{"id":"cmrcd38jj0041a65hshh0v9bi","slug":"farmers-insurance-vs-state-farm)","title":"Farmers Insurance vs State Farm","shortAnswer":"State Farm holds 17.9% of the U.S. auto insurance market compared to Farmers' 9.2%, and State Farm offers better average rates for safe drivers, while Farmers excels with bundling discounts and niche coverage options like rideshare and mechanical breakdown protection.","keyDifferences":[{"label":"Market Share","winner":"b","entityAValue":"9.2%","entityBValue":"17.9%"},{"label":"Average Annual Auto Premium (Safe Driver)","winner":"b","entityAValue":"$1,289","entityBValue":"$1,156"},{"label":"Available Discount Bundle (Multi-Policy)","winner":"a","entityAValue":"Up to 25%","entityBValue":"Up to 20%"},{"label":"Physical Locations (Agents)","winner":"tie","entityAValue":"18,000+","entityBValue":"19,000+"},{"label":"Digital Claims Processing (Mobile App Rating)","winner":"b","entityAValue":"4.4/5.0 stars","entityBValue":"4.6/5.0 stars"},{"label":"Coverage Customization Options","winner":"a","entityAValue":"High (rideshare, mechanical, umbrella)","entityBValue":"Standard (core coverages)"},{"label":"J.D. Power Customer Satisfaction Ranking (2024)","winner":"b","entityAValue":"4th place","entityBValue":"1st place"}],"verdict":"State Farm wins for most drivers seeking the lowest rates and highest customer satisfaction ratings, with superior digital tools and brand recognition. Choose Farmers Insurance if you prioritize aggressive multi-policy bundling discounts, want specialized coverage options like rideshare insurance, or prefer working with independent agents who can shop multiple carriers.","category":"general","entities":[{"id":"cmoehe23600cq9iy0907r2bsx","slug":"farmers-insurance","name":"Farmers Insurance","shortDesc":"Multi-line insurance provider offering auto, home, life, and specialty coverage with emphasis on bundling discounts and flexible underwriting.","imageUrl":"https://upload.wikimedia.org/wikipedia/en/thumb/8/8f/Farmers_Insurance_Group_logo.svg/330px-Farmers_Insurance_Group_logo.svg.png","entityType":"products","position":0,"pros":["Up to 25% multi-policy bundling discount (industry-leading)","Specialized coverage options including rideshare protection, mechanical breakdown, and identity theft protection","18,000+ independent agents nationwide with flexible local service","Strong home and umbrella insurance offerings that integrate well with auto policies","Good rates for drivers with minor violations or non-traditional driving patterns"],"cons":["Premium rates average 11.5% higher than State Farm for safe drivers ($1,289 vs $1,156 annually)","Lower J.D. Power satisfaction score (4th vs 1st place in 2024)"],"bestFor":"Multi-policy bundlers seeking aggressive discounts, drivers wanting specialized coverage options, those preferring independent agent relationships, and customers with non-standard driving profiles."},{"id":"cmoe3xsf2001wf4dk4tf4zbza","slug":"state-farm","name":"State Farm","shortDesc":"Largest U.S. auto insurer by market share offering comprehensive auto, home, and life insurance with extensive digital tools and highest customer satisfaction ratings.","imageUrl":null,"entityType":"products","position":1,"pros":["Lowest average annual premiums for safe drivers at $1,156 (11.5% cheaper than Farmers)","#1 ranked by J.D. Power for customer satisfaction (2024) and claims experience","Mobile app rated 4.6/5.0 stars with 24/7 digital claims filing capability","17.9% U.S. market share with 19,000+ agents providing consistent service standards","Excellent brand reputation and financial stability (AA+ rating from S&P)"],"cons":["Multi-policy bundling discount capped at 20% (5 points lower than Farmers)","Limited niche coverage options compared to Farmers (no rideshare or mechanical breakdown add-ons)"],"bestFor":"Budget-conscious drivers prioritizing lowest rates, customers who value superior customer service and digital tools, those seeking a trusted national brand, and drivers wanting seamless multi-policy bundling."