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

So, you're in the market for a new auto insurance policy. You may have even narrowed down your search to Farmers Automobile and General Casualty. But which of these two companies is the best one for you? Read on to find which company has the best prices and biggest discounts.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, Farmers Automobile offers cheaper premiums than General Casualty
  • Farmers Automobile tends to be a much less expensive option for couples purchasing car insurance together
  • General Casualty offers more discounts than Farmers Automobile Insurance Association


Farmers Automobile vs. General Casualty: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering sizable discounts. But exactly how much can you save by switching?

You might have narrowed your search down to Farmers Automobile or General Casualty as potential options, but which carrier has more affordable rates for auto insurance?

Farmers Automobile General Casualty
$123$139

Looking at nationwide averages, Farmers Automobile is about $16 per month less expensive than General Casualty.

Even so, that doesn't necessarily mean Farmers Automobile will be the cheaper option for every driver. Car insurance companies use a variety of complex algorithms to calculate prices, so depending on how good your credit score is or how clean your driving record is (among a wide array of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average rates from both Farmers Automobile and General Casualty by a variety of different rate factors, so read on to find out which carrier is the best for you.

Farmers Automobile or General Casualty: Average Car Insurance Rates by State

State Farmers Automobile General Casualty
IL$136$154

Farmers Automobile and General Casualty only compete against each other in one states, with Farmers Automobile offering more affordable premiums to the average driver in all of them. Illinois has the most noticable difference, where Farmers Automobile prices are over 10% cheaper than insurance rates at General Casualty.

But there's more to auto insurance than just where you call home. As we mentioned above, there's a lot of things that go into how car insurance carriers determine your premiums. Read on to find out more.


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Which is the Best Company For Young Drivers?

Farmers Automobile General Casualty
18-year-old drivers$274$266
25-year-old drivers$103$114

You might already know that teen drivers normally pay a lot more for insurance than any other group of drivers. It's because 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 that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of nearly $10 less a month by choosing General Casualty over Farmers Automobile.

However, with both companies, you'll see your prices reduce significantly by the time you turn 25. General Casualty offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Farmers Automobile still has the lowest rates at $103 a month.

Which is the Best Company for Retired Drivers?

Farmers Automobile General Casualty
65+-year-old drivers$96$124

Drivers around retirement age usually enjoy some of the most affordable insurance premiums you can find. After all, they've likely been driving for quite some time, which typically decreases their chances of accidents and other infractions that can increase rates.

When looking at Farmers Automobile and General Casualty specifically, which company is best for retired drivers? Farmers Automobile gets the edge, with prices for drivers 65 and older $28 less expensive than the national average for General Casualty.

Which is the Best Company for Married Drivers?

Farmers Automobile General Casualty
Single$144$161
Married$95$110

Did you know that car insurance rates are generally more affordable for married policyholders than they are for those who are single? This usually boils down to married couples having more than one car on their policy -- something lots of insurance carriers will reward with discounts.

When it comes to relationship status, Farmers Automobile is the clear winner for single policyholders, with premiums around $17 per month cheaper than General Casualty, on average. For married drivers, the advantage is clear again - Farmers Automobile has the edge when it comes to average prices.

Farmers Automobile vs. General Casualty: Average Rates by Gender

Farmers Automobile General Casualty
Male$123$146
Female$122$132

Men are statistically more likely than women to get into collisions and get tickets, which means they'll normally end up paying more for auto insurance than women.

On average, men see premiums about 1% a month higher with Farmers Automobile, and around 10% more with General Casualty.

Looking at the data for each carrier specifically, Farmers Automobile offers the cheapest average prices for both men and women. On average, male drivers save about $23 per month and women save about $10 with Farmers Automobile compared to the average General Casualty policyholder.


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

Farmers Automobile General Casualty
State Minimum*$75$82
Full Coverage**$170$195

*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 terms and limits that it can make it pretty confusing to find the right policy.

That being said, most policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages alongside what you get with a liability policy).

If you're looking for state minimum liability insurance, Farmers Automobile typically offers slightly less expensive rates of $75 compared to General Casualty's $82. When it comes to full coverage policies with similar limits, Farmers Automobile again has the edge, with policies around $25 a month more affordable than General Casualty, on average.

Is Farmers Automobile or General Casualty Better for Drivers with Spotty Records?

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

It's no secret secret that at-fault collisions and tickets lead to higher rates, but which company -- Farmers Automobile or General Casualty -- has the lowest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Farmers Automobile General Casualty
Clean Record$87$90
1 Speeding Ticket$109$133

Farmers Automobile policyholders can expect their premiums to go up an average of $22 per month if they get a ticket, while General Casualty usually raises rates about $43 a month, on average.

Even so, Farmers Automobile tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save around $3 per month and drivers with a ticket can save about $24 a month with Farmers Automobile Insurance Association.

