Farmers auto insurance is one of the nation’s oldest choices for coverage and ranks among the best according to Farmers insurance reviews.
We’ve scoured the car insurance market to bring you a comprehensive list of the best car insurance providers and match you with the right plan for you. Farmers made our list for excellent coverage, and Farmers insurance reviews from drivers across the country agree with us. Read on to find out what factors distinguish Farmers from other auto insurance companies.
Farmers Insurance was founded in 1928 and since grown into a multi-billion dollar firm with more than 48,000 independent agents across the country. In 2019, the insurer wrote over $6 billion in premiums.
Farmers offers auto coverage as well as home insurance, umbrella insurance, business insurance, life insurance, and renters insurance. Policies are sold through independent agents meant to provide a personalized experience from the time you buy a policy to when you need to file a claim.
Motor1 Coverage Score: 4.5 / 5.0
Farmers offers all of the standard forms of car insurance: bodily injury liability coverage, property damage liability coverage, collision coverage, comprehensive coverage, medical payments, personal injury protection, and coverage against uninsured/underinsured motorists.
Most insurers and all national insurers offer these types of coverage. What can differentiate coverage between major providers is the supplemental coverage that is available. Farmers includes the following nonstandard coverage options and policy add-ons:
- New car replacement
- Accident forgiveness insurance
- Custom equipment coverage
- Original equipment manufacturer (OEM) parts
- Loss of use coverage
- Guaranteed Value™
- Towing and roadside service
- Personal umbrella
- Glass and windshield coverage
- Rideshare insurance for drivers who work for Uber, Lyft, and others
Looking To Cover A New Car?
Farmers Insurance offers the New Car Pledge®, which guarantees a replacement for newly purchased vehicles that are a total loss. The totaled vehicle will be replaced with a new car of the same make and model at full market value without depreciation as long as the car has less than 24,000 miles on it and is less than two model years old. If your new car can be repaired, Farmers will cover original equipment manufacturer parts when available.
Farmers Insurance Cost And Discounts
Premiums vary by state and the type of coverage you decide to purchase. With that being said, the average car insurance rates from Farmers is $1,682 according to U.S. News & World Report. Some of the other factors that could affect the cost of your premium include the type of coverage you purchase, your driving record, and location. Read Farmers insurance reviews in your area to see how much you can expect to pay.
Discounts With Farmers Auto Insurance
The discount opportunities offered by Farmers give you the power to improve your eligibility by making changes to your driving style or your car’s features. Discounts with Farmers depend on what state you live in, but some examples include:
- Good driver discount
- Homeowner discount
- Bundling discount
- Discounts for adult drivers and students/teens with parents who have safe driving records
- Good student discount
- Occupational discounts (applicable to doctors, nurses, RNs, firefighters, police officers, and more)
- Senior defensive driving discount (for people age 55 or older after completing an online safety course provided by AARP)
- Alternatively fueled vehicle discount
- Airbags, anti-theft technology, and other safety features
- Discount for having policies for multiple vehicles
Here are some additional things you could do to improve your chances of qualifying for Farmers auto insurance discounts:
- Bundle auto insurance with home insurance, life insurance, or another insurance product to save by becoming a multi-policy holder
- Pay your policy in full
- Pay electronically
- Take a defensive driving course
- Use Signal®
Signal is Farmers’ mobile app that monitors your driving behavior and can qualify you for even more discounts. It tracks how fast you drive, brake, accelerate, and other driving habits and receives positive feedback in Farmers insurance reviews. Once you sign up for Signal and complete 10 trips, you’ll receive a five-percent policy discount. When it comes time to renew your policy, you could be eligible for up to a 15-percent discount, based on the driving score the app gives you.
Farmers Insurance Reviews
Motor1 Customer Service Score: 4.4 / 5.0
Farmers Insurance Group is accredited by the BBB where it holds an A- rating. This rating considers the company’s age, complaints, and transparency of its business practices.
Positive Farmers Insurance Reviews
Farmers insurance reviews frequently mention the wide array of coverage options and available discounts. Many customer report high-quality claims support service, which is important in an insurer.
