4.8out of 3,000+ reviews

Farmers vs Nationwide Car Insurance

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auto insurance

Last Updated February 1, 2022

Ratings

Insurify Composite Score

Farmers
85
What is this?

Insurify Composite Score

Nationwide
89
What is this?

Insurify Composite Score

Farmers VS Nationwide
85
89
What is this?
User Ratings
OptionsFarmers Nationwide
Rating/Reviews
506 reviews
3,848 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsFarmers Nationwide
Call Center Representative--The rest
Insurer WebsiteAbout averageAmong the best
Local AgentAbout averageBetter than most
Overall SatisfactionAbout averageAbout average
Policy OfferingsAbout averageBetter than most
PricingAbout averageAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsFarmers Nationwide
Claim ServicingAbout averageAbout average
Estimation ProcessAbout averageBetter than most
First Notice of Loss (FNOL)About averageBetter than most
Overall SatisfactionAbout averageAbout average
Rental ExperienceAbout averageBetter than most
Repair ProcessThe restBetter than most
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionFarmers Nationwide
California795 pt
The rest
796 pt
About average
Central821 pt
About average
803 pt
The rest
Florida820 pt
About average
793 pt
The rest
Mid-Atlantic814 pt
The rest
823 pt
The rest
New England--817 pt
About average
New York--806 pt
The rest
North Central808 pt
The rest
815 pt
The rest
Northwest785 pt
The rest
782 pt
The rest
Southeast--823 pt
About average
Southwest797 pt
The rest
805 pt
The rest
Texas822 pt
About average
813 pt
The rest
Mobile App Ratings
RegionFarmers Nationwide
Android
2,565 Reviews
1,829 Reviews
iOS
538 Reviews
40 Reviews
Financial Ratings
OptionsFarmers Nationwide
A.M. BestAA+
FitchA+--
Moody'sA2A1
Standard & Poor'sAA+

Auto Insurance Quotes

For Married Drivers

CityFarmers Nationwide
Austin--$73
Chicago$124$184
Philadelphia--$87
Phoenix$126--
Santa Monica$120$96

For Single Drivers

CityFarmers Nationwide
Austin--$99
Chicago$117$183
Philadelphia--$96
Phoenix$120--
Santa Monica$263$231

For Male Drivers

CityFarmers Nationwide
Austin--$84
Chicago$129$185
Philadelphia--$90
Phoenix$129--
Santa Monica$269$215

For Female Drivers

CityFarmers Nationwide
Austin--$88
Chicago$112$182
Philadelphia--$93
Phoenix$117--
Santa Monica$114$112

For Drivers with Speeding Ticket

CityFarmers Nationwide
Austin--$115
Chicago$163$285
Philadelphia--$102
Phoenix$157--
Santa Monica$302$270

For Drivers with No Speeding Ticket

CityFarmers Nationwide
Austin--$80
Chicago$111$161
Philadelphia--$90
Phoenix$116--
Santa Monica$168$141

For Drivers Age Between 18-40

CityFarmers Nationwide
Austin--$97
Chicago$120$185
Philadelphia--$94
Phoenix$123--
Santa Monica$303$262

For Drivers Age Between 40-65

CityFarmers Nationwide
Austin--$70
Chicago$115$172
Philadelphia--$82
Phoenix$118--
Santa Monica$104$85

For Drivers Age of 65+

CityFarmers Nationwide
Austin--$108
Chicago$142$217
Philadelphia--$112
Phoenix$143--
Santa Monica$101$88

For Drivers with Average Credit

CityFarmers Nationwide
Austin--$105
Chicago$116$207
Philadelphia--$104
Phoenix$123--
Santa Monica$149$147

For Drivers with Fair Credit

CityFarmers Nationwide
Austin--$87
Chicago$132$185
Philadelphia--$91
Phoenix$134--
Santa Monica$134$117

For Drivers with Good Credit

CityFarmers Nationwide
Austin--$70
Chicago$126$197
Philadelphia--$90
Phoenix$128--
Santa Monica$140$106