}],"attributes":[{"id":"cmoehe3xe00d79iy0l9vceqgv","slug":"homeowners-insurance-ranking","name":"Homeowners Insurance Ranking","unit":null,"category":"Coverage Quality","dataType":"numeric","higherIsBetter":false,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"No. 8","valueNumber":8,"valueBoolean":null,"winner":false},{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"No. 3","valueNumber":3,"valueBoolean":null,"winner":true}]},{"id":"cmoehe4nu00dd9iy0aja3m2uq","slug":"bundle-discount-maximum","name":"Bundle Discount Maximum","unit":"%","category":"Pricing","dataType":"numeric","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"10%","valueNumber":10,"valueBoolean":null,"winner":false},{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"17%","valueNumber":17,"valueBoolean":null,"winner":true}]},{"id":"cmoehe5ea00dj9iy04e0aict0","slug":"auto-insurance-rating","name":"Auto Insurance Rating","unit":"/5","category":"Customer Satisfaction","dataType":"numeric","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"4.4/5","valueNumber":4.4,"valueBoolean":null},{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"4.4/5","valueNumber":4.4,"valueBoolean":null}]},{"id":"cmoehe64r00dp9iy01virsgyh","slug":"average-rate-competitiveness","name":"Average Rate Competitiveness","unit":null,"category":"Pricing","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"Higher","valueNumber":null,"valueBoolean":null},{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"Lower","valueNumber":null,"valueBoolean":null}]},{"id":"cmoehe6vc00dv9iy0cnbg4yx2","slug":"customer-satisfaction-level","name":"Customer Satisfaction Level","unit":null,"category":"Service Quality","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"Good","valueNumber":null,"valueBoolean":null},{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"Higher","valueNumber":null,"valueBoolean":null}]},{"id":"cmoehe7lt00e19iy07acj4v4h","slug":"financial-strength-rating","name":"Financial Strength Rating","unit":null,"category":"Financial Health","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"Solid","valueNumber":null,"valueBoolean":null},{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"Better","valueNumber":null,"valueBoolean":null}]},{"id":"cmoehe8c900e79iy0bbjnlosn","slug":"agent-recruitment-growth-yoy","name":"Agent Recruitment Growth (YoY)","unit":"%","category":"Business Growth","dataType":"numeric","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"Standard","valueNumber":null,"valueBoolean":null},{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"34%","valueNumber":34,"valueBoolean":null}]},{"id":"cmoehe92x00ed9iy0gcy9t6rz","slug":"recent-customer-dividend","name":"Recent Customer Dividend","unit":"Billion USD","category":"Customer Returns","dataType":"numeric","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"Not disclosed","valueNumber":0,"valueBoolean":null,"winner":false},{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"$5B","valueNumber":5,"valueBoolean":null,"winner":true}]},{"id":"cmr3mc1r90029euctudyz0r2v","slug":"average-annual-auto-insurance-premium","name":"Average Annual Auto Insurance Premium","unit":"USD","category":"Pricing","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"$1,550","valueNumber":1550,"valueBoolean":null}]},{"id":"cmqjy1x7k002jolgwcfduxgse","slug":"customer-satisfaction-score-j-d-power-2024-","name":"Customer Satisfaction Score (J.D. Power 2024)","unit":"points out of 1000","category":"Customer Service","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"812","valueNumber":812,"valueBoolean":null}]},{"id":"cmqekk015016c4kk2mzxbneuj","slug":"mobile-app-rating-ios-","name":"Mobile App Rating (iOS)","unit":"stars out of 5","category":"User Experience","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"4.2","valueNumber":4.2,"valueBoolean":null}]},{"id":"cmr3mc1s8002reuctfvvexhb1","slug":"available-insurance-discounts","name":"Available Insurance Discounts","unit":"number of discount types","category":"Offerings","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"45+","valueNumber":45,"valueBoolean":null}]},{"id":"cmqjy1x7n002lolgwbm3l4ku7","slug":"average-claims-processing-time","name":"Average Claims Processing Time","unit":"days","category":"Claims","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"5-7","valueNumber":6,"valueBoolean":null}]},{"id":"cmr3mc1sw0033euctym8icykd","slug":"local-agent-availability","name":"Local Agent Availability","unit":"states","category":"Service Model","dataType":"text","higherIsBetter":null,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"All 50 states","valueNumber":50,"valueBoolean":null}]},{"id":"cmr3mc1t90039euctuyefxa25","slug":"maximum-telematics-discount-savings","name":"Maximum