Auto-Owners vs Farmers Car Insurance

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4.8 Rating

2,700 Reviews

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Last Updated: January 2022

Ratings

Insurify Composite Score

Auto-Owners
86
What is this?

Insurify Composite Score

Farmers
85
What is this?

Insurify Composite Score

Auto-Owners VS Farmers
86
85
What is this?
User Ratings
OptionsAuto-Owners Farmers
Rating/Reviews
63 reviews
506 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAuto-Owners Farmers
Insurer Website--About average
Local AgentAmong the bestAbout average
Overall SatisfactionBetter than mostAbout average
Policy OfferingsAmong the bestAbout average
PricingBetter than mostAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAuto-Owners Farmers
Claim ServicingBetter than mostAbout average
Estimation ProcessBetter than mostAbout average
First Notice of Loss (FNOL)Better than mostAbout average
Overall SatisfactionBetter than mostAbout average
Rental ExperienceAmong the bestAbout average
Repair ProcessAbout averageThe rest
SettlementBetter than mostAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAuto-Owners Farmers
California--795 pt
The rest
Central847 pt
Better than most
821 pt
About average
Florida812 pt
About average
820 pt
About average
Mid-Atlantic--814 pt
The rest
North Central850 pt
Among the best
808 pt
The rest
Northwest--785 pt
The rest
Southeast842 pt
Better than most
--
Southwest--797 pt
The rest
Texas--822 pt
About average
Mobile App Ratings
RegionAuto-Owners Farmers
Android
20 Reviews
2,565 Reviews
iOS
6 Reviews
538 Reviews
Financial Ratings
OptionsAuto-Owners Farmers
A.M. BestA++A
Fitch--A+
Moody's--A2
Standard & Poor's--A

Auto Insurance Quotes

For Married Drivers

CityAuto-Owners Farmers
Chicago$62$124
Philadelphia$68--
Phoenix$36$126
Santa Monica--$120

For Single Drivers

CityAuto-Owners Farmers
Chicago$65$117
Philadelphia$68--
Phoenix$40$120
Santa Monica--$263

For Male Drivers

CityAuto-Owners Farmers
Chicago$57$129
Philadelphia$65--
Phoenix$32$129
Santa Monica--$269

For Female Drivers

CityAuto-Owners Farmers
Chicago$70$112
Philadelphia$71--
Phoenix$43$117
Santa Monica--$114

For Drivers with Speeding Ticket

CityAuto-Owners Farmers
Chicago$97$163
Philadelphia$81--
Phoenix$56$157
Santa Monica--$302

For Drivers with No Speeding Ticket

CityAuto-Owners Farmers
Chicago$56$111
Philadelphia$66--
Phoenix$34$116
Santa Monica--$168

For Drivers Age Between 18-40

CityAuto-Owners Farmers
Chicago$65$120
Philadelphia$68--
Phoenix$40$123
Santa Monica--$303

For Drivers Age Between 40-65

CityAuto-Owners Farmers
Chicago$57$115
Philadelphia$62--
Phoenix$32$118
Santa Monica--$104

For Drivers Age of 65+

CityAuto-Owners Farmers
Chicago$84$142
Philadelphia$91--
Phoenix$49$143
Santa Monica--$101

For Drivers with Average Credit

CityAuto-Owners Farmers
Chicago$78$116
Philadelphia$71--
Phoenix$49$123
Santa Monica--$149

For Drivers with Fair Credit

CityAuto-Owners Farmers
Chicago$69$132
Philadelphia$81--
Phoenix$41$134
Santa Monica--$134

For Drivers with Good Credit

CityAuto-Owners Farmers
Chicago$59$126
Philadelphia$60--
Phoenix$35$128
Santa Monica--$140

For Drivers with Excellent Credit

CityAuto-Owners Farmers
Chicago$48$108
Philadelphia$61--
Phoenix$27$108
Santa Monica--$343

Quotes & Discounts

Discount typeAuto-Owners Farmers
Passive RestraintUp to 35%Varies
Multiple VehicleUp to 31%Varies
Student Away at SchoolUp to 25%Varies
Multiple PolicyUp to 14%Up to 10%
PrepayUp to 14%Varies
Anti-Theft DeviceUp to 11%Varies
Anti-lock BrakeUp to 10%Varies
Good StudentUp to 10%Varies
Company CarUp to 5%--
Accident FreeVaries--
E-billingVariesVaries
EV/HybridVariesUp to 5%
Good CreditVaries--
Good DriverVariesVaries
Mature driverVariesVaries
OrganizationVariesVaries
Paid in fullVariesVaries
Paperless documentsVariesVaries
teenSMARTVariesVaries
Affinity group--Varies
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Defensive Driver--Varies
Driving Habits--Varies
Driving training--Varies
Early Quote--Varies
Electronic Stability Control--Varies
Family--Varies
Good Payer--Varies
Home Owner--Varies
Loyalty--Varies
Military--Varies
On Your Own--Varies
Preferred payment--Varies
Professional organization--Varies
Provider Switch--Varies
Senior Adult--Varies
VIN Etching--Varies
Youth Driving--Varies

