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With very few exceptions, everyone needs car insurance. But finding the right car insurance that fits within your budget and offers coverage that’s right for you can mean hours at the computer, clicking and comparing. 

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With the hope of making that decision easier for you, we compared average annual rates from the nation’s largest car insurance companies. We also asked car insurance customers to tell us what it’s like to file a claim with their auto insurance companies. We wanted to know what worked well for them and what they found frustrating. 

If you’re shopping for car insurance, you’ve probably visited the Farmers and State Farm websites. They can be confused for one another, given that “Farm” makes up part of both of their names. But there are significant differences between these to auto insurance companies, and we’ll detail those here to help you find if one of these companies is the right insurer for you.

State Farm vs. Farmers: Pros & Cons

State Farm

    • Great choice for most drivers

    • Relatively low average representative rates

    • Strong customer service scores

    • More expensive for driver profiles with poor credit

Farmers

    • Nearly 70% of customers say they’ll renew

    • Study rates are higher than many others

State Farm vs. Farmers Customer Satisfaction

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1. USAA
  2. Geico
  3. Allstate
  4. State Farm
  5. Farmers
  6. Progressive
  7. American Family
  8. Nationwide
  9. Travelers

Read more about the Best Car Insurance Companies »

State Farm Auto Insurance Rating

Rating: 4.06/5

Like a good neighbor, State Farm has been there in the top spot as the nation’s largest insurance company for some time. At the end of 2017, it had 18.3% of the market, well ahead of number two Geico. 

State Farm scored equally well on customer service and the ease of filing a claim, according to our survey respondents. Nearly 70% of respondents said that they would be likely to recommend State Farm to others, and three-quarters said they’d renew their State Farm car insurance.

Read our full State Farm review to learn more »

Farmers Auto Insurance Rating

Rating: 3.94/5

Farmers insurance has a weirdly catchy little theme song: “We are Farmers. Bum-ba-dum-ba-bum-bum-bum.” But it’s not quite enough to lift it out of seventh place in the market, with a 4.49% market share. 

Farmers scored highly in customer service and the ease of filing a claim. Only about half of the people in our survey would recommend it to others for auto insurance, but almost 70% were likely to renew their policy with Farmers. 

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Read our full Farmers review to learn more »

How We Did This Comparison

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings. 

We surveyed 2,732 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. Of the survey respondents, 463 filed a claim with State Farm and 74 filed a claim with Farmers. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies Rankings and this head-to-head comparison.

Our Study Rates

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 12,000 miles per year and have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

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State Farm and Farmers Car Insurance: Which Is Cheapest?

State Farm falls in the top half of the list of cheapest auto insurers, according to our research, while Farmers’ average study rates are near the bottom. The national average for car insurance with State Farm is $1,234, while at Farmers it’s $1,682.  Our driver profiles could save about 25% by getting insurance through State Farm rather than Farmers, based on our study rates.

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

Read more about the Cheapest Car Insurance Companies »

State Farm and Farmers Car Insurance: Which Is Cheapest for Men?

 

25-year-old male

35-year-old male

60-year-old male

State Farm

$1,468.63

$1,204.67

$1,098.01

Farmers

$1,996.14

$1,619.40

$1,507.00

Auto insurance representative rates for male driver profiles from State Farm are about $300 lower than they are with Farmers. At age 25, the average rate in our study for this profile group is $1,469 with State Farm and $1,996 with Farmers. Representative rates drop for both insurers at age 35, with male driver profiles having an average of $1,205 at State Farm and $1,619 at Farmers. Both of these driver profiles are about 25% lower at State Farm.

Some of the lowest rates in our analysis from any insurer are for 60-year-old driver profiles. Here, the average car insurance rates in our study for male driver profiles at State Farm is $1,098, while at Farmers the average is $1,507. That’s about $400 more than the average at State Farm. 

To find the average rates in our study based on gender and age, we created driver profiles for males in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

State Farm and Farmers Car Insurance: Which Is Cheapest for Women?

 

25-year-old female

35-year-old female

60-year-old female

State Farm

$1,330.05

$1,204.67

$1,098.01

Farmers

$1,907.90

$1,630.54

$1,430.82

Female driver profiles in our study also have lower average car insurance representative rates from State Farm. The average for a 25-year-old female driver profile with State Farm is $1,330, while at Farmers the average is $1,908 – almost $600 higher. 

At age 35, we found that the average auto insurance rates in our analysis for female driver profiles drop to $1,205 at State Farm, which is exactly the same study rate as the male driver profile of the same age. At Farmers, female profiles at age 35 have an average representative rate of $1,631, which is only $12 higher than the average for the male driver profile. 

State Farm again has the same average for male and female driver profiles at age 60, $1,098. Farmers has an average car insurance study rate of $1,431 for female profiles at age 60, about $80 less than their average for male driver profiles of the same age. 

We created driver profiles for females in each of the following ages: 25 years, 35 years, and 60 years. The profiles have a clean driving record, 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

State Farm and Farmers Car Insurance: Which Is Cheapest for High Mileage?

