Farmers vs State Auto Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Farmers
85
What is this?

Insurify Composite Score

State Auto
76
What is this?

Insurify Composite Score

Farmers VS State Auto
85
76
What is this?
User Ratings
OptionsFarmers State Auto
Rating/Reviews
506 reviews
44 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsFarmers State Auto
Insurer WebsiteAbout average--
Local AgentAbout average--
Overall SatisfactionAbout average--
Policy OfferingsAbout average--
PricingAbout average--
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsFarmers State Auto
Claim ServicingAbout average--
Estimation ProcessAbout average--
First Notice of Loss (FNOL)About average--
Overall SatisfactionAbout average--
Rental ExperienceAbout average--
Repair ProcessThe rest--
SettlementAbout average--
J.D. Power Ratings by Region (out of 1000)
RegionFarmers State Auto
California795 pt
The rest
--
Central821 pt
About average
--
Florida820 pt
About average
--
Mid-Atlantic814 pt
The rest
--
North Central808 pt
The rest
--
Northwest785 pt
The rest
--
Southwest797 pt
The rest
--
Texas822 pt
About average
--
Mobile App Ratings
RegionFarmers State Auto
Android
2,565 Reviews
1 Reviews
iOS
538 Reviews
--
Financial Ratings
OptionsFarmers State Auto
A.M. BestAA-
FitchA+--
Moody'sA2--
Standard & Poor'sA--

Auto Insurance Quotes

For Married Drivers

CityFarmers State Auto
Austin--$86
Chicago$124--
Philadelphia--$90
Phoenix$126--
Santa Monica$120--

For Single Drivers

CityFarmers State Auto
Austin--$98
Chicago$117--
Philadelphia--$89
Phoenix$120--
Santa Monica$263--

For Male Drivers

CityFarmers State Auto
Austin--$90
Chicago$129--
Philadelphia--$83
Phoenix$129--
Santa Monica$269--

For Female Drivers

CityFarmers State Auto
Austin--$93
Chicago$112--
Philadelphia--$96
Phoenix$117--
Santa Monica$114--

For Drivers with Speeding Ticket

CityFarmers State Auto
Austin--$128
Chicago$163--
Philadelphia--$102
Phoenix$157--
Santa Monica$302--

For Drivers with No Speeding Ticket

CityFarmers State Auto
Austin--$84
Chicago$111--
Philadelphia--$88
Phoenix$116--
Santa Monica$168--

For Drivers Age Between 18-40

CityFarmers State Auto
Austin--$101
Chicago$120--
Philadelphia--$90
Phoenix$123--
Santa Monica$303--

For Drivers Age Between 40-65

CityFarmers State Auto
Austin--$80
Chicago$115--
Philadelphia--$83
Phoenix$118--
Santa Monica$104--

For Drivers Age of 65+

CityFarmers State Auto
Austin--$102
Chicago$142--
Philadelphia--$114
Phoenix$143--
Santa Monica$101--

For Drivers with Average Credit

CityFarmers State Auto
Austin--$104
Chicago$116--
Philadelphia--$102
Phoenix$123--
Santa Monica$149--

For Drivers with Fair Credit

CityFarmers State Auto
Austin--$104
Chicago$132--
Philadelphia--$106
Phoenix$134--
Santa Monica$134--

For Drivers with Good Credit

CityFarmers State Auto
Austin--$80
Chicago$126--
Philadelphia--$83
Phoenix$128--
Santa Monica$140--

For Drivers with Excellent Credit

CityFarmers State Auto
Austin--$79
Chicago$108--
Philadelphia--$68
Phoenix$108--
Santa Monica$343--