Payment Methods

Discount typeAuto-Owners Farmers
Automatic Online Payment
yesyes
Credit Card Payment --yes
Debit Card Payments --yes
Electronic Check
--yes
In Person Payment
--yes
Mail Payment
--yes
Mobile App Payments
--yes
Multi-Payment Installment Plans
--yes
Online Payment
--yes
Phone Payment
--yes

Features and Services

Features and ServicesAuto-Owners Farmers
24/7 serviceyes--
Accident forgiveness--yes
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes

Optional Coverages

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

Uber and Lyft driver insurance

  • Auto-Owners
  • Farmers
  • Both

SR‌-22 Insurance by State

  • Auto-Owners
  • Farmers
  • Both

Compare Insurance Products

ProductAuto-Owners Farmers
Car InsuranceCar Insuranceyesyes
Business InsuranceBusiness Insuranceyesyes
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 Insurance--yes
Pet InsurancePet Insurance--yes
Recreational InsuranceRecreational Insurance--yes
Renters InsuranceRenters Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Auto-Owners Reviews
  • Farmers Reviews
2.8
5 Stars
33 %
4 Stars
6 %
3 Stars
11 %
2 Stars
6 %
1 Star
43 %

Most Positive Review

By Dixie
Their staff is always friendly, answer all my questions, and I may stay with them. I'm just researching because my rates are so high. I can understand them raising my payments as I've had two accidents since December 19, 2016, but no one was hurt or killed (THANK GOD)it was my only accident in 73 years, damage to both vehicles was under $9,000. My second accident only involved me. Auto-Owners totaled my vehicle and paid me damages of $6206.80. Again, I can see where my rates would raise, I just didn't expect it to be what it is, so I thought I'd shop around.

Most Critical Review

By Donna
Claims Adjuster for 1 thing. Most of the time you can't get ahold of anyone at my agents office

All Reviews

Showing 1 - 10 out of 63 Reviews
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Read reviews that mention

Nancy Ferguson
We've had Auto Owners for home and auto for more than 10 years. Their rates have always been the lowest I've found for full coverages. We work with a local agent for questions and policy reviews who has been excellent. Claims go through the claims department and not through the agent. They also have been very responsive and helpful. This year, 2020, we had a significant increase in premiums. The reason given on the policy page was a reduction in credit score. Our score went down 10 points but is still in the 800's. I think it has more to do with our age but they won't say that. We don't have tickets and no accidents or claims for at least 5 years and we drive fewer miles now than ever before. We are getting a Covid19 rebate but as of now we don't know how much that will be. I always recommend Auto Owners to others and will continue to do so. I'm just a little disappointed that we aren't rewarded for being such a good customer.
Cherry
Regina, my Agent has been great, however wrong information was entered by Nexusis & my driving record incorrectly impacted, also Auto Owners rates are jumping outrageously, also I am being double invoiced for a policy which is currently paid through Dec 14, 2019. I don't know what is going on with Auto-Owners or with Clinard Insurance Agency. I do like the personal agent, Regina that has always helped me with my insurance.
Frank
Too difficult to deal with for claims. Charged my wife as responsible for an accident in a parking lot when her car was struck from behind. My car was totaled in another accident where I was rear-ended on an exit by a truck which pushed me into a van. AO hired an appraiser to get the value of my vehicle and then arbitrarily and unilaterally reduced the value given. I had been warned this would happen by another insured.
Betsy Heckert
Brittany S
Dean
No problems with it and it is cheaper than anything you offer for the coverage I get.
Nichole
Donna W.
On June 28, 2018, our boat dock on West Point Lake suffered severe storm damage from strong wind. Auto Owners' hired a engineer to inspect and he reported that the damage was caused from waves (which is not covered by our policy) instead of the obvious cause of wind (which is covered by our policy.) Not only is the lake too small to possibly have waves large enough to cause this kind of damage but we had a path of trees down through our property as a result of the strong winds during that storm. After several attempts to get the adjuster to reconsider their decision, we were forced to file claim in Magistrate Court. After four months of filing this claim and many hours preparing to present our case in court, the Judge found that it was obvious wind damage and ordered Auto Owners to pay the full amount of our claim. Their attorney stated they would consider an appeal so we had to wait another thirty days for them to pay. We are aware of others on our lake who were also denied their damage claims from Auto Owners but they (like most people) chose not to fight it. It is just not right for any insurance company to collude with engineers or contractors to prevent paying legitimate claims knowing that most people will not fight it. We have cancelled our home and auto policies with them as well as our commercial policies we have had with them for at least twenty years. No one should have to go through what we went through due to their unethical business practices.
TERRY
The claim process has been a disaster!
Debora
Good customer service.
Showing 1 - 10 out of 63 reviews

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.