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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
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Experienced personal finance writer
Background working with banks and insurance companies
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
State Farm and Farmers are two of the biggest insurers in the U.S., with State Farm coming in at No. 1 and Farmers at No. 9 in terms of market share. Both companies serve millions of customers and have solid industry reputations.
State Farm stands out for its low rates and above-average customer satisfaction. Farmers’ insurance rates are higher. But the company’s coverage options are much more robust, making it a top choice for drivers willing to pay more for specific types of coverage.
Here’s a closer look at State Farm and Farmers to help you choose the best company for your car insurance budget and needs.
Farmers offers more discounts than State Farm, including a military discount, which might offset the company’s higher rates.
State Farm auto insurance is available nationwide, while Farmers offers coverage in only 42 states.
Both companies offer safe driving programs that can help you save money. State Farm’s safe driving discount is more generous.
State Farm provides basic coverage at an affordable price without sacrificing the customer experience. Farmers may be a good choice if you want harder-to-find coverage and extra add-ons. That said, the best company for you depends on your insurance needs, how much you want to pay, and where you live.
For example, State Farm may be the winner if you need low insurance rates and only basic coverage. Farmers, on the other hand, may be the better choice if your insurance needs are unique. But Farmers insurance isn’t available nationwide, so it may not be an option depending on where you live.
 |  |
|---|---|
Average price $79/mo* | Average price $158/mo* |
Overall rating | Overall rating |
Value for money | Value for money |
Customer service | Customer service |
Claims handling | Claims handling |
Special highlight Customer serviceAI-generated from 19850 user reviews | Special highlight Bundling discountsAI-generated from 2414 user reviews |
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $52/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $105/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm’s average rates are among the lowest available, and the company’s customer satisfaction is among the highest. This unique combination is often hard to find. State Farm is a solid choice for drivers who want a good deal without sacrificing other aspects, like fast claims processing.
Affordable rates
Above-average J.D. Power customer satisfaction rating
AM Best financial strength rating of A++ (Superior)
Limited coverage options
Fewer discounts than some competitors
Some negative customer reviews and complaints
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $105/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $211/mo |
Farmers's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.5 | 3.1 |
| Value | 3.2 | 2.9 |
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
Farmers offers comprehensive coverage that extends beyond standard auto insurance. You can get extra coverage, like loss of use and customized coverage, making it an excellent choice for drivers with specific needs. The company also offers generous discounts and has a highly rated usage-based insurance program.
Hard-to-find coverage options
Generous discounts
Highly rated telematics program
Below-average J.D. Power customer satisfaction rating
More expensive rates
Available in only 42 states
State Farm is cheaper than Farmers for every driver type, based on average rates. Farmers’ average rates are often twice as high as State Farm’s. The table below shows how budget-conscious drivers may be able to save with State Farm compared to Farmers.
Driver Type | State Farm | Farmers |
|---|---|---|
| Adult drivers | $96 | $187 |
| Liability-only coverage | $52 | $105 |
| Full coverage | $105 | $211 |
| Drivers with a speeding ticket | $135 | $276 |
| Drivers with a DUI | $151 | $304 |
| Drivers with an at-fault accident | $140 | $287 |
| Poor credit drivers | $171 | $258 |
| Good credit drivers | $83 | $177 |
| Teen drivers | $215 | $456 |
| Senior drivers | $74 | $152 |
Liability rates start as low as $42 per month
Farmers offers more car insurance discounts than State Farm, including unique discounts for young adults and drivers who pay premiums on time.
State Farm has lower rates than Farmers but significantly fewer discounts. Farmers’ extensive list of discounts might offset some of its higher costs, making the rates more comparable.
Let’s look at how the discounts from each company stack up.
Discount | State Farm | Farmers |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✔ | ✔ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✔ |
| Low mileage | ✔ | ✖ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✔ | ✔ |
| New car | ✖ | ✖ |
| Military/affiliation | ✖ | ✔ |
| Good student | ✔ | ✔ |
| Loyalty | ✖ | ✔ |
| Auto pay | ✖ | ✔ |
| Student away at school | ✔ | ✔ |
| Homeowner | ✖ | ✔ |
| Alternative fuel | ✖ | ✖ |
| Pay in full | ✖ | ✖ |
State Farm has a higher financial strength rating from AM Best and slightly better reviews on the Better Business Bureau website, but not by much.
State Farm also earns higher customer satisfaction ratings in nearly every region, according to the J.D. Power 2025 U.S. Auto Insurance Study.[1] But National Association of Insurance Commissioners (NAIC) data shows State Farm has many more complaints than Farmers.