Quotes & Discounts

Discount typeFarmers State Auto
Multiple PolicyUp to 10%Varies
EV/HybridUp to 5%--
Affinity groupVaries--
Anti-Theft DeviceVariesVaries
Anti-lock BrakeVaries--
Claims Free RenewalVaries--
Daytime Running LightsVaries--
Defensive DriverVaries--
Driving HabitsVariesVaries
Driving trainingVariesVaries
E-billingVaries--
Early QuoteVariesVaries
Electronic Stability ControlVaries--
FamilyVaries--
Good DriverVariesVaries
Good PayerVaries--
Good StudentVariesVaries
Home OwnerVaries--
LoyaltyVaries--
Mature driverVaries--
MilitaryVaries--
Multiple VehicleVariesVaries
On Your OwnVaries--
OrganizationVaries--
Paid in fullVariesVaries
Paperless documentsVaries--
Passive RestraintVaries--
Preferred paymentVaries--
PrepayVaries--
Professional organizationVaries--
Provider SwitchVaries--
Senior AdultVaries--
Student Away at SchoolVaries--
VIN EtchingVaries--
Youth DrivingVaries--
teenSMARTVaries--
Accident Free--Varies

Payment Methods

Discount typeFarmers State Auto
Automatic Online Payment
yesyes
Credit Card Payment yes--
Debit Card Payments yes--
Electronic Check
yes--
In Person Payment
yes--
Mail Payment
yesyes
Mobile App Payments
yes--
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Phone Payment
yesyes

Features and Services

Features and ServicesFarmers State Auto
24/7 service--yes
Accident forgivenessyesyes
Flexible / convenient paymentsyes--
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesFarmers State Auto
Accident Forgiveness
yesyes
Antique or Collector Car Insurance
yes--
Comprehensive Claim Forgiveness
yes--
Emergency Lockout Coverage
yes--
Glass Coverage yesyes
Incident Forgiveness
yes--
Loss of Use Coverage
yes--
New Car Replacement Coverage
yesyes
No Fault Coverage
yes--
Original Equipment Manufacturer Coverage
yes--
Personal Auto Plus
--yes
Personal/Upgraded Item Coverage
yesyes
Pet Coverage
--yes
Rental Reimbursement
yes--
Ridesharing Coverage
yes--
Roadside Assistance
yesyes
Small Claim Forgiveness
yes--
Umbrella Policy
yesyes
Vanishing Deductible
yes--

Insurance by State

Uber and Lyft driver insurance

  • Farmers
  • State Auto
  • Both

SR‌-22 Insurance by State

  • Farmers
  • State Auto
  • Both

Compare Insurance Products

ProductFarmers State Auto
Car InsuranceCar Insuranceyesyes
Business InsuranceBusiness Insuranceyes--
Classic Car InsuranceClassic Car Insuranceyes--
Condo InsuranceCondo Insuranceyes--
Earthquake InsuranceEarthquake Insuranceyes--
Flood InsuranceFlood Insuranceyes--
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyes--
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Pet InsurancePet Insuranceyes--
Recreational InsuranceRecreational Insuranceyes--
Renters InsuranceRenters Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • Farmers Reviews
  • State Auto Reviews
3.4
5 Stars
37 %
4 Stars
17 %
3 Stars
15 %
2 Stars
8 %
1 Star
24 %

Most Positive Review

By Joe
They provided me with good service and whenever I needed to make a change in coverage they were very accommodating and when I had a claim they were very quick in taking care of it.

Most Critical Review

By Chesney
Farmers is the absolute worst insurance company around, their communication is poor, customer service is poor & they don’t seem to care about their customers needs

All Reviews

Showing 1 - 10 out of 506 Reviews
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Read reviews that mention

Terence A.Fomba
Please I wish to enquire if I can pay insurance using my name on my brother's car and drive with my international drivers licenses?
Sharon
Good agent
Jagtar
David
Farmers suck. If you are not at fault in an accident. You are on your own. They do nothing. We had to contact their insurance and all kind of rental car arrangements. They did nothing and they sucked.
David
We were in a car accident. The car was hit while my wife and I went for a walk in the park. The gentleman who hit the car was good enough to wait for us to return from our walk. He worked for the city of Maggie Valley. Farmers did nothing for us. We had to contact everyone because the party is as at fault.
Mirtha
Very expensive
Brenda
They were expensive.
Chris
Rates and coverage
Anis
Professional
Michael
They were always on top of everything I had to do with them. They were always quick to resolve issues and handle my claims. I felt secure with them as my insurance carrier
Showing 1 - 10 out of 506 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.