Auto Insurance Comparison
State Auto vs Farmers
Side-by-side comparison of State Auto vs Farmers auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
State Auto is essentially tied with Farmers in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| State Auto | Farmers | |
|---|---|---|
| Overall score | 3.75 /5 ★★★★★ Highest overall | 3.70 /5 ★★★★★ |
| Best for | State Auto Insurance is now part of Liberty Mutual (acquired 2022) but continues to operate under the State Auto brand through independent agents | Farmers is built around its 48,000-agent network and a broad bundling story — particularly when paired with home or life coverage |
| Read full review | State Auto review → | Farmers review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | State Auto | Farmers |
|---|---|---|
| Customer experience | 3.80 | 3.70 |
| Coverage breadth | 3.90 | 4.20 |
| Affordability | 3.50 | 3.20 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
State Auto
Full review →Pros
- Now backed by Liberty Mutual financial strength
- Independent agent distribution with shop-around flexibility
- Multi-line bundling discounts
- Solid customer satisfaction in operating states
Cons
- Geographic concentration in Midwest and Southeast
- Recent acquisition means brand and service evolution still underway
- Mid-market pricing, not a budget option
Farmers
Full review →Pros
- Coverage that is completely customizable for both vehicle and house insurance policies
- Opportunities for bundling several lines of insurance
- Numerous automobile insurance reductions are available.
- Fewer customer complaints than average
Cons
- Standalone auto rates typically run above more pure-play competitors
- Customer satisfaction on claims handling trends average to slightly below average
- Online quote and self-service experience lags more digital-native competitors
Coverage at a glance
What each carrier offers in standard policies.
State Auto
Farmers
The bottom line
State Auto
State Auto is a fine regional choice in the Midwest and Southeast through an independent agent. The Liberty Mutual acquisition adds financial strength but the long-term brand identity is still settling.
Read the full State Auto reviewFarmers
Choose Farmers if you'd use the agent relationship and bundle multiple lines. As a price-driven solo-auto shopper, you'll usually find cheaper rates at GEICO or Progressive without giving up much.
Read the full Farmers reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.