Foremost Auto Insurance: User Reviews and Quotes (2026)
Foremost offers a variety of specialized coverages and serves a broad range of customers, including both good and high-risk drivers.
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4.7 / 517K reviews
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Writer: Mark Vallet
Writer: Mark Vallet
Mark is a freelance journalist and analyst with more than 15 years of experience covering the insurance industry. He has extensive experience creating and editing content on a variety of subjects with deep expertise in insurance and automotive writing.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
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.
Updated
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Foremost is a subsidiary of Farmers Insurance Group, focusing on customizable insurance policies. Foremost policyholders pay an average of $118 per month for liability coverage and $274 for full coverage. These rates compare to the national monthly averages of $98 for liability coverage and $187 for full coverage.
The company has an Insurify Quality (IQ) Score of 7.4 out of 10.
As you begin shopping for coverage, remember to always compare quotes from multiple insurers to find the best coverage for your needs.
Here’s what you need to know about Foremost insurance coverage options and cost.
Quick Facts
Foremost offers standard auto insurance as well as add-ons like new-vehicle replacement, diminishing deductible, and rideshare coverage.
The national average cost of full-coverage car insurance from Foremost is $274 per month.
More than 38,000 agents nationwide represent Foremost, and coverage is available in all 50 states plus Washington, D.C.
How Foremost compares to other insurance companies
| User Reviews | 3.7 |
|---|
3.7
A solid optionBased on 31 verified driver reviews and ratings
Foremost's score | Industry average | |
|---|---|---|
| Coverage options | 3.5 | 3.2 |
| Customer service | 2.8 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.2 | 2.9 |
How drivers feel about Foremost
Drivers appreciate the professional interactions but dislike the unexpected rate increases and inadequate coverage. Issues with customer service and claim handling are also common.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviews
Verified Review
Reviewed in Texas on May 31, 2026
Way overpriced for basic liability. I think it's a rip-off.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Foremost is a member of Farmers Insurance Group and operates in all 50 states. Foremost offers car insurance through its partnership with Bristol West and also sells home insurance, classic car coverage, motorcycle insurance, RV insurance, and more. Foremost also offers add-ons like vanishing deductible and new vehicle replacement coverage. Thanks to Foremost’s range of insurance products, policyholders can bundle multiple policies for a discount. Drivers can also get discounts for insuring multiple cars, choosing paperless billing, and more.
Pros
Covers a wide variety of vehicles
Coverage available for broad range of driver profiles, including high-risk drivers
Offers rideshare coverage
Cons
Must contact an agent to get a quote or buy a policy
Average rates tend to be slightly higher than national rates
Information online can be limited, particularly regarding available discounts
Foremost offers customized car insurance policies for individuals and families. Drivers can purchase optional protections like uninsured motorist coverage, rental reimbursement, medical payments, towing and roadside service, and more.
You can also add specialty coverages like new-vehicle replacement, diminishing deductible, and rideshare coverage.
Foremost’s average rate for full coverage is $274 per month, while liability averages $118 per month, according to Insurify data. The national averages for full and liability coverage are $187 and $98, respectively.
The company also has an IQ Score of 7.4, compared to a score of 8.5 for its parent company, Farmers.
Factor | How Foremost Compares |
|---|---|
| Rates | Higher than competitors |
| Customer service | Better than competitors |
| Discounts | Fewer than competitors |
| Availability | Less than competitors |
| Financial strength | Similar to competitors |
How Insurify rates insurance companies
Our editorial team spent 350 hours developing the IQ (Insurify Quality) 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 United States, 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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How Foremost rates compare to competitors
Foremost has similar average full-coverage rates to other national insurance companies, like Liberty Mutual and Bristol West, but higher rates than insurers like GEICO and State Farm, according to Insurify data.
You can see how average full-coverage quotes from other insurers compare to Foremost below.
The below national rates are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev)
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Average Liability Quotes by Insurance Company
Insurance Company | Average Liability Quotes by Insurance Company |
|---|---|
| State Farm | $53 |
| Progressive | $78 |
| GEICO | $79 |
| Dairyland | $101 |
| Bristol West | $106 |
| Amica | $230 |
Average cost of Foremost auto insurance
Full-coverage insurance from Foremost costs an average of $274 per month, while liability coverage averages $118 per month, according to Insurify data. This puts Foremost’s full-coverage rate slightly higher than average when measured against 32 other national carriers. Its liability rates are right at the median mark. Remember, the price you pay for car insurance will vary depending on your unique circumstances.
