Consumers Insurance vs Farmers Car Insurance

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2,700 Reviews

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Last Updated: January 2022

Ratings

Insurify Composite Score

Consumers Insurance
Not Rated
What is this?

Insurify Composite Score

Farmers
85
What is this?

Insurify Composite Score

Consumers Insurance VS Farmers
Not Rated
85
What is this?
User Ratings
OptionsConsumers Insurance Farmers
Rating/Reviews
0 reviews
506 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsConsumers Insurance 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)
OptionsConsumers Insurance 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)
RegionConsumers Insurance 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
RegionConsumers Insurance Farmers
Android--
2,565 Reviews
iOS--
538 Reviews
Financial Ratings
OptionsConsumers Insurance Farmers
A.M. Best--A
Fitch--A+
Moody's--A2
Standard & Poor's--A

Auto Insurance Quotes

For Married Drivers

CityConsumers Insurance Farmers
Chicago--$124
Phoenix--$126
Santa Monica--$120

For Single Drivers

CityConsumers Insurance Farmers
Chicago--$117
Phoenix--$120
Santa Monica--$263

For Male Drivers

CityConsumers Insurance Farmers
Chicago--$129
Phoenix--$129
Santa Monica--$269

For Female Drivers

CityConsumers Insurance Farmers
Chicago--$112
Phoenix--$117
Santa Monica--$114

For Drivers with Speeding Ticket

CityConsumers Insurance Farmers
Chicago--$163
Phoenix--$157
Santa Monica--$302

For Drivers with No Speeding Ticket

CityConsumers Insurance Farmers
Chicago--$111
Phoenix--$116
Santa Monica--$168

For Drivers Age Between 18-40

CityConsumers Insurance Farmers
Chicago--$120
Phoenix--$123
Santa Monica--$303

For Drivers Age Between 40-65

CityConsumers Insurance Farmers
Chicago--$115
Phoenix--$118
Santa Monica--$104

For Drivers Age of 65+

CityConsumers Insurance Farmers
Chicago--$142
Phoenix--$143
Santa Monica--$101

For Drivers with Average Credit

CityConsumers Insurance Farmers
Chicago--$116
Phoenix--$123
Santa Monica--$149

For Drivers with Fair Credit

CityConsumers Insurance Farmers
Chicago--$132
Phoenix--$134
Santa Monica--$134

For Drivers with Good Credit

CityConsumers Insurance Farmers
Chicago--$126
Phoenix--$128
Santa Monica--$140

For Drivers with Excellent Credit

CityConsumers Insurance Farmers
Chicago--$108
Phoenix--$108
Santa Monica--$343

Quotes & Discounts

Discount typeConsumers Insurance Farmers
Anti-Theft DeviceVariesVaries
Driving trainingVariesVaries
Empty NesterVaries--
Good DriverVariesVaries
Good StudentVariesVaries
LoyaltyVariesVaries
Married ProfessionalVaries--
Multiple PolicyVariesUp to 10%
Preferred paymentVariesVaries
Affinity group--Varies
Anti-lock Brake--Varies
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Defensive Driver--Varies
Driving Habits--Varies
E-billing--Varies
EV/Hybrid--Up to 5%
Early Quote--Varies
Electronic Stability Control--Varies
Family--Varies
Good Payer--Varies
Home Owner--Varies
Mature driver--Varies
Military--Varies
Multiple Vehicle--Varies
On Your Own--Varies
Organization--Varies
Paid in full--Varies
Paperless documents--Varies
Passive Restraint--Varies
Prepay--Varies
Professional organization--Varies
Provider Switch--Varies
Senior Adult--Varies
Student Away at School--Varies
VIN Etching--Varies
Youth Driving--Varies
teenSMART--Varies

Payment Methods

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

Features and Services

Features and ServicesConsumers Insurance Farmers
Accident forgiveness--yes
Flexible / convenient payments--yes
Mobile app--yes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesConsumers Insurance Farmers
Accident Forgiveness
--yes
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
--yes
Emergency Lockout Coverage
--yes
Glass Coverage --yes
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
Rental Reimbursement
--yes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Small Claim Forgiveness
--yes
Umbrella Policy
--yes
Vanishing Deductible
--yes

Insurance by State

Car Insurance

  • Consumers Insurance
  • Farmers
  • Both

Uber and Lyft driver insurance

  • Consumers Insurance
  • Farmers
  • Both

SR‌-22 Insurance by State

  • Consumers Insurance
  • Farmers
  • Both

Compare Insurance Products

ProductConsumers Insurance 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
RV InsuranceRV Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User 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.