Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

Have you shopped for car insurance lately? If you’re like a lot of people, car insurance is a set-and-forget product. You pay your bills and hope you never have to use it. The problem with buying auto insurance and forgetting about it, or automatically renewing the same policy with the same company year after year, is that you could be inadvertently costing yourself thousands of dollars. Different auto insurance companies can charge vastly different rates, even for drivers with the same needs. Also, your situation may have changed – maybe you’re driving less, or you got married – and your rates should be adjusted as well.

To help you find the best car insurance company for your needs, we’re comparing two of the largest auto insurance companies: State Farm and Farmers. We’ll look at their rates and what their customers say about them so you can decide which company is right for you.

State Farm vs. Farmers: Which Is Cheaper?

State Farm is one of the least expensive of the 10 largest auto insurers, according to our research, while Farmers’ average rates are in the middle third. The national average for car insurance with State Farm is $3,260. It’s $4,194 at Farmers, which is $934 more than State Farm’s average.

Though this comparison focuses mainly on car insurance rates, we also looked at how satisfied car insurance customers are with their auto insurance company. For more information, check out our full ranking of the best car insurance companies and learn what real customers say about Farmers, Allstate, and their competitors.

How We Did This Comparison

U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. The rates are based on profiles for both male and female drivers aged 17, 25, 35, and 60. Vehicles used include the 2018 Honda Civic, 2018 Toyota RAV4, 2018 Ford F-150, 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage of 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. The rates shown here are for comparative purposes only. Individual rates will differ.

We also surveyed 2,799 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. 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 ranking and this head-to-head comparison.

State Farm

  • Great choice for most drivers
  • Relatively low average rates
  • Strong customer service scores

Farmers

  • 70 percent of customers say they’ll renew
  • Rates are higher than many others

State Farm Auto Insurance Information

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 percent of the market, well ahead of No.2 Geico.

State Farm scored equally well in customer service and ease of filing a claim, according to our survey respondents. More than 60 percent of respondents said they would recommend State Farm to others, and three-quarters said they’d renew their State Farm car insurance.

Farmers Auto Insurance Information

Farmers insurance has a weirdly catchy jingle: “We are Farmers. Bum-ba-dum-ba-bum-bum-bum.” But that's not quite enough to lift it out of seventh place in the market, where it has a 4.49 percent market share.

Farmers also 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 70 percent were likely to renew their policy with Farmers.

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

Company

Single 17-year-old female

Single 17-year-old male

Farmers

$8,521.97

$9,144.04

State Farm

$5,953.88

$7,324.34

The average auto insurance rate for 17-year-old drivers is significantly less with State Farm than it is with Farmers. At State Farm, the average car insurance rate for a young male driver is $7,324, and for a young female driver it’s $5,954. At Farmers, a 17-year-old male sees an average rate of $9,144, while a female driver of the same age sees an average of $8,522. Car insurance rates for teenage males cost an average of $1,819 more at Farmers, while teenage females see an even bigger difference: Their rates average $2,568 more at Farmers.

State Farm offers a 25 percent discount on car insurance for good students. Farmers discounts may vary by state, but it does have an auto insurance discount for good students.

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

Company

Single 25-year-old male

Married 35-year-old male

Married 60-year-old male

Farmers

$3,041.44

$2,557.75

$2,448.39

State Farm

$2,554.56

$2,081.72

$1,873.89

Auto insurance rates for men aged 25 and 35 are about $500 less with State From than they are with Farmers. At age 25, when car insurance rates drop for all drivers, the average rate is $2,555 with State Farm and $3,041 with Farmers. Rates drop again when men turn 35, with drivers paying an average of $2,082 with State Farm and $2,558 with Farmers.

Some of the lowest rates from any insurer are for 60-year-old drivers. Here, State Farm's average car insurance rate for males is $1,874, while at Farmers the average is $2,448, which is not much less than its rate for 35-year-old males. It’s also $575 more than State Farm's average rate.

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

Company

Single 25-year-old female

Married 35-year-old female

Married 60-year-old female

Farmers

$2,946.80

$2,556.98

$2,336.80

State Farm

$2,335.96

$2,081.72

$1,873.89

Female drivers also see lower average car insurance rates from State Farm. The average for a 25-year-old female with State Farm is $2,336, while at Farmers the average is $2,947 – about $600 more.