Telematics Discount Savings","unit":"percent","category":"Usage-Based Programs","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"30%","valueNumber":30,"valueBoolean":null}]},{"id":"cmr3mc1tl003feuct63emf45t","slug":"company-founded","name":"Company Founded","unit":"year","category":"History","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"1928","valueNumber":1928,"valueBoolean":null}]},{"id":"cmr8butz5000hom8849rhuefe","slug":"maximum-bundle-discount","name":"Maximum Bundle Discount","unit":"%","category":"Discounts","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"23%","valueNumber":23,"valueBoolean":null}]},{"id":"cmr8butzh000nom88lf9ou1t8","slug":"digital-quote-completion-time","name":"Digital Quote Completion Time","unit":"minutes","category":"Digital Experience","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"12 minutes","valueNumber":12,"valueBoolean":null}]},{"id":"cmnf2bypr00tn2s3jedlli8o8","slug":"mobile-app-rating","name":"Mobile App Rating","unit":"stars","category":"User Experience","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"4.2 stars","valueNumber":4.2,"valueBoolean":null}]},{"id":"cmr8buu04000zom88pz4vunf5","slug":"available-discount-programs","name":"Available Discount Programs","unit":"count","category":"Discounts","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"30+ discounts","valueNumber":30,"valueBoolean":null}]},{"id":"cmr8buu0e0015om88ipipsf2m","slug":"average-claim-processing-time-mobile-","name":"Average Claim Processing Time (Mobile)","unit":"business days","category":"Claims","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"6 days","valueNumber":6,"valueBoolean":null}]},{"id":"cmr8buu0q001bom88ptsvg55m","slug":"snapshot-usage-based-discount-range","name":"Snapshot Usage-Based Discount Range","unit":"%","category":"Discounts","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"Not available","valueNumber":null,"valueBoolean":null}]},{"id":"cmr8buu12001hom88mtmr4pgx","slug":"customer-service-options","name":"Customer Service Options","unit":"availability","category":"Support","dataType":"text","higherIsBetter":null,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"Local agents, phone, online","valueNumber":null,"valueBoolean":null}]},{"id":"cmrbyq95o00ryymujik158ckg","slug":"average-annual-home-auto-bundle-premium","name":"Average Annual Home + Auto Bundle Premium","unit":"USD","category":"Pricing","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"$1,850","valueNumber":1850,"valueBoolean":null}]},{"id":"cmrb5wlbo0041twdxru0ebodf","slug":"claims-processing-speed","name":"Claims Processing Speed","unit":"business days","category":"Customer Service","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"4-7 days","valueNumber":5.5,"valueBoolean":null,"winner":true},{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"24-48 hours","valueNumber":36,"valueBoolean":null,"winner":false}]},{"id":"cmrbyq96f00saymujg9ya5bvz","slug":"available-discount-categories","name":"Available Discount Categories","unit":"count","category":"Pricing","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"22+","valueNumber":22,"valueBoolean":null}]},{"id":"cmqra12t9004ljg0tm98o8c06","slug":"j-d-power-customer-satisfaction-2025-","name":"J.D. Power Customer Satisfaction (2025)","unit":"score (out of 1000)","category":"Reputation","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"759","valueNumber":759,"valueBoolean":null}]},{"id":"cmrbyq97800smymuj0nom2jc8","slug":"am-best-financial-strength-rating","name":"AM Best Financial Strength Rating","unit":"rating","category":"Financial Stability","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"A+ (Superior)","valueNumber":null,"valueBoolean":null}]},{"id":"cmrbyq97k00ssymujcxd4xlrq","slug":"telematics-program-max-discount","name":"Telematics Program Max Discount","unit":"percent savings","category":"Discounts","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"Up to 30%","valueNumber":30,"valueBoolean":null}]},{"id":"cmrbyq97u00syymujm4hvf73r","slug":"mobile-app-claims-filing-available","name":"Mobile App Claims Filing Available","unit":"yes/no","category":"Digital Services","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"Limited (phone required)","valueNumber":null,"valueBoolean":null}]},{"id":"cmr7nn04f001b72d3a3787bh0","slug":"years-in-business","name":"Years in