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Farmers Insurance Group is the seventh-largest car insurance provider in the U.S. by market share and is one of the first companies you’ll find when you search for car insurance carriers. People have trusted Farmers for nearly a century, earning the company high marks from J.D. Power and AM Best.
We’ll explore Farmers Insurance in this article, including coverage options, discounts, average costs, and user reviews. Drivers have plenty of choices when it comes to car insurance. Read on to learn whether a Farmers auto insurance policy is the best option for your needs.
The average cost of full-coverage car insurance with Farmers is $317 per month.
Farmers offers several discounts, including a good student discount.
Drivers who value financial strength should consider Farmers, while drivers who prioritize affordability may want to think twice about choosing Farmers.
What is Farmers car insurance?
Farmers has provided quality insurance products since 1928. The company started as a small family provider with a customer base of rural farmers. Nearly a century later, the company has grown into a major national insurer with more than 19 million policies written across all 50 states and Washington, D.C.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
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.
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.
The ninth-largest property/casualty insurer in the U.S. by market share, Farmers has been in business for 95 years. The company offers nearly 30 different types of insurance, including auto, home, renters, flood, earthquake, life, and business insurance. Farmers offers numerous discounts, including for multiple cars, safe driving, anti-theft equipment, and bundling. Swiss insurer Zurich Insurance owns Farmers. With an A (Excellent) rating from AM Best for financial stability, Farmers has mixed online reviews from customers. Farmers also has about four times as many complaints as the industry norm for its size in the National Association of Insurance Commissioners Customer Complaint Index.
Robust roadside assistance program
Lower customer satisfaction
Tends to have higher premiums than some competitors
Very patient with me and took the time to go over all my questions
Lamar - January 30, 2023
They charge almost $100 a month for liability only and it just went up from a year ago. I’m a senior with no accidents, no tickets, great credit, and under 3,000 miles a year.
CHARLES - January 29, 2023
Our agent is great, but Farmers keeps raising rates.
Insurance companies like Farmers protect policyholders’ assets by assuming financial risk in exchange for monthly premiums. A car is an expensive asset, and drivers risk damaging that asset every time they hit the road. Farmers Insurance reduces those risks by collecting monthly auto insurance payments in exchange for paying claims for covered losses after an accident.
Farmers Insurance collects premiums for home, auto, and life insurance. Farmers doesn’t offer health insurance policies.
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:
Liability covers medical bills and repair costs for others in accidents where you’re at fault. Forty-nine states and Washington, D.C. require liability coverage to varying degrees, which makes it a must-have for any driver.
Collision covers the cost of repairs to your vehicle in accidents where you’re at fault. This can include another vehicle, or an object such as a tree, fence, or light pole. 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 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. It can also pay claims in cases of hit-and-run accidents. Many states require uninsured motorist coverage, though minimum coverage amounts vary. And some states allow drivers to opt out of the required UI/UIM coverage.
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% on average across the U.S. in 2022, which is why it’s useful to purchase coverage 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 accurate 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.
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
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.
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.
Farmers car insurance discounts
Car insurance companies offer discounts to help customers reduce insurance costs. Here are Farmers’ car insurance discounts:
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.
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.
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:
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.
Farmers Insurance reviews and ratings
Farmers is one of the largest car insurance companies in the country and offers a wide range of insurance products. AM Best rates Farmers an A (Excellent) for its financial strength, and J.D. Power gave Farmers a rating of 884 in its claims satisfaction survey, which was the third-highest of any car insurance company.
Farmers customer reviews
Customer reviews paint a mixed picture of Farmers car insurance, with some policyholders complaining about poor communication when dealing with Farmers insurance agents:
Another customer describes the great customer service he received with Farmers after a bad accident totaled his car:
In another Farmers insurance review, a policyholder praises Farmers’ prompt claim reimbursement:
Below are Farmers ratings at several different customer review websites:
Sitejabber: 2.86 out of 5 stars
Trustpilot: 1.8 out of 5 stars
NAIC Complaint Index: Higher than average
Farmers vs. other insurance providers
The car insurance market is extremely competitive. You have plenty of options, so you need to compare prices and auto insurance coverage options before settling on a provider.
Farmers vs. Allstate
Allstate is the fourth-largest auto insurance company in the U.S. by market share and offers the popular Drivewise telematics program, which rewards drivers for safe driving. The national average monthly rate for full-coverage Allstate car insurance is significantly cheaper than Farmers, at $212.
Farmers vs. Progressive
Progressive is the second-largest auto insurance company in the U.S. by market share. Progressive offers many discounts, but unlike Farmers, it doesn’t offer an anti-theft discount. The national average monthly rate for full-coverage Progressive car insurance is $238, which is $79 less than Farmers.
