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
9.9 Overall Score
4.6
starstarstarstarstar_half
(48)
Farmers logo verified_user
#3 Farmers
8.3 Overall Score
4.7
starstarstarstarstar_half
(19)

Overview

State Farm

Farmers

Price
Price
Undisclosed
Undisclosed
Time In Business
Time In Business
98 Years
92 Years

Ratings

State Farm

Farmers

Overall Score
Overall Score
9.9 of 10
8.3 of 10
Review Score
Review Score
4.6
starstarstarstarstar_half
4.7
starstarstarstarstar_half
Value for Money
Value for Money
4.4
starstarstarstarstar_half
4.4
starstarstarstarstar_half
Quality of Product or Service
Quality of Product or Service
4.6
starstarstarstarstar_half
4.5
starstarstarstarstar_half
Customer Service
Customer Service
4.7
starstarstarstarstar_half
4.7
starstarstarstarstar_half
Company Trustworthiness
Company Trustworthiness
4.6
starstarstarstarstar_half
4.6
starstarstarstarstar_half
Likely to Recommend
Likely to Recommend
8.6 of 10
8.5 of 10

Reviews

State Farm

Farmers

Number of Reviews
Number of Reviews
48
19
Review Breakdown
Review Breakdown
4.6
starstarstarstarstar_half
5 star
71%
4 star
21%
3 star
2%
2 star
4%
1 star
2%
4.7
starstarstarstarstar_half
5 star
74%
4 star
21%
3 star
5%
2 star
0%
1 star
0%

Reviews for State Farm

Helpful Favorable Review

starstarstarstarstar

Michael C.

January 17th, 2021 Fayetteville, AR DETAILS arrow_drop_down
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

State Farm has provided excellent insurance with great customer service. They are always quick to answer my questions and offer unparalleled hospitality. I have been using Sate Farm for many years and plan to keep their great services.


Helpful Critical Review

starstarstar_borderstar_borderstar_border

Brady Hanson

January 17th, 2021 Orem, UT DETAILS arrow_drop_down
Value for your money
starstarstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstarstar_borderstar_borderstar_border

My family was highly dissatisfied with State Farm's renter's insurance. We thought the coverage was lower than other companies and at a higher premium.


Reviews for Farmers

Helpful Favorable Review

starstarstarstar_borderstar_border

Brent Crosbie

January 17th, 2021 Smithfield, UT DETAILS arrow_drop_down
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstarstar_borderstar_border
Company trustworthiness
starstarstarstar_borderstar_border

Farmer's has been a good company to deal with and have taken decent care of my needs. However, I have had my struggles with their agents. The ones I have dealt with are not as proactive as I like in managing my insurance needs.


Helpful Critical Review

None Available

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
Visit Site