Farmers vs State Farm
Side-by-side car insurance comparison based on rates across all available locations
Farmers
4Avg Monthly
$109/mo
Best Rate
$62/mo
Best For
Rural coverage
Top Discount
Good student 20%
Available In
14 locations
State Farm
4.5Avg Monthly
$101/mo
Best Rate
$56/mo
Best For
Overall value
Top Discount
Multi-policy 17%
Founded
1922 · Bloomington, Illinois
Available In
50 locations
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Rate Comparison by State
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Pros & Cons
Farmers
Detailed profile not yet available for Farmers.
State Farm
Pros
- ✓Largest agent network in the US for local, in-person service
- ✓Consistently high customer satisfaction scores
- ✓Competitive rates for multi-policy bundles
- ✓Broad product range: auto, home, life, health, business
Cons
- ✗Premiums can be above average in some states
- ✗Digital tools lag behind online-first competitors
Which Should You Choose?
State Farm is the cheaper option in 14 of 14 states where both insurers operate, saving an average of $21/month. Farmers is cheaper in 0 states.
State Farm 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 State Farm stands out for overall value. The right choice depends on your priorities — lowest price, best service, or specific discounts.
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