Farmers vs. State Farm
State Farm is the largest auto insurance company in the U.S. by market share and is significantly cheaper than Farmers, with a national average monthly rate of $175 — which is $142 cheaper than Farmers. Additionally, State Farm drivers with DUIs or tickets on their driving record pay much less than similar high-risk drivers at Farmers.
More about Farmers Insurance
Farmers Group has several divisions, including Bristol West Insurance, Foremost Insurance, and 21st Century Insurance. J.D. Power has recognized Farmers Insurance for “Call Center Customer Satisfaction Excellence” three times.
Who owns Farmers Insurance?
Zurich Insurance is Farmers’ parent company, which is based in Switzerland. Similar to most national insurers, Farmers operates several underwriting companies, including:
Farmers Property and Casualty Insurance Company
Farmers Casualty Insurance Company
Farmers Group Property and Casualty Insurance Company
Farmers Direct Property and Casualty Insurance Company
Farmers Lloyds Insurance Company of Texas
Economy Preferred Insurance Company
Economy Fire & Casualty Insurance Company
Farmers pros and cons
High claims satisfaction ratings
Robust roadside assistance
Offers several discounts
High financial strength ratings
High monthly premiums
Mixed customer reviews
No gap coverage
No longer offers coverage in Florida (but member companies Foremost and Bristol West still operate there)
Filing an auto insurance claim with Farmers
An auto insurance claim is a request for reimbursement from your insurer that you file after a covered loss, such as a car accident. Follow these steps to file a claim with Farmers:
Start the claims process by visiting the Farmers website, by calling 1-800-435-7764, which is available 24/7 for claims services, or through the company's mobile app. Have your policy number on hand.
Farmers will assign an adjuster to process your claim.
Decide whether you want to repair your car using a repair shop in the Farmers network or an out-of-network repair shop.
Manage your claim online through the Farmers website or on the Farmers mobile app. You can upload any necessary documents and check the status of your claim at any time.
Other Farmers Insurance products
Farmers offers several other insurance products, including:
Homeowners insurance: This covers the cost of repairs to your home and belongings in the event of an unexpected disaster, such as a fire or destructive weather.
Renters insurance: This covers any personal belongings in your rented apartment or home that are damaged or stolen.
Life insurance: This covers the financial burden on your family if you or a spouse passes away, including term life, whole life, and universal life insurance.
Business insurance: This covers you for the financial risks that come with owning a business, including property coverage, liability coverage, business interruption, and more.
How to reduce your car insurance costs
You have many options when it comes to reducing insurance costs:
Improve your credit rating. In many states, car insurers can use your credit history to generate your credit-based insurance score, which predicts your likelihood of filing a claim. Generally, drivers with good credit earn lower premiums than those with poor credit.
Bundle policies. Purchasing home and auto policies from the same insurer will unlock discounts at most insurance companies, including Farmers.
Choose the right car. Newer cars tend to be more expensive to insure, as are certain makes and models.
Practice safe driving. Drivers with clean driving records pay lower premiums on average. Plus, enrolling in a defensive driving course can lead to discounts.
Raise your deductible. A higher deductible means you’ll pay more out of pocket in the event of a covered loss — but it’ll also reduce your monthly premiums.
“There’s no substitute for shopping multiple car insurers and comparing quotes for the same types and coverage amounts,” says financial expert Laura Adams. “Be sure your rate includes every discount you qualify for, such as bundling multiple policies.”
Farmers Insurance FAQs
Here are answers to some commonly asked questions about Farmers car insurance.
Is Farmers legitimate?
Yes. Farmers carries an A (Excellent) financial strength rating from AM Best, and has high ratings from J.D. Power and Associates. This longtime insurance provider has nearly a century of experience, and is one of the most popular insurance companies in the country.
Is Farmers car insurance worth it?
Farmers has an Insurify Quality Score of 3.7 (out of 100), which is higher than other major national insurance providers like Liberty Mutual and Progressive. While dependable, Farmers' average premium is more expensive than other companies, such as State Farm, Progressive, and Allstate.
What is the average cost of Farmers car insurance?
Farmers car insurance costs an average of $317 per month for full coverage. Farmers customers who opt for liability-only coverage pay $218 per month on average.
Is Farmers good at paying claims?
Farmers has a strong claims-paying record, ranking third in the J.D. Power 2022 claims satisfaction survey, with a score of 884. Farmers also earned an A (Excellent) grade from AM Best, indicating excellent financial strength and an ability to pay insurance claims.
What is Farmers’ overall customer satisfaction?
Unfortunately, some customers had negative customer service experiences with Farmers auto insurance. Farmers customers give it 1.36 stars out of 5 on the Better Business Bureau website. Look for reviews of specific agents in your area, and ask friends with policies at Farmers about their experiences.
Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.