Farmers earns the second-highest customer satisfaction ratings for usage-based driving, outscoring State Farm. The company has a higher-than-average number of customer complaints, but it’s much lower than State Farm’s.
Here’s an overview of how State Farm and Farmers compare.
Score | State Farm | Farmers |
|---|---|---|
| IQ Score | 9.3 | 8.5 |
| Customer reviews | 4.1/5 (19,850 reviews) | 3.8/5 (2,414 reviews) |
| J.D. Power | 664 | 641 |
| AM Best rating | A++ | A |
| NAIC complaint index | Above average (7.3) | Above average (1.32) |
| BBB customer reviews | 1.23/5 | 1.08/5 |
Customer reviews can provide helpful insight into what it’s like to have coverage from an insurer. Here’s a look at some verified reviews from State Farm drivers.
Insurify asks drivers to rate their insurance company and share feedback so others can find the best fit. The following reviews are from real, verified Farmers customers.
State Farm and Farmers both offer telematics programs that track your driving behavior, including braking, phone distraction, and acceleration.
You earn a discount just for signing up. After the first few months, you can get an additional discount for safe driving. It’s different from pay-per-mile coverage, where pricing fluctuates based on how much you drive each month.[2]
State Farm’s Drive Safe & Save program offers higher discounts and more personalized feedback, making it a better pick for most drivers.[3] Signal from Farmers stands out for its solid CrashAssist feature, which makes it easier to reach emergency services after an accident.[4] Both programs have nearly identical availability and data tracking.
Here’s an in-depth look at what you can expect when you sign up for the programs.
Feature | State Farm Drive Safe & Save | Farmers Signal |
|---|---|---|
| Best for | Drivers who want higher discounts and personalized feedback | Drivers who prioritize safety and want additional support after an accident |
| Savings potential | Up to 30%, with a 10% initial discount | Up to 15% off at renewal, with an initial 5% discount |
| How it works | Uses your phone and a device to track driving habits in the app and provide feedback after rides | Uses sensors to track braking, speed, and phone usage; plus, CrashAssist detects crashes and notifies emergency services |
| Availability | 47 states (not available in California, Massachusetts, and Rhode Island) | 46 states (no discount in California) |
| Data tracked | Speed, acceleration, braking, cornering, phone distraction | Excessive speed, hard brakes, phone distractions, total mileage, time of day |
| App rating (App Store/Google Play) | 4.8/5 App Store 4.6/5 Google Play | 4.8/5 App Store 4/5 Google Play |
| Average discount for good drivers | 15%–25% | 10%–15% |
| Driver feedback tools | Real-time trip feedback and suggestions | Monthly driving score, My Driving Behavior results |
| Gamified rewards | ✖ | ✔ |
| Compatibility | Smartphone app and device | Smartphone app only |
Compare quotes from top insurers in minutes
Farmers has significantly more coverage and policy features than State Farm, including original equipment manufacturer (OEM), loss of use, and gap insurance.
Both insurers offer standard coverage, including liability, comprehensive, collision, rental car, and roadside assistance. But Farmers is the best pick if you want to extend beyond the basics.
Coverage | State Farm | Farmers |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✖ | ✔ |
| Underinsured/uninsured motorist coverage (UIM/UM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✖ | ✔ |
| Classic car insurance | ✖ | ✖ |
| Rideshare insurance | ✔ | ✔ |
| Loss of use | ✖ | ✔ |
| Original equipment manufacturer (OEM)/New original parts | ✖ | ✔ |
| New car replacement | ✖ | ✔ |
| Customized equipment | ✖ | ✔ |
Here’s a look at some of the most common questions drivers ask when deciding between State Farm and Farmers.
State Farm is cheaper than Farmers. The company’s average rates are lower for every type of driver. So even if you have a violation, low credit, or are a teen driver, you can likely save with State Farm over Farmers.
COUNTRY Financial, USAA, and Auto-Owners are typically cheaper insurance companies than State Farm, according to Insurify data. Your location, driving record, age, and other factors affect your car insurance premium. So, the cheapest company depends on your personal profile.
No. State Farm has a solid reputation as an auto insurer, earning an Insurify Quality (IQ) Score of 9.3 out of 10 for above-average customer service, high financial strength ratings, and comprehensive coverage options.
GEICO, Progressive, and American Family are some of State Farm’s biggest competitors. All three companies offer nationwide coverage and have similar market shares. But based on IQ Score, American Family is State Farm’s biggest competitor, as it’s the only company with a score as high.
COUNTRY Financial offers the cheapest insurance based on average rates. But your driving record, ZIP code, and other factors affect how much you pay. Comparing quotes can help you find the best deal.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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)
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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Featured in
Experienced personal finance writer
Background working with banks and insurance companies
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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