Farmers vs. Workmen’s Auto: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Workmen's Auto offers significantly cheaper prices than Farmers
• Farmers offers more affordable premiums for drivers who have less-than-stellar credit
• Workmen's Auto offers less expensive average rates for drivers who have an at-fault accident on their record

Farmers vs. Workmen's Auto: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You might have narrowed it down to Farmers or Workmen's Auto as potential options, but between the two, which carrier will offer you more affordable prices?

Looking at the national average rates for both companies, Workmen's Auto has average rates that are about 25% per month less expensive than those from Farmers.

That being said, Workmen's Auto may not be the most affordable or best option for each driver out there. Car insurance carriers use a variety of complex algorithms to calculate rates, so depending on how old you are or how good your credit score is (among a lot of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average prices from both Farmers and Workmen's Auto by multiple different rate factors, so read on to find out which carrier is the best for you.

Farmers or Workmen's Auto: Average Car Insurance Rates by State

Farmers and Workmen's Auto only compete against each other in California, where Workmen's Auto offers the cheaper average rates. For California residents, Workmen's Auto offers insurance for $151 monthly on average. Farmers's average premiums come out to be over 10% more expensive, at $168 a month.

That being said, there's a lot more that goes into your auto insurance payment than just where you call home. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. Typically, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, 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 more than $200 less a month by choosing Workmen's Auto over Farmers. It's worth noting that Farmers offers car insurance in 25 different states compared to Workmen's Auto's one, which can skew the average prices a bit, but the difference here is still considerable.

However, both companies will offer you dramatically lower rates by the time you turn 25. For example, average prices for Farmers policyholders drop over 70% and Workmen's Auto's premiums reduce nearly 60% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Farmers and Workmen's Auto specifically, which company is best for retired drivers? Workmen's Auto gets the edge here, with average rates coming in at around $124 per month compared to Farmers's $143.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are generally more expensive for single drivers than they are for married drivers? That's usually because married couples tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Workmen's Auto is the clear winner for single policyholders, with premiums about $70 per month more affordable than Farmers, on average. The advantage for married policyholders with Workmen's Auto is also obvious, where drivers save almost $30 a month.

Farmers vs. Workmen's Auto: Average Rates by Gender

You may not know, but auto insurance is normally cheaper for women than it is for men. This is because men are statistically more likely than women to get speeding tickets and get into accidents, which leads to increased risk for insurers and, therefore, higher rates.

Generally, women see premiums around $7 per month cheaper with Farmers; and with Workmen's Auto, both genders end up paying the same monthly price.

When it comes to the cheapest rates for each gender, Workmen's Auto offers the lowest average prices for both men and women, with average premiums 27% less for men and 25% cheaper for women.

Farmers or Workmen's Auto: 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.

Car insurance isn't the easiest topic to understand. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and passengers if you cause an accident) 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 limits for liability insurance, Workmen's Auto generally offers significantly less expensive prices of $67 compared to Farmers's $126. When it comes to full coverage policies with similar limits, Workmen's Auto again has the edge, with policies about $45 a month more affordable than Farmers, on average.

Is Farmers or Workmen's Auto Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their 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 accidents and tickets lead to higher rates, but which carrier -- Farmers or Workmen's Auto -- has the cheapest prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Farmers policyholders can expect their premiums to go up an average of $44 per month if they get a ticket, while Workmen's Auto typically raises rates around $34 a month, on average.

But Workmen's Auto tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering premiums that are $51 and $61 cheaper, respectively, compared to Farmers Insurance.

Which Company is Best for Drivers After an Accident?

Farmers drivers who get in a collision can expect to see their rates climb by just under 30%, while those who have insurance through Workmen's Auto will see about a 30% increase.

Overall, drivers who use Workmen's Auto end up with the cheaper prices after an accident, with monthly prices averaging $156 compared to Farmers Insurance's $224.

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 auto insurance bill. Workmen's Auto drivers usually see a 42% increase in their insurance premiums after a DUI charge, while Farmers will generally raise rates by around 27%.

