Farmers vs State Farm is one of the most common comparisons drivers make when shopping for auto insurance. Both companies rank among the largest insurers in the United States. However, they differ significantly in pricing, coverage options, and customer experience. Farmers brings more customization and specialty coverages to the table. State Farm counters with lower rates and nationwide availability. In this guide, we break down farmers vs state farm across every category that matters. We cover rates, discounts, financial strength, claims satisfaction, and more. By the end, you will know exactly which insurer fits your driving profile and budget.
- Farmers vs State Farm: Company Overview
- Farmers Vs State Farm: Coverage Comparison
- Farmers vs State Farm: Rates and Pricing
- Farmers vs State Farm: Discounts Available
- Farmers vs State Farm: Pros and Cons
- Farmers vs State Farm: Customer Experience
- Which Should You Choose: Farmers or State Farm?
- Frequently Asked Questions
Farmers vs State Farm: Company Overview
| Category | Farmers | State Farm |
|---|---|---|
| AM Best Rating | A (Excellent) | A+ (Superior) |
| JD Power Claims Score | Below average (ranked 17th of 20) | 716/1,000 (ranked 8th of 20) |
| NAIC Complaint Index | 0.71 | 0.67 |
| States Available | 42 | 50 + DC |
| Best For | Custom coverage | Low rates |
| Founded | 1928 | 1922 |
State Farm is the largest auto insurer in the country. It holds roughly 16% of the U.S. market share. The company operates through a network of over 19,000 exclusive agents. Its AM Best rating was downgraded from A++ to A+ in November 2025. However, A+ is still the second-highest financial strength designation available. State Farm consistently scores above average in JD Power claims satisfaction studies.
Farmers is the seventh-largest auto insurer nationally. The company operates in 42 states through its exclusive agent network. Farmers earns an A (Excellent) rating from AM Best. In the farmers vs state farm matchup, Farmers stands out for offering more optional coverages. Its NAIC complaint index of 0.71 means it receives fewer complaints than the industry average. However, Farmers ranked 17th out of 20 insurers in the JD Power 2025 Claims Satisfaction Study.
Farmers Vs State Farm: Coverage Comparison
| Coverage Type | Farmers | State Farm |
|---|---|---|
| Liability | Standard limits available | Standard limits available |
| Collision | Available with multiple deductibles | Available with multiple deductibles |
| Comprehensive | Available with glass coverage | Available with glass coverage |
| Uninsured Motorist | Bodily injury and property damage | Bodily injury and property damage |
| Roadside Assistance | Included in most policies | Available as add-on ($4/year) |
| Rental Car | Up to $50/day | Up to $50/day |
| Gap Insurance | Available | Available (Payoff coverage) |
| Rideshare Coverage | Available in select states | Available in select states |
When comparing farmers vs state farm on coverage, both offer all standard auto insurance protections. Liability, collision, comprehensive, and uninsured motorist coverage come standard with both carriers. For example, both companies let you choose from multiple deductible levels for collision and comprehensive.
Farmers pulls ahead with more specialty options. The company offers new car replacement, accident forgiveness, and vanishing deductible programs. Farmers also includes roadside assistance in most policies at no extra charge. State Farm charges about $4 per year for its roadside assistance add-on. As a result, drivers who want extensive customization may prefer Farmers.
State Farm offers its own unique features. Its Payoff coverage works similarly to gap insurance. State Farm also provides a Drive Safe & Save program that rewards low-mileage drivers. In most cases, both companies provide enough coverage options for typical drivers. The difference matters mainly for those who want niche add-ons.
Farmers vs State Farm: Rates and Pricing
| Driver Profile | Farmers (Annual) | State Farm (Annual) |
|---|---|---|
| Full coverage (typical driver) | $3,091 | $1,487 |
| Minimum coverage | $1,188 | $597 |
| Young driver (age 20) | $8,420 | $4,200 |
| Senior driver (age 65+) | $1,980 | $1,350 |
| After accident | $4,650 | $2,987 |
| After DUI | $8,055 | $5,450 |
Pricing is where farmers vs state farm shows the biggest gap. State Farm is significantly cheaper across nearly every driver profile. For full coverage, State Farm averages $1,487 per year. Farmers charges $3,091 for comparable coverage. That is a difference of over $1,600 annually. For minimum liability-only coverage, State Farm costs about $597 per year compared to $1,188 at Farmers.
Young drivers feel the price difference most dramatically. A 20-year-old pays roughly $8,420 per year with Farmers. State Farm charges closer to $4,200 for the same age group. Typically, State Farm’s rates for young drivers fall below the national average. Farmers’ young driver rates consistently exceed it. As a result, families insuring teen drivers often save thousands by choosing State Farm.
High-risk drivers also see major savings with State Farm. After a DUI, Farmers charges an average of $8,055 annually. State Farm’s post-DUI rates average about $5,450. State Farm’s DUI premiums run approximately 35% below the national average. However, rates vary significantly by state and individual profile. In most cases, getting quotes from both companies is the best approach.
Farmers vs State Farm: Discounts Available
Both companies offer a solid lineup of discounts. State Farm and Farmers share common discounts for bundling, good students, and safe drivers. State Farm’s good student discount saves up to 25%. Its bundling discount can save up to $1,429 when combining auto and home insurance. State Farm’s Drive Safe & Save telematics program gives a 10% enrollment discount. Safe drivers can earn up to 30% off through the program.