For Drivers with Excellent Credit

CityFarmers Nationwide
Austin--$83
Chicago$108$144
Philadelphia--$80
Phoenix$108--
Santa Monica$343$285

Quotes & Discounts

Discount typeFarmers Nationwide
Multiple PolicyUp to 10%Up to 25%
EV/HybridUp to 5%--
Affinity groupVariesVaries
Anti-Theft DeviceVariesUp to 5%
Anti-lock BrakeVaries--
Claims Free RenewalVaries--
Daytime Running LightsVaries--
Defensive DriverVariesUp to 10%
Driving HabitsVariesVaries
Driving trainingVaries--
E-billingVaries--
Early QuoteVaries--
Electronic Stability ControlVaries--
FamilyVariesUp to 25%
Good DriverVariesUp to 10%
Good PayerVaries--
Good StudentVariesUp to 15%
Home OwnerVaries--
LoyaltyVaries--
Mature driverVaries--
MilitaryVaries--
Multiple VehicleVariesUp to 20%
On Your OwnVaries--
OrganizationVariesUp to 10%
Paid in fullVaries--
Paperless documentsVariesVaries
Passive RestraintVaries--
Preferred paymentVariesVaries
PrepayVaries--
Professional organizationVaries--
Provider SwitchVaries--
Senior AdultVaries--
Student Away at SchoolVaries--
VIN EtchingVaries--
Youth DrivingVaries--
teenSMARTVaries--
Accident Forgiveness--Varies
Accident Free--Varies
Farm Bureau--Up to 10%
SmartRide--Up to 10%

Payment Methods

Discount typeFarmers Nationwide
Automatic Online Payment
yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
In Person Payment
yes--
Mail Payment
yesyes
Mobile App Payments
yes--
Multi-Payment Installment Plans
yesyes
Online Payment
yesyes
Person 2 Person Payment --yes
Phone Payment
yesyes

Features and Services

Features and ServicesFarmers Nationwide
Accident forgivenessyes--
Flexible / convenient paymentsyes--
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesFarmers Nationwide
Accident Forgiveness
yesyes
Antique or Collector Car Insurance
yesyes
Comprehensive Claim Forgiveness
yes--
Emergency Lockout Coverage
yes--
Gap Insurance
--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
yesyes
Ridesharing Coverage
yes--
Roadside Assistance
yesyes
Small Claim Forgiveness
yes--
Umbrella Policy
yes--
Vanishing Deductible
yesyes

Uber and Lyft driver insurance

  • Farmers
  • Nationwide
  • Both

SR‌-22 Insurance by State

  • Farmers
  • Nationwide
  • Both

Compare Insurance Products

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

User Reviews

  • Farmers Reviews
  • Nationwide Reviews
3.4
5 Stars
37 %
4 Stars
17 %
3 Stars
15 %
2 Stars
8 %
1 Star
24 %

Most Positive Review

By Joe
They provided me with good service and whenever I needed to make a change in coverage they were very accommodating and when I had a claim they were very quick in taking care of it.

Most Critical Review

By Chesney
Farmers is the absolute worst insurance company around, their communication is poor, customer service is poor & they don’t seem to care about their customers needs

All Reviews

Showing 1 - 10 out of 506 Reviews
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Read reviews that mention

Terence A.Fomba
Please I wish to enquire if I can pay insurance using my name on my brother's car and drive with my international drivers licenses?
Sharon
Good agent
Jagtar
David
Farmers suck. If you are not at fault in an accident. You are on your own. They do nothing. We had to contact their insurance and all kind of rental car arrangements. They did nothing and they sucked.
David
We were in a car accident. The car was hit while my wife and I went for a walk in the park. The gentleman who hit the car was good enough to wait for us to return from our walk. He worked for the city of Maggie Valley. Farmers did nothing for us. We had to contact everyone because the party is as at fault.
Mirtha
Very expensive
Brenda
They were expensive.
Chris
Rates and coverage
Anis
Professional
Michael
They were always on top of everything I had to do with them. They were always quick to resolve issues and handle my claims. I felt secure with them as my insurance carrier
Showing 1 - 10 out of 506 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.