Farmers vs State Farm: which is better for car insurance in 2026?
Across our six scoring categories, Farmers comes out ahead in 0, State Farm in 5, with 1 too close to call. State Farm edges the weighted overall score by 1.2 of a point, on the strength of price, claims satisfaction, financial strength, discounts, digital experience. That is not a reason to skip Farmers: it scores higher on none of our categories, though it may still quote you less, and a quote that comes in lower beats a review that scores higher. State Farm is the safer default; Farmers is worth a quote if you are among drivers who want an agent and have specific coverage needs farmers can meet.
Farmers vs State Farm, side by side
Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.
Category by category
Price
State Farm aheadState Farm averages $2,065/yr for full coverage against Farmers's $4,048/yr — about $1983 a year, or 165.3 dollars a month, in State Farm's favor for this profile.
$4,048 a year for full coverage, 72% above the national average and the most expensive carrier in this review by a wide margin.
At $2,065 a year for full coverage, State Farm sits about 12% under the national average — competitive, but not the cheapest of the national carriers.
Claims satisfaction
State Farm aheadState Farm takes claims satisfaction on 716/1,000 against Farmers's 690/1,000.
690 out of 1,000, ten points below the segment average.
716 out of 1,000 in the J.D. Power 2025 claims study puts State Farm comfortably above the 700-point segment average, and ahead of every other insurer in the top four by market share.
Complaint record
Too close to callNeither pulls ahead on complaint record: Farmers posts About the expected number and State Farm About the expected number, a difference too small to choose on.
Close to the number of complaints expected for its size.
State Farm draws about the number of complaints its size predicts. For the largest personal auto insurer in the country, average is a more meaningful result than it sounds.
Financial strength
State Farm aheadState Farm takes financial strength on A++ against Farmers's A.
AM Best A (Excellent).
AM Best's top rating, A++. State Farm is a mutual company owned by its policyholders, with no shareholders to pay.
Discounts
State Farm aheadState Farm takes discounts on 11 published against Farmers's 10 published*.
Roughly ten discounts, though Farmers blocks automated access to its own discounts page, so we could not verify the list or its telematics program name directly.
Eleven published discounts, including a 25% good-student discount and up to 40% off medical coverage for passive restraints. Drive Safe & Save pairs the app with a mailed Bluetooth beacon.
Digital experience
State Farm aheadState Farm takes digital experience on 4.79 iOS / 4.6 Android against Farmers's 4.84 iOS / 4.7 Android.
4.84 on the App Store and 4.7 on Google Play — the best-rated app pairing in this review, across a relatively small rating base.
4.79 on the App Store and 4.6 on Google Play across 1.7 million combined ratings — consistently strong on both platforms, which is rarer than it should be.
So which one?
Pick Farmers if…
- You are among drivers who want an agent and have specific coverage needs farmers can meet.
- Availability fits: 40 states, through agents — the Farmers brand left Florida in 2023 and does not write in Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, South Carolina, Vermont or West Virginia.
Pick State Farm if…
- You are among drivers who want a local agent rather than an app.
- Price is your first filter — State Farm averages $2,065/yr for full coverage on our benchmark profile.
- You care most about how a claim actually goes: State Farm scores 716/1,000.
- Financial strength is a priority; State Farm holds A++ from AM Best.
Farmers vs State Farm, answered
The questions people ask before switching between these two.
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