You can see how average quotes vary by age and driving record below.
Driver Type | Foremost Average Monthly Quote | National Average |
|---|---|---|
| Drivers with a clean record | $118 | $98 |
| Drivers with a speeding ticket | $163 | $127 |
| Drivers with an at-fault car accident | $168 | $131 |
| Drivers with a DUI | $192 | $140 |
| Teen drivers | $224 | $184 |
| Senior drivers | $92 | $85 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Foremost car insurance cost by state
The state you live in will affect the cost of car insurance. Insurers consider state-specific factors, such as crime rates, severe weather, fire threats, population, road infrastructure, climate, and state insurance requirements when determining premiums. This means that average rates can vary dramatically between states.
Average car insurance premiums from Foremost generally cost more than the state average. You can compare average liability-only premiums below.
State | Foremost Average Monthly Quote | State Average |
|---|---|---|
| Alabama | $87 | $66 |
| Alaska | N/A | N/A |
| Arizona | $199 | $91 |
| Arkansas | N/A | $74 |
| California | N/A | $97 |
| Colorado | $115 | $97 |
| Connecticut | $417 | $162 |
| Delaware | N/A | $166 |
| Florida | $151 | $142 |
| Georgia | $452 | $156 |
| Hawaii | N/A | $62 |
| Idaho | $86 | $64 |
| Illinois | $112 | $83 |
| Indiana | $134 | $65 |
| Iowa | $89 | $56 |
| Kansas | N/A | $79 |
| Kentucky | N/A | $121 |
| Louisiana | N/A | $107 |
| Maine | $92 | $74 |
| Maryland | N/A | $192 |
| Massachusetts | N/A | $103 |
| Michigan | N/A | $130 |
| Minnesota | N/A | $93 |
| Mississippi | $112 | $89 |
| Missouri | $135 | $92 |
| Montana | N/A | $62 |
| Nebraska | $103 | $69 |
| Nevada | N/A | $163 |
| New Hampshire | N/A | $52 |
| New Jersey | $140 | $182 |
| New Mexico | $100 | $65 |
| New York | N/A | $145 |
| North Carolina | N/A | $69 |
| North Dakota | N/A | $66 |
| Ohio | $143 | $64 |
| Oklahoma | $138 | $83 |
| Oregon | N/A | $91 |
| Pennsylvania | $97 | $90 |
| Rhode Island | N/A | $177 |
| South Carolina | N/A | $159 |
| South Dakota | N/A | $62 |
| Tennessee | $178 | $60 |
| Texas | $222 | $110 |
| Utah | N/A | $93 |
| Vermont | N/A | $58 |
| Virginia | N/A | $117 |
| Washington | $118 | $95 |
| Washington, D.C. | N/A | $143 |
| West Virginia | $97 | $82 |
| Wisconsin | $121 | $57 |
| Wyoming | N/A | $50 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Foremost car insurance discounts
Always compare available discounts when shopping for a new insurer, and look for discounts that work for your specific risk profile. Foremost offers a few discounts that can help lower your premium.
Foremost advertises the following auto insurance discounts on its website:
Go paperless: You can save by signing up to receive policy and billing documents in your email inbox rather than in the mail.
Multi-car: This discount rewards you for insuring two or more vehicles with Foremost.
Multi-policy: If you have other insurance policies with Foremost, Bristol West, or another Farmers company, you may qualify for a bundling discount.[1]
Contact your insurance agent to request a discount review to determine what discounts Foremost offers and what you qualify for.
How customers feel about Foremost
Foremost has mixed reviews from customers online. The company isn’t included in many industry rankings or J.D. Power studies.[2] It does have an A (Excellent) financial strength rating from AM Best, meaning it has a strong ability to pay claims. Foremost has fewer customer complaints than expected for an insurer of its size, according to the National Association of Insurance Commissioners.
The company also has an A- rating from the Better Business Bureau.
Foremost customer reviews
Like most insurance companies, Foremost has a mix of positive and negative reviews. Some Foremost customers have left positive reviews about their customer service experience with the company, while others found Foremost difficult to deal with.
Here is what real, verified Foremost customers had to say about their experience:
Verified Review
Reviewed in Texas on May 31, 2026
Way overpriced for basic liability. I think it's a rip-off.
