Auto Insurance · Head-to-head
State Farm vs Farmers: Which auto insurance wins?
Side-by-side comparison of State Farm and Farmers auto insurances — APR ranges, credit floors, application speed, and editorial verdict.
State Farm
Highest customer satisfaction scores in the major-carrier tier (J.D. Power 2025). Best in class when bundled with home/renters/life — the Drive Safe & Save telematics + multi-policy stack averages 25% off vs. solo auto. Branch + agent network is the largest in the country for in-person service.
Farmers
New Car Replacement coverage (free for the first 24,000 miles or 2 model years) is unique among the top-10 carriers — if you total a new car, Farmers buys you a brand-new replacement, not just depreciated value. Premiums run 30-40% above GEICO so this is a niche pick for new-car buyers.
In plain English
Farmers wins on both dimensions — lower APR floor (undefined% vs undefined%) AND lower credit floor (null+ vs null+ FICO). State Farm can still be the better fit when application speed or loan-amount ceilings matter more — see the verdicts below.
Side-by-side breakdown
| Feature | State Farm | Farmers |
|---|---|---|
| APR range | — | — |
| Min credit score | — | — |
| Loan amount | — | — |
| Term length | — | — |
| Overall rating | 4.5/5 | 4.1/5 |
| Rates & APR score (40%) | 4.4 | 3.9 |
| Loan terms score (25%) | 4.6 | 4.3 |
| Application score (20%) | 4.5 | 4.0 |
| Support score (15%) | 4.7 | 4.2 |
APR range
State Farm
—
Farmers
—
Min credit score
State Farm
—
Farmers
—
Loan amount
State Farm
—
Farmers
—
Term length
State Farm
—
Farmers
—
Overall rating
State Farm
4.5/5
Farmers
4.1/5
Rates & APR score (40%)
State Farm
4.4
Farmers
3.9
Loan terms score (25%)
State Farm
4.6
Farmers
4.3
Application score (20%)
State Farm
4.5
Farmers
4.0
Support score (15%)
State Farm
4.7
Farmers
4.2
Editor verdicts
Why we rate State Farm 4.5/5
Highest customer satisfaction scores in the major-carrier tier (J.D. Power 2025). Best in class when bundled with home/renters/life — the Drive Safe & Save telematics + multi-policy stack averages 25% off vs. solo auto. Branch + agent network is the largest in the country for in-person service.
Why we rate Farmers 4.1/5
New Car Replacement coverage (free for the first 24,000 miles or 2 model years) is unique among the top-10 carriers — if you total a new car, Farmers buys you a brand-new replacement, not just depreciated value. Premiums run 30-40% above GEICO so this is a niche pick for new-car buyers.
Who should pick which?
Pick State Farm if…
- You prefer a fast, soft-pull-friendly online application.
- You want flexible loan terms and amount ranges.
Pick Farmers if…
- You trust Farmers's 4.1/5 editorial score.
Keep comparing