State Farm vs Farmers
Compare State Farm and Farmers car insurance in one practical guide. Explore coverage options, discounts, safe-driving programs, accident forgiveness, roadside assistance, rental protection and other features that can affect your auto insurance policy.
State Farm vs Farmers: What Is Different?
State Farm and Farmers both provide a wide range of auto insurance coverage and discounts. Their most noticeable differences include their safe-driving programs, accident-forgiveness options, deductible features and some of the additional protections available to drivers.
Important: Auto insurance premiums, discounts, coverage availability and eligibility depend on factors such as your state, vehicle, driving history, selected limits, deductibles and policy type. This page compares documented features rather than presenting one universal price for every driver.
| Feature | State Farm | Farmers |
|---|---|---|
| Auto insurance | Broad auto insurance offering with liability, collision, comprehensive, uninsured/underinsured motorist and medical payments coverage. | Broad auto insurance offering with liability, collision, comprehensive, uninsured/underinsured motorist, medical payments and PIP options where applicable. |
| Safe-driving program | Drive Safe & Save uses driving information and mileage considerations to determine an eligible premium adjustment. | Signal uses a smartphone app to evaluate driving behavior and can provide an initial discount and potential renewal savings. |
| Published telematics savings | Safe drivers can save up to 30%, with state-specific terms and eligibility. | Signal provides an initial enrollment discount and potential additional savings at renewal; actual savings depend on driving behavior and policy terms. |
| Accident forgiveness | Current published State Farm materials reviewed emphasize good-driver and accident-free savings rather than a comparable nationwide accident-forgiveness feature. | Farmers offers Accident Forgiveness in qualifying policies and states, generally forgiving one at-fault accident every three years. |
| Roadside assistance | Emergency Road Service can provide qualifying towing and roadside services. | Towing and Roadside Service can provide 24/7 assistance including towing, tire changes, locksmith service and jump-starts. |
| Rental protection | Car Rental and Travel Expenses coverage can help with rental and certain transportation expenses after a covered loss. | Rental Car Reimbursement can cover a qualifying rental vehicle while the insured vehicle is being repaired. |
| Young-driver options | Steer Clear is designed for qualifying young and newer drivers. | Farmers offers Youthful Driver, Good Student and other state-specific discount opportunities. |
| Deductible features | Deductible options depend on the selected policy and state. | Farmers offers Declining Deductible on qualifying policies, with additional deductible features available under certain plans. |
| New-car protection | Availability depends on policy and state. | New Car Replacement or Vehicle Replacement Plus may be available depending on state, vehicle and policy. |
State Farm vs Farmers Coverage Options
Coverage should be compared using the same liability limits, deductibles and optional protections. A lower premium can reflect different coverage limits or fewer optional features.
Core Auto Coverage
State Farm offers a broad selection of auto insurance coverages that can be configured according to the driver’s needs and state requirements.
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured and underinsured motorist coverage
- Medical payments coverage
- Car Rental and Travel Expenses coverage
- Emergency Road Service
- Rideshare coverage where available
Core Auto Coverage
Farmers offers standard auto protection together with a broad selection of optional coverages and policy features.
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured and underinsured motorist coverage
- Medical payments coverage
- Personal Injury Protection where applicable
- Rental Car Reimbursement
- Towing and Roadside Service
- Rideshare and food delivery coverage where available
- New Car Replacement
- OEM / New Original Parts coverage
- Gap or Residual Debt coverage
Liability
Helps protect against covered bodily injury and property damage claims for which you may be legally responsible.
Collision
Helps pay for qualifying damage to your vehicle resulting from a covered collision, subject to the policy deductible.
Comprehensive
Helps cover qualifying non-collision losses such as theft, vandalism, weather damage and other covered events.
UM / UIM
Can provide protection in qualifying situations involving uninsured or underinsured drivers.
Rental Coverage
Both companies provide options that can help with transportation while a covered vehicle is being repaired.
Roadside Assistance
Both insurers offer roadside assistance options, with specific services and limits determined by the policy.
State Farm vs Farmers Discounts
Both companies offer multiple discount categories. Eligibility varies by state, policy and driver, so the most useful comparison is to identify which discounts you personally qualify for.
