Farmers vs. State Farm: Which provider is better for you?

Farmers vs. State Farm: Which provider is better for you?

Farmers vs. State Farm

Trying to decide between Farmers and State Farm? They’re both heavy-hitters in the insurance industry. Farmers was established in 1928, and State Farm has been around since 1922.

Both providers offer vehicle and driver discounts, making car insurance more affordable. And both get a good grade from the Better Business Bureau: Farmers an A- and State Farm a B+.

They’re starting to sound quite similar, so how do you choose? Our side-by-side comparison of Farmers and State Farm gives you the information you need to make the decision.

Compare 7+ car insurance quotes at once

Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

Your information is secure.

Farmers insuranceFarmersState FarmState Farm
About“Serving America since 1928”, Farmers is one of the top names in car insurance with close to 20 million policies throughout all of America. With several different types of insurance to choose from, Farmers aims to insure that customers have peace of mind with its award-winning Farmers Claim Services.Founded in 1922, State Farm ranks as one of the top companies where cars and homes are insured. State Farm stands by its customers by striving to offer the best products and prices. The company is no stranger to the Fortune 500 list.
PricePolicy costs depend your personal situation. Visit Farmers for a quote based on your specific needs.Policy costs depend your personal situation. Visit StateFarm for a quote based on your specific needs.
States servedAll 50 statesAll 50 states
User satisfaction*A-B+
J.D. Power ratings**3/5 on overall claims satisfaction3/5 on overall claims satisfaction
Driver discountsView driver discounts
Vehicle discountsView vehicle discounts


* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

Farmers insuranceFarmersState FarmState Farm
Good studentYes (B average or 3.0 GPA or higher)Up to 25% (under 25). Additional discount if student is away from home and only using the car when back home.
Defensive driverNoYes
Good driverYesYes (3 years no moving violations or at-fault accidents)
Pay in full discountNoNo
Multi carUp to 20% (two or more vehicles in household)
MilitaryNoNo
HomeownerYesNo
Other discounts
  • Distant students – 23 or younger, 100+ miles away from home
  • Teen driver – Single licensed driver under 19
  • Youthful driver – Driver under 25 in the household
  • Transfer discount – Switch to Farmers with no lapse in coverage
  • Driving training – Varies (all operators under 21 complete approved drivers education)
  • Drive Safe & Safe – Enroll in the State Farm app

Vehicle discounts

Farmers insuranceFarmersState FarmState Farm
Anti-theft deviceYesYes
Anti-lock brakeYesNo
Passive restraintsYesUp to 40% (medical-related coverage, vehicle made in 1994 or later)
Air bagYesYes
Other discounts
  • Alternative fuel – Vehicle is fueled by new alternative resources like electric / gasoline hybrid, electric, ethanol, methanol
  • Vehicle safety discount – Up to 40% (medical-related coverage, vehicle made in 1994 or later)

Bottom line

State Farm and Farmers offer an equal amount of discounts, so your best bet is to keep your personal situation in mind when comparing. If you are looking for an anti-lock brake discount, Sate Farm doesn’t offer that one. But if you want a defensive driver discount, you’ll want to go with State Farm.

Compare 7+ car insurance quotes at once

Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

Your information is secure.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Go to site