What can we learn from Farmers insurance reviews?

Advertiser Disclosure

 

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. 

Use our quote comparison tool above to get started. Or, for an even easier process, call our team at (855) 518-0148 to get free, personalized car insurance quotes seven days a week.

In this article:

 


 

Farmers Insurance Overview

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.

We’ve taken into consideration financial standing, customer service, availability, cost and discounts, coverage, and technology to paint you a better picture of Farmers auto insurance. Here’s a quick snapshot:

  • Fast quotes available online
  • 24-hour customer service with local insurance agents
  • Discounts for homeowners, safe driving, defensive driving courses, and more
  • Add-on options including new car replacement and accident forgiveness

 


 

Farmers Auto Insurance Coverage

Traditional insurance from Farmers covers bodily injury liability coverage, property damage liability coverage, collision coverage, comprehensive coverage, medical payments, personal injury protection, and coverage against uninsured/underinsured motorists.

Supplemental coverage options are also available for:

  • 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. 

 


 

How Much Does Farmers Insurance Cost?

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

There are many positive aspects to using Farmers Insurance as your auto insurance provider. The company has a consistent A+ BBB rating, which takes into account the company’s age, complaints, and transparency of its business practices.

Positive Farmers Insurance Reviews

Farmers insurance reviews praise the insurer in many areas, including:

  • A wide array of coverage options
  • High-quality claims support
  • Many discounts available

"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 reported benefits to using Farmers Insurance Group to provide auto insurance, the company is not without its shortcomings in the eyes of consumers, as seen in some Farmers customer concerns:

"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

 


 

Getting A Quote For Farmers Auto Insurance

To get a quote for Farmers car insurance, you’ll need:

  • Your driver’s license
  • Vehicle information (including any information regarding extra equipment or security features)
  • Information about your commute and how many miles you drive daily
  • Information on the other drivers in your household

You'll also be asked to answer a few questions to be sure you’re getting the correct coverage and possible discounts. You can either call the company or go online to get a free, no-obligation quote. 

We recommend using this easy tool, or calling our team at (855) 518-0148to compare the best auto insurance quotes in your area:

 
 

Filing A Claim With Farmers Insurance

Farmers’ online services and mobile app allow you to report insurance claims and manage policies on-the-go. Google Play rates the Farmers app at 4.6 stars for usability based on Farmers reviews.

The Farmers Claim Services team is available 24/7 to answer questions or concerns regarding your claim. In the U.S Property Claims Satisfaction Survey, J.D. Power gives Farmers claims servicing three out of five stars. The length of time it takes to handle a claim depends on the claim’s complexity, the severity of damages and/or injuries, and the compliance of the other parties involved.

 


 

Our Farmers Insurance Review: 4.0 Stars

We rated Farmers Insurance 4.0 out of 5.0 stars. Its good selection of coverage options, add-ons, discounts, positive Farmers insurance reviews, and A rating from AM Best make Farmers a good choice for most drivers.

Pros

Cons

Good selection of coverage add-ons

Customer complaints about high premiums

Many discount opportunities for customers with safe driving records

Complaints about roadside assistance availability and rental car options

“A” (Excellent) AM Best Rating

Average customer service 

Highly rated apps 

 
 

 


 

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: 4.5 Stars

Progressive Insurance logo

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: 4.5 Stars

State Farm Insurance logo

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 (855) 518-0148. 

 

 


 

FAQ About Farmers Insurance

Does Farmers auto insurance policies cover car rental?

Yes, Farmers auto insurance policies cover most types of car rentals, such as passenger cars, pickup trucks and SUVs. While driving your rental car, you will receive the same amount and types of coverage that are covered by your personal policy.

Is Farmers a good insurance?

Based on our research, we recommend Farmers insurance as one of our topcar  insurance companies for auto insurance. Learn more about our review standards in our review of the best car insurance providers.

Does Farmers Insurance check your credit score?

Farmers Insurance uses a code developed from and based on your credit report information as one of your Farmers Risk Assessment Indicator when you are applying for a policy. Farmers' underwriters may also use your motor vehicle records, loss reports and/or other information to determine the insurance rates of your auto insurance, renters insurance, or homeowners insurance.

 
 

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