Farmers offers more total discount categories than State Farm. For example, Farmers provides a military discount that State Farm does not. Farmers’ Signal telematics program rewards safe driving with up to 25% savings. Farmers also offers a vanishing deductible that reduces your deductible by $50 for each claim-free year. This can partially offset Farmers’ higher base rates.
In the farmers vs state farm discount comparison, State Farm offers fewer discount types but larger individual savings. Farmers offers more ways to save but starts from a higher price point. Typically, even with maximum discounts applied, State Farm remains the more affordable option for most drivers. However, military families and those who qualify for multiple Farmers discounts may close the gap.
Farmers vs State Farm: Pros and Cons
Farmers Pros:
- More optional coverages and customization choices
- Military discount not offered by State Farm
- Vanishing deductible rewards claim-free driving
- Roadside assistance included in most policies
Farmers Cons:
- Rates average 50-100% higher than State Farm
- Available in only 42 states
- Ranked 17th of 20 in JD Power claims satisfaction
State Farm Pros:
- Significantly lower rates across all driver profiles
- Available in all 50 states plus Washington DC
- Above-average JD Power claims satisfaction scores
- Largest agent network in the country with 19,000+ agents
State Farm Cons:
- Fewer specialty coverage add-ons than Farmers
- No military discount available
- AM Best rating downgraded from A++ to A+ in 2025
Farmers vs State Farm: Customer Experience
Customer experience is a key differentiator in the farmers vs state farm comparison. State Farm ranks 8th out of 20 companies in JD Power’s 2025 Auto Claims Satisfaction Study. It scored 716 out of 1,000 points. Farmers ranked 17th in the same study. This means State Farm policyholders report significantly better claims experiences. State Farm also earns a slightly lower NAIC complaint index at 0.67 versus Farmers’ 0.71.
Both companies offer mobile apps for managing policies. You can file claims, view ID cards, and make payments through either app. State Farm’s app receives consistently high ratings on both iOS and Android platforms. Farmers’ app also handles basic policy management well. However, some Farmers customers report longer claims resolution times. Transparency during the claims process is another area where Farmers receives criticism.
For in-person service, both companies use exclusive agent networks. State Farm’s network is larger with over 19,000 agents nationwide. Farmers operates through about 48,000 agents across 42 states. In most cases, finding a local agent is easy with either company. The farmers vs state farm customer service gap is most noticeable during the claims process rather than day-to-day policy management.
Which Should You Choose: Farmers or State Farm?
Choose Farmers if: You want maximum coverage customization with specialty add-ons like vanishing deductibles and new car replacement. Farmers also works well for military families who can take advantage of its exclusive military discount. Drivers who prioritize coverage breadth over price will appreciate Farmers’ extensive options.
Choose State Farm if: You want the lowest rates with strong financial backing and solid claims service. State Farm is especially good for young drivers, where it saves thousands annually over Farmers. Budget-conscious drivers in any age group will typically pay less with State Farm.
The farmers vs state farm decision ultimately depends on your priorities. If price is your primary concern, State Farm wins clearly. It costs roughly half of what Farmers charges for comparable coverage. However, Farmers offers a more customizable policy with niche coverages that State Farm lacks. For example, a driver who wants vanishing deductibles, military discounts, and included roadside assistance might find enough value to justify Farmers’ premium.
In most cases, we recommend getting quotes from both companies. Your individual rate depends on your state, driving record, vehicle, and credit score. The national averages in this farmers vs state farm comparison provide useful benchmarks. However, your personal quote could differ significantly. Both companies maintain strong financial ratings and will be around to pay claims when you need them.
Frequently Asked Questions
Is Farmers cheaper than State Farm?
No. State Farm is significantly cheaper than Farmers in almost every category. State Farm’s average full coverage rate is $1,487 per year. Farmers charges $3,091 for comparable coverage. Typically, State Farm costs about 50% less than Farmers across all driver profiles.
Which has better customer service, Farmers or State Farm?
State Farm scores higher in customer satisfaction. It ranked 8th in JD Power’s 2025 Claims Satisfaction Study with 716 out of 1,000 points. Farmers ranked 17th in the same study. State Farm also has a lower NAIC complaint index at 0.67 compared to Farmers’ 0.71.
Can I switch from Farmers to State Farm mid-policy?
Yes. You can switch auto insurance providers at any time. Contact State Farm for a quote and set your new policy start date. Then cancel your Farmers policy. You may receive a prorated refund for any unused premium from Farmers.
Do Farmers and State Farm offer the same discounts?
They share many common discounts like bundling, good student, and safe driver savings. However, Farmers offers a military discount and vanishing deductible that State Farm does not. State Farm’s Drive Safe & Save telematics program offers up to 30% savings. Farmers’ Signal program caps at 25%.
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Official Sources & Resources
For verified information on auto insurance companies and consumer protection:
- NAIC (National Association of Insurance Commissioners): naic.org
- Insurance Information Institute: iii.org
- National Highway Traffic Safety Administration (NHTSA): nhtsa.gov
- AM Best — Insurer Financial Strength: ambest.com
Content last reviewed April 2026. If you notice any outdated information, please contact us.