Business","unit":"years","category":"Company History","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"90+","valueNumber":90,"valueBoolean":null}]},{"id":"cmrcd38jy0047a65hookx4idn","slug":"average-annual-auto-premium-safe-driver-","name":"Average Annual Auto Premium (Safe Driver)","unit":"USD","category":"Pricing","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"$1,289","valueNumber":1289,"valueBoolean":null,"winner":false},{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"$1,156","valueNumber":1156,"valueBoolean":null,"winner":true}]},{"id":"cmrcd38k7004da65hds0s3mco","slug":"u-s-auto-insurance-market-share","name":"U.S. Auto Insurance Market Share","unit":"%","category":"Market Position","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"9.2%","valueNumber":9.2,"valueBoolean":null,"winner":false},{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"17.9%","valueNumber":17.9,"valueBoolean":null,"winner":true}]},{"id":"cmrcd38kg004ja65hcswx2dir","slug":"maximum-multi-policy-bundling-discount","name":"Maximum Multi-Policy Bundling Discount","unit":"%","category":"Discounts","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"25%","valueNumber":25,"valueBoolean":null,"winner":true},{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"20%","valueNumber":20,"valueBoolean":null,"winner":false}]},{"id":"cmrcd38ko004pa65haxp8bid3","slug":"j-d-power-customer-satisfaction-ranking","name":"J.D. Power Customer Satisfaction Ranking","unit":"position","category":"Customer Experience","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"4th place (2024)","valueNumber":4,"valueBoolean":null,"winner":false},{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"1st place (2024)","valueNumber":1,"valueBoolean":null,"winner":true}]},{"id":"cmrcd38kw004va65hjgt1ce4z","slug":"mobile-app-rating-user-reviews-","name":"Mobile App Rating (User Reviews)","unit":"stars","category":"Digital Tools","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"4.4/5.0","valueNumber":4.4,"valueBoolean":null,"winner":false},{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"4.6/5.0","valueNumber":4.6,"valueBoolean":null,"winner":true}]},{"id":"cmrcd38l30051a65hbtyqfhyk","slug":"number-of-insurance-agents-nationwide","name":"Number of Insurance Agents Nationwide","unit":"count","category":"Distribution","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"18,000+","valueNumber":18000,"valueBoolean":null,"winner":false},{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"19,000+","valueNumber":19000,"valueBoolean":null,"winner":true}]},{"id":"cmrcd38lb0057a65h27962v00","slug":"specialized-coverage-options-available","name":"Specialized Coverage Options Available","unit":"count","category":"Coverage","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"Rideshare, mechanical breakdown, identity theft, umbrella","valueNumber":null,"valueBoolean":null},{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"Standard auto, home, life, umbrella","valueNumber":null,"valueBoolean":null}]},{"id":"cmrcd38lk005da65h0qxvwpde","slug":"average-claims-processing-time-mobile-","name":"Average Claims Processing Time (Mobile)","unit":"business days","category":"Claims Service","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoehe23600cq9iy0907r2bsx","valueText":"2-3 days","valueNumber":2.5,"valueBoolean":null,"winner":false},{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"1-2 days","valueNumber":1.5,"valueBoolean":null,"winner":true}]},{"id":"cmoe3xufz002df4dk9qplsk8k","slug":"2025-net-income","name":"2025 Net Income","unit":"billion USD","category":"Financial Performance","dataType":"numeric","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"$12.9 billion","valueNumber":12.9,"valueBoolean":null}]},{"id":"cmoe3xv96002jf4dkr1jhkbw1","slug":"available-discounts","name":"Available Discounts","unit":"count","category":"Pricing & Discounts","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"Standard package","valueNumber":null,"valueBoolean":null}]},{"id":"cmoe3xw2b002pf4dkdslbuiff","slug":"accident-dui-rate-premium-increase","name":"Accident/DUI Rate Premium Increase","unit":"percentage","category":"Pricing & Discounts","dataType":"numeric","higherIsBetter":false,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"More competitive","valueNumber":null,"valueBoolean":null}]},{"id":"cmoe3xwvg002vf4dk3v8e0a47","slug":"geographic-coverage","name":"Geographic