Workmen's Auto has the overall most affordable prices for drivers with a DUI on their records at $191 a month, but it's worth noting that Farmers's average rates come from 25 states compared to just one for Workmen's Auto, so the data may be skewed slightly.

How does Credit Score Impact Farmers and Workmen's Auto Rates?

Did you know that many car insurance carriers take into account your credit score when calculating premiums? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it does affect quite a few policyholders out there.

The reasoning insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will normally be forced to pay more.

Looking at Farmers and Workmen's Auto specifically, which company has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have stellar credit. With Farmers Insurance, improving your score from "good" to "excellent" will usually save you about $20. On the other hand, undefined doesn't have data available for credit scores, which means they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you with Farmers Insurance. As you can see, Farmers Insurance customers with poor credit scores pay around $45 per month more than those with fair scores (and even more compared to drivers with good or excellent scores). Because undefined doesn't have data available for credit scores, they might have better rates for drivers with bad credit over Farmers Insurance.

Is Farmers or Workmen's Auto Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly auto insurance bill. That's because the more miles you put on your car each year, the more 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 Workmen's Auto, with policyholders who drive the least paying about $49 less each month compared to those who drive 12,000 miles every year. Still, Workmen's Auto is the more affordable option for drivers in both categories.

Farmers vs. Workmen's Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a large role in how much you pay for car insurance. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

When comparing these two carriers side-by-side, Workmen's Auto normally comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Workmen's Auto Insurance's average premiums are around $102 less than Farmers Insurance. Drivers in suburban ZIP codes pay about $35 less with Workmen's Auto compared to Farmers. If you live in a rural area, you can expect to save around $21 with Workmen's Auto compared to Farmers.

Farmers vs. Workmen's Auto Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible. That's where insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you qualify for.

Below, we've compared all of the different discounts offered by Farmers and Workmen's Auto so that you can see which one can save you the most money each month.

Farmers blows Workmen's Auto away when it comes to the sheer amount of discounts available, offering 24 more discounts than Workmen's Auto.

Both companies offer many of the same discounts -- like discounts for being a good driver and mature driver discounts -- but Farmers also offers ABS discounts, advance quote discounts, alternative fuel discounts, and more that Workmen's Auto does not.

On the flip side, Workmen's Auto has a couple unique discounts of its own -- driver-vehicle combination discounts and renewal discounts.

Final Thoughts: Is Farmers or Workmen's Auto Best for You?

So, you've seen how different variables can affect your auto insurance prices. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which company is the best carrier for you, your vehicle, and your wallet?

Workmen's Auto might be best for you if....

• You have a DUI charge on your record.
• You want basic car insurance coverage at the state minimum limits.
• You are over 65 years old and want to save some money on your insurance.

Farmers might be best for you if...

• Your credit is below-average.
• You have above-average credit.
• You're looking for discounts -- Farmers has the most.

We hope this guide helps you get a better idea of the difference between Farmers and Workmen's Auto. We also hope we've given you the information you need to make the best decision about your auto insurance.

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

Farmers vs. Workmen's Auto FAQs

Is Farmers or Workmen's Auto cheaper?

Looking just at the national average rates, Workmen's Auto is the cheaper of the two carriers, offering average rates of $151 a month compared to $203 for Farmers. However, Workmen's Auto won't necessarily be the most affordable carrier for each driver, since there are many different factors that come into play when it comes to your auto insurance cost.

Who is better, Farmers or Workmen's Auto?

Sadly, the real answer is "it depends.". No single company is necessarily "better" for every driver -- it all boils down to your unique car insurance profile. For example, Workmen's Auto offers less expensive premiums for drivers with a recent DUI, while Farmers is more affordable for drivers with excellent credit.

Why do Farmers and Workmen's Auto offer me different rates?

Insurance companies take a look at a lot of different variables when determining the prices they charge drivers. Things like your driving record, age, gender, where you call home, and sometimes even things like your credit score can all be used. Both Farmers and Workmen's Auto use different formulas, 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 a range of different carriers.

How do I know if Farmers or Workmen's Auto 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, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Farmers or Workmen's Auto 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.