Farmers Mutual of Tennessee vs. State Auto: Which Company is the Best Fit for You?

Quick Facts

• In general, Farmers Mutual of Tennessee offers significantly cheaper rates than State Auto
• Farmers Mutual of Tennessee offers more affordable premiums for policyholders who are looking to purchase insurance with a spouse
• State Auto may help you save more money -- they offer more discounts than Farmers Mutual of Tennessee

Farmers Mutual of Tennessee or State Auto: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Farmers Mutual of Tennessee or State Auto as your top options, but between the two, which carrier has less expensive prices for insurance?

Looking at nationwide averages, State Auto has average rates that are around 60% a month more expensive than those from Farmers Mutual of Tennessee.

But that doesn't mean Farmers Mutual of Tennessee will necessarily be more affordable than State Auto for each driver. Car insurance carriers vary their premiums depending on things like how good your credit score is, where you live, how old you are, how clean your driving record is, and tons of other factors, so rates could vary drastically from person to person.

Luckily, we've broken down average premiums from both Farmers Mutual of Tennessee and State Auto by a variety of different rate factors, so read on to find out which company is the best for you.

Farmers Mutual of Tennessee vs. State Auto: Average Car Insurance Rates by State

Farmers Mutual of Tennessee and State Auto only compete against each other in Tennessee, where Farmers Mutual of Tennessee offers the cheaper average prices. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their insurance.

That being said, there's a lot more that goes into your auto insurance payment than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. Normally, that's because teen 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 rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Farmers Mutual of Tennessee for their insurance pay over 70% less than those who use State Auto.

Even so, both companies will offer you dramatically lower premiums by the time you turn 25. For example, average rates for Farmers Mutual of Tennessee policyholders lower more than 55% and State Auto's prices drop almost 75% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest auto insurance rates you can find. After all, they've likely been driving for quite some time, which typically lowers their chances of collisions and other infractions that can raise prices.

When looking at Farmers Mutual of Tennessee and State Auto specifically, which carrier is best for retired drivers? Farmers Mutual of Tennessee gets the edge here, with average premiums coming in at about $67 per month compared to State Auto's $167.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be cheaper for married drivers than they are for those who are single. That's normally because married policyholders tend to own and insure several vehicles, which can often earn you a discount.

For single policyholders, the difference in average prices between these two carriers is significant, with Farmers Mutual of Tennessee premiums coming in at around a third of State Auto's. The advantage for married couples with Farmers Mutual of Tennessee is also obvious, where drivers save about $95 a month.

Farmers Mutual of Tennessee or State Auto: Average Rates by Gender

Men tend to pay more for insurance than women. This is because men are statistically more likely than women to get into a collision or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher rates.

Women generally pay around $15 per month less than men with Farmers Mutual of Tennessee, and about $24 less with State Auto.

Looking at the data for each company specifically, Farmers Mutual of Tennessee comes out as the most affordable option for both genders, with average prices $163 less for men and $156 cheaper for women.

Farmers Mutual of Tennessee vs. State 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.

For most people, auto insurance isn't the easiest topic to understand. There are a range of different coverages that account for multiple different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside liability coverage).

Looking specifically at state minimum liability insurance, Farmers Mutual of Tennessee has the significant edge, with average monthly premiums coming in at $44. If you want a full coverage policy with the same state minimum limits, Farmers Mutual of Tennessee again has the edge, with policies averaging around $155 a month to State Auto's $369.

Is Farmers Mutual of Tennessee or State Auto Better for Drivers with Spotty Records?

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

You'll probably end up paying more with at-fault accidents and speeding tickets on your record, but which of these two carriers offers the lowest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Farmers Mutual of Tennessee insurance policies don't report seeing their premiums increase after getting a ticket, but State Auto policyholders can expect to see their monthly bill increase by about $50.

That being said, Farmers Mutual of Tennessee has less expensive rates for drivers in both categories -- their rates are around 49% more affordable for drivers with clean records and 61% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Farmers Mutual of Tennessee drivers who get in an accident can expect to see their premiums increase by $3, while those who have insurance through State Auto will see around a $100 increase.

At the end of the day, drivers who use Farmers Mutual of Tennessee end up with the cheaper prices after an accident, with average prices coming in at $89 compared to State Auto Insurance's $269.

