State Farm vs Farmers

Alice Stevens
Alice Stevens | Senior Editor

Farmers and State Farm have both received high financial strength ratings and are reliable insurers. Both companies offer similar coverage levels and types of coverage. However, Farmers's policies stand out with additional features. Farmers's policyholders can also benefit from discounts on certain ADT packages.

State Farm logo verified_user
#1 State Farm
9.8 Overall Score
4.7
star star star star star_half
(47)
Farmers logo verified_user
#3 Farmers
8.3 Overall Score
4.4
star star star star star_half
(25)

Overview

State Farm

Price

Undisclosed

Time in Business

99 Years

Farmers

Undisclosed

93 Years

Ratings

State Farm

Overall Score
9.8 of 10
Review Score
4.7
star star star star star_half
Value for Money
4.5
star star star star star_half
Quality of Product or Service
4.8
star star star star star_half
Company Trustworthiness
4.8
star star star star star_half
Likely to Recommend
8.8 of 10

Farmers

8.3 of 10
4.4
star star star star star_half
4.1
star star star star star_half
4.2
star star star star star_half
4.3
star star star star star_half
7.8 of 10

Reviews

State Farm

Number of Reviews
47
Review Breakdown
4.7
star star star star star_half
5 star
77%
4 star
19%
3 star
2%
2 star
0%
1 star
2%

Farmers

25
4.4
star star star star star_half
5 star
68%
4 star
20%
3 star
4%
2 star
0%
1 star
8%

Reviews for State Farm

Helpful Favorable Review

star star star star star

Aaron Las Vegas, NV

Friendly staff. Never had an issue with any claims or bills & they gave me solid free advice on insurance situations that were more in sync with what was best for me than what would make them the most money.

2 months ago

Helpful Critical Review

star star_border star_border star_border star_border

Cassidy Gundersen Orem, UT

DO NOT GET STATE FARM! We had State Farm for 6 months before switching over. Each month our bill was a different total and the cost would often fluctuate for no known reason. After talking with friends and family this was the case for all of them as well. The customer service was not good either. Sometimes we would get a helpful agent, but most of the time they gave little help and vague answers. Never could they explain why the bill fluctuated so much. After shopping around, we found that their prices were much higher than nearly every other competitor. They sent a lot of paperwork and it was an unnecessarily complicated process to both get signed up and to cancel service.

3 years ago

Reviews for Farmers

Helpful Favorable Review

star star star star star

Wendy Hunter Riverton, UT

We've been with Farmers Insurance for the past twenty plus years. They have always treated us fairly. We love our agent. He is very responsive. We feel like Farmers is the best for home owners insurance as well as auto insurance.

2 months ago

Helpful Critical Review

star star_border star_border star_border star_border

Leonard Thompson Show Low, AZ

This company is so awful I wouldn’t even give them one star. By far this is the worst insurance company I have ever dealt with. They are lazy, don’t listen to changes, and make things more difficult then things need to be. We saved over $300 by switching to another insurance company.

1 month ago

The Final Word

Whatever kind of home insurance you need, you're likely to find it at State Farm or Farmers. Whether you're covering a house, condo, or manufactured home, you'll find good options through either company.

From its website, State Farm makes the coverage it offers clear by offering examples of instances and things its policies cover and ones it does not. This early level of clarity prevents surprises and helps establish trust from the beginning.

Farmers home policies are categorized into three tiers, each offering a different level of coverage. This way of organizing policy options, makes it easier to balance coverage and cost.

Farmers also distinguishes itself from State Farm through its policy features that help policyholders save money. These features include Declining Deductibles®, a claims-free discount, claim forgiveness, and cosmetic damage coverage if related to covered structural damage. You can also add Farmers Identity Shield (SM) for identity theft and credit monitoring services. Farmers also offers a discount for buying multiple policies from the company.

Although State Farm's policies don't have the same features Farmers's policies do, it does offer discounts. These include a multi-line discount, home alert protection, and a roofing discount.

Farmers stands out further for its partnership with ADT. Farmers policyholders can benefit from discounts on certain ADT packages that will help protect their home.

Farmers is a good choice if you're looking for handy policy features and are considering a home security system. However, if you're interested in something more traditional, State Farm is a competitive choice.

Top Choice

State Farm Logo
State Farm

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