Auto Insurance · Head-to-head
State Farm vs Farmers: Which auto insurance wins?
Side-by-side comparison of State Farm and Farmers auto insurance — average premiums, coverage strength, claims & support, 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.
Editor's verdict
State Farm wins on price, claims, and bundling — Farmers wins only on niche product breadth.
State Farm's $1,471/year national average undercuts Farmers' $1,920 by $449 — a 23% gap. State Farm also outscores Farmers on J.D. Power claims satisfaction (#3 vs. #15) and carries a stronger AM Best rating (A++ vs. A). Farmers' edge is its breadth of niche products (mobile home, RV, motorcycle, ATV, ridesharing endorsements) bundled into a single policy. Verdict: clean-record drivers focused on auto + home → State Farm. Specialty-vehicle households needing multiple unusual coverages → Farmers.
- State Farm is $449/year cheaper on average (Quadrant 2024).
- State Farm carries AM Best A++ vs. Farmers' A — meaningful financial-strength edge.
- State Farm ranks #3 on J.D. Power claims; Farmers ranks #15.
- Farmers wins on niche products (mobile home, motorcycle, ridesharing) — its core strength.
- Both run agent-driven distribution at similar scale (~19K vs. ~13K agents).
Side-by-side breakdown
| Feature | State Farm | Farmers |
|---|---|---|
| Avg full-coverage premium | $1,471/yr | $1,920/yr |
| Avg liability-only premium | $568/yr | $690/yr |
| A.M. Best financial strength | — | — |
| Best for | bundling · good credit | new car replacement · agent service |
| Overall rating | 4.5/5 | 4.1/5 |
| Price & savings score (40%) | 4.4 | 3.9 |
| Coverage strength score (25%) | 4.6 | 4.3 |
| Quote & buy experience (20%) | 4.5 | 4.0 |
| Claims & support score (15%) | 4.7 | 4.2 |
Avg full-coverage premium
State Farm
$1,471/yr
Farmers
$1,920/yr
Avg liability-only premium
State Farm
$568/yr
Farmers
$690/yr
A.M. Best financial strength
State Farm
—
Farmers
—
Best for
State Farm
bundling · good credit
Farmers
new car replacement · agent service
Overall rating
State Farm
4.5/5
Farmers
4.1/5
Price & savings score (40%)
State Farm
4.4
Farmers
3.9
Coverage strength score (25%)
State Farm
4.6
Farmers
4.3
Quote & buy experience (20%)
State Farm
4.5
Farmers
4.0
Claims & 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.
Read the full State Farm reviewWhy 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.
Read the full Farmers reviewWho should pick which?
Pick State Farm if…
- You want the lowest annual premium — State Farm averages $1,471/yr for full coverage, $449 less than Farmers.
- You value claims responsiveness — State Farm scores higher on claims & support.
- You want a smooth quote-and-buy flow with minimal phone follow-up.
Pick Farmers if…
- Your driver profile leans new car replacement — Farmers's underwriting is best-in-class there.
Frequently asked questions
Answers to the most-searched questions about State Farm vs Farmers.