Farmers has been offering insurance products since 1928, but is the insurer the right choice to protect your vehicle? In this review, our team takes a closer look at Farmers insurance reviews, coverage options, average rates, and more to see how it compares to the industry’s best car insurance companies.

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In This Review:

    Farmers Car Insurance Cost And Discounts

    Based on our rate estimates, full coverage auto insurance from Farmers costs about $2,032 per year. The insurer’s average cost is 17 percent higher than the national average, which is $1,732 per year for a full coverage policy.

    To give you a better idea of what you may pay with the provider, the table below highlights the average cost in a number of states where Farmers auto insurance is available. These estimates are based on a 35-year-old driver with a clean driving record and good credit.

    State

    Annual Rate Estimate

    State

    Annual Rate Estimate

    Alabama

    $2,195

    Arizona

    $2,064

    Arkansas

    $1,487

    California

    $2,963

    Colorado

    $2,508

    Florida

    $3,715

    Hawaii

    $1,464

    Idaho

    $1,579

    Illinois

    $2,067

    Kansas

    $1,854

    Minnesota

    $1,709

    Missouri

    $2,164

    Montana

    $2,294

    Nebraska

    $1,920

    Nevada

    $3,135

    New Jersey

    $3,084

    New Mexico

    $1,828

    North Dakota

    $1,465

    Oklahoma

    $1,830

    Oregon

    $1,872

    South Dakota

    $1,860

    Tennessee

    $1,518

    Texas

    $1,278

    Utah

    $2,116

    Washington

    $1,353

    Wyoming

    $1,522

    *Farmers auto insurance cost information not available for all states.

    It’s important to note that these are estimates and the rates you receive will vary. The best way to determine how much you’ll pay is to get a personalized car insurance quote. There are multiple factors that commonly affect the cost of insurance, which include:

    • Age
    • Driving history
    • Credit score
    • Gender
    • Location
    • Annual mileage
    • Marital status
    • Type of vehicle

    Farmers Auto Insurance Discounts

    Farmers insurance reviews mention the company’s range of discounts that can help make your auto insurance policy as affordable as possible. Farmers auto policy discounts include:

    Multiline

    Get a multi-policy discount when you bundle at least one additional Farmers policy with your auto insurance, such as a homeowners insurance policy.

    Multicar

    Save money when you insure more than one vehicle with Farmers.

    Affinity

    Receive a discount if you’re part of certain businesses or organizations or if you’re a military member.

    ePolicy

    Save on your premium by enrolling in ePolicy.

    Good Payer

    Get a discount if you have no billing late fees within the last 12 months (not available in California).

    Safe Driver

    Receive a discount if you have zero bodily injury points on your policy.

    Distant Student

    This discount is available if you have a student who goes to school at least 100 miles away and doesn’t regularly use the covered vehicle.

    Good Student

    This discount is offered to students with a 3.0 GPA or higher, those on the Dean’s list or honor roll, or students in the top 20 percent of their class.

    Shared Family Car

    Get a discount if you have more active drivers than vehicles in your household (not available in California).

    Mature/Defensive/Senior Driver

    Receive a discount if you’re over 55 and you’ve completed state-approved safe driving training in the last three years (not available in all states).

    Homeowner

    Save money on your auto policy if you’re a homeowner.

    EFT

    This discount is offered to those who use automatic monthly payments to pay their policy bill.

    Pay In Full

    Get a discount when you pay your premium in full at the start of the policy term.

    Homing Device

    Receive a discount if you have a device installed to your vehicle that can track and locate your car if stolen (system must be approved by Farmers).

    VIN Etching

    Get a discount if you have your vehicle identification number (VIN) etched on glass and other surfaces. This discount is not offered in all states.

    Farmers has discounts for some additional vehicle safety features as well, such as antilock brakes, anti-theft devices, daytime running lights, airbags, and automatic seatbelts. However, these discounts are not available in all states.

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    Farmers Auto Insurance Coverage

    Farmers offers the six standard types of coverage:

    Liability

    Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.

    Collision

    Collision coverage pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or if you flip your vehicle.

    Comprehensive

    Comprehensive coverage pays for damages to your own vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.

    Medical Payments

    Medical payments (MedPay) covers medical bills for you and your passengers after an accident.

    Personal Injury Protection

    Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.

    Uninsured/Underinsured Motorist

    Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

    Additional Farmers Insurance Coverage Options

    The company offers a range of add-on coverage options, which include:

    Rideshare Insurance

    Coverage for Uber and Lyft drivers

    Towing and Roadside Assistance

    Provides services for towing, lockouts, jump-starts, and fluid delivery

    Loss of Use

    Covers a certain amount of transportation costs while your car is repaired

    Guaranteed Value™

    Pays an agreed-upon value if your car is a total loss

    Customized Equipment

    Covers cost to repair/replace aftermarket equipment

    Personal Umbrella

    Additional liability coverage to protect your assets from lawsuits

    Glass Deductible Buyback

    Covers repair/replacement of windshield and glass ($100 deductible)

    Full Windshield and Glass Coverage

    $0 deductible on glass repair/replacement

    Spare Parts Coverage

    Covers cost to replace spare parts up to $750

    Original Equipment Manufacturer (OEM)

    Covers cost of using factory-original parts

    New Car Replacement Coverage

    Covers the cost to replace your car with a new one of the same make/model

    Accident Forgiveness

    Forgiveness of one at-fault accident every three years

    Farmers Insurance Mobile App

    Using the Farmers mobile app, you can pay your policy bill, access your auto insurance ID card, start a claim, and more. The app is highly rated with a 4.8 out of 5.0-star rating on the App Store and a 4.7-star rating on Google Play.

