Compare Farmers vs. State Farm Insurance

Farmers and State Farm are both huge names in the auto insurance industry with incredibly powerful advertising and marketing strategies. Both companies offer a wide range of auto discounts and offer excellent roadside services.

State Farm, however, ranks higher for financial strength and J.D. Power ratings. It also has seven mobile apps that all work toward making managing your auto insurance policies as easy as possible. Farmers also has an information hub for customers that provides tips and resources on insurance.

So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Farmers State Farm
Best If Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
State Farm
  • You want competitive discounts, strong mobile and online features, and high customer satisfaction
Worst If Farmers
  • You want slick online tools to manage your policy
State Farm
  • You want mechanical breakdown coverage

Compare Insurance Prices

Comparing quotes is the best way to get the lowest rates from top insurers like Farmers and State Farm. QuoteWizard is an independent company that helps you find the right policy at the best rate.

Find The Best Rates For Your Policy

Compare Quotes

Special Car Insurance Discounts

Farmers State Farm

Farmers Inner Circle is an exclusive hub for Farmers customers. It has tips and resources for saving money on insurance and how to keep your rates low.

State Farm

Commercial Auto Insurance

If you’re a business owner and have vehicles (i.e. pickup trucks or box trucks), consider purchasing commercial auto insurance. It will cover you if an employee driving one of your business vehicles gets into an accident.

There are multiple coverage options for commercial auto insurance:

  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage
  • Personal Injury/Medical Payments Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorists Coverage

There’s also Employers Non-Owned Liability Coverage (ENOL). This policy covers you if any of your employees use their own cars for business purposes. If they get into an accident, you won’t suffer any financial losses.

Classic Car Insurance

State Farm provides coverage for customers who own classic or antique cars. Its website also provides a brief guide that determines whether your car is eligible for Classic Car Insurance.

The coverages for this type of policy are:

  • Liability
  • Medical Payments/No Fault
  • Comprehensive
  • Collision
  • Uninsured/Underinsured Motor Vehicles
  • Emergency Road Service
  • Death, Dismemberment, and Loss of Sight
  • Loss of Earnings

Standard Car Insurance Discounts

Bundling Coverage Discounts Farmers State Farm
Home and Car
Car and Life
Vehicle Type and Safety Features Farmers State Farm
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Farmers State Farm
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Farmers State Farm
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Special Circumstances Farmers State Farm
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Farmers State Farm
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Farmers Car Insurance State Farm Car Insurance
2016 167 105
2015 262 155
2014 237 178
2013 300 135

U.S. Auto Insurance Shopping Study (2016)

Farmers Car Insurance State Farm Car Insurance
Overall Purchase Experience Average Above average
Policy Offerings Average Above average
Pricing Average Average
Local Agent Average Among the best
Call Center Representative -- --
Insurer Website Below average Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

Farmers Car Insurance State Farm Car Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Average
Service Interaction Above average Above average
Appraisal Average Average
Repair Process Average Above average
Rental Car Experience Average Average
Settlement Average Average

Financial Strength Ratings

Farmers Car Insurance State Farm Car Insurance
A.M. Best A A++
Moody's Aa3 Aa1
S&P's A+ AA

Mobile Apps

Farmers State Farm

The Farmers Insurance Mobile App helps customers manage their insurance on the go. You can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place. The app also lets you:

  • View the details of your coverage policy
  • Get updates from a message center
  • Have instant access with a “Keep Me Logged In” feature

Download it here.

State Farm

State Farm has seven mobile apps for your smartphone or web browser that can manage your insurance policies.

Pocket Agent

This app lets you:

  • View your insurance card
  • File or view a claim
  • Access Roadside Assistance
  • Connect with your local agent

You can also use it to pay any pending insurance premiums and deposit checks to your State Farm bank accounts. To make the app more secure, State Farm has added a fingerprint Touch ID feature you can use to login.


This app is powered by, a car shopping website. The app recognizes any vehicle you take a picture of from the back. It can tell you anything you want to know about it. You can learn its market value and even locate a nearby dealership. You could even do this while getting a State Farm auto insurance quote.

Steer Clear

This app encourages good, smart driving behaviors. It lets you earn discounts for driving well while teaching you safe driving behaviors. Some new features include driving tips for dangerous weather conditions and videos about others’ driving experiences.

Driver Feedback

This an app for drivers of all ages looking to improve their driving habits. The app focuses on the driving actions of accelerating, braking, and cornering, since they are the most risky behaviors. The app uses your phone’s accelerometer to measure and score these areas. And then it provides you with tips based on your results.

Driver Feedback Instructor Edition

This app was created with drivers-ed and parent instructors in mind. It helps instructors track the progress of their student drivers in a smart and easy way and give real-time feedback.

Drive Safe & Save Mobile

This app is a free app you can use to help save money on auto insurance. The gist is that the less you drive and safer you drive, the more you have a chance of saving. The app also includes a wifi option so you can save data on your phone plan.


This app makes the moving process that much easier. You can use MoveTools to virtually pack your belongings. The app has a feature that let you label your boxes and write down each one’s contents. That can help you keep track of them during the move.

To learn more and download any of these State Farm mobile apps, click here


Roadside Assistance

Farmers State Farm

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services shops. If you use a service that's out of Farmers network, you'll have to file a claim for up to $150.

Farmers’ Roadside Emergency Safety Contact Number

Call 1 (800) 435 -7764 or click here. This service help you with an emergency tow, jump start, flat tire, lockout assistance, winching, and ambulance services. 

State Farm

State Farm Emergency Road Service

This service can help if you need:

  • Mechanical labor
  • Towing
  • Delivery of gas
  • Tire change
  • Battery jump-start
  • Locksmith services

Or if your car is stuck somewhere.

Roadside Assistance Services Covered

  • Mechanical labor at the site of your car’s breakdown (up to 1 hour) minor labor at the site
  • Towing to the nearest repair service center. Must be near a public road, not in the middle of the campsite
  • Delivery of gas, oil, battery, or replacement tire (but will not pay for these items)
  • Locksmith labor to unlock the car covered up to 1 hour

Services Not Covered

  • Towing cost beyond the nearest repair service center
  • Labor costs beyond the first hour

Contact Phone Number

State Farm’s Emergency Road Service is available by calling 1 (877) 627-5757. Its website is here.