At age 35, the average auto insurance rate for females drops to $2,081 at State Farm, which is the same rate as for males of the same age. At Farmers, 35-year-old females pay an average rate of $2,558. To be perfectly precise, the average for males at Farmers is $2,557.75, while its $2,556.98 for females – a difference of less than a dollar.

State Farm has the same average rate for male and female drivers at age 60: $1,874. Farmers has an average rate of $2,336 for 65-year-old females, about $100 less than their average for males of the same age.

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

Company

12,000 miles annually

Farmers

$4,209.22

State Farm

$3,344.01

The average car insurance rate at Farmers for those who drive 12,000 miles each year is $4,209. At State Farm, the average is $3,344, a difference of $865.

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.

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

Company

6,000 miles annually

Farmers

$4,179.32

State Farm

$3,175.98

Those who only drive 6,000 miles a year have lower car insurance rates, but not by much. State Farm’s average for these drivers is $3,176. Farmers’ average is $4,179. That's only $30 less than its average rate for high-mileage drivers, but it's about $1,000 more than low-mileage drivers would pay on average at State Farm.

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

Company

Good credit

Farmers

$3,677.12

State Farm

$2,174.26

Drivers with good credit have some of the lowest auto insurance rates available. At State Farm, the average rate for these drivers is $2,174. At Farmers, the average rate is about $1,500 more, at $3,677.

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

Company

Poor credit

Farmers

$4,864.14

State Farm

$4,951.20

Drivers with poor credit are seen as riskier to insure, so their rates are often higher. In the case of State Farm, the rate is far higher: $4,951. That’s more than double the average rate for State Farm drivers with good credit.

This is one of the few demographics where Farmers is less expensive. Its average rate is $4,864. That’s about $1,200 more than its average rate for drivers with good credit, but it’s also about $90 less than State Farm’s average rate for drivers with poor credit.

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

Company

Clean record

Farmers

$3,460.60

State Farm

$2,821.18

It makes sense that a driver with a clean record will see the lowest car insurance rates. At Farmers, the average rate for a driver with no violations is $3,461. The average at State Farm is lower, at $2,821.

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

Company

With 1 speeding violation

Farmers

$4,079.01

State Farm

$3,186.01

Speeding leads to accidents, and accidents mean claims, so car insurance rates go up for drivers with speeding tickets on their record. At Farmers, the average for a driver with a ticket is $4,079, and at State Farm it’s $3,186. Getting a ticket is less of a penalty for those insured with State Farm. The rate hike is an average of $365, while at Farmers, the average goes up by more than $600 compared to a driver with a clean record.

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

Company

With 1 accident

Farmers

$4,518.73

State Farm

$3,396.01

As we said, accidents mean claims, and that means more expensive car insurance. At State Farm, the average rate for a driver with an accident on their record is $3,396, or about $575 more than a driver with a clean record. At Farmers, the average is $4,519, which is about $1,000 more than State Farm's rate.

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

Company

With 1 DUI

Farmers

$4,718.75

State Farm

$3,636.80

Car insurers often save their steepest rate hikes for those who have a DUI conviction, and that proves true for both State Farm and Farmers. At State Farm, the average auto insurance rate for drivers with a DUI goes up by more than $800, to $3,637. At Farmers, the rate rises by more than $1,200, to $4,719.

Compare Car Insurance Quotes

Get free personalized quotes with one simple form.

Powered By

The Best Car Insurance Companies

This head-to-head comparison looks mainly at cost. For more information, check out our full ranking of the best car insurance companies and learn about what real customers say about Allstate, Nationwide, and their competitors.

Our Car Insurance Ranking:

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

The Cheapest Car Insurance Companies

For more information, check out our full list of the cheapest car insurance companies.

Average Annual Rates:

  1. USAA: $2,537.30
  2. Geico: $3,215.01
  3. State Farm: $3,260.00
  4. American Family: $3,443.09
  5. Nationwide: $3,450.00
  6. Progressive: $4,035.52
  7. Farmers: $4,194.27
  8. Travelers: $4,434.91
  9. Allstate: $4,887.95

Liberty Mutual car insurance rates are not currently available.