State Farm vs FarmersCar insurance compared
Compared: Personal auto policy vs Personal auto policyDocuments checked: November 12, 2026
Short answer
As of November 12, 2026, from Select Your Cover's read of both insurers' documents:
State Farm comes out ahead on more of the points we compared (1 of 1), but the right choice depends on you and the price you're quoted. State Farm is stronger on am best rating; Farmers on no single point.
Head to head
AM Best rating
State Farm
State Farm: A+ vs A
Side by side
Pick what matters to you and see which of the two fits. Tap any value to read the exact wording.
State Farm
Personal auto policy
Farmers
Personal auto policy
Accident forgiveness
Your price doesn't go up after your first at-fault accident. Some insurers give it free for a clean record; others sell it.
New car replacement
If a newer car is totaled, the insurer pays for a brand-new one instead of its depreciated value.
Gap or loan payoff
Pays what you still owe on a loan or lease when that's more than the car is worth.
Shrinking deductible
Your deductible drops for every claim-free year or six months.
Rental car
Pays for a rental while your car is repaired after a covered claim.
Roadside and towing
Towing, jump starts, lockouts and flat tires. The towing distance is the main difference.
Rideshare drivers
Covers you while the Uber or Lyft app is on, before the rideshare company's own insurance applies.
Safe-driving discount
An app or device tracks your driving and can cut your price. With some insurers, risky driving can raise it.
Not ranked: State Farm, where two sources for it disagree.
AM Best rating
AM Best grades an insurer's ability to pay claims. A++ is the top grade.
Choose State Farm if…
- ✓ State Farm: A+ vs A
Choose Farmers if…
- Its price for you comes in lower. Get quotes from both.
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Common questions
Is State Farm better than Farmers?
State Farm comes out ahead on more of the points we compared (1 of 1), but the right choice depends on you and the price you're quoted. State Farm is stronger on am best rating; Farmers on no single point.
State Farm vs Farmers: am best rating?
State Farm: A+ vs A.
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Compares documents downloaded on 2026-11-12. Terms vary by state, and prices depend on you. Not insurance advice, and we are not an insurance agent.