Apparent vs Farmers Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Apparent
Not Rated
What is this?

Insurify Composite Score

Farmers
85
What is this?

Insurify Composite Score

Apparent VS Farmers
Not Rated
85
What is this?
User Ratings
OptionsApparent Farmers
Rating/Reviews
0 reviews
506 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsApparent Farmers
Insurer Website--About average
Local Agent--About average
Overall Satisfaction--About average
Policy Offerings--About average
Pricing--About average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsApparent Farmers
Claim Servicing--About average
Estimation Process--About average
First Notice of Loss (FNOL)--About average
Overall Satisfaction--About average
Rental Experience--About average
Repair Process--The rest
Settlement--About average
J.D. Power Ratings by Region (out of 1000)
RegionApparent Farmers
California--795 pt
The rest
Central--821 pt
About average
Florida--820 pt
About average
Mid-Atlantic--814 pt
The rest
North Central--808 pt
The rest
Northwest--785 pt
The rest
Southwest--797 pt
The rest
Texas--822 pt
About average
Mobile App Ratings
RegionApparent Farmers
Android--
2,565 Reviews
iOS--
538 Reviews
Financial Ratings
OptionsApparent Farmers
A.M. Best--A
Fitch--A+
Moody's--A2
Standard & Poor's--A

Auto Insurance Quotes

For Married Drivers

CityApparent Farmers
Chicago--$124
Phoenix--$126
Santa Monica--$120

For Single Drivers

CityApparent Farmers
Chicago--$117
Phoenix--$120
Santa Monica--$263

For Male Drivers

CityApparent Farmers
Chicago--$129
Phoenix--$129
Santa Monica--$269

For Female Drivers

CityApparent Farmers
Chicago--$112
Phoenix--$117
Santa Monica--$114

For Drivers with Speeding Ticket

CityApparent Farmers
Chicago--$163
Phoenix--$157
Santa Monica--$302

For Drivers with No Speeding Ticket

CityApparent Farmers
Chicago--$111
Phoenix--$116
Santa Monica--$168

For Drivers Age Between 18-40

CityApparent Farmers
Chicago--$120
Phoenix--$123
Santa Monica--$303

For Drivers Age Between 40-65

CityApparent Farmers
Chicago--$115
Phoenix--$118
Santa Monica--$104

For Drivers Age of 65+

CityApparent Farmers
Chicago--$142
Phoenix--$143
Santa Monica--$101

For Drivers with Average Credit

CityApparent Farmers
Chicago--$116
Phoenix--$123
Santa Monica--$149

For Drivers with Fair Credit

CityApparent Farmers
Chicago--$132
Phoenix--$134
Santa Monica--$134

For Drivers with Good Credit

CityApparent Farmers
Chicago--$126
Phoenix--$128
Santa Monica--$140

For Drivers with Excellent Credit

CityApparent Farmers
Chicago--$108
Phoenix--$108
Santa Monica--$343

Quotes & Discounts

Discount typeApparent Farmers
Multiple VehicleUp to 30%Varies
Signing documents when you buy onlineUp to 17%--
Student Away at SchoolUp to 15%Varies
Starting your auto quote onlineUp to 13%--
Good StudentUp to 11%Varies
Multiple PolicyUp to 10%Up to 10%
Paid in fullUp to 10%Varies
Good DriverUp to 7%Varies
Advance shopperUp to 5%--
Home OwnerUp to 4%Varies
Paperless documentsUp to 2%Varies
Affinity group--Varies
Anti-Theft Device--Varies
Anti-lock Brake--Varies
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Defensive Driver--Varies
Driving Habits--Varies
Driving training--Varies
E-billing--Varies
EV/Hybrid--Up to 5%
Early Quote--Varies
Electronic Stability Control--Varies
Family--Varies
Good Payer--Varies
Loyalty--Varies
Mature driver--Varies
Military--Varies
On Your Own--Varies
Organization--Varies
Passive Restraint--Varies
Preferred payment--Varies
Prepay--Varies
Professional organization--Varies
Provider Switch--Varies
Senior Adult--Varies
VIN Etching--Varies
Youth Driving--Varies
teenSMART--Varies

Payment Methods

Discount typeApparent Farmers
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
In Person Payment
--yes
Mail Payment
--yes
Mobile App Payments
--yes
Money Transfer
yes--
Multi-Payment Installment Plans
yesyes
Online Payment
yesyes
Phone Payment
yesyes
Prepayment
yes--

Features and Services

Features and ServicesApparent Farmers
24/7 serviceyes--
Accident forgiveness--yes
Diminishing deductibleyes--
Enhanced towing & substitute coverageyes--
Flexible / convenient paymentsyesyes
Mobile appyesyes
Online account management--yes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesApparent Farmers
Accident Forgiveness
--yes
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
--yes
Emergency Lockout Coverage
--yes
Glass Coverage --yes
Incident Forgiveness
--yes
Legal Defense Costs Coverage
yes--
Loss of Use Coverage
--yes
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
--yes
No Fault Coverage
--yes
Original Equipment Manufacturer Coverage
--yes
Personal/Upgraded Item Coverage
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Small Claim Forgiveness
--yes
Umbrella Policy
yesyes
Vanishing Deductible
--yes

Insurance by State

Home / Condo Insurance

  • Apparent
  • Farmers
  • Both

Uber and Lyft driver insurance

  • Apparent
  • Farmers
  • Both

SR‌-22 Insurance by State

  • Apparent
  • Farmers
  • Both

Compare Insurance Products

ProductApparent Farmers
Car InsuranceCar Insuranceyesyes
Business InsuranceBusiness Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Condo InsuranceCondo Insurance--yes
Earthquake InsuranceEarthquake Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insurance--yes
Recreational InsuranceRecreational Insurance--yes
Renters InsuranceRenters Insuranceyesyes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Apparent Reviews
  • Farmers Reviews
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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.