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Both State Farm and Farmers rank among the most recognizable auto insurance companies, but they take different approaches to serving drivers. State Farm leads the industry with consistently lower premiums, while Farmers focuses on comprehensive coverage options and generous discounts.
Each company offers unique strengths that could make it the better choice depending on your specific needs, budget, and driving record. Let’s take a closer look at how the two companies compare.
State Farm typically costs less than Farmers for both liability-only and full-coverage policies.
State Farm scores higher in customer satisfaction and has a stronger financial stability rating than Farmers.
Farmers offers more discounts and coverage add-ons, which could help offset its higher rates for some drivers.
| 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. | $103/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.2 | 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 America’s largest auto insurer, serving nearly 19% of the market. The company consistently offers rates well below the national average while delivering excellent customer satisfaction.
State Farm’s financial strength rating of A++ (Superior) from AM Best gives you confidence that the insurer can pay out its claims. State Farm’s Drive Safe & Save telematics program offers discounts of up to 30% for safe drivers who don’t mind having their driving monitored.
Low average rates
High customer satisfaction
Strong financial ratings
Offers fewer discounts
Limited telematics savings
Fewer coverages available
| 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. | 4.3 /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. | $108/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. | $207/mo |
Farmers Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 3.8 | 2.9 |
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Farmers operates in most states and provides solid coverage options, though at a higher price than State Farm. The company earns decent marks for claims satisfaction and offers an impressive variety of discounts to help you reduce your premiums.
Farmers’ Signal telematics program monitors your driving with a smartphone app and rewards you with discounts of up to 25% for safe driving. While its customer satisfaction scores trail State Farm’s, Farmers maintains an A (Excellent) financial strength rating from AM Best.
Offers many different discounts
Comprehensive coverage options available
Strong claims satisfaction rating
Higher average premiums
Lower customer ratings
Smaller market presence
We included further breakdowns for different drivers in the next sections.
When choosing auto insurance, you should consider factors like cost, customer satisfaction, policy management, coverage availability, and financial strength. These can directly affect your experience as a customer and your protection after an accident.
The table below shows how State Farm and Farmers compare across five main categories, based on our proprietary Compare.com Rating system.
Category | State Farm | Farmers |
|---|---|---|
| Cost | 5.0/5 | 3.3/5 |
| Consumer Satisfaction | 4.7/5 | 3.7/5 |
| Policy Management | 5.0/5 | 4.8/5 |
| Availability | 5.0/5 | 4.7/5 |
| Industry Reputation | 5.0/5 | 3.7/5 |
| Overall Compare.com Rating | 5.00/5 | 4.28/5 |
State Farm excels across every category, particularly cost and industry reputation. The company’s massive scale allows it to offer lower rates, superior customer service, and financial stability. Farmers performs reasonably well in policy management and availability but struggles to match State Farm’s affordability and customer satisfaction.
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 thousands 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.
Insurance rates can vary dramatically from one company to the next. Insurers consider many factors when setting rates, like age, location, driving record, credit history, and vehicle type. Depending on these factors, one person might pay $100 per month and another person $300 for identical coverage.
That’s why comparison shopping becomes so important. Checking out average rates for drivers similar to you helps you find the best value. If you finance or lease your car, lenders and leasing companies usually require you to purchase full-coverage insurance to protect their investment.
The table below shows average full-coverage rates for these two companies and the overall industry averages, based on our data analysis.
Driver Type | State Farm | Farmers | Industry Average |
|---|---|---|---|
| All drivers | $103 | $207 | $184 |
| Teens | $209 | $444 | $346 |
| Seniors | $73 | $149 | $160 |
| Recent ticket | $132 | $270 | $238 |
| Recent accident | $138 | $283 | $247 |
| DUI conviction | $147 | $296 | $263 |
| Poor credit | $171 | $255 | $227 |
Policies start as low as $45 per month.
Insurance rates fluctuate significantly across state lines. Local regulations, weather patterns, population density, and accident frequencies can all affect rates. You’ll typically pay higher premiums if you live in a state with more accidents or severe weather.
The map below breaks down average full-coverage rates by state for both companies, according to Compare.com data.
