Farmers vs State Farm
Last updated July 2026
Farmers
We know a thing or two because we've seen a thing or two
Advantages
- Signal by Farmers telematics offers discounts up to 15% for safe driving
- Rideshare coverage available in most states without a separate policy
- Strong farm, ranch, and specialty vehicle coverage where competitors are thin
- Accident forgiveness and diminishing deductible available
- Deep bundling with home, renters, life, and umbrella
Drawbacks
- Base rates tend to be higher than State Farm for most driver profiles
- J.D. Power satisfaction scores trail State Farm in most regions
- Not available in every state, notably not in Alaska, Hawaii, or most of the Northeast
State Farm
Like a good neighbor, State Farm is there
Advantages
- Largest auto insurer in the U.S. and largest agent network
- Drive Safe & Save can meaningfully cut premiums for low-mileage or safe drivers
- Consistently strong claims satisfaction scores across regions
- Multi-line bundling across auto, home, life, and banking
- Available in all 50 states
Drawbacks
- Base rates trail direct-to-consumer carriers for young or high-risk drivers
- Digital quoting is less streamlined than Progressive or Root
- Discount optimization typically requires an agent walkthrough
Farmers and State Farm are two of the largest agent-model auto insurers in the country. Both lean on local agents rather than pure digital quoting, and both push hard on bundling. State Farm has more agents, deeper claims history, and generally lower base rates. Farmers counters with Signal telematics, unique loyalty perks, and a strong farm and ranch line for rural drivers.
Feature Comparison
| Feature | Farmers | State Farm |
|---|---|---|
| Typical Monthly Cost | Avg $155-$210/mo before bundling | Avg $135-$200/mo before bundling |
| Quote Process | Local agent, online, or phone | Local agent, online, or phone |
| Available Discounts | Signal, multi-policy, homeowner, good student, safe driver | Drive Safe & Save, Steer Clear, multi-policy, good student, defensive driving |
| Claims Experience | 24/7 phone, app, or agent-assisted | 24/7 phone, app with photo estimate, or local agent |
| Customer Support | Local agents, phone, app, online | Local agents, phone, app, online |
| Coverage Options | Liability, collision, comprehensive, custom equipment, rideshare | Liability, collision, comprehensive, rideshare, rental, roadside |
| Mobile App Quality | Good, ID cards, claims, Signal, payments | Excellent, ID cards, claims, Drive Safe & Save, payments |
| Bundling Options | Auto, home, renters, life, umbrella, farm, small business | Auto, home, renters, life, health supplement, banking |
State Farm Wins
State Farm wins on price, claims consistency, and agent density. Farmers is the better pick for rural drivers or households with farm, ranch, or specialty vehicle needs.
For a typical suburban driver, State Farm's lower base rates and stronger claims scores make it the default choice. Farmers earns its win when its farm and ranch line, specialty vehicle coverage, or Signal telematics stack meaningfully in your favor. Get quotes from both if you have specialty coverage needs or already bundle with either carrier.
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