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Farmers vs Shelter Insurance

Side-by-side car insurance comparison based on rates across all available locations

Farmers

4

Avg Monthly

$109/mo

Best Rate

$62/mo

Best For

Rural coverage

Top Discount

Good student 20%

Available In

14 locations

VS
Lower Avg Rate

Shelter Insurance

4.5

Avg Monthly

$81/mo

Best Rate

$70/mo

Best For

Oklahoma residents

Top Discount

Multi-policy 15%

Available In

5 locations

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Rate Comparison by State

Farmers cheaper: 0Shelter Insurance cheaper: 2
Oklahoma$128/mo$98/moShelter Insurance saves $30/mo
Arkansas$120/mo$88/moShelter Insurance saves $32/mo

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Which Should You Choose?

Shelter Insurance is the cheaper option in 2 of 2 states where both insurers operate, saving an average of $31/month. Farmers is cheaper in 0 states.

Shelter Insurance has a higher average customer rating (4.5/5) compared to Farmers (4/5). However, ratings can vary by state and coverage type.

Farmers is generally best for rural coverage, while Shelter Insurance stands out for oklahoma residents. The right choice depends on your priorities — lowest price, best service, or specific discounts.

Get a Farmers Quote

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Farmers vs Shelter Insurance — FAQs

Is Farmers cheaper than Shelter Insurance?
Shelter Insurance is cheaper in 2 of 2 states where both operate. However, rates vary by location, so Farmers may be cheaper in your area. Always compare quotes for your specific state and circumstances.
Which has better ratings — Farmers or Shelter Insurance?
Farmers has an average rating of 4/5, while Shelter Insurance averages 4.5/5 across all states. Both are well-established insurers with strong financial stability.
What discounts does Farmers offer vs Shelter Insurance?
Farmers's top discount is "Good student 20%", while Shelter Insurance offers "Multi-policy 15%". Both insurers offer multi-policy, good driver, and other standard discounts — check each insurer's site for the full list.
Can I switch from Farmers to Shelter Insurance?
Yes. You can switch car insurance at any time, though it's usually best to switch at renewal to avoid cancellation fees. Get quotes from both Farmers and Shelter Insurance to compare rates for your specific situation.
Which is better for my state?
It depends on where you live. Use the rate comparison table above to see which insurer is cheaper in your state. Factors like your driving record, age, and vehicle also affect your personal quote.

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