- State Farm vs. Farmers: Which one is the cheapest?
- State Farm vs. Farmers: Rates by age group
- State Farm vs. Farmers: Rates for high-risk drivers
- State Farm vs. Farmers: Which is better rated?
- State Farm vs. Farmers: Rates in your state
- State Farm vs. Farmers: Which offers better discounts?
- State Farm vs. Farmers: The bottom line
- Methodology
State Farm vs. Farmers: Which one is the cheapest?
State Farm costs an average of $502, while Farmers has average rates for state minimum coverage of $701.
For full coverage with 100/300/100 in liability coverage and $500 deductibles for comprehensive and collision insurance, State Farm costs an average of $1,984. Farmers costs more at an average of $2,387.
It's always a good idea to shop around for quotes, however, because prices and coverage vary from state to state and depend on your individual 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
Teen drivers pay the highest car insurance rates. State Farm offers the cheapest car insurance rates for teen drivers at $5,368 per year. On the other hand, Farmers offers car insurance rates at an average of $8,348 annually.
Age plays a major role in determining auto insurance rates. Companies consider speeding, accident trends and distracted driving statistics. Teen drivers are one of the riskiest groups to insure, making their rates the highest. However, insurance costs go down as you get older.
Adults pay an average of $1,985 with State Farm, while Farmers charges an average of $2,336 for an adult. The table below lists the car insurance rates for different age groups for State Farm and Farmers.
| 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 offers the lowest rates for high-risk drivers. A high-risk driver is someone with multiple speeding tickets, accidents or a serious offense like a DUI on their record. This can make it harder to find affordable car insurance.
For drivers with a DUI, State Farm is more affordable, with an average rate of $3,179.
Check out the table below to see how State Farm rates compare to Farmers rates for different driving violations.
| 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?
Customer service, claims processing and a positive online experience are just a few things to consider along with price when choosing an insurance carrierAn insurance carrier is the company that provides your car insurance policy and pays claims.. Take a look at the table below to see how State Farm and Farmers scored in the best car insurance companies of 2025.
Overall, State Farm scored 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 | ||
| Insurance.com score |
State Farm vs. Farmers: Rates in your state
Insurance rates are different in each state. Companies use information from your ZIP code, like weather, crime and traffic patterns, to calculate the risk. The table below shows where you can find the cheapest rates from State Farm and Farmers. It's always a good idea to compare multiple quotes, as your final price will depend on your location, driving history and personal situation.
| 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 big draw for customers and can offer significant savings on your annual premiums. Below are some of the discounts 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% |
Always be sure to ask about available discounts when you're shopping around for insurance to see what you may qualify for.
State Farm vs. Farmers: The bottom line
Both State Farm and Farmers are good insurance companies, but if getting the lowest rates is your priority, State Farm might be the best option for you. However, it's always a good idea to look beyond just the price and compare quotes from multiple companies to find the best car insurance for your needs.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Services for state minimum coverage and full coverage with liability limits of 100/300/100 with $500 deductibles. Base sample rates are based on a 40-year-old male driver with a clean record and good credit driving a 2023 Honda Accord LX. Rates were also fielded for multiple age groups and driver profiles compared with the base sample rate.
Company ratings were gathered from third-party sources including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). We also gathered data from the Insure.com annual survey of car insurance customers.
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