State | Farmers | State Farm |
|---|---|---|
| Alabama | $179 | $98 |
| Alaska | N/A | $120 |
| Arizona | $260 | $128 |
| Arkansas | $185 | $83 |
| California | $286 | $309 |
| Colorado | $353 | $135 |
| Connecticut | N/A | $149 |
| Delaware | N/A | $159 |
| Florida | N/A | $138 |
| Georgia | N/A | $158 |
| Hawaii | N/A | $121 |
| Idaho | $162 | $51 |
| Illinois | $221 | $93 |
| Indiana | $172 | $83 |
| Iowa | $113 | $47 |
| Kansas | $223 | $99 |
| Kentucky | N/A | $156 |
| Louisiana | N/A | $119 |
| Maine | N/A | $76 |
| Maryland | N/A | $262 |
| Massachusetts | N/A | $75 |
| Michigan | N/A | $243 |
| Minnesota | $254 | $87 |
| Mississippi | N/A | $82 |
| Missouri | N/A | $130 |
| Montana | $130 | $71 |
| Nebraska | $240 | $145 |
| Nevada | $351 | $126 |
| New Hampshire | N/A | $103 |
| New Jersey | N/A | $346 |
| New Mexico | $251 | $106 |
| New York | N/A | $191 |
| North Carolina | N/A | $154 |
| North Dakota | $103 | $48 |
| Ohio | $175 | $71 |
| Oklahoma | $179 | $85 |
| Oregon | $241 | $104 |
| Pennsylvania | N/A | $101 |
| Rhode Island | N/A | $162 |
| South Carolina | N/A | $128 |
| South Dakota | $91 | $81 |
| Tennessee | $190 | $96 |
| Texas | N/A | $114 |
| Utah | $208 | $118 |
| Vermont | N/A | $38 |
| Virginia | N/A | $108 |
| Washington | $208 | $118 |
| District of Columbia | N/A | $292 |
| West Virginia | N/A | $74 |
| Wisconsin | $118 | $60 |
| Wyoming | $91 | $59 |
Auto insurance coverage types include liability, full coverage, uninsured/underinsured motorist, and add-ons like roadside assistance. Both State Farm and Farmers provide comprehensive coverage options but differ when it comes to specialized coverage.[1]
The table below lists some of the coverages each company offers, according to available information.
Coverage Type | State Farm | Farmers |
|---|---|---|
| Liability coverage | ✓ | ✓ |
| Collision coverage | ✓ | ✓ |
| Comprehensive coverage | ✓ | ✓ |
| Uninsured/underinsured motorist (UM/UIM) | ✓ | ✓ |
| Medical payments (MedPay) | ✓ | ✓ |
| Roadside assistance | ✓ | ✓ |
| Rental car reimbursement | ✓ | ✓ |
| Gap coverage | ✓ | ✓ |
| Rideshare coverage | ✓ | ✓ |
| New car replacement | ✓ | ✓ |
| Custom equipment coverage | ✓ | ✓ |
Auto insurance companies offer a variety of discounts, like safe driving, multi-policy, good grades, and vehicle safety features. Both State Farm and Farmers offer solid discount programs, but Farmers provides more options overall.
The table below lists the discounts offered by both companies, according to available information.
Discount Type | State Farm | Farmers |
|---|---|---|
| Multi-policy | ✓ | ✓ |
| Safe driver | ✓ | ✓ |
| Good student | ✓ | ✓ |
| Defensive driving course | ✓ | ✓ |
| Anti-theft device | ✓ | ✓ |
| Multi-vehicle | ✓ | ✓ |
| Accident-free | ✓ | ✓ |
| Vehicle safety features | ✓ | ✓ |
| Student away at school | ✓ | ✓ |
| Low mileage | ✓ | ✓ |
| Paid-in-full | ✓ | ✓ |
| Automatic payments | ✓ | ✓ |
| Customer loyalty | ✓ | ✓ |
| Mature driver | ✓ | ✓ |
| Military | ✓ | ✓ |
| New car | ✓ | |
| Hybrid vehicle | ✓ | |
| Vanishing deductible | ✓ |
Checking customer reviews can help you determine if an insurer meets your expectations for service and claims handling. Real customer experiences provide valuable insights that go beyond flashy marketing.
Below, you can check out real reviews for both companies from recent Compare.com customers.
The average driver saves up to $867.*
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Usage-based insurance programs track your driving through smartphone apps or devices installed in your vehicle. Your insurer then uses that information to adjust your rates based on how safely you drive. These programs typically benefit cautious drivers who don’t speed, brake hard, or drive during high-risk hours.
State Farm’s Drive Safe & Save program offers an initial enrollment discount, plus ongoing savings of up to 30% based on your driving. The program uses a Bluetooth beacon that connects to your smartphone to monitor acceleration, braking, cornering, speeding, and distracted driving.
Farmers’ Signal works similarly through a smartphone app, providing discounts of up to 25% for safe driving habits. The app tracks speed, braking patterns, and phone usage while driving, offering monthly feedback and potential discounts.
Both programs reward safe driving without penalizing poor habits, making them worth considering if you’re confident in your driving abilities.
Below, we answered some common questions about the most important considerations when comparing State Farm and Farmers.
It depends. No single company works best for every driver. Coverage needs, budgets, and policy preferences vary widely. State Farm could be a good option if you want low costs, superior customer service, and financial stability. But Farmers might be better if you’re looking for extensive discounts and specialized coverage.[2] [3]
What’s “best” depends on your specific situation, priorities, and budget. State Farm, GEICO, and Allstate consistently rank among the top performers for their affordable rates, customer satisfaction, and financial strength, based on comprehensive analysis by Compare.com.
It depends. State Farm typically offers cheaper liability and full-coverage car insurance than Farmers. But your rates depend on your age, location, driving record, vehicle type, and coverage choices.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
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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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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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