Farmers Auto Insurance: User Reviews and Quotes (2024)

Farmers tends to offer higher rates. But drivers who value financial strength and qualify for discounts can find a lot of value with this insurer.

7+ years writing insurance and personal finance content

Contributor to top media, including USA Today

A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

Read Editorial Guidelines

Featured in

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

Read Editorial Guidelines

Corporate communications director for Insurance Information Institute

20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Read Editorial Guidelines

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Updated July 10, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

With headquarters in California, Farmers Insurance Group is a major player in the U.S. insurance market. Farmers offers coverage nationwide and has local offices in almost every state. Drivers can appreciate the wide range of discount opportunities available, but if you don’t qualify for any discounts, you might find relatively high rates through this insurer.

The best way to find affordable coverage is to compare quotes, discounts, and customer service. Keep reading to explore the advantages and disadvantages of Farmers insurance to see if it’s the right company for you.

Farmers is the ninth-largest insurance company by market share in the United States.[1]

The company earned a rating of 878 in the 2023 J.D. Power Auto Claims Satisfaction Study.

Farmers holds an AM Best financial strength rating of A (Excellent), which indicates solid financial strength.

How Farmers compares to other insurance companies

Farmers

While Farmers generally has higher rates than competitors, the insurance company offers a wider selection of discounts to drivers. Farmers is on par with its competitors in terms of customer service, availability, and financial strength.

Check out the table below to see how Farmers compares to Allstate, American Family, Liberty Mutual, and Progressive.

Many discounts

Robust roadside assistance program

Lower customer satisfaction

Tends to have higher premiums than some competitors

I'm not satisfied with this company. My payments have significantly increased since I've been with them for less than two years. I'm almost 61 years old, have no accidents and no tickets that were my fault. There's a pothole claim, and almost five years ago, there was a hit and run by a semi and a vandalism report. That's all they've ever paid out, and I'm not happy with how they're treating me.

Used to Be Better and More Affordable

Very Upset

Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.

Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.

Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.

Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.

Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Find Cheap Car Insurance

Check quotes from 100+ top insurance companies

Farmers stopped offering Farmers-branded auto, home, and umbrella insurance policies in Florida in 2023.

How Farmers rates compare to competitors

Farmers offers more expensive rates on average compared to other insurance companies. But with its significant amount of discounts, drivers can still find affordable coverage.

The table below compares Farmers’ full-coverage rates to its competitors.

Average cost of Farmers auto insurance

Farmers offers full-coverage insurance for $251 per month and liability coverage for $113 per month.

The average cost of car insurance varies based on your unique situation. Some factors that affect car insurance premiums include age, driving habits, ZIP code, and vehicle type. For example, people with a clean driving record pay less for insurance than drivers with a speeding ticket or DUI on their record. Teen drivers pay more than senior drivers because of a lack of experience.[2]

The table below shows how various driver profiles affect Farmers’ monthly liability rates compared to the national average.

Farmers car insurance cost by state

Car insurance requirements and prices vary from state to state. The table below highlights the monthly average full-coverage cost compared to Farmers’ full-coverage rates for many of the states the company operates in. 

Keep in mind that your car insurance rates vary based on your driving profile and the amount of coverage you choose.

Farmers car insurance discounts

Many auto insurance companies, including Farmers, offer discount opportunities. The right discounts can reduce your car insurance costs significantly.

Below is a look at some of the discounts available through Farmers:

Alternative fuel

Anti-lock brakes

Anti-theft systems

Automatic payments

Bundling with other insurance products

Daytime running lights

Defensive driver

Distant student

Good payer

Good student

Homeowner

Homing devices

Mature drivers

Multi-car

Paperless statements

Passive restraints

Pay in full

Safe driving

Shared family car

Signal telematics program

VIN etching

Youthful driver

How customers feel about Farmers

Since Farmers is a large insurance company, it’s not surprising that customers have a range of experiences with the insurer. Some customers enjoy their experience, but others aren’t as satisfied. While you can find some positive Farmers insurance reviews, overall, Farmers has negative reviews on Trustpilot.

Farmers has an A+ rating from the Better Business Bureau (BBB) but 1.12 out of 5 stars with more than 400 reviews. Reviews cite frustrations with payments and customer service.

Farmers also has an NAIC Complaint Index rating of 1.76, which is slightly higher than average for a company of its size.[3]

Farmers customer reviews

Honest reviews from Farmers insurance customers offer a glimpse into what it’s like to work with the company. Depending on what you find, you might decide to move forward or not.

Below is a look at feedback from real users.

I'm not satisfied with this company. My payments have significantly increased since I've been with them for less than two years. I'm almost 61 years old, have no accidents and no tickets that were my fault. There's a pothole claim, and almost five years ago, there was a hit and run by a semi and a vandalism report. That's all they've ever paid out, and I'm not happy with how they're treating me.