    Farmers Usage-Based Insurance

    Farmers offers usage-based insurance through its Signal® program. The Signal app offers Farmers customers the opportunity to earn an initial five percent discount for safe driving. You can then save 15 percent each time your policy renews as well as another 10 percent for enrolling drivers under 25 in your household.

    To enroll in the Signal program, call your Farmers agent. They can text you a link to download the Signal app so you can get started. The Signal usage-based insurance program is available in all states except Louisiana, Massachusetts, Mississippi, Missouri, and Oregon.

    Farmers Insurance Reviews

    Better Business Bureau (BBB) rating: A-
    BBB complaints in the past three years: 713
    J.D. Power customer satisfaction index: 893 / 1,000
    Trustpilot rating: 2.6 / 5.0

    With an A- rating from both the BBB and AM Best, the company has a sound industry reputation. However, Farmers insurance reviews from customers tend to be mixed. The insurer has a 2.6-star consumer rating on Trustpilot and a 1.4-star rating from customers on the BBB. It is important to note that neither site has a large number of reviews for the provider, so this is not representative of all Farmers policyholders.

    On the other hand, Farmers performed well in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠, highlighting its positive insurance claims experience. Farmers ranked fifth overall and scored 893 out of 1,000 points, which is above the industry average.

    Positive Farmers Insurance Reviews

    “I just switched my home, auto, motorcycle, and horse trailer [insurance] to Farmers. [The customer service representative] patiently reviewed my current coverage, took away things I didn’t need, and [added] things I should have. So professional and [Farmers] truly cares about you as an individual.”
    – Kat T. via Trustpilot

    “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

    “After being pressured to take my truck to their ‘preferred’ body shop, I’m still waiting and it’s been five weeks. A repair that should have taken one week, ten [days] at most, has dragged on for over a month with no end in sight.”
    – Anthony A. via BBB

    “It’s impossible to get anyone on the phone after filing a claim. I [had] to leave 4 to 5 voicemails before anyone would call back.”
    – Jade D. via BBB

    Farmers Insurance Rating: 4.0 Out Of 5.0

    We rate Farmers 4.0 out of 5.0 stars. Its comprehensive car insurance coverage, nationwide availability, positive Farmers insurance reviews, and A- financial strength rating from AM Best make it a smart choice for many drivers looking to insure their vehicle. However, you may be able to find more affordable rates from another top insurer.

    Cost

    3.5

    Coverage

    4.0

    Reliability

    4.0

    Service

    4.0

    Overall Rating

    4.0

    About Farmers Insurance

    Founded: 1928
    Parent company: Zurich Insurance Group
    States available: All states
    AM Best financial strength rating: A-

    For nearly 100 years, Farmers Insurance Group has been providing top-rated insurance coverage to customers. Today, Farmers offers coverage nationwide through its network of over 48,000 local agents. Insurance products offered through Farmers include:

    • Auto insurance
    • Homeowners insurance
    • Renters insurance
    • Landlord and rental properties insurance
    • Life insurance
    • Business insurance
    • Motorcycle insurance
    • Recreational insurance
    • Umbrella insurance

    Other Recommendations For Car Insurance

    When you’re searching for the best and cheapest car insurance that will fit your needs, it’s best to get quotes from multiple providers before making a final decision. We recommend reaching out to Geico and USAA to find quality coverage at the best rates.

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    Answer a few simple questions to save money on your policy

    Geico: Best Overall Provider

    Our review team named Geico the Best Overall Provider in 2021. As the second-largest insurer in the U.S., Geico has a standout industry reputation and a strong history of customer satisfaction. Geico has an A++ AM Best financial strength rating, highlighting its ability to reliably meet claims obligations, as well as an A+ BBB rating.

    The insurer is known for offering some of the lowest average car insurance rates for many drivers along with a wide range of discount opportunities. It also offers usage-based insurance through its DriveEasy program, which can help safe drivers save on their premiums.

    Read our Geico insurance review to learn more about the provider.

    USAA: Best For Military Members

    While USAA is only available to military members, veterans, and their families, it’s a great option for those who qualify. USAA consistently offers some of the most affordable rates nationwide and is known for offering quality auto insurance coverage.

    USAA holds an A+ rating from the BBB and an A++ AM Best financial strength rating. The company also frequently receives high scores in J.D. Power customer satisfaction studies.

    For more information, check out our USAA insurance review.

    Frequently Asked Questions

    How We Rate Insurers

    Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

    • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
    • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
    • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
    • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

    *Data accurate at time of publication.