Coverage","unit":"states","category":"Coverage","dataType":"numeric","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"All 50 states","valueNumber":50,"valueBoolean":null}]},{"id":"cmoe3xxoj0031f4dka4p09812","slug":"customer-satisfaction-rating","name":"Customer Satisfaction Rating","unit":"relative ranking","category":"Service Quality","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"Solid ratings","valueNumber":null,"valueBoolean":null}]},{"id":"cmoe3xyho0037f4dk9zuktj9m","slug":"service-model","name":"Service Model","unit":"null","category":"Service","dataType":"text","higherIsBetter":null,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"Agent + Digital","valueNumber":null,"valueBoolean":null}]},{"id":"cmoe3xzav003df4dk228tuq99","slug":"rate-reductions-announced-2026","name":"Rate Reductions Announced 2026","unit":"customers affected","category":"Financial Performance","dataType":"numeric","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"700,000+ (Florida, April 2026)","valueNumber":700000,"valueBoolean":null}]},{"id":"cmoe3y03v003jf4dknkx2zqgv","slug":"claims-processing","name":"Claims Processing","unit":"null","category":"Service Quality","dataType":"text","higherIsBetter":null,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"Full digital + agent options","valueNumber":null,"valueBoolean":null}]},{"id":"cmoe3yilg0047f4dk0duzk3xd","slug":"net-income-2025","name":"Net Income (2025)","unit":"$ Billion","category":"Financial Performance","dataType":"numeric","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"State Farm","valueNumber":12.9,"valueBoolean":null}]},{"id":"cmoe3yjek004df4dk653wqzs1","slug":"average-premium-rates","name":"Average Premium Rates","unit":null,"category":"Cost","dataType":"text","higherIsBetter":false,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"Lower","valueNumber":null,"valueBoolean":null}]},{"id":"cmoe3yk7p004jf4dk0v1syalk","slug":"add-on-coverage-availability","name":"Add-On Coverage Availability","unit":null,"category":"Coverage Options","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"Standard","valueNumber":null,"valueBoolean":null}]},{"id":"cmoe3yl0u004pf4dkvs5zvqin","slug":"price-transparency-rating","name":"Price Transparency Rating","unit":null,"category":"Customer Experience","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"High","valueNumber":null,"valueBoolean":null}]},{"id":"cmoe3ylu2004vf4dk2trdn5v1","slug":"product-diversity","name":"Product Diversity","unit":null,"category":"Offerings","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"Comprehensive","valueNumber":null,"valueBoolean":null}]},{"id":"cmoe3ymn20051f4dkjgcya26w","slug":"discount-programs","name":"Discount Programs","unit":"Relative Offering","category":"Savings","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"Extensive","valueNumber":null,"valueBoolean":null}]},{"id":"cmoe3yng70057f4dkuzn92wde","slug":"digital-platform-ease-of-use","name":"Digital Platform Ease of Use","unit":null,"category":"Customer Experience","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"User-friendly","valueNumber":null,"valueBoolean":null}]},{"id":"cmoe3yo9a005df4dkotn4js3k","slug":"dividend-payout-status-2026","name":"Dividend Payout Status (2026)","unit":null,"category":"Policyholder Benefits","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"Record dividend","valueNumber":null,"valueBoolean":null}]},{"id":"cmoeherps00f19iy0hpt90vxx","slug":"customer-base","name":"Customer Base","unit":"millions","category":"Scale","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"18M+","valueNumber":18,"valueBoolean":null}]},{"id":"cmoe3zw8c0085f4dkp0md1nkd","slug":"average-annual-premium","name":"Average Annual Premium","unit":"relative to national average","category":"Pricing","dataType":"text","higherIsBetter":false,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"$380-$395","valueNumber":387.5,"valueBoolean":null}]},{"id":"cmoehet2b00fb9iy0pf2widxu","slug":"2026-revenue-projection","name":"2026 Revenue Projection","unit":"billion USD","category":"Financial","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"$20B+","valueNumber":20,"valueBoolean":null}]},{"id":"cmoehetss00fh9iy0uaaiqa4j","slug":"claims-processing-speed","name":"Claims Processing Speed","unit":null,"category":"Service","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"3-7 