State Farm vs Farmers Car Insurance
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State Farm vs Farmers: Which Car Insurance Company Is Best for You?
Choosing the right car insurance company can save you hundreds of dollars per year. State Farm and Farmers Insurance are two of the most popular auto insurance carriers in the United States and both can be viable options for your next car insurance policy. To make the process as simple as possible for you, we've compared rates from each of these providers so you can make an informed decision when deciding which insurer is best for you.
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State Farm vs Farmers Car Insurance: Rates by Credit Score
If your credit score needs some work, Farmers may be your best bet. For customers whose credit score is below below 580, Farmers charges approximately $1,000 less than State Farm. On the contrary, those with exceptional scores, or above 800, saw prices from State Farm almost $100 cheaper than those from Farmers.
Rates by Credit Score: State Farm vs Farmers Insurance
| Credit level | State Farm avg. annual premium | Farmers avg. annual premium |
|---|---|---|
| Very Poor (300-579) | $3,523 | $2,631 |
| Fair (580-669) | $2,001 | $1,739 |
| Good (670-739) | $1,615 | $1,882 |
| Very Good (740-799) | $1,421 | $1,450 |
| Exceptional (800-850) | $1,261 | $1,357 |
State Farm vs Farmers Car Insurance: High-Risk Drivers
Consumers with reckless driving tickets, speeding tickets, and at-fault accidents with greater than $1,000 in damages on their record saved more money when using State Farm Car Insurance. Drivers with at-fault accidents less than $1,000 and DWIs on their record save more money when using Farmers Insurance.
Rates by Violation: State Farm vs Farmers Insurance
| Infraction | State Farm avg. annual premium | Farmers avg. annual premium |
|---|---|---|
| At-Fault Accident (<$1,000 in Damages) | $2,841 | $2,333 |
| At-Fault Accident (>$1,000 in Damages) | $1,522 | $1,696 |
| DWI/DUI | $3,854 | $3,235 |
| Reckless Driving | $2,898 | $4,634 |
| Speeding | $1,980 | $2,048 |
As shown above, State Farm and Farmers charge differently for a variety of circumstances, so make sure to figure out which provider works best for you based on your unique situation.
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State Farm vs Farmers Car Insurance: Rates by Age
Insurance providers utilize the age of their drivers as a means to estimate how much risk they could be on the road. For instance, teen drivers commonly pay more due to their inexperience operating vehicles. Drivers from age 30 to 60 generally enjoy the cheapest rates. Below is how State Farm and Farmers compare regarding premiums for specific age groups.
Rates by Age: State Farm vs Farmers Insurance
| Age | State Farm avg. annual premium | Farmers avg. annual premium |
|---|---|---|
| Teens | $5,822 | $6,511 |
| 20s | $2,377 | $2,025 |
| 30s | $1,584 | $2,028 |
| 40s | $1,589 | $1,510 |
| 50s | $1,550 | $1,501 |
| 60s | $1,480 | $1,407 |
As you can see, age is an important factor when determining how much you will pay for car insurance. We recommended you do your due diligence when selecting a provider and check out our free insurance rate comparison tool, which helps you compare rates instantly from the top 20 companies in your zip code.
State Farm vs Farmers Car Insurance: Emergency Road Services
State Farm Roadside Assistance provides vehicle removal, fuel delivery, locksmith services, tire changes, and jump-starting. It also comes with a towing service that will bring your vehicle to a repair station of your choosing.
Farmers Insurance offers roadside service that assists their customers for any reasonable or necessary service. The service includes roadside winching, locksmith services, jump starts, and flat tire changes. Farmers will cover up to $150 for towing services.
State Farm vs Farmers Car Insurance: Additional Discounts
Both providers offer an array of discounts for different characteristics of the driver and their vehicle. State Farm offers a special discount for vehicles manufactured after 1994, whereas Farmers has a discount for senior drivers. The discounts they offer differ from branch to branch.
State Farm has a few offers, such as a Telemagic Discount and Yearly Mileage Discount. Farmers, on the other hand, has a Home Owner discount and an Eco-Friendly Vehicle Discount. Below is the full list of discounts offered by both companies.
| Discount Comparison | State Farm | Farmers |
|---|---|---|
| Good Driving Discount | ||
| Good Student Discount | ||
| Air Bag Discount | ||
| Anti-Theft Device Discount | ||
| Multiply Policy Holder Discount | ||
| Multiple Vehicle Discount | ||
| Defensive Driver Course Discount | ||
| Driving Class Discount | ||
| Anti-Lock Brake Discount | ||
| Eco-Friendly Vehicle Discount | ||
| Student Abroad At School Discoun | ||
| Advanced Purchasing Discount | ||
| Full Payment Discount | ||
| New Vehicle Discount | ||
| Home Owner Discount | ||
| Telematic Discount | ||
| Electronic Payment Discount | ||
| Yearly Mileage Discount | ||
| Military Discount |
Frequently Asked Questions
What if your car is towed? Can State Farm or Farmers cover the towing fee?
Roadside assistance coverage can help you tow your car if it was in an accident, but not in the case of a parking violation.
Does Farmers give any exclusions?
Farmers does have a history of allowing exclusions in some cases. You would need to speak with an agent for further details on specific cases.
Why would your rates suddenly increase on an insurance policy?
Your premiums depend upon certain policy details, so speak with an agent about examples they have dealt with personally. Price increases are often attributed to issues like new traffic violations being put on your record.
Will State Farm or Farmers match car insurance quotes from other providers?
In truth, every car insurance provider bases their quotes on how well they have been doing as a company within the last year or even quarter. You may be able to use a high quote from another company when it comes to receiving more options for discounts, but it won't necessarily mean you get a better offer if the branch simply can't provide one.