| Discount or Saving Area | State Farm | Farmers |
|---|---|---|
| Safe driving | Drive Safe & Save can provide savings based on driving information and eligible mileage factors. | Signal provides an initial discount and potential additional renewal savings based on driving behavior. |
| Good driving history | Good-driver and accident-free savings may be available. | Safe Driver and Five-Year Accident Free discounts may be available for qualifying drivers. |
| Young drivers | Steer Clear may provide savings for qualifying drivers under 25 who complete program requirements. | Youthful Driver and Good Student discounts may be available depending on eligibility. |
| Bundling | Multi-policy discounts may apply when qualifying insurance products are combined. | Farmers offers bundle discounts and states that qualifying customers may save 10% or more by bundling home and auto policies. |
| Good student | Good Student Discount may be available to qualifying students. | Good Student discounts may be available for qualifying full-time students. |
| Defensive driving | Qualifying driver safety courses may result in savings depending on the state. | Mature, defensive and senior driver savings may be available to qualifying drivers. |
| Payment discounts | Payment-related discounts may be available depending on the policy and state. | Farmers lists Auto Pay/EFT, Pay in Full and Good Payer opportunities. |
| Paperless | Electronic policy and billing options may be available. | Farmers lists ePolicy as a discount opportunity. |
| Vehicle safety | Qualifying vehicle safety features may qualify for savings. | Anti-theft equipment may qualify for a vehicle equipment discount. |
| Homeowner | Bundling can be relevant for homeowners with qualifying policies. | Farmers lists a Homeowner discount for qualifying policyholders. |
Drive Safe & Save vs Farmers Signal
Both programs use mobile technology to analyze driving behavior. The structure of each program is different, and both insurers state that program rules and availability can vary.
State Farm Drive Safe & Save
Usage-based safe-driving program
Farmers Signal
Smartphone safe-driving program
Farmers Signal includes more than a discount program
Farmers says Signal monitors driving behavior such as braking habits and phone use while driving. The app may also include CrashAssist, an optional feature that can help detect a crash and send a notification for verification. Farmers also states that riskier driving behavior could result in a higher renewal premium under applicable program terms.
What should you check before enrolling?
Review how each program collects driving information, what behaviors are measured, how renewal pricing can be affected, and whether the program is available for your policy and state.
Accident Forgiveness: State Farm vs Farmers
Accident forgiveness can matter to drivers who want protection against a premium increase after a qualifying at-fault accident. Availability and eligibility should always be confirmed for the specific policy.
Good Driver & Accident-Free Savings
State Farm’s current published discount materials reviewed emphasize good-driver and accident-free savings. Exact availability and requirements depend on the driver’s state and policy.
- Good-driver savings may be available
- Accident-free driving can support savings
- Drive Safe & Save provides another driving-related savings opportunity
- Discount rules vary by state
Accident Forgiveness
Farmers explicitly offers Accident Forgiveness on qualifying policies. Farmers states that it can forgive one at-fault accident every three years when the coverage is included.
- One at-fault accident can be forgiven every three years
- Designed to prevent a premium increase because of the forgiven accident
- Optional coverage may cost extra depending on the policy
- Availability varies by state and policy
Farmers also offers accident-related deductible features
Farmers Flex can include a Declining Deductible feature. Under the published program terms, qualifying customers can earn an amount toward their collision deductible at renewal without a claim. Eligibility, policy type and state availability apply.
Important State Farm and Farmers Features
Optional features can become especially important after an accident, during repairs or when you need additional protection for a newer or financed vehicle.
Drive Safe & Save
State Farm’s program can provide an initial premium adjustment after enrollment and future adjustments based on eligible driving information.
Farmers Signal
Signal provides an initial discount and can provide additional renewal savings based on driving behavior.
Accident Forgiveness
Farmers offers Accident Forgiveness on qualifying policies, subject to state and policy eligibility.
Declining Deductible
Farmers offers deductible-reduction features on qualifying plans and policies.
New Car Replacement
Farmers offers New Car Replacement or related vehicle replacement features in qualifying states and policies.
Gap / Residual Debt
Farmers offers Residual Debt or Gap coverage that can help address the difference between a vehicle’s value and a qualifying loan or lease balance.
Rental and Roadside Assistance
Roadside and rental features can have practical value when your vehicle is disabled or undergoing repairs after a covered loss.
| Feature | State Farm | Farmers |
|---|---|---|
| Roadside assistance | Emergency Road Service can include qualifying towing, roadside labor, fuel delivery, tire service and locksmith assistance, subject to policy terms. | Towing and Roadside Service provides 24/7 assistance for qualifying situations, including towing, tire changes, locksmith service and jump-starts. |
| Rental reimbursement | Car Rental and Travel Expenses coverage can help pay for rental transportation after qualifying covered losses. | Rental Car Reimbursement can cover a qualifying rental vehicle for up to 30 days while the insured vehicle is being repaired. |
| Alternative transportation | Certain travel and transportation expenses may be covered under the applicable policy limits. | Rental Alternative/Loss of Use coverage can provide a daily stipend for qualifying transportation expenses. |
| New vehicle protection | Availability depends on policy and state. | New Car Replacement or Vehicle Replacement Plus may be available under qualifying policy terms. |
| OEM parts | Coverage depends on the applicable policy and repair terms. | OEM/New Original Parts coverage is available for qualifying repairs and vehicles under applicable terms. |
| Gap / residual debt | Availability should be confirmed for the specific State Farm policy and state. | Residual Debt / Gap coverage can help cover a qualifying difference between a vehicle’s actual cash value and remaining loan or lease balance. |
How to Compare State Farm and Farmers Quotes
A meaningful comparison requires more than looking at the final premium. Request equivalent coverage from both insurers before comparing the price.
