State Farm 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 slightly less expensive prices than State Farm
• State Farm offers cheaper average premiums for residents of rural areas
• Workmen's Auto tends to be a much more affordable option for couples purchasing auto insurance together

State Farm 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've maybe even narrowed it down to State Farm or Workmen's Auto as potential options, but which company will offer you cheaper rates?

As you can see, Workmen's Auto is about $7 per month less expensive than State Farm when looking at the national average rates for car insurance.

However, that doesn't mean Workmen's Auto will necessarily be cheaper than State Farm for each driver. Insurance companies use tons of complex algorithms to calculate prices, so depending on how clean your driving record is or how good your credit score is (among lots of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average rates from both State Farm and Workmen's Auto by a bunch of different rate factors, so read on to find out which company is the best for you.

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

State Farm and Workmen's Auto only compete against each other in California, where Workmen's Auto offers the cheaper average prices. For California residents, Workmen's Auto offers auto insurance for $151 per month on average. State Farm's average premiums come out to be over 40% more expensive, at $224 a month.

But there's more to car insurance than just your home state. As we mentioned above, there's a lot of things that go into how auto insurance carriers determine your rates. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any other group of drivers out there on the road. That's typically 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. For example, 18-year-old drivers pay an average of more than $30 less a month by choosing Workmen's Auto over State Farm. It's worth noting that State Farm offers auto insurance in 51 different states compared to Workmen's Auto's one, which can skew the average premiums a bit, but the difference here is still considerable.

But both companies will offer you dramatically lower prices once you turn 25. For example, average rates for State Farm policyholders decrease over $200 and Workmen's Auto's premiums lower nearly $200 over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices out there.

So, which carrier offers the best rates to retired drivers? State Farm gets the edge here, with average premiums coming in at around $111 monthly compared to Workmen's Auto's $124.

Which is the Best Company for Married Drivers?

Did you know that car insurance rates are normally more affordable for married couples than they are for those who are single? This usually boils down to married drivers having several cars on their policy -- something a lot of auto insurance carriers will reward with discounts.

If you're in the market for insurance, Workmen's Auto tends to have the most affordable average prices regardless of marital status, with prices about $10 less expensive for single policyholders and around $5 more affordable for married policyholders.

State Farm vs. Workmen's Auto: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll usually end up paying more for car insurance than women.

With State Farm, men generally pay about $10 per month more than women; and with Workmen's Auto, both genders end up paying the same monthly rate.

Looking at the data for each company specifically, Workmen's Auto offers the cheapest average rates for both men and women. On average, male drivers save about $13 a month and women save around $1 with Workmen's Auto compared to the average State Farm policyholder.

State Farm 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.

For most people, auto insurance isn't the easiest topic to understand. There are multiple different coverages that account for a variety 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.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which typically refers to having comprehensive and collision coverages in addition to what you get with a liability policy).

In this case, Workmen's Auto offers the lowest average premiums for state minimum liability insurance, while State Farm has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $30 with Workmen's Auto Insurance, while full coverage comes out to be about $20 cheaper with State Farm.

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

You've probably seen plenty of commercials from car insurance companies offering great prices 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 accidents and tickets lead to higher premiums, but which carrier -- State Farm or Workmen's Auto -- has the most affordable rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

State Farm policyholders can expect their prices to go up an average of $21 per month if they get a ticket, while Workmen's Auto generally raises premiums around $34 a month, on average.

That being said, Workmen's Auto is usually the less expensive option for drivers both with clean records and with a speeding ticket. Drivers with a clean record can save about $23 per month and drivers with a ticket can save around $10 a month with Workmen's Auto Insurance.

Which Company is Best for Drivers After an Accident?

State Farm policyholders who get in an accident can expect to see their rates increase by just under 20%, while those who have insurance through Workmen's Auto will see about a 30% increase.

Overall, the more affordable prices come from Workmen's Auto, with monthly rates averaging $156 compared to State Farm's $163.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your insurance bill. For example, Workmen's Auto increases average prices by $80 per month -- that's over a 40% increase.

