Auto Insurance Comparison
Farmers vs The General
Side-by-side comparison of Farmers vs The General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Farmers comes out clearly ahead The General 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.
| Farmers | The General | |
|---|---|---|
| Overall score | 3.70 /5 ★★★★★ Highest overall | 3.25 /5 ★★★★★ |
| Best for | Farmers is built around its 48,000-agent network and a broad bundling story — particularly when paired with home or life coverage | The General writes non-standard auto insurance for drivers who can't easily get coverage from mainstream carriers |
| Read full review | Farmers review → | The General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Farmers | The General |
|---|---|---|
| Customer experience | 3.70 | 3.00 |
| Coverage breadth | 4.20 | 3.00 |
| Affordability | 3.20 | 3.80 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
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
The General
Full review →Pros
- Strong specialization in non-standard risk — accepts drivers others reject
- Quick online quotes including SR-22 filings
- Available in 45 states, broader than most non-standard competitors
- Affordable for high-risk profiles that mainstream carriers price out
Cons
- Customer satisfaction and claims experience trend below industry averages
- Standard-risk drivers will pay more here than at mainstream carriers
- Coverage menu is intentionally minimal — limited add-on options
Coverage at a glance
What each carrier offers in standard policies.
Farmers
The General
The bottom line
Farmers
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 reviewThe General
If you've been denied by mainstream carriers or need SR-22 filing, The General is a legitimate option. If you're a standard-risk driver, you're paying for risk pooling you don't need — get quotes from GEICO and Progressive first.
Read the full The General 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.