Match Liability Limits
Request the same bodily injury and property damage liability limits from both insurers.
Match Deductibles
Use the same comprehensive and collision deductibles when comparing premiums.
Check Every Discount
Ask each insurer which discounts apply to your driver, household, vehicle and payment method.
Review Telematics
Understand how Drive Safe & Save or Signal can affect your premium and renewal.
Compare Optional Coverage
Check rental, roadside, accident forgiveness, gap, new-car replacement and other options.
Verify State Rules
Coverage, discounts and program availability can differ substantially from one state to another.
Quote comparison tip: Farmers itself recommends comparing quotes using the same types of coverage, limits and deductibles. A lower quote can reflect higher deductibles, lower limits or less coverage rather than simply a lower price for equivalent protection.
Which Features Should You Examine?
Your priorities may determine which parts of the comparison deserve the most attention. Use this checklist when reviewing actual quotes and policy options.
| Driver Situation | State Farm Feature to Review | Farmers Feature to Review |
|---|---|---|
| You want a safe-driving program | Drive Safe & Save | Signal |
| You are a younger driver | Steer Clear eligibility and requirements | Youthful Driver and Good Student discounts |
| You have a long clean driving history | Good-driver and accident-free savings | Safe Driver and Five-Year Accident Free discounts |
| You want accident forgiveness | Review applicable accident-free and driver savings | Accident Forgiveness availability |
| You want deductible benefits | Review available deductible options | Declining Deductible and related features |
| You own a newer vehicle | Review available vehicle protection options | New Car Replacement and OEM coverage |
| You have a financed or leased vehicle | Review available policy options | Gap / Residual Debt coverage |
| You use rideshare services | Review rideshare coverage availability | Rideshare and food-delivery coverage where available |
State Farm vs Farmers FAQ
Common questions about comparing State Farm and Farmers auto insurance.
Are State Farm and Farmers the same insurance company?
No. State Farm and Farmers are separate insurance companies. Both offer auto insurance, but their coverage options, discounts, telematics programs and policy features differ.
Does State Farm have a safe-driving program?
Yes. State Farm’s Drive Safe & Save program can provide an initial premium adjustment after enrollment and potential savings based on eligible driving information. State Farm states that safe drivers can save up to 30%, subject to program terms and state availability.
Does Farmers have a safe-driving program?
Yes. Farmers Signal is a smartphone-based program that evaluates driving behavior. Farmers states that participants can receive an initial discount and may qualify for additional renewal savings based on driving behavior.
Can Farmers Signal increase my premium?
Farmers states that riskier driving behavior under Signal could result in a higher renewal premium, depending on the applicable program and policy terms.
Does Farmers offer accident forgiveness?
Yes. Farmers states that Accident Forgiveness can forgive one at-fault accident every three years when the applicable coverage is included. Availability, eligibility and state restrictions apply.
Does State Farm offer accident forgiveness?
State Farm’s current published discount materials reviewed emphasize good-driver and accident-free savings. The exact options available to a customer depend on state and policy.
Does Farmers offer roadside assistance?
Yes. Farmers offers Towing and Roadside Service with qualifying services including 24/7 assistance, towing, tire changes, locksmith service and jump-starts.
Does State Farm offer rental car coverage?
Yes. State Farm offers Car Rental and Travel Expenses coverage that can help with rental and certain transportation expenses after qualifying covered losses.
Does Farmers offer rental car reimbursement?
Yes. Farmers offers Rental Car Reimbursement that can cover a qualifying rental vehicle while the insured vehicle is being repaired, subject to the policy’s applicable limits.
Does Farmers offer new car replacement?
Farmers offers New Car Replacement or related vehicle replacement coverage in qualifying states and policies. Vehicle age, mileage and other eligibility conditions apply.
Does Farmers offer gap insurance?
Farmers offers Residual Debt or Gap coverage on qualifying policies. The coverage can help address the difference between the actual cash value of a total-loss vehicle and a remaining qualifying loan or lease balance.
Can insurance discounts vary by state?
Yes. Both insurers state that coverage availability, discounts and eligibility can vary by state and policy. Always verify the current terms applicable to your location.
What should I compare besides the price?
Compare liability limits, deductibles, collision and comprehensive coverage, uninsured motorist protection, rental coverage, roadside assistance, accident forgiveness, telematics programs and other optional features relevant to your situation.
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Compare Coverage Before You Choose
State Farm and Farmers both provide extensive auto insurance options, but the details that matter can vary from one driver to another. Compare equivalent coverage limits, deductibles, discounts and optional features before making a decision.
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