Farmers auto insurance coverage
Farmers Insurance offers a wide array of coverage options. Here are the different coverages you can add to your Farmers auto insurance policy:[2]

Liability
Liability covers medical bills and repair costs for others in accidents where you’re at fault. All 50 states require liability coverage to varying degrees, which makes it a must-have for any driver.

Collision
Collision covers the cost of repairs to your vehicle in accidents where you’re at fault. Repairing your car after a crash can be costly, which is why many drivers protect themselves with collision insurance. If you total your car, Farmers will pay you the actual cash value of your car.

Comprehensive
Comprehensive covers damage to your vehicle that isn’t collision-related, such as from wind, hail, fire, and theft. Comprehensive coverage is particularly useful for drivers who live in extreme climates or high-crime areas and want to be covered when the unexpected occurs.

Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage covers any losses from an accident caused by a motorist without sufficient insurance coverage. Many states require uninsured motorist coverage, though minimum coverage amounts vary.

Medical payments
Medical payments covers the medical bills for you or others in your car at the time of an accident. Medical payments insurance covers you regardless of who was at fault, which makes it a useful form of coverage to have.

Personal injury protection (PIP)
Personal injury protection (PIP) covers the cost of rehabilitation and lost wages after an accident. These costs can add up after an accident, which makes robust PIP a good idea for many motorists. Some states require this coverage.

Rental car reimbursement
Rental car reimbursement covers the cost of a rental car for up to 30 days while your car is in the shop for repairs. Rental car fees went up by 14% in 2022, which is why it’s useful to purchase a policy that will reduce those costs.
How to get a car insurance quote from Farmers
Getting car insurance quotes from several different companies is a great way to find an affordable policy. Follow these simple steps to receive a quote from Farmers:
Visit the Farmers website. Just enter your ZIP code, and click “Get a Quote” to start the online quote process. You can also call Farmers Insurance at 1-800-665-5108 to get a quote over the phone.
Provide personal information. Farmers will need to know what kind of car you drive, your typical commute and driving habits, and how many cars you’re looking to insure. Providing clear information can help your agent figure out if you qualify for discounts.
Have the necessary documents on hand. Be ready to provide your license plate number, driver’s license number, vehicle identification number (VIN), odometer reading, vehicle purchase date, and current insurance information.
Farmers car insurance cost by state
Car insurance requirements and prices vary depending on where you’re buying your policy. The table below shows the average monthly rate of full-coverage and liability-only car insurance from Farmers across several states. As you can see, rates differ significantly from state to state. For instance, drivers in California pay $215 more for Farmers full-coverage auto insurance than drivers in Indiana.
Actual quotes may vary based on the policy buyer's unique driver profile.
Farmers auto insurance rates by driving history
Your driving history affects how much you pay for car insurance. Car insurance companies may increase your rates if your driving record includes moving violations or at-fault accidents. The table below shows how Farmers customers with tickets, at-fault accidents, and DUIs have higher rates for full-coverage and liability-only insurance than drivers with clean records.
Quote Price by Driving Record
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.
Farmers car insurance cost by age
Farmers Insurance considers your age when determining your car insurance rates. Young drivers pay the most for car insurance, while older drivers have the lowest rates. The Centers for Disease Control and Prevention found that the risk of car accidents is higher among teen drivers, which explains why they pay the most on average.[3]
The table below shows how the average rate from Farmers changes based on age. Averages below are based on both full-coverage and liability-only policies.
Quote Price by Age Group
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.
See Also: Compare Car Insurance by Age and Gender
Farmers car insurance discounts
Car insurance companies offer discounts to help customers reduce insurance costs. Here are Farmers’ car insurance discounts:[4]
Good student discount: Full-time students between the ages of 16 and 24 who maintain grades over a B or who make the honor roll (or equivalent academic distinctions) can earn a good student discount.
Multi-car discount: Drivers with two or more cars insured with Farmers can qualify for this discount, which is useful for families who might have multiple family members on their policy.
Safe driver discount: Drivers in select states with consistently clean driving records can qualify for a safe driver discount. Contact your Farmers Insurance agent to learn if this discount is available in your state.
Senior defensive driver discount: Drivers over the age of 65 (or 55 in some states) who complete a defensive driving course can qualify for this discount. Submit your certificate of completion to your insurance agent to receive your discount.
Anti-theft discount: Drivers who equip their cars with anti-theft protection devices can save on car insurance. Note that the device must be self-activating upon locking your vehicle’s door.
Alternative fuel discount: Farmers will reduce your rate by up to 5% if you drive a hybrid car.
Bundling discounts: Drivers who also have a homeowners insurance policy or life insurance policy with Farmers can bundle these policies and save.
Electronic funds transfer discount: Farmers will offer you a discount when you pay your premiums electronically.
ePolicy discount: Customers who set up electronic document delivery can unlock a small discount.
Paid-in-full discount: Farmers customers who pay their insurance bills in full and in advance can qualify for this discount.
Note that these discounts vary by state. Talk to your Farmers Insurance agent to see if you qualify. Your agent will ask for several documents to confirm your policy terms, which can be submitted through Farmers eSignature, the company’s online portal.
Check Out: Car Insurance Discount Guide
Farmers Insurance bundling options
Bundling auto and home insurance is one of the most common ways drivers reduce their insurance rates. Farmers offers generous bundling options, which save customers an average of 20% on their car insurance rates. Below are the bundling discounts that Farmers offers:
Auto/home discount
Auto/renters discount
Auto/life discount
Auto/umbrella discount
Many policyholders find that bundling their policies also streamlines the insurance process. Paying bills and filing claims with one provider can make your life easier, in addition to reducing your rates.