 

12,000 miles annually

State Farm

$1,234.01

Farmers

$1,681.97

In our study, the average car insurance representative rate at Farmers for profiles with 12,000 miles of annual driving is $1,682. At State Farm, the average is $1,234, a difference of about $450. 

To find the average rates in our study based on annual mileage, we created driver profiles for customers who drove 12,000 miles per year. The profiles have a clean driving record, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

State Farm and Farmers Car Insurance: Which Is Cheapest for Low Mileage?

 

6,000 miles annually

State Farm

$1,113.59

Farmers

$1,670.19

Driver profiles with only 6,000 miles a year have lower car insurance rates in our analysis, but not by much. State Farm’s average for driver profiles that put less time behind the wheel is $1,114. Farmers’ average is $1,670, which is only $12 less than its average rate in our study for higher mileage. But that’s about $550 more than driver profiles with low mileage have on average at State Farm.

To find the average rates in our study based on annual mileage, we created driver profiles for customers who drove 6,000 miles per year. The profiles also have a clean driving record, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

State Farm and Farmers Car Insurance: Which Is Cheapest for Good Credit?

 

Good credit

State Farm

$1,231.37

Farmers

$1,642.06

Driver profiles with good credit will have some of the lowest auto insurance rates available. At State Farm, the average representative rates for these driver profiles is $1,231. At Farmers, the average study rate for the same driver profile is about 25% higher, at $1,642. 

Our study reviewed the effects of credit score on car insurance rates using male and female driver profiles aged 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a medium level of insurance coverage, and 12,000 miles of annual driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

State Farm and Farmers Car Insurance: Which Is Cheapest for Bad Credit?

 

Poor credit

State Farm

$2,744.71

Farmers

$2,668.67

Drivers with poor credit are seen as being potentially riskier to insure, so their rates are often higher. In the case of State Farm, the average study rate for the driver profile with poor credit is far higher: $2,745. That’s more than double the average study rate for driver profiles with good credit at the same insurer. 

This is one of the few profiles in our analysis where Farmers is less expensive, with an average study rate of $2,669. That’s still about $1,000 more than its average for driver profiles with good credit, but it’s also about $75 less than State Farm’s average representative rate for driver profiles with poor credit. 

To compare the effects of credit score on car insurance rates, we used male and female driver profiles aged 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a medium level of insurance coverage, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

State Farm and Farmers Car Insurance: Which Is Cheapest for Good Drivers?

 

Clean record

State Farm

$1,234.01

Farmers

$1,681.97

It makes sense that a driver with a clean record will see the lowest car insurance rates. At Farmers, the average representative rate for a driver profile with no violations is $1,682. The average study rate at State Farm is again lower, at $1,234.

We compared driver profiles including those with a clean record, those with one speeding violation, those with one accident, and those with one instance of driving under the influence (DUI). These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

State Farm and Farmers Car Insurance: Which Is Cheapest After a Speeding Ticket?

 

With 1 speeding violation

State Farm

$1,374.63

Farmers

$2,099.32

Speeding leads to accidents, and accidents mean claims, so car insurance rates go up. At Farmers, the average study rate for a driver profile with a ticket is $2,099, and at State Farm, it’s $1,375. Getting a ticket is less of a penalty for those insured with State Farm, with a rate hike of about $140. It’s also one of the lowest study rates for this profile among all the major insurers we looked at. At Farmers the average goes up by more than $400 over a driver profile with a clean record. 

To analyze these rates, we particularly looked at driver profiles with one speeding violation. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

State Farm and Farmers Car Insurance: Which Is Cheapest After an Accident?

 

With 1 accident

State Farm

$1,486.96

Farmers

$2,445.87

As we said, accidents mean claims, and that means more expensive car insurance. At State Farm, the average representative rate for a driver profile with an accident on record is $1,487, about 20% higher than a driver with a clean record. That’s the smallest rate hike for this profile of any of the insurers in our study. At Farmers, the average study rate after an accident is $2,446, about 45% higher.

We analyzed driver profiles with one accident to find these average rates. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

State Farm and Farmers Car Insurance: Which Is Cheapest After a DUI?

 

With 1 DUI

State Farm

$1,680.87

Farmers

$2,640.01

Car insurers often save their steepest rate hikes for those who have a DUI conviction, and the same is true for both State Farm and Farmers, according to our analysis. At State Farm, the average auto insurance rate in our study for a profile with a DUI is the lowest of any insurer, at $1,681. At Farmers, the study rate rises by about $950 to $2,640. 

We compared driver profiles with one instance of driving under the influence (DUI) to arrive at these average rates in our study. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1.     USAA
  2.     Geico
  3.     Allstate
  4.     State Farm
  5.     Farmers
  6.     Progressive
  7.     American Family
  8.     Nationwide
  9.     Travelers

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

Car Insurance Hub | Best Car Insurance Companies | Cheapest Car Insurance Companies

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.