Farmers vs. State Auto Insurance

Which insurance company is right for you? Compare pros & cons, discounts, and quotes from Farmers and State Auto.

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Farmers vs. State Auto: What You Need to Know

Farmers Insurance began selling insurance a year before the Great Depression and survived to become a household name. Founders John C. Tyler and Thomas E. Leavey started off by going farm to farm to gain their first policies. They specifically lowered rates for farmers and ranchers because they understood that these occupations posed fewer risks with their vehicles. By 1928, they were able to open an office in downtown Los Angeles. During the Great Depression, Farmers was one of the few companies that were able to pay claims. When a devastating earthquake hit Los Angeles, Farmers paid out claims for damaged cars and became the first insurance company to offer comprehensive insurance.

In 1921, Robert S. Pein started State Automobile Insurance Company with a borrowed sum of $30,000. Pein wanted to offer an alternative to the high rates other insurers were charging. He also wanted to a better claims settlement process. The company had humble beginnings with a staff of three in a small rented room in downtown Columbus. Pein insisted and his insurance products only are sold through independent agents, a decision that became company policy that is still in effect.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Farmers Overview and State Auto Overview.

Farmers vs. State Auto: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Farmers and State Auto. On average, Farmers charges approximately $292.17 per month while State Auto comes in at around $223.09 per month. For Farmers, the cheapest state average is North Dakota at $117.44 per month and the most expensive is Michigan at $839.45 per month. For State Auto, the cheapest state average is North Dakota at $135.97 per month and the most expensive is Maryland at $271.05 per month.

Farmers

Average Rate

$292.17
State Auto

Average Rate

$223.09
National

Average Rate

$120.30
State Farmers State Auto
Alabama $203.08 $173.00
Arizona $267.48 -
Arkansas $180.52 -
California $257.97 -
Colorado $297.91 -
Idaho $122.93 -
Illinois $207.54 $210.90
Indiana $133.19 $237.68
Iowa $142.50 -
Kansas $182.29 -
Kentucky- $196.28
Maryland- $271.05
Michigan $839.45 -
Minnesota $169.34 -
Missouri $209.70 -
Montana $198.62 -
Nebraska $189.17 -
Nevada $308.31 -
New Mexico $192.43 -
North Dakota $117.44 $135.97
Ohio $150.62 $157.08
Oklahoma $172.61 -
Oregon $173.47 -
Pennsylvania- $222.87
South Carolina- $176.74
South Dakota $137.05 -
Tennessee $164.53 $177.33
Texas- $267.22
Utah $202.25 $192.28
Washington $154.57 -
Wisconsin $181.37 $171.94
Wyoming $192.61 -

Farmers vs. State Auto: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Farmers and State Auto typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Farmers State Auto
1 Vehicle $273.63 $213.02
2 Vehicles $353.52 $259.66
3 Vehicles $593.72 $375.37
4 Vehicles $856.93 $

Farmers vs. State Auto: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Farmers charges $292.46 per month and State Auto charges $201.66 per month for customers who own their home.

Own/Rent Farmers State Auto
Own $292.46 $201.66
Rent $292.05 $232.97

What is Farmers and State Auto Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Farmers and State Auto ranked among the industry ratings.

ComparisonFarmersState Auto
Year Founded19281921
Market Share3%
A.M. Best RatingA-A+
BBB RatingA+A+
Financial StrengthExcellentExcellent
JD Power RankingAbout Average
Moody’s RatingA2
NAIC Complaint Index0.8
S&P RatingA

Farmers or State Auto: Insurance Products Offered

What coverage is available through Farmers and State Auto? Both insurance companies offer Auto, Commercial, Home, and Umbrella insurance. Additional products from Farmers insurance also include Life, Motorcycle, and RV insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Farmers and State Auto Insurance page.

InsuranceFarmersState Auto
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
RV Insurance
Umbrella Insurance

Farmers or State Auto: Ways To Save

State Auto offers a wide range of discounts to its policyholders, including Anti-theft Device, Driver Training, and Good Student discounts. Whereas, Farmers also offers a few discounts that State Auto doesn’t, including Transfer, Teen Driver, and Pay-in-Full discounts. Start taking advantage of discounts offered by insurance providers like State Auto and Farmers insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

FarmersState Auto
Alternative Fuel DiscountAccident Prevention Course
Distant StudentAnti-theft Device Discount
Electronic Funds Transfer (EFT) DiscountDriver Training
Good StudentGood Student Discount
Homeowner DiscountMulti-car Discount
Multi-Car DiscountMulti-policy Discount
Multi-policy DiscountPaid in Full Discount
Occupational DiscountState Auto Safety 360
Pay-in-Full DiscountState Auto Start-Up
Teen Driver Discount
Transfer Discount

Pros & Cons of Farmers & State Auto

Pros

Farmers
  • Financial strength
  • Great employee education and customer service.
State Auto
  • State Auto offers tiers of protection, which simplifies decision-making about coverages based on budget.

Cons

Farmers
  • Steep early-cancellation fees.
State Auto
  • The mobile app is not for most drivers, only those who take part in the Safe Auto telematics program.
  • Car insurance is only available in Alabama, Arizona, Arkansas, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, SouthDakota, Tennessee, Texas, Utah, Virginia, West Virginia and Wisconsin.

Farmers or State Auto Mobile Apps Options

The Farmers app is available for iOS and Android. The Farmers Mobile App allows you access to self-service features.

The State Auto telematics app is available for iOS and Android. The StateAuto Safety 360 telematics program was designed to keep you safer on the road. You may even earn up to 50% on auto insurance premiums. You may even save 10% for signing up.

Farmers Mobile App
iOS     4.83K user reviews
Android     43K user reviews
State Auto Mobile App
iOS     1.817 user reviews
Android     2.325 user reviews

Farmers & State Auto Contact Info

Farmers Contact Info
Address6301 Owensmouth Avenue, Woodland Hills, CA 91367
Phone1 (800) 974-6755
Websitehttps://www.Farmers.com
Facebookhttps://www.facebook.com/FarmersInsurance/
Twitterhttps://twitter.com/WeAreFarmers
Youtubehttps://www.youtube.com/farmersinsurance
Linkedinhttps://www.linkedin.com/company/farmers-insurance/
State Auto Contact Info
Address518 East Broad Street, Columbus, OH 43215
Phone1 (833) 724-3577
Websitehttps://www.stateauto.com/
Facebookhttps://www.facebook.com/stateauto/
Twitterhttps://twitter.com/StateAuto
Linkedinhttps://www.linkedin.com/company/state-auto-insurance

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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