“Great service, best rates around. I have shopped it and I’ve shopped it. No one can beat them. My agent goes above and beyond. I love that they call me every year to make sure that nothing has changed and check in, they also send birthday cards. So sweet, really a personal touch!”
– Kaleb H. via BBB
“Great company with a solid financially sound product at a great price. I’m very pleased with my experience and I almost cut my auto rates in half for more coverage.”
– Eddie H. via BBB
Negative Farmers Insurance Reviews
Although there are many satisfied Farmers policyholders, the company is not without its shortcomings. Some report high premiums compared to competitors and poor roadside assistance responses.
“After being a loyal [customer] with Farmers Insurance, paying my policy once a year and paying high premiums. Once I got in accident I had to fight with them every [cent] of my claim, they refused to pay my rear bumper claiming it was not part of that accident which means I have to file a separate claim and pay another deductible. Very unsatisfied with their service, [will] be moving to another insurance company.”
– Julia V. via BBB
“Super expensive compared to other companies… I just cancelled three policies with them after many years and countless rate increases, as well as many mistakes in their paperwork… I was able to secure the exact same coverage elsewhere for much less… buyer beware!”
– Holly B. via Yelp
Motor1 Technology Score: 4.6 / 5.0
The Farmers Mobile App allows customers to access insurance ID cards, file insurance claims, view policy documents, request roadside assistance, and find local agent contact information. It’s fairly standard for major insurers to offer an app with these features, but a convenience nonetheless.
Farmers’ online services and mobile app has a 4.6 out of 5.0 star rating on the Google Play store based on over 5,500 ratings. On the Apple App store the Farmers App has a rating of 4.8 out of 5.0 based on more than 6,000 ratings. The app loads quickly and functions properly, which is not always the case when companies don’t put enough energy into app development and servicing.
Farmers also uses a mobile app for its Signal program. This app is used to track your driving habits to monitor discounts. This app also receives positive reviews from customers, with a 4.7 star rating in the Apple App store and a 4.2 star rating in the Google Play store. Most reviews are pleased with the policy savings it provides.
Our Take On Farmers Insurance: 4.4 Stars
Overall, we rate Farmers Insurance 4.4 out of 5.0 stars. Its good selection of car insurance coverage options and add-ons. The many discount offers keep rates low and the Farmers Insurance reviews indicate high customer satisfaction. However, Farmers Insurance is not cheap for everyone, and some have complained about high premiums as well as a middling roadside assistance program.
But most importantly, customers can be sure that Farmers has the ability to meet claims obligations, as the company has an A financial strength rating from AM Best. Farmers is available across the US and a good choice for most drivers.
Farmers provides coverage for drivers in every stage of life. Given the company’s high ratings from experts like the Better Business Bureau (BBB) and positive Farmers insurance reviews, it’s easy to see that the auto insurance program has a lot to offer.
This review takes a look at Farmers financial standing, customer service, availability, cost discounts, coverage, and technology to paint you a better picture of Farmers auto insurance.
Top Recommendations For Auto Insurance
While Farmers is a great choice for coverage, it’s smart to get quotes from more than one car insurance company when shopping for car insurance. We recommend considering Progressive and State Farm as other contenders to protect your vehicle.
Progressive Insurance: 4.6 Stars
Our review of Progressive insurance found that this company is a good option for drivers in their 20s and people with a DUI in their driving history. Progressive is one of the top insurance providers in the U.S. The company has positive online reviews from satisfied customers and awards from reputable sources like J.D. Power and Fortune 500.
Auto insurance from Progressive includes standard coverage, plus add-ons for things like roadside assistance, rental car reimbursement, and custom parts and equipment value.
State Farm Insurance: 4.6 Stars
We’ve also reviewed State Farm, which ranks 36th on the Fortune 500 list and has over 83 million policies and accounts. In addition to standard coverage, State Farm offers extra coverage for rental and travel expenses, ridesharing, and roadside assistance. You can get competitive discounts for safe driving, safe vehicles, and company loyalty. The Drive Safe & Save™ discount includes lower prices for low annual mileage and safe driving habits.
Use our tool to compare fast, free online quotes from reputable auto insurance providers servicing your area, or call us at (844) 246-8209.
FAQ About Farmers Insurance
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.