Which Company is Best for Drivers After an Accident?

Farmers Automobile General Casualty
Clean Record$87$90
1 At-Fault Accident$117$146

Farmers Automobile drivers who get in a collision can expect to see their prices rise by $30, while those who have insurance through General Casualty will see around a $55 increase.

Overall, drivers who use Farmers Automobile end up with the cheaper prices after an accident, with monthly premiums averaging $117 compared to General Casualty's $146.

Which Company is Best for Drivers with a DUI?

Farmers Automobile General Casualty
Clean Record$87$90
1 DUI$178$186

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your auto insurance bill. On average, General Casualty will raise your prices about 52% after a DUI, while Farmers Automobile's average rates increase by over 50%.

If you have a DUI on your record and are looking for more affordable premiums, Farmers Automobile tends to be the much less expensive option with average rates of $178 per month compared to $186 from General Casualty.


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How does Credit Score Impact Farmers Automobile and General Casualty Rates?

Did you know that many car insurance carriers take into account your credit score when calculating prices? This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it will come into play for a lot of policyholders.

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

So, which carrier offers the best premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Farmers Automobile General Casualty
Excellent Credit Score$80$103
Good Credit Score$99$118

Which Company is Best for Drivers with Bad Credit?

Farmers Automobile General Casualty
Fair Credit Score$123$139
Poor Credit Score$189$195

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

Farmers Automobile General Casualty
6,000 Annual Miles$112$139
12,000 Annual Miles$133$139

The amount of time you spend behind the wheel of your car plays a big role in your monthly rates. Typically, those who drive less will end up with cheaper prices since there's less of a chance of getting into an accident and causing an insurance claim.

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

Farmers Automobile vs. General Casualty: 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 insurance, but the type of area you live in can have a pretty big impact as well. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Farmers Automobile General Casualty
Urban Areas$192$151
Suburban Areas$92$134
Rural Areas$84$131

When comparing these two carriers side-by-side, Farmers Automobile boasts the most affordable average rates in rural and suburban areas, while General Casualty wins in urban areas.

If you live in a rural area, you can expect to pay about $84 monthly with Farmers Automobile and $131 with General Casualty. Drivers in suburban ZIP codes pay a monthly premium of around $92 with Farmers Automobile compared to $134 with General Casualty. For drivers in urban ZIP codes, General Casualty's average prices are about $151 per month compared to Farmers Automobile's $192.

Farmers Automobile vs. General Casualty 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.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you qualify for.

In the table below, we've broken down all of the different discounts offered by both Farmers Automobile and General Casualty so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Farmers Automobile General Casualty
Advance Quote Discount
Anti-Theft Discount
Defensive Driver Discount
Distant Student Discount 
EFT Discount 
Employee Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Hybrid Vehicle Discount 
Multi-Car Discount 
Multi-Policy Discount
New Vehicle Discount 
Occupation Discount 
Paid In Full Discount
Passive Restraint Discount 
Seat Belt Discount 

Overall, General Casualty comes out ahead with 12 discounts to Farmers Automobile's 11.

Both companies offer a lot of the same discounts -- like advance quote discounts, anti-theft discounts, and discounts for being a good student -- but General Casualty also offers distant student discounts, employee discounts, good driving discounts, and more that Farmers Automobile does not.

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


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

So, we've broken down the average premiums for many of the factors car insurance carriers look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, is Farmers Automobile or General Casualty the right company for you and your specific profile and needs?

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

  • You've been pulled over for speeding recently.
  • You're worried about the impact your credit score will have on your rates.
  • Your neighborhood is in a rural area.


General Casualty might be best for you if...

  • You're looking for discounts -- General Casualty has the most.
  • Your home is in a busy urban area.
  • You're buying auto insurance for a teen and looking for a wallet-friendly option.

We hope this guide helps you get a good idea of the differences between Farmers Automobile and General Casualty and that it aids in making a more informed decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Farmers Automobile and General Casualty. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance carriers in your area, all for free.


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Farmers Automobile vs. General Casualty FAQs

Is Farmers Automobile or General Casualty cheaper?

Looking just at the national average prices, Farmers Automobile is the more affordable of the two companies, offering average rates of $123 a month compared to $139 for General Casualty. However, Farmers Automobile won't necessarily be the lowest company for every driver, since there are multiple different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Farmers Automobile or General Casualty?

Sadly, the real answer is "it depends.". No single carrier is "better" for each driver -- it all depends on what your unique auto insurance profile looks like.

Why do Farmers Automobile and General Casualty offer me different rates?

Insurance carriers take a look at quite a few different factors when determining the premiums they charge policyholders. Variables like where you call home, where you park your car, age, gender, and sometimes even things like your credit score can all come into play. Both Farmers Automobile and General Casualty calculate rates differently, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from several different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the most affordable price. And who knows, the best company for you might not be Farmers Automobile or General Casualty 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.

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