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 speeding ticket when it comes to your auto insurance bill. On average, State Auto will increase your premiums about 55% after a DUI, while Farmers Mutual of Tennessee's average prices climb by more than 35%.

But if you end up with a DUI charge and are looking for more affordable rates, Farmers Mutual of Tennessee tends to be less expensive for the average driver, with monthly premiums coming in at around $137 to State Auto's $380.

How does Credit Score Impact Farmers Mutual of Tennessee and State Auto Rates?

Did you know many car insurance companies take your credit score into account when determining premiums? This isn't true for everyone (for example, Hawaii and California are two states that ban the practice entirely), but it will come into play for lots of policyholders.

Auto insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with more affordable prices.

Looking specifically at State Auto and Farmers Mutual of Tennessee, which company has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Farmers Mutual of Tennessee or State Auto Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a big impact on your monthly prices. Typically, those who drive fewer miles will end up with cheaper rates since there's less of a chance of causing a collision and filing an insurance claim.

In this case, neither Farmers Mutual of Tennessee or State Auto report increasing premiums for drivers with higher annual mileage figures. That being said, Farmers Mutual of Tennessee comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average prices of $100 per month for both.

Farmers Mutual of Tennessee or State Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can play a sizable role in how much you pay for insurance. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

When comparing these two companies side-by-side, Farmers Mutual of Tennessee typically comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save about 60% with Farmers Mutual of Tennessee compared to State Auto. People who live in suburban areas pay around 60% less with Farmers Mutual of Tennessee compared to State Auto. For drivers in urban ZIP codes, Farmers Mutual of Tennessee's average premiums are about 64% less than State Auto Insurance.

Farmers Mutual of Tennessee vs. State Auto Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

The hard part is finding all of the discounts you qualify for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and looked at all of the different discounts Farmers Mutual of Tennessee and State Auto offer their customers so that you can see which one can save you the most money each month.

State Auto blows Farmers Mutual of Tennessee away when it comes to the sheer amount of discounts available, offering 13 more discounts than Farmers Mutual of Tennessee.

Both carriers offer lots of the same discounts -- like discounts for being a defensive driver, discounts for insuring multiple cars with the same company, and multi-policy discounts -- but State Auto also offers discounts for ABS, advance quote, advantage program , and more.

On the other hand, Farmers Mutual of Tennessee has a proprietary discount of their own -- a forgiveness discounts.

Final Thoughts: Is Farmers Mutual of Tennessee or State Auto Best for You?

So, you've seen how different variables can affect your auto insurance rates. We've shown you all the discounts each company offers, too. That's all well and good, but at the end of the day, which carrier is the right company for you and your specific profile and needs?

Farmers Mutual of Tennessee might be best for you if....

• You will be the only person on the insurance policy.
• You want to save money while purchasing car insurance for a teenager.

State Auto might be best for you if...

• You care about discounts (State Auto offers the most).

Hopefully, this guide helps you get a good idea of the differences between Farmers Mutual of Tennessee and State Auto. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just Farmers Mutual of Tennessee and State Auto. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

Farmers Mutual of Tennessee vs. State Auto FAQs

Is Farmers Mutual of Tennessee or State Auto cheaper?

Farmers Mutual of Tennessee is the less expensive of the two companies when looking at national average premiums, with policies averaging $100 a month with Farmers Mutual of Tennessee and $259 for State Auto. However, that doesn't mean Farmers Mutual of Tennessee will be the lowest company for everyone, since there are a bunch of different factors that are considered when it comes to your insurance cost.

Who is better, Farmers Mutual of Tennessee or State Auto?

Sadly, the real answer is "it depends.". No one carrier is "better" for every policyholder -- it all comes down to what your unique auto insurance profile looks like.

Why do Farmers Mutual of Tennessee and State Auto offer me different rates?

Car insurance carriers use a lot of different variables when calculating the prices they charge. Things like your driving record, gender, age, where you call home, and sometimes even things like your credit score can all be used. Both Farmers Mutual of Tennessee and State Auto calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the cheapest for you is by comparing personalized quotes from lots of different companies.

How do I know if Farmers Mutual of Tennessee or State Auto 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 area information and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best company for you isn't Farmers Mutual of Tennessee or State Auto at all, but another you hadn't even thought of!

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.