State Farm has the overall lowest premiums for drivers with a DUI on their records at $179 a month, but it's worth noting that State Farm's average rates come from 51 states compared to just one for Workmen's Auto, so the data may be skewed slightly.

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

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

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

So, which company offers the best prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have great credit. With State Farm, improving your score from "good" to "excellent" will normally save you around $25. Workmen's Auto, on the other hand, 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?

Having bad credit generally means you'll also see higher rates with State Farm. For drivers with less-than-stellar credit, at State Farm, you may pay about $150 a month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. On the other hand, Workmen's Auto doesn't have data available for credit scores, which means drivers with bad credit may find better rates with Workmen's Auto over State Farm.

Is State Farm 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 how much insurance companies will charge for coverage. Usually, the more miles you put on your vehicle each year, the more you can expect to pay for auto insurance.

Looking specifically at State Farm and Workmen's Auto, Workmen's Auto is the cheaper option for people who work from home, while Workmen's Auto has better prices for those with short commutes. State Farm's average premiums for drivers with 6,000 annual miles come in more than 15% more expensive than Workmen's Auto. Those who drive 12,000 miles every year can expect to pay 6% more with Workmen's Auto over State Farm.

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

Where you call home can play a sizable role in how much you pay for car insurance. Typically, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of cars that are on the roads in those areas.

Workmen's Auto boasts the most affordable average premiums in urban and suburban areas, while State Farm wins in rural areas.

If you live in a rural area, you can expect to pay around $127 per month with State Farm compared to Workmen's Auto's $149. Drivers in suburban ZIP codes pay a monthly premium of about $154 with Workmen's Auto compared to $161 with State Farm. In urban areas, Workmen's Auto's average prices are around $149 per month compared to State Farm's $185.

State Farm vs. Workmen's Auto Discounts

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

But with what seems like a million different discounts out there, it can be difficult 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.

In the table below, we've broken down all of the different discounts offered by both State Farm and Workmen's Auto so that you can find the one that has the most discounts and, therefore, the biggest savings.

State Farm knocks Workmen's Auto out of the park when it comes to the sheer number of discounts available, offering 23 different discounts to Workmen's Auto's four.

Both carriers offer a lot of the same discounts -- like discounts for being a good driver, mature driver discounts, and renewal discounts -- but State Farm also offers ABS discounts, annual mileage discounts, anti-theft discounts, and more that Workmen's Auto does not.

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

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

So, we've broken down the average premiums for many of the factors auto insurance companies look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, is State Farm or Workmen's Auto the best company for you, your vehicle, and your wallet?

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

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• You've received a ticket for speeding recently and don't want to see your prices rise.
• You are purchasing your car insurance with a spouse.

State Farm might be best for you if...

• You already have plans to move to another state -- Workmen's Auto Insurance is only available in California.
• You care about discounts (State Farm offers the most).
• You are over 65 years old and want to save some money on your insurance.

We hope this guide helps you get a better idea of the difference between State Farm and Workmen's Auto. We also hope we've given you the information you need to make the best decision when it comes to 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 carriers, not just State Farm and Workmen's Auto. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

State Farm vs. Workmen's Auto FAQs

Is State Farm or Workmen's Auto cheaper?

Looking just at the national average rates, Workmen's Auto is the less expensive of the two carriers, offering average rates of $151 a month compared to $158 for State Farm. Even so, Workmen's Auto won't necessarily be the lowest company for each driver, since there are several different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, State Farm or Workmen's Auto?

Sadly, the answer truly is "it depends.". No single carrier is "better" for every driver -- it all depends on the makeup of your unique car insurance profile. For example, Workmen's Auto offers cheaper premiums for drivers with an at-fault collision on their record, while State Farm is less expensive for drivers who have less-than-stellar credit scores.

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

Insurance companies take a look at many different factors when determining the prices they charge policyholders. Things like gender, age, your driving record, where you live, and sometimes even things like your credit score can all be taken into consideration. Both State Farm and Workmen's Auto calculate rates using different formulas, 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 many different carriers.

How do I know if State Farm or Workmen's 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 companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the best price. And who knows, the best company for you might not be State Farm 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.