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.
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.
Mark FriedlanderDirector, Corporate Communications, Triple-I
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.
Konstantin HalachevVP of Engineering & Data Science
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.
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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.
Quick Facts
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.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$110/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$241/mo
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.
Pros
Many auto insurance discounts
Robust roadside assistance program
Offers customized equipment coverage add-on
Cons
Lower customer satisfaction scores from J.D. Power
Tends to have higher premiums than some competitorsNot available in every state
They've been taking money from me for nine months and then billed me again, even after I provided proof that I never had two cars.
Stanford - November 12, 2024
Verified
Fair
The price is too much for me.
James - November 11, 2024
Verified
Not a Fan of Farmers Insurance
Farmers Insurance tends to make everything a huge hassle, and they might charge you more if you don't download their app. I wouldn't recommend wasting your time or money with Farmers Insurance.
…
Factor
▲▼
How Farmers Compares
▲▼
Rates
Higher
Customer service
Similar to competitors
Discounts
More than competitors
Availability
Similar to competitors
Financial strength
Similar to competitors
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.
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Farmers Updates
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.
Full-Coverage Rates by Insurance Company
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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:
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.
Gregory - November 12, 2024
Verified
Extremely Poor
They've been taking money from me for nine months and then billed me again, even after I provided proof that I never had two cars.
Stanford - November 12, 2024
Verified
Fair
The price is too much for me.
James - November 11, 2024
Verified
Not a Fan of Farmers Insurance
Farmers Insurance tends to make everything a huge hassle, and they might charge you more if you don't download their app. I wouldn't recommend wasting your time or money with Farmers Insurance.
Peter - November 7, 2024
Verified
Insurance rates are out of control
I was a customer for about five years before I became disabled. I didn't have insurance or a vehicle for two years. When I bought a car and wanted full coverage, they quoted me $300.00 for my used BMW. I've never filed a claim and haven't had any tickets in the last twenty years. That's a third of my income. It's totally ridiculous.
…
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.
Rating
▲▼
Score
▲▼
What This Means
▲▼
AM Best
A
Farmers is a financially strong company.
J.D. Power
878 out of 1,000
Farmers matches the industry average score.
NAIC Complaint Index
1.76
Farmers has slightly more complaints than average for a company of its size.
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:
Liability coverage
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 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 coverage
Comprehensive insurance kicks in to pay for repairs after a non-collision event. Most policies cover damage from wind, fire, theft, and more.
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.
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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 insurancecan 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 $241 per month for full coverage and $110 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.
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.
Mark FriedlanderDirector, Corporate Communications, Triple-I
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.
Konstantin HalachevVP of Engineering & Data Science
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.
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