days","valueNumber":null,"valueBoolean":null}]},{"id":"cmoeheuj900fn9iy0fmvqpp0a","slug":"digital-availability","name":"Digital Availability","unit":null,"category":"Accessibility","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"Hybrid","valueNumber":null,"valueBoolean":null}]},{"id":"cmoehev9m00ft9iy0mpl3ckoh","slug":"product-coverage-types","name":"Product Coverage Types","unit":null,"category":"Coverage","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"Auto, Home, Renters, Life","valueNumber":4,"valueBoolean":null}]},{"id":"cmoehew0300fz9iy0xbryxfbr","slug":"year-founded","name":"Year Founded","unit":null,"category":"History","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"1922","valueNumber":1922,"valueBoolean":null}]},{"id":"cmoehewqi00g59iy02bshulbo","slug":"customer-dividend-returns-2026","name":"Customer Dividend/Returns (2026)","unit":"billion USD","category":"Value","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"$5B dividend","valueNumber":5,"valueBoolean":null}]},{"id":"cmpi6sx0t002dachduxa7mghf","slug":"auto-insurance-market-share","name":"Auto Insurance Market Share","unit":"percent","category":"Market Position","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"16.5%","valueNumber":16.5,"valueBoolean":null}]},{"id":"cmpi6sxs9002jachdvgcezq1f","slug":"average-annual-auto-premium","name":"Average Annual Auto Premium","unit":"USD","category":"Pricing","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"$1,420","valueNumber":1420,"valueBoolean":null}]},{"id":"cmpi6syle002pachdrtt9ux9a","slug":"customer-service-j-d-power-score","name":"Customer Service J.D. Power Score","unit":"out of 1000","category":"Customer Experience","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"779","valueNumber":779,"valueBoolean":null}]},{"id":"cmpi6szeg002vachd8j28cjxu","slug":"available-insurance-discounts","name":"Available Insurance Discounts","unit":"count","category":"Offerings","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"20+","valueNumber":20,"valueBoolean":null}]},{"id":"cmpi6t07j0031achdcihcczhu","slug":"mobile-app-rating-google-play","name":"Mobile App Rating (Google Play)","unit":"stars","category":"Digital Tools","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"4.3","valueNumber":4.3,"valueBoolean":null}]},{"id":"cmpi6t10r0037achdo2znr32v","slug":"number-of-local-agents","name":"Number of Local Agents","unit":"agents","category":"Agent Network","dataType":"text","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"~18,000+ nationwide","valueNumber":18000,"valueBoolean":null}]},{"id":"cmpi6t1tw003dachd6fpf2oc0","slug":"years-in-business","name":"Years in Business","unit":"years","category":"Stability","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"90+ years (founded 1931)","valueNumber":90,"valueBoolean":null}]},{"id":"cmpi6t2mw003jachdgy8f52gv","slug":"am-best-financial-strength-rating","name":"AM Best Financial Strength Rating","unit":"rating","category":"Financial Stability","dataType":"text","higherIsBetter":null,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"A+ (Superior)","valueNumber":null,"valueBoolean":null}]},{"id":"cmpp5777101anli5nt0yp3f1o","slug":"us-auto-insurance-market-share","name":"US Auto Insurance Market Share","unit":"%","category":"Market Position","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"17.1%","valueNumber":17.1,"valueBoolean":null}]},{"id":"cmpp577tq01atli5nz2mikzs8","slug":"global-customers","name":"Global Customers","unit":"millions","category":"Scale","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"88 million (US + Canada primarily)","valueNumber":88,"valueBoolean":null}]},{"id":"cmpi6s98d0017achdy97m2nod","slug":"customer-satisfaction-score","name":"Customer Satisfaction Score","unit":"Score","category":"Satisfaction","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"821","valueNumber":821,"valueBoolean":null}]},{"id":"cmpp578zd01b3li5nk3o0n8rr","slug":"average-auto-insurance-bundle-discount","name":"Average Auto Insurance Bundle Discount","unit":"%","category":"Pricing","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"25%","valueNumber":25,"valueBoolean":null}]},{"id":"cmpp579m301b9li5nija3nggq","slug":"life-insurance-product-variety","name":"Life Insurance Product Variety","unit":null,"category":"Product