Verified Review
Reviewed in Alaska on May 9, 2025
Auto policy is not available in Alaska currently. Just home and specialty vehicles like motorcycles. So do your research.
Verified Review
Reviewed in California on April 10, 2025
Everything was okay until they raised the rates by $80 a month.
Verified Review
Reviewed in Pennsylvania on November 19, 2024
They are not satisfactory. I have never made a claim, yet they raised my rate by 400 dollars. The coverage they provide is also insufficient. They are not worth it.
Foremost ratings
Industry ratings can indicate an insurance company’s financial strength and provide insights into customer satisfaction.
The chart below shows Foremost’s industry ratings from AM Best and the NAIC.
Rating | Score | What this means |
|---|---|---|
| AM Best | A (Excellent) | Indicates the company can pay claims |
| NAIC Complaint Index | 1.60 | More complaints than other insurers of its size |
Foremost car insurance coverage options
Foremost sells add-on endorsements in addition to state-required coverages, like bodily injury and property damage liability insurance. The company also sells standard optional coverages, like collision and comprehensive insurance. Foremost is available in all 50 states plus Washington, D.C.
Here are some of the add-on coverages Foremost offers:
Loan/lease
If you total your vehicle in a car accident or someone steals your car, this coverage pays the gap between your loan or lease balance and the insurance claim compensation you receive from your collision or comprehensive coverage.
Rental reimbursement
If your car needs repairs after a claim, this coverage can reimburse the cost of temporarily renting a vehicle.
Towing and roadside service
This policy covers the cost of towing or roadside assistance if your vehicle breaks down.
New-vehicle replacement
In the event of a covered total loss, this replacement cost coverage can help cover the expense of buying a new vehicle.
Rideshare
This insurance type covers you while you drive rideshare customers for a transportation network company, like Uber or Lyft.
Diminishing deductible
If you opt for a diminishing deductible, Foremost will reduce your policy’s deductible each year that you don’t file a collision or comprehensive claim. This could reduce your deductible by $250–$500, depending on your policy.
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Other options for Foremost customers
Foremost offers a full suite of vehicle coverages, including commercial and off-road vehicles, watercraft, travel trailers, motorcycles, recreational vehicles, boats, RVs, and luxury motor coaches.
In addition to vehicle insurance, Foremost can also protect your house. Foremost offers homeowners insurance policies and renter insurance products. Here are a few of Foremost’s home insurance options:
Homeowners: Traditional homeowner insurance coverage and named-peril coverage can protect your home, roof, and personal items.
Mobile home: This protects a mobile home against a variety of perils.
Vacant home: If your home sits vacant for part of the year, you may need to add a vacant rider to your policy, as vacant homes are a bigger risk.
Flood: Standard homeowners policies exclude flood damage. If you live in an area at risk of flooding, you should purchase flood insurance to protect your home.
Foremost insurance FAQs
Foremost may be a good choice for drivers with a major offense, such as a DUI or at-fault claim, on their driving record. The following information can help you determine if Foremost is the right choice for you.
Is Foremost legitimate?
Foremost is a legitimate business, part of the Farmers Group of insurance companies. It has more than 38,000 agents and can operate in all 50 states and Washington, D.C.
But Foremost Insurance Group specializes in coverage for high-risk drivers and offers many non-standard insurance options. Drivers with a clean record will probably find better rates with more standard insurers.
What is the average cost of Foremost car insurance?
The average premiums for Foremost car insurance are $118 per month for liability coverage and $274 for full coverage.
Is Foremost good at paying claims?
Customer reviews indicate some dissatisfaction with Foremost customer service and insurance claim handling. The company has an A (Excellent) financial strength rating from AM Best, which indicates financial stability and the resources to pay claims.
Make sure to read online reviews through the NAIC or the Better Business Bureau to help you decide whether Foremost is the right insurer for you.
How do you file a claim with Foremost?
You can file a claim at foremost.com/claims. Be sure to have your policy number, the name and address on the policy, the date and description of the loss, and an available telephone number ready. From there your claim will be assessed by a claims professional who may contact you before making an evaluation. Some claims may be handled quickly while others could take weeks or even months to resolve.
Sources
- Foremost. "Personal Auto Insurance."
- J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Writer: Mark Vallet
Writer: Mark Vallet
Mark is a freelance journalist and analyst with more than 15 years of experience covering the insurance industry. He has extensive experience creating and editing content on a variety of subjects with deep expertise in insurance and automotive writing.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
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.