Farmers vs. State Farm: Best Car Insurance for 2021
When it comes to Farmers vs. State Farm car insurance, State Farm has the lowest rates, the best financial ratings, and the best customer satisfaction rankings. Farmers insurance, on the other hand, has the most competitive rates if you have bad credit. Both companies have a range of discounts that can be combined to reach even lower prices. They both also offer additional services such as State Farm or Farmers life insurance.
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UPDATED: Mar 25, 2021
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- State Farm is cheaper on average than Farmers unless you have bad credit
- State Farm and Farmers both offer a variety of car insurance discount to save you money
- State Farm has higher financial and customer satisfaction ratings
You have a lot of options when it comes to car insurance companies, and comparing them side by side will help you narrow down your options. In this article, we will look at Farmers vs. State Farm car insurance companies to see which one fits your needs best.
To see if either is correct for you, compare rates, discounts, financial ratings, and customer satisfaction ratings. Before you make a decision, consider the advantages and disadvantages of each company.
You don’t have to choose between just Farmers vs. State Farm to find the best company. Enter your ZIP code to get free car insurance quotes from a range of companies in your area.
Is Farmers car insurance or State Farm car insurance cheaper?
The method by which your car insurance rates are determined can surprise you. Insurers consider your age, driving record, and credit history, among other items.
These are only a few of the factors that will be considered when determining how affordable Farmers vs. State Farm car insurance is for you. What company is right for you will ultimately be determined by your unique circumstances.
Younger drivers are charged more than older drivers, but you might be shocked just how expensive teenager car insurance rates are. This table will compare Farmers vs, State Farm car insurance rates to determine the cheapest company for your age, gender, and marital status.
|Age, Gender, and Marital Status||Farmers Average Annual Rates||State Farm Average Annual Rates|
|Single 17-year-old female||$8,666.24||$4,875.91|
|Single 17-year-old male||$9,202.06||$6,130.77|
|Single 25-year-old female||$2,672.81||$1,979.45|
|Single 25-year old male||$2,791.21||$2,176.45|
|Married 35-year-old female||$2,316.82||$1,734.93|
|Married 35-year-old male||$2,306.44||$1,734.93|
|Married 60-year-old female||$2,117.42||$1,558.06|
|Married 60-year-old male||$2,179.61||$1,558.06|
State Farm is much less expensive than Farmers, saving young drivers thousands of dollars per year.
Your driving record is one of the most significant factors used to determine auto insurance rates. If you have any accidents, tickets, or DUIs on your record, your insurance rates will be significantly higher than if you have a clean driving record.
This table shows you how Farmers vs. State Farm car insurance stacks up based on your driving record.
|Driving Record||Farmers Average Annual Rates||State Farm Average Annual Rates|
|With 1 accident||$4,518.73||$3,396.01|
|With 1 DUI||$4,718.75||$3,636.80|
|With 1 speeding violation||$4,079.01||$3,186.01|
Farmers is much more expensive than State Farm, no matter what your driving record looks like.
One factor that car insurance companies look at that isn’t as obvious is your credit score. Insurance companies believe that if you have a higher credit score, you are less likely to file a claim and are more able to pay for losses out of pocket.
|Credit History||Farmers Average Annual Rates||State Farm Average Annual Rates|
Unless you have bad credit, Farmers is once again the more expensive company. State Farm charges about $100 more a year for drivers with bad credit than Farmers.
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Does Farmers or State Farm have better car insurance discounts?
By taking advantage of discounts, you can save a lot of money on your auto insurance. Multi-car, good student, and safe driver car insurance discounts are all available from most companies.
The discounts available from Farmers and State Farm are listed in this table. See which companies give the most discounts you apply for to help you lower your prices.
|Car Insurance Discounts||Farmers (%)||State Farm (%)|
|Daytime Running Lights||x||N/A|
|Electronic Stability Control||x||N/A|
Ask for all discounts you are eligible for when it comes time to compare Farmers vs. State Farm car insurance quotes.
How do Farmers and State Farm compare in financial strength and customer satisfaction?
A.M. Best rates a company’s financial health on how well it can satisfy its financial obligations. Farmers earned an A rating, indicating that it is very capable of meeting obligations. State Farm earned an A+ rating, indicating that it has a superior ability to meet obligations.
Farmers, on the other hand, was given an A+ by the Better Business Bureau, and State Farm insurance was given an A. Farmers is also accredited, while State Farm is not.
J.D. Power rated Farmers and State Farm on consumer satisfaction, including costs, billing, claims, and what they sell. Farmers received an average rating, while State Farm received an above-average rating.
Customers can view their insurance records, locate their ID cards, and pay bills using their Farmers or State Farm login on the mobile app or website. You can also get this information using the Framers and State Farm 1-800 numbers.
Additional services, such as roadside assistance, are available from both companies and can also be accessed from the app or website. Both companies also offer services outside of car insurance, such as State Farm and Farmers life insurance and homeowners insurance.
Are there agents for State Farm and Farmers insurance near me? Yes, both companies offer coverage in all 50 states.
Now that you’ve compared Farmers vs. State Farm rates, discounts and rankings, enter your ZIP code to compare quotes from several companies near you.