Used to Be Better and More Affordable

Very Upset

Don't Use Farmers

Farmers ratings

As you explore your insurance options, independent ratings from third-party organizations can give you more information about a particular insurer. AM Best rates financial strength, J.D. Power rates customer claim satisfaction, and the NAIC rates the number of complaints.

The table below highlights some of the critical ratings available for Farmers insurance.

Farmers car insurance coverage options

Farmers offers a wide range of insurance options, starting with the standard state-minimum required coverage. A minimum-coverage policy often includes only liability coverage. But a full-coverage auto insurance policy also includes collision and comprehensive coverage.

Below is a look at some of the coverage options available:

After you cause an accident, liability insurance kicks in to help you pay for damage to other vehicles and the medical bills of the other drivers. But it won’t pay to replace your vehicle or cover your own medical expenses. Liability coverage is usually more affordable than full coverage.

Collision insurance helps pay to repair or replace your vehicle after an accident. It covers collisions with vehicles and other objects, like trees and fences, regardless of fault.

Comprehensive insurance kicks in to pay for repairs after a non-collision event. Most policies cover damage from wind, fire, theft, and more.

If someone without enough insurance hits your car, an uninsured/underinsured motorist policy helps you get back on the road.

If you suffer an injury in an accident, PIP insurance covers the cost of rehabilitation and lost wages. This coverage isn’t available in every state.

Compare Auto Insurance Rates

Get real-time quotes from 100+ companies, including Farmers

Other options for Farmers customers

In addition to auto insurance, Farmers offers customers policies for other important things in their lives, including:

Homeowners insurance: Homeowners can protect their property and assets through Farmers home insurance.

Renters insurance: Renters insurance can protect your personal property if you’re in a rental.

Life insurance: Farmers offers different types of life insurance policies, including term life and whole life policies.

Insurance for recreational vehicles: Beyond auto insurance, you can purchase motorcycle insurance, ATV insurance, RV insurance, boat insurance, and collectible auto insurance.

How Farmers Signal works

Farmers Signal is a mobile app designed to monitor your driving behavior. The telematics app tracks metrics such as your braking habits, speed, and phone use.

The savings start when you sign up to use the Signal by Farmers app. If you practice safe driving habits, using the Signal app could lead to lower premiums at renewal. But if you display risky driving behaviors, then your premiums could increase upon renewal.

Farmers insurance FAQs

If you have questions about Farmers insurance, check out the additional information below.

Is Farmers legitimate?

Yes. Farmers has an AM Best financial strength rating of A (Excellent) and high ratings from J.D. Power. This longtime insurer has nearly a century of experience and might be a good choice for your auto insurance needs.

What is the average cost of Farmers car insurance?

Farmers insurance costs an average of $251 per month for full coverage and $113 per month for liability-only coverage.

What company owns Farmers Insurance?

Farmers is owned by Zurich Insurance Group, a Swiss insurance company with multiple large subsidiaries worldwide.

Is Farmers good at paying claims?

Farmers has a strong claims-paying record, with an above-average score of 878 in the J.D. Power 2023 Claims Satisfaction Survey. Farmers also earned an A (Excellent) grade from AM Best, indicating excellent financial strength and the ability to pay insurance claims.

How do you cancel your Farmers insurance policy?

Canceling your Farmers insurance policy starts by contacting your agent. If you don’t have an agent, you can text the customer service line at 1 (855) 922-3025 or call 1 (888) 327-6335.

Sources

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

Read Editorial Guidelines

Corporate communications director for Insurance Information Institute

20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Read Editorial Guidelines

7+ years experience in data analysis

Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

Compare Car Insurance Quotes Instantly

Latest Articles

Average Cost of Car Insurance (July 2024)

The cost of car insurance varies depending on several factors, including your driving record, age, gender, and more.

How to Get a Texas Driver’s License: A Step-by-Step Guide

To become a licensed driver in Texas, you must pass a three-part test. You might also need to take driver’s ed courses depending on your age.

Compare Car Insurance Rates All in One Place (July 2024)

Insurify is a digital insurance agent that lets you compare car insurance rates from GEICO, Allstate, Progressive and 100+ more.

Shopping for Car Insurance: How to Get Coverage in 7 Easy Steps

If you’re in the market for car insurance, follow these 7 steps to shop for coverage and find the best and cheapest policy for your situation.

What Happens if You Drive Without Insurance?

Driving without insurance may seem like a good way to save money, but here are the consequences you could face.

Average Car Insurance Rates by Age and Gender

Did you know your age and gender can affect how much you pay for car insurance? Younger drivers typically pay the highest insurance rates.