Offerings","dataType":"text","higherIsBetter":null,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"Basic term and whole life options","valueNumber":null,"valueBoolean":null}]},{"id":"cmpp57a8t01bfli5n6o0iuj8a","slug":"claims-processing-time-auto","name":"Claims Processing Time (Auto)","unit":"days","category":"Service","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"2-4 business days","valueNumber":3,"valueBoolean":null}]},{"id":"cmpp57avr01blli5no0zbeqcg","slug":"agent-network-availability","name":"Agent Network Availability","unit":null,"category":"Distribution","dataType":"text","higherIsBetter":null,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"20,000+ exclusive local agents","valueNumber":null,"valueBoolean":null}]},{"id":"cmpp57bij01brli5ntb8w3kd6","slug":"international-operations","name":"International Operations","unit":"countries","category":"Global Reach","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"3","valueNumber":3,"valueBoolean":null}]},{"id":"cmqalk36n001i7xk5geuqryi0","slug":"average-annual-full-coverage-premium","name":"Average Annual Full Coverage Premium","unit":"USD","category":"Pricing","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"$1,240","valueNumber":1240,"valueBoolean":null}]},{"id":"cmqalk373001o7xk5ctrsy5x4","slug":"claims-processing-time-mobile-","name":"Claims Processing Time (Mobile)","unit":"business days","category":"Service","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"5-7 days","valueNumber":6,"valueBoolean":null}]},{"id":"cmqalk37c001u7xk5jfhcgd2c","slug":"j-d-power-customer-satisfaction-score","name":"J.D. Power Customer Satisfaction Score","unit":"score out of 1000","category":"Customer Service","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"82/100","valueNumber":82,"valueBoolean":null}]},{"id":"cmqalk37m00207xk567nzurb4","slug":"maximum-usage-based-discount","name":"Maximum Usage-Based Discount","unit":"percent","category":"Discounts","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"Not offered","valueNumber":null,"valueBoolean":null}]},{"id":"cmqalk37v00267xk5nvmf9i8k","slug":"online-quote-completion-time","name":"Online Quote Completion Time","unit":"minutes","category":"Digital Experience","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"12-15 minutes","valueNumber":13.5,"valueBoolean":null}]},{"id":"cmqalk385002c7xk5gbqh2ds4","slug":"number-of-local-agents","name":"Number of Local Agents","unit":"agents","category":"Customer Service","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"15,000+","valueNumber":15000,"valueBoolean":null}]},{"id":"cmqalk39s002i7xk5tczwkqca","slug":"home-auto-bundle-discount","name":"Home & Auto Bundle Discount","unit":"percent","category":"Discounts","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"Up to 25%","valueNumber":25,"valueBoolean":null}]},{"id":"cmqalk3a2002o7xk5mx9qypor","slug":"financial-stability-rating","name":"Financial Stability Rating","unit":"rating","category":"Financial Health","dataType":"text","higherIsBetter":null,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"A++ (AM Best)","valueNumber":null,"valueBoolean":null}]},{"id":"cmrb5wlb6003ptwdxjvqmc6kh","slug":"average-annual-auto-premium-good-driver-","name":"Average Annual Auto Premium (Good Driver)","unit":"USD","category":"Pricing","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"$2,156","valueNumber":2156,"valueBoolean":null}]},{"id":"cmqo1me7l008pwjkfqartt3ah","slug":"customer-service-rating","name":"Customer Service Rating","unit":"J.D. Power Score /1000","category":"Service Quality","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"824","valueNumber":824,"valueBoolean":null}]},{"id":"cmrb5wlbz0047twdxy6kvsrd4","slug":"maximum-snapshot-discount","name":"Maximum Snapshot Discount","unit":"percent","category":"Discounts","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"0%","valueNumber":0,"valueBoolean":null}]},{"id":"cmrb5wlc6004dtwdxw8mvi4ab","slug":"local-agent-network","name":"Local Agent Network","unit":"agents","category":"Service Channels","dataType":"number","higherIsBetter":true,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"18,500+","valueNumber":18500,"valueBoolean":null}]},{"id":"cmrb5wlce004jtwdxkr8njvti","slug":"naic-complaint-ratio","name":"NAIC Complaint Ratio","unit":"per 1,000 policies","category":"Reliability","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"0.55","valueNumber":0.55,"valueBoolean":null}]},{"id":"cmrb5wlcn004ptwdxgwthdn4i","slug":"online-quote-time","name":"Online