State Farm vs Farmers

Kaitlyn Short
Kaitlyn Short | 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
#2 State Farm
7.2 Overall Score
4.4
star star star star star_half
(212)
Farmers logo verified_user
#5 Farmers
6.7 Overall Score
4.4
star star star star star_half
(56)

Overview

State Farm

A.M. Best Financial Strength Rating

N/A

Demotech Financial Stability Rating

N/A

Customer Service Options

Phone, Live Chat, Email, In-Person

Time in Business

Undisclosed

Farmers

N/A

N/A

Phone, Live Chat, Email, In-Person

Undisclosed

Ratings

State Farm

Overall Score
7.2 of 10
Review Score
4.4
star star star star star_half
Value for Money
4.4
star star star star star_half
Quality of Product or Service
4.5
star star star star star_half
Company Trustworthiness
4.5
star star star star star_half
Likely to Recommend
8.5 of 10

Farmers

6.7 of 10
4.4
star star star star star_half
4.3
star star star star star_half
4.3
star star star star star_half
4.3
star star star star star_half
7.6 of 10

Reviews

State Farm

Number of Reviews
212
Review Breakdown
4.4
star star star star star_half
5 star
67%
4 star
16%
3 star
6%
2 star
5%
1 star
5%

Farmers

56
4.4
star star star star star_half
5 star
68%
4 star
18%
3 star
7%
2 star
2%
1 star
5%

Reviews for State Farm

Helpful Favorable Review

star star star star star

Ronald Schaffer

September 28th, 2022

DETAILS

check_circle

Review Source

Been dealing with most insurances offered by this company for a long time now. My father started the Home Owners Insurance . I am helping my mother take care and pay it off now that he passed away a few years back. Easy to use inexpensive isurance to keeping our home safe when It needs it.

Helpful Critical Review

star star star_border star_border star_border

Joe O

September 20th, 2022

DETAILS

check_circle

Review Source

Had State Farm insurance from the age of 16 till into my mid-thirties for all insurance options. Attempted to make a claim 1x in those 15-20 years and they dropped me the very next day, with no refund nothing, and wouldn’t tell me why. Horrible customer service.

Reviews for Farmers

Helpful Favorable Review

star star star star star

Matthew Laney

September 15th, 2022

DETAILS

check_circle

Review Source

I currently have my home insured with Farmers. I have had excellent customer service with them. They are always very easy to contact and are solution oriented. Their premium is very reasonable. I plan on continuing to do business with Farmers Home Insurance.

Helpful Critical Review

star star_border star_border star_border star_border

Bob Abaya

July 28th, 2022

DETAILS

check_circle

Review Source

I tried this insurance company because a family friend was an agent. I left because while I never made a claim, I made several inquiries about coverage and they canceled me for making too many inquiries!!!

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

Other Featured Comparisons