmers Automobile drivers usually see a 51% increase in their insurance rates after a DUI charge, while Farmers will generally raise premiums by about 27%.

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How does Credit Score Impact Farmers Automobile and Farmers Rates?

Did you know that many auto insurance companies take your credit score into account when calculating rates? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for a lot of policyholders.

The reasoning insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with cheaper prices.

Looking at Farmers Automobile and Farmers specifically, which carrier has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Farmers Automobile Farmers
Excellent Credit Score$80$164
Good Credit Score$99$185

Which Company is Best for Drivers with Bad Credit?

Farmers Automobile Farmers
Fair Credit Score$123$209
Poor Credit Score$189$256

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

Farmers Automobile Farmers
6,000 Annual Miles$112$203
12,000 Annual Miles$133$203

How much you drive can have a large impact on your monthly car insurance cost. That's because the fewer miles you drive, the less likely you are to get into an accident and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Farmers charges. However, there's a significant difference in monthly prices for Farmers Automobile, with drivers who put 6,000 miles on their car annually paying around $21 less each month compared to those who drive 12,000 miles yearly. Still, Farmers Automobile is the more affordable option for drivers in both categories.

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

Where you park your vehicle can have a substantial impact on your monthly auto insurance payment. Generally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because there are a lot fewer cars on the road in those areas, which reduces the chances of an accident.

Farmers Automobile Farmers
Urban Areas$192$251
Suburban Areas$92$189
Rural Areas$84$170

When comparing these two carriers side-by-side, Farmers Automobile usually comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest rates from both companies, but Farmers Automobile comes out on top with average prices about $84 monthly. Farmers Automobile also has less expensive average premiums for policyholders in urban and suburban ZIP codes -- a $59 and $97 per month respective difference when compared to Farmers drivers in similar areas.

Farmers Automobile vs. Farmers Discounts

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

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

Below, we've taken a look at all of the different discounts Farmers Automobile and Farmers offer their customers so that you can see which one can save you the most money each month.

Farmers Automobile Farmers
ABS Discount 
Advance Quote Discount
Alternative Fuel Discount 
Anti-Theft Discount
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount 
EFT Discount
ESC Discount 
Good Driving Discount 
Good Payer Discount 
Good Student Discount
Group Discount
Homeowner Discount 
Hybrid Vehicle Discount 
Life Policy Discount 
Loyalty Discount 
Mature Driver Discount 
Multi-Car Discount
Multi-Policy Discount

Farmers blows Farmers Automobile away when it comes to the sheer amount of discounts available, offering 17 more discounts than Farmers Automobile.

There are a couple discounts both carriers offer, but Farmers also offers ABS discounts, alternative fuel discounts, distant student discounts, and more that Farmers Automobile does not.

On the flip side, Farmers Automobile has a couple unique discounts of its own -- hybrid vehicle discounts and seat belt discounts.

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Final Thoughts: Is Farmers Automobile or Farmers Best for You?

You've seen the role certain factors have on your insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, is Farmers Automobile or Farmers the best fit for you?

Farmers Automobile might be best for you if....

  • You have received a ticket within the last few years.
  • Your home is located in the suburbs.
  • You are purchasing your auto insurance with a spouse.

Farmers might be best for you if...

  • You value the experience that comes with a large national car insurance carrier.
  • You're looking for the company with the most discounts.

We hope this guide helps you get a better idea of the difference between Farmers Automobile and Farmers. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from a handful of carriers, not just Farmers Automobile and Farmers. Luckily, sites like make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

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Farmers Automobile vs. Farmers FAQs

Is Farmers Automobile or Farmers cheaper?

Looking just at the national average rates, Farmers Automobile is the more affordable of the two carriers, offering average rates of $123 a month compared to $203 for Farmers. But Farmers Automobile won't necessarily be the most affordable carrier for everyone, since there are several different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Farmers Automobile or Farmers?

Sadly, the only answer we can give you is "it depends.". No one company is necessarily "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

Why do Farmers Automobile and Farmers offer me different rates?

Insurance companies take a look at many different factors when determining the prices they charge policyholders. Variables such as gender, age, where you live, your driving record, and sometimes even things like your credit score can all come into play. Both Farmers Automobile and Farmers calculate premiums differently, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from many different carriers.

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

The only way to find the car 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, does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Farmers Automobile or Farmers at all!


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.

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