Quote Time","unit":"minutes","category":"Convenience","dataType":"number","higherIsBetter":false,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"8-12","valueNumber":10,"valueBoolean":null}]},{"id":"cmrb5wlcu004vtwdxiyq6gwwk","slug":"market-share","name":"Market Share","unit":"percent","category":"Market Position","dataType":"number","higherIsBetter":null,"values":[{"entityId":"cmoe3xsf2001wf4dk4tf4zbza","valueText":"16.8%","valueNumber":16.8,"valueBoolean":null}]}],"faqs":[{"question":"Which insurance company has the lowest auto insurance rates?","answer":"State Farm offers lower average annual premiums at $1,156 for safe drivers, compared to Farmers Insurance at $1,289—approximately 11.5% cheaper. However, rates vary significantly based on individual factors like driving history, location, age, and vehicle type. Use online quote tools from both companies to compare personalized rates for your specific situation."},{"question":"Does Farmers Insurance or State Farm offer better bundling discounts?","answer":"Farmers Insurance offers the more aggressive bundling discount at up to 25% when combining multiple policies (auto, home, life, etc.), compared to State Farm's maximum 20% bundling discount. If you're bundling three or more policies, Farmers could save you significantly more money despite higher base rates."},{"question":"Which company has better customer service and satisfaction ratings?","answer":"State Farm ranks #1 in J.D. Power's 2024 customer satisfaction survey, while Farmers ranks 4th. State Farm's mobile app also scores higher at 4.6/5.0 stars versus Farmers' 4.4/5.0. State Farm also processes claims faster (1-2 business days mobile vs. 2-3 for Farmers), making it the better choice for those prioritizing customer experience."},{"question":"What specialized coverage options does Farmers offer that State Farm doesn't?","answer":"Farmers Insurance offers specialized add-ons including rideshare driver protection, mechanical breakdown coverage for older vehicles, identity theft protection, and enhanced umbrella policies. State Farm focuses on standard coverage options but integrates them seamlessly. If you drive for rideshare or own an older vehicle, Farmers' specialized offerings provide valuable protection."},{"question":"Is State Farm or Farmers Insurance more financially stable?","answer":"State Farm holds stronger financial ratings with an AA+ rating from Standard & Poor's and maintains 17.9% U.S. market share as the #1 auto insurer. Farmers holds an A+ rating from S&P and maintains solid financial position with 9.2% market share. Both are financially stable, but State Farm's size and ratings provide additional security."}],"relatedComparisons":[{"slug":"farmers-insurance-vs-state-farm","title":"Farmers Insurance vs State Farm","category":"products"},{"slug":"geico-vs-state-farm","title":"State Farm vs Geico","category":"insurance"},{"slug":"allstate-vs-state-farm","title":"State Farm vs Allstate","category":"Insurance"},{"slug":"lemonade-vs-state-farm","title":"Lemonade vs State Farm","category":"products"},{"slug":"nationwide-vs-state-farm","title":"Nationwide vs State Farm","category":"insurance"},{"slug":"metlife-vs-state-farm","title":"MetLife vs State Farm","category":"insurance"},{"slug":"state-farm-vs-progressive","title":"State Farm vs Progressive","category":"finance"},{"slug":"progressive-vs-state-farm","title":"Progressive vs State Farm","category":"finance"},{"slug":"farmers-insurance-vs-progressive","title":"Farmers Insurance vs Progressive","category":"finance"},{"slug":"farmers-insurance-vs-progressive)","title":"Farmers Insurance vs Progressive","category":"general"},{"slug":"progressive-vs-state-farm)","title":"Progressive vs State Farm","category":"finance"},{"slug":"farmers-insurance-vs-progressive))","title":"Farmers Insurance vs Progressive","category":"finance"}],"relatedBlogPosts":[],"metadata":{"metaTitle":"Farmers vs State Farm Insurance 2026: Rates & Discounts","metaDescription":"Compare Farmers Insurance vs State Farm: State Farm saves 11.5% annually ($1,289 vs $1,156). Farmers offers 25% bundling. See ratings, coverage, and which wins.","publishedAt":"2026-07-08T17:38:33.307Z","updatedAt":"2026-07-08T17:38:33.343Z","isAutoGenerated":true,"isHumanReviewed":false,"viewCount":0}}