Farmers vs State Farm - Which Car Insurance is Cheaper?

Farmers and State Farm are both solid car insurance companies, but what do consumers have to say about each company? With all the flashy advertising done by insurance companies, it's easy to overlook the real experiences of consumers with these companies.

Consumers can find the lowest rates in their area by comparing multiple quotes from insurance companies in your state.

Farmers and State Farm Consumer Ratings


Policy Offerings
Pricing
Billing and Payment
Contacting the Insurer
Overall Satisfaction
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Data source: J.D.Power 2011 National Auto Insurance Study

Farmers scored lower State Farm on policy offerings, which means that State Farm offers more coverages or policy types than Farmers. The more coverages you can choose from means you can get an insurance program that is more tailored to your specific needs.

Farmers and State Farm Price Comparison

Farmers scored worse than State Farm on consumer price ratings. This doesn't mean that Farmers will always have worse pricing on car insurance than State Farm. Finding the best car insurance rate depends entirely upon comparing both Farmers and State Farm car insurance rates.

Farmers vs State Farm - Which Car Insurance is Cheaper?

Since different companies rate drivers in different ways, you need to get a car insurance comparison quote now to find out which company offers the lowest rates in your area. It may be Farmers or State Farm, or possibly even a different company.

Farmers scored lower than State Farm on billing and payment satisfaction. Companies can score higher on this rating if they offer more flexible payment options such as quarterly payments or pay-in-full discounts.

Perhaps most important is being able to actually get ahold of your car insurance company to file a claim or review coverages. Polled policyholders ranked Farmers lower than State Farm when it comes to being able to contact the company.

Choosing the Right Company

Do more stars actually guarantee a better insurance experience? Farmers may show fewer stars than State Farm for an overall rating, but that doesn't necessarily mean that you will have a better/worse experience or lower premiums with Farmers.

Keys to Finding the Best Car Insurance

Better drivers pay lower car insurance premiums
Make sure you compare apples-to-apples coverages
If you have an independent insurance agent, have them compare rates with multiple companies
To reduce your annual premium, consider dropping full coverage on vehicles that no longer need it