Farmers vs State Farm 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 Farm
88
What is this?

Insurify Composite Score

Farmers VS State Farm
85
88
What is this?
User Ratings
OptionsFarmers State Farm
Rating/Reviews
506 reviews
2,186 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsFarmers State Farm
Insurer WebsiteAbout averageThe rest
Local AgentAbout averageAbout average
Overall SatisfactionAbout averageAbout average
Policy OfferingsAbout averageAbout average
PricingAbout averageThe rest
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsFarmers State Farm
Claim ServicingAbout averageAbout average
Estimation ProcessAbout averageBetter than most
First Notice of Loss (FNOL)About averageAbout average
Overall SatisfactionAbout averageAbout average
Rental ExperienceAbout averageAbout average
Repair ProcessThe restAbout average
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionFarmers State Farm
California795 pt
The rest
813 pt
About average
Central821 pt
About average
824 pt
About average
Florida820 pt
About average
798 pt
The rest
Mid-Atlantic814 pt
The rest
826 pt
The rest
New England--838 pt
Better than most
New York--820 pt
About average
North Central808 pt
The rest
840 pt
Better than most
Northwest785 pt
The rest
817 pt
About average
Southeast--821 pt
About average
Southwest797 pt
The rest
829 pt
Better than most
Texas822 pt
About average
816 pt
The rest
Mobile App Ratings
RegionFarmers State Farm
Android
2,565 Reviews
12,082 Reviews
iOS
538 Reviews
288 Reviews
Financial Ratings
OptionsFarmers State Farm
A.M. BestAA++
FitchA+--
Moody'sA2Aa1
Standard & Poor'sAAA

Auto Insurance Quotes

For Married Drivers

CityFarmers State Farm
Austin--$52
Chicago$124$54
Philadelphia--$73
Phoenix$126$72
Santa Monica$120$81

For Single Drivers

CityFarmers State Farm
Austin--$54
Chicago$117$54
Philadelphia--$74
Phoenix$120$64
Santa Monica$263$117

For Male Drivers

CityFarmers State Farm
Austin--$52
Chicago$129$53
Philadelphia--$72
Phoenix$129$63
Santa Monica$269$116

For Female Drivers

CityFarmers State Farm
Austin--$54
Chicago$112$56
Philadelphia--$76
Phoenix$117$73
Santa Monica$114$83

For Drivers with Speeding Ticket

CityFarmers State Farm
Austin--$66
Chicago$163$60
Philadelphia--$84
Phoenix$157$74
Santa Monica$302$187

For Drivers with No Speeding Ticket

CityFarmers State Farm
Austin--$50
Chicago$111$53
Philadelphia--$73
Phoenix$116$67
Santa Monica$168$80

For Drivers Age Between 18-40

CityFarmers State Farm
Austin--$56
Chicago$120$55
Philadelphia--$76
Phoenix$123$65
Santa Monica$303$132

For Drivers Age Between 40-65

CityFarmers State Farm
Austin--$50
Chicago$115$51
Philadelphia--$69
Phoenix$118$68
Santa Monica$104$79

For Drivers Age of 65+

CityFarmers State Farm
Austin--$52
Chicago$142$62
Philadelphia--$84
Phoenix$143$80
Santa Monica$101$55

For Drivers with Average Credit

CityFarmers State Farm
Austin--$60
Chicago$116$62
Philadelphia--$84
Phoenix$123$80
Santa Monica$149$95

For Drivers with Fair Credit

CityFarmers State Farm
Austin--$58
Chicago$132$60
Philadelphia--$81
Phoenix$134$90
Santa Monica$134$81

For Drivers with Good Credit

CityFarmers State Farm
Austin--$52
Chicago$126$53
Philadelphia--$72
Phoenix$128$62
Santa Monica$140$89

For Drivers with Excellent Credit

CityFarmers State Farm
Austin--$42
Chicago$108$43
Philadelphia--$59
Phoenix$108$39
Santa Monica$343$131

Quotes & Discounts

Discount typeFarmers State Farm
Multiple PolicyUp to 10%Up to 17%
EV/HybridUp to 5%--
Affinity groupVaries--
Anti-Theft DeviceVariesUp to 15%
Anti-lock BrakeVariesUp to 20%
Claims Free RenewalVariesVaries
Daytime Running LightsVariesVaries
Defensive DriverVariesUp to 5%
Driving HabitsVariesUp to 30%
Driving trainingVariesVaries
E-billingVaries--
Early QuoteVaries--
Electronic Stability ControlVaries--
FamilyVaries--
Good DriverVariesUp to 25%
Good PayerVaries--
Good StudentVariesUp to 25%
Home OwnerVariesVaries
LoyaltyVariesVaries
Mature driverVariesVaries
MilitaryVariesVaries
Multiple VehicleVariesUp to 20%
On Your OwnVaries--
OrganizationVaries--
Paid in fullVaries--
Paperless documentsVaries--
Passive RestraintVariesUp to 40%
Preferred paymentVaries--
PrepayVaries--
Professional organizationVaries--
Provider SwitchVaries--
Senior AdultVariesVaries
Student Away at SchoolVariesVaries
VIN EtchingVaries--
Youth DrivingVaries--
teenSMARTVariesUp to 15%
Accident Free--Up to 15%
Good Credit--Up to 80%
Low Mileage--Up to 10%
New Car--Up to 40%
Travelink--Varies

Payment Methods

Discount typeFarmers State Farm
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
In Person Payment
yesyes
Mail Payment
yesyes
Mobile App Payments
yesyes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Pay Through Your Agent
--yes
Person 2 Person Payment --yes
Phone Payment
yesyes

Features and Services

Features and ServicesFarmers State Farm
24/7 service--yes
Accident forgivenessyes--
Enhanced towing & substitute coverage--yes
Flexible / convenient paymentsyesyes
Loyalty rewards program--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesFarmers State Farm
Accident Forgiveness
yes--
Accidental Death, Dismemberment, Disability
--yes
Antique or Collector Car Insurance
yesyes
Comprehensive Claim Forgiveness
yes--
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
yesyes
Glass Coverage yesyes
Incident Forgiveness
yes--
Loss of Use Coverage
yes--
Mechanical Breakdown Insurance
--yes
New Car Replacement Coverage
yes--
No Fault Coverage
yes--
Original Equipment Manufacturer Coverage
yes--
Personal/Upgraded Item Coverage
yes--
Preferred Repair Services
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
yesyes
Roadside Assistance
yesyes
Small Claim Forgiveness
yes--
Umbrella Policy
yes--
Vanishing Deductible
yes--

Uber and Lyft driver insurance

  • Farmers
  • State Farm
  • Both

SR‌-22 Insurance by State

  • Farmers
  • State Farm
  • Both

Compare Insurance Products

ProductFarmers State Farm
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insuranceyesyes
Classic Car InsuranceClassic Car Insuranceyes--
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Disability InsuranceDisability Insurance--yes
Earthquake InsuranceEarthquake Insuranceyes--
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insuranceyesyes
Golf Cart InsuranceGolf Cart Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insuranceyesyes
Long-Term Care InsuranceLong-Term Care Insurance--yes
Mobile Home InsuranceMobile Home Insuranceyesyes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insuranceyes--
Recreational InsuranceRecreational Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Snowmobile insuranceSnowmobile insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Farmers Reviews
  • State Farm 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.