State Farm vs. Farmers: Which offers the cheapest auto insurance rates?

State Farm vs. Farmers: Which one is the cheapest?

State Farm costs an average of $502 annually for state minimum coverage, while Farmers has average state minimum rates of $701 a year.

For full coverage with 100/300/100 liability limits and $500 deductibles for comprehensive and collision coverage, State Farm costs $1,984 per year. Farmers charges more, with an average cost of $2,387 annually.

It's always smart to shop around and compare quotes, since prices and coverage can vary by state and depend on your personal situation.

Company	Average annual rate for full coverage	Average annual rate for state minimum coverage	Average annual premium for liability-only (50/100/50) car insurance
State Farm	$1,984	$502	$651
Farmers	$2,387	$701	$991

State Farm vs. Farmers: Rates by age group

For a teen — one of the most expensive age groups to insure — State Farm has the cheapest rates, coming in at $5,368 per year. Farmers costs an average of $8,348 for a teen driver.

Age plays a big role in calculating insurance rates. Companies use data on speeding, accidents, and distracted driving. Teen drivers are one of the riskiest and the most expensive age groups to insure. Rates drop as you get older.

For example, adults pay an average of $1,985 a year at State Farm, while car insurance for adults at Farmers costs $2,336 per year.

Age group	State Farm	Farmers
Teens	$5,368	$8,348
Young adults	$3,179	$3,602
Adults	$1,985	$2,336
Seniors	$1,858	$2,290

State Farm vs. Farmers: Rates for high-risk drivers

State Farm has the best rates for high-risk drivers. A high-risk driver is someone who has multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it a challenge to find affordable auto insurance.

For the drivers with DUI, State Farm is cheaper, with average rates of $3,179.

Take a look at the table below for State Farm rates compared to Farmers rates.

Type of violation	State Farm	Farmers
1 At-fault property damage accident over $2K	$2,411	$3,914
1 At-fault property damage accident under $2K	$2,403	$3,890
At-fault bodily injury accident	$2,497	$4,128
Careless driving	$2,419	$4,414
DUI	$3,179	$5,129
Reckless driving	$3,037	$5,089
Speeding	$2,321	$3,380

State Farm vs. Farmers: Which is better rated?

When choosing an insurance company, it's important to consider more than just price. Customer service, claims processing and a good online experience also matter. Check out the table below to see how State Farm and Farmers ranked among the best car insurance companies of 2025.

Overall, State Farm received a score of 4.27, while Farmers scored 3.69.

Ratings	Farmers	State Farm
NAIC	0.80	0.70
AM Best	A	A++
Average annual premium	$2,388	$1,980
Average monthly premium	$199	$165
Customer Satisfaction	4.1	4.2
Insurance.com score	3.7	4.3

State Farm vs. Farmers: Rates in your state

Insurance rates change from state to state. Companies look at data from your ZIP code such as weather, crime, and traffic to figure out the risk. The table below shows where you'll find the lowest rates for State Farm and Farmers. Always compare multiple quotes, since your location, driving record, and personal details will affect your final price.

State	State Farm	Farmers
Alabama	$1,790	$2,542
Alaska	$1,713	N/A
Arizona	$2,233	$2,331
Arkansas	$2,060	$2,248
California	$2,701	$3,035
Colorado	$1,950	$3,578
Connecticut	$1,733	$2,192
Delaware	$2,153	N/A
Florida	$2,119	$3,261
Georgia	$2,344	N/A
Hawaii	$1,938	$1,495
Idaho	$1,120	$1,606
Illinois	$1,633	N/A
Indiana	$1,616	$1,956
Iowa	$1,306	N/A
Kansas	$1,976	$1,992
Kentucky	$2,753	$3,548
Louisiana	$3,570	$3,002
Maine	$1,262	$1,664
Maryland	$2,177	N/A
Massachusetts	$689	$1,966
Michigan	$3,698	N/A
Minnesota	$1,525	N/A
Mississippi	$1,797	N/A
Missouri	$2,072	N/A
Montana	$1,858	$2,939
Nebraska	$2,344	N/A
Nevada	$1,443	$2,328
New Hampshire	$1,155	$1,954
New Jersey	$2,153	$2,254
New Mexico	$1,669	$2,740
New York	$1,951	N/A
North Carolina	$1,180	$2,028
North Dakota	$1,738	$2,077
Ohio	N/A	$1,794
Oklahoma	$1,861	$2,717
Oregon	$1,502	$2,210
Pennsylvania	$2,473	N/A
Rhode Island	$1,319	$3,336
South Carolina	$2,106	N/A
South Dakota	$2,096	$2,207
Tennessee	$1,677	$1,770
Texas	$1,956	$4,127
Utah	$2,175	$2,638
Vermont	$1,139	$2,333
Virginia	$1,479	N/A
Washington	$1,794	$1,714
Washington, D.C.	$2,426	N/A
West Virginia	$1,691	$2,442
Wisconsin	$2,378	$2,139
Wyoming	$1,521	$1,623

State Farm vs. Farmers: Which offers better discounts?

Discounts are a great way to save money on your annual insurance premiums. Below are some of the discounts that State Farm and Farmers offer to their customers.

Discounts	Farmers	State Farm
Days advanced purchase	8%	N/A
Homeowner	5%	2%
Paperless/electornic documents	5%	N/A
Payment type	5%	N/A
Purchase status	5%	N/A
Safety devices	3%	4%
Marital status	4%	N/A
Electronic funds transfer	3%	N/A
Air bags	1%	2%
Daily commute	N/A	2%
Loyalty	1%	18%
Lower annual mileage	15%	10%
Telematics	N/A	13%
Multi policy	11%	10%
Anti-theft device	0%	1%

When shopping for car insurance, always ask about available discounts to see which ones you qualify for.

State Farm vs. Farmers: The bottom line

Both State Farm and Farmers are solid insurance companies, but if rates are what matter most to you, State Farm may be the choice for you. However, we always recommend considering more than just rates to find the best car insurance for your needs and comparing quotes from multiple companies.

Methodology

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on: