Farmers vs. The General Car Insurance [2021]

How do Farmers vs. The General car insurance compare? Farmers Insurance provides average quotes for their car insurance rates, but The General does not as a much smaller company. The General does have a better AM Best rating, but they also have a higher complaint index and offer fewer discounts. As always, it's best to shop around and compare rates before making a choice.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 27, 2021

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The General vs. Farmers Car Insurance Comparison Summary
DetailsFarmers The General
Year Founded19281992
Headquarters3120 139th Ave., Suite 300
Bellevue, WA 98005
2636 Elm Hill Pike, Suite 510. Nashville, Tennessee 37214
Available in50 states44 states
Direct Premiums Written$6,357,987,000$47,357,000
Market Share4.58%0.05%
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How do Farmers vs. The General compare on car insurance? Let’s look at their rates, financial ratings, and customer ratings below.

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Farmers vs. The General: Comparing Car Insurance Rates

Let’s take a look at car insurance rates for Farmers car insurance vs. insurance rates for The General car insurance. We only have car insurance rates for Farmers, so Farmers gets a point for transparency.

Farmers vs. The General: Which is cheapest by state?

You can see Farmers car insurance rates by state in the table below.

Farmers Average Annual Car Insurance Rates by State
StatesFarmers Average Annual Rates
Iowa$2,435.72
Maine$2,770.15
Washington$2,962.00
Wyoming$3,069.35
North Dakota$3,092.49
Minnesota$3,137.45
Idaho$3,168.28
Ohio$3,423.01
Tennessee$3,430.07
Indiana$3,437.55
Kansas$3,703.77
Oregon$3,753.52
South Dakota$3,768.80
Wisconsin$3,777.49
Montana$3,907.55
Utah$3,907.99
Nebraska$3,997.29
Oklahoma$4,142.40
Alabama$4,185.80
Arkansas$4,257.87
Missouri$4,312.19
New Mexico$4,315.53
Illinois$4,605.20
South Carolina$4,691.85
Hawaii$4,763.82
California$4,998.78
Arizona$5,000.08
Colorado$5,290.24
Nevada$5,595.56
New Jersey$7,617.00
Michigan$8,503.60
AlaskaData Not Available
ConnecticutData Not Available
District of ColumbiaData Not Available
DelawareData Not Available
FloridaData Not Available
GeorgiaData Not Available
KentuckyData Not Available
LouisianaData Not Available
MarylandData Not Available
MassachusettsData Not Available
MississippiData Not Available
North CarolinaData Not Available
New HampshireData Not Available
New YorkData Not Available
PennsylvaniaData Not Available
Rhode IslandData Not Available
TexasData Not Available
VirginiaData Not Available
VermontData Not Available
West VirginiaData Not Available
Average U.S. Rates$3,907.99
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Not every state’s average is provided by Farmers, but there are none from The General.

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Farmers vs. The General: Which is cheapest by driving record?

Here, we only have rates from Farmers to compare by driving record. You can see how your rates will rise substantially with just one speeding ticket, car accident, or DUI.

Farmers vs. The General: Rates with One Speeding Ticket

Check out the rate increase for Farmers insurance for one speeding ticket.

Farmers Average Annual Car Insurance Rates with One Speeding Ticket
Driving RecordFarmers Average Annual Rates
Clean record$3,460.60
With one speeding violation$4,079.01
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One speeding ticket raises your rates with Farmers by around 18 percent.

Farmers vs. The General: Rates with One Car Accident 

Check out the rate increase for Farmers insurance for one car accident.

Farmers Average Annual Car Insurance Rates With One At-Fault Accident
Driving RecordFarmers Average Annual Rates
Clean record$3,460.60
With one accident$4,518.73
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Your rates can go up by about 31 percent with just one at-fault accident with Farmers.

Farmers vs. The General: Rates with One DUI

Check out the rate increase for Farmers insurance for one DUI.

Farmers Average Annual Car Insurance Rates Increase With One DUI
Driving RecordFarmers Average Annual Rates
Clean record$3,460.60
With one DUI$4,718.75
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Just one DUI with Farmers can raise your rates around 36 percent.

Farmers vs. The General: Which is cheapest by age and gender?

Farmers has provided its car insurance rates by age and gender, as you can see in the table below.

Farmers Average Annual Car Insurance Rates by Age and Gender
DemographicFarmers Average Annual Rates
Married 60-year-old female$2,336.80
Married 60-year-old male$2,448.39
Married 35-year-old female$2,556.98
Married 35-year-old male$2,557.75
Single 25-year old-female$2,946.80
Single 25-year old-male$3,041.44
Single 17-year old-female$8,521.97
Single 17-year old-male$9,144.04
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As with most insurers, younger drivers will pay more for their car insurance.

It’s important to note that it’s illegal in some states to factor your gender into your car insurance rates.

These states include:

  • California
  • Hawaii
  • Massachussetts
  • Montana
  • North Carolina
  • Pennsylvania

But for other states, it’s still legal to charge more because of your gender.

Farmers vs. The General: Which is cheapest by credit score?

What about credit score?

Farmers Average Annual Car Insurance Rates By Credit History
Credit HistoryFarmers Average Annual Rates
Good credit$3,677.12
Fair credit$3,899.41
Poor credit$4,864.14
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Your rates with Farmers are around 32 percent higher if you have poor credit vs. having a good credit score.

Farmers vs. The General: Which is cheapest by annual mileage?

Your commute length affects how much you’ll pay for your car insurance.

Farmers Average Annual Car Insurance Rates by Commute Length

Commute Length and Annual MileageFarmers Average Annual Rates
10 miles commute
6,000 annual mileage
$4,179.32
25 miles commute
12,000 annual mileage
$4,209.22
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A longer commute can cost you less than one percent more. It’s not a huge difference, but you will pay a little more with Farmers if you drive a lot of miles.

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Farmers vs. The General: Which is cheapest by car make and model?

The make and model of your vehicle affects your car insurance rates as well. It costs more to fix newer and more expensive vehicles, so your insurer will take that into account.

Farmers Average Annual Car Insurance Rates by Vehicle Make and Model
Vehicle Make and ModelFarmers Average Annual Rates
2015 Toyota RAV4: XLE$3,728.22
2018 Toyota RAV4: XLE$3,769.00
2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$4,093.50
2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$4,390.19
2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$4,405.21
2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$4,779.51
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Once again, we only have Farmers insurance rates for this, but you can see the difference for vehicles in the table above.

Farmers vs. The General: Which is cheapest by coverage level?

How much does car insurance cost by coverage level?

Farmers Average Annual Car Insurance Rates by Coverage Level
Coverage TypeFarmers Average Annual Rates
Low coverage$3,922.47
Medium coverage$4,166.22
High coverage$4,494.13
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It may go without saying, but you’ll pay a little more for higher levels of coverage. Farmers’ rates are relatively reasonable across the board for different coverage levels.

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Farmers vs. The General: Ratings and Customer Satisfaction

It’s important to know where a company stands financially before committing to a policy. Let’s take a look at these objective ratings.

Farmers vs. The General: What are their financial ratings?

So, how do Farmers and The General stack up in terms of financial strength?

Farmers vs. The General Car Insurance Financial Ratings
Ratings CompaniesFarmers Car Insurance RatingThe General Car Insurance Rating
AM BestAA+
S&PANR
Moody'sA2A2
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The General isn’t rated by Standard & Poor’s (S&P), but Moody’s gave Farmers and The General the same rating. The General has a higher A.M. Best rating than Farmers, despite its smaller market share.

Farmers vs. The General: How do customers rate them?

How do customers feel about Farmers and The General?

Farmers vs The General Car Insurance Customer Satisfaction Ratings
Customer Satisfaction Ratings AgencyFarmers Car Insurance RatingsThe General Car Insurance Ratings
JD PowerAbout AverageNR
NAIC Complaint Index (1 being the market average)0.791.21
Better Business BureauA+A+
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Both companies are accredited with an A+ from the Better Business Bureau, with The General having a higher complaint ratio from the NAIC (meaning customers of The General register more complaints than customers of Farmers).

Farmers vs. The General: What is their market share?

Farmers Insurance is substantially larger than The General.

Farmers lays claim to a 4.58 percent market share, and The General has a much smaller share at 0.05 percent.

Farmers vs. The General: Car Insurance Coverage and Options

What services are offered by Farmers or The General?

Farmers vs. The General: What are their coverage options?

Farmers Insurance offers many car insurance options, including traditional auto, as well as coverages like home, life, business, renters, condo insurance, and more.

The General offers all basic car insurance services.

Usage-Based Insurance Programs

Farmers offers the Signal® app, which can save you up to 15 percent on your premium.

The General does not mention a telematics program on its website.

Farmers vs. The General: What discounts do they offer?

One of the easiest ways to save money on your premium is to take advantage of car insurance discounts. Take a look at this video from Shine Insurance that shows commonly available car insurance discounts.

You can see which discounts are offered by Farmers and The General below.

Farmers Vs The General Car Insurance Discounts
DiscountsFarmersThe General
Adaptive Headlightsx
Anti-lock Brakesxx
Anti-Theftxx
Daytime Running Lightsx
Electronic Stability Controlx
Utility Vehiclex
Vehicle Recoveryxx
VIN Etchingx
Newer Vehiclex
Green Vehiclex
Claim Freexx
Continuous Coveragex
Defensive Driverxx
Distant Studentx
Driver's Edxx
Early Signingx
Family Planx
Farm Vehiclex
Federal Employeex
Full Paymentxx
Garaging/Storingx
Good Studentxx
Homeownerxx
Low Mileagexx
Loyaltyx
Marriedx
Militaryxx
Multiple Policiesxx
Multiple Vehiclesxx
Occupationx
Paperless Documentsx
Paperless/Auto Billingxx
Passive Restraintxx
Safe Driverxx
Senior Driverxx
Switching Providerxx
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Farmers offers 34 car insurance discounts, while The General offers 20 discounts.

Farmers vs. The General: Which company is the best?

So, which is better, Farmers or The General?

Points for transparency to Farmers for providing its car insurance rates, but it’s important to note that it is also a much larger company than The General.

The General does have a better A.M. Best rating, but it also has a higher complaint index and fewer discounts.

Looking for The General car insurance quotes or Farmers car insurance quotes?  Don’t settle for less than the best — always compare rates from different companies. We can help. Enter your ZIP code to get FREE quotes from multiple insurers.

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