Farmers Car Insurance

3.6 274 reviews
You're shopping in zipcode 79504 Change

Ratings

InsurifyComposite Score
U.S Auto Insurance Shopping Study (2018)
Options Results
Policy Offerings About average
Pricing About average
Insurer Website About average
Local Agent About average
Overall Satisfaction About average
U.S Auto Insurance Claims Satisfaction Study (2018)
Options Results
Rental Experience About average
Estimation Process About average
Overall Satisfaction About average
Claim Servicing About average
First Notice of Loss (FNOL) About average
Repair Process The rest
Settlement About average
J.D. Power Ratings by Region (out of 1000)
Region Ratings State Average
Southwest 797 The rest
Texas 822 About average
Central 821 About average
Mid-Atlantic 814 The rest
Florida 820 About average
California 795 The rest
North Central 808 The rest
Northwest 785 The rest
Farmers Mobile App Ratings
Brand Ratings User reviews
iOS
Full Star Full Star Full Star Full Star Half Star 4.8
538
Android
Full Star Full Star Full Star Half Star Empty Star 3.6
2565
Financial Ratings
Company Name Ratings
A.M. Best A
Standard & Poor's A
Fitch A+
Moody's A2

Discounts

The largest discounts from Farmers are: Multiple Policy Discount, Eco-nomy Car Discount, Senior Adult Discount

Discount Type Discount %
Multiple Policy Discount up to 10%
Eco-nomy Car Discount up to 5%
Senior Adult Discount Varies
Professional organization discount Varies
Mature driver discount Varies
Paid in full discount Varies
Provider Switch Discount Varies
Home Owner Discount Varies
Preferred payment discount Varies
Paperless documents discount Varies
Anti-lock Brake Discount Varies
Driving training discount Varies
Electronic Stability Control Varies
Affinity group discount Varies
Driving Habits Discount Varies
Family Discount Varies
Good Payer Discount Varies
Claims Free Renewal Discount Varies
Youth Driving Discount Varies
Early Quote Discount Varies
Anti-Theft Device Discount Varies
Defensive Driver Discount Varies
E-billing Discount Varies
Good Driver Discount Varies
Good Student Discount Varies
Loyalty Discount Varies
Military Discount Varies
Multiple Vehicle Discount Varies
Organization Discount Varies
Passive Restraint Discount Varies
Prepay Discount Varies
Student Away at School Discount Varies
TeenSmart Discount Varies
Daytime Running Lights Discount Varies
VIN Etching Varies
On Your Own Discount Varies

Payment Methods

  • Complete Tick Multi-payment Installment Plans
  • Complete Tick Electronic Check
  • Complete Tick Debit Card Payments
  • Complete Tick Automatic Online Payments
  • Complete Tick Mobile App Payments
  • Complete Tick Phone Payment -IVR
  • Complete Tick Mail Payment

Features and Services

Farmers has been offering its customers exceptional service for over 80 years. Their insurance agents are available for claim support 24 hours a day, 7 days a week. Their customers have access to their extensive Inner Circle network which includes services such as a car shopping and roadside assistance. Stay connected with Farmers and your Inner Circle with the Farmers Insurance Mobile App which allows you to manage your policy, claims, contact your agent, and make payments on the go.

  • Online account management Online account management
  • Mobile app Mobile app
  • Policy bundling discounts Policy bundling discounts
  • Accident forgiveness Accident forgiveness
  • Mobile app Mobile app

Optional Coverage

  • Complete Tick Accident Forgiveness
  • Complete Tick Comprehensive Claim Forgiveness
  • Complete Tick Glass Coverage
  • Complete Tick Incident Forgiveness
  • Complete Tick Loss of Use Coverage
  • Complete Tick New Car Replacement Coverage
  • Complete Tick No Fault Coverage
  • Complete Tick Personal/Upgraded Item Coverage
  • Complete Tick Rental Reimbursment
  • Complete Tick Road Side Assistance
  • Complete Tick Small Claim Forgiveness
  • Complete Tick Umbrella Policy
  • Complete Tick Antique or Collector Car Insurance
  • Complete Tick Vanishing Deductible
  • Complete Tick Original Equiptment Manufacturer Coverage
  • Complete Tick Ridesharing Coverage

Farmers provides Uber and Lyft driver insurance in the following states:

Farmers Insurance Products

Learn more about Farmers Life Insurance.

When it comes to auto insurance, Farmers calls itself the “Smart Choice,” because they offer a variety of additional coverage options so you can truly make your policy your own. 

Farmers offers the standard car insurance coverages like:

  • Liability 
  • Collision
  • Comprehensive
  • Uninsured/Underinsured Motorist Coverage
  • Medical payments
  • Personal Injury Protection (PIP)

They also offer a long list of optional coverages you can add to your policy, including:

  • New car pledge: Covers the replacement of a brand new car model if your new car (less than 2 model years old) is totaled. 
  • Accident Forgiveness: Your rates won’t increase after one accident if you haven’t had one in the past three years. 
  • Small Claim Forgiveness: You rates won’t increase for little accidents like fender benders, even if you’re at fault. 
  • Incident Forgiveness: Your rates won’t increase with a traffic violation as long as no one files a claim against you. 
  • Loss of Use: Covers your travel or car rental expenses when your car is in the repair ship after a covered accident. 
  • No Fault, No Foul: Your rates won’t increase when you’re in an accident in which someone else was at fault. 
  • Comprehensive Claims Forgiveness: Your rate won’t increase if your car is damaged by weather or stolen. 
  • Personal Umbrella
  • Towing & Roadside Assistance
  • Glass Repair Services
  • Car Rental Reimbursement
  • Extended Customized Equipment Coverage: Extends coverage to items not permanently installed in your car, like a stereo system or chrome rims. 
  • Farmers Rideshare: Extends your personal auto insurance coverage when you’re driving for a rideshare company like Uber. 

Farmers classic car insurance provides more coverage than a regular car insurance policy so you can be sure you have enough enough protection for your antiques, foreign and domestic sports cars, modifieds, customs, classics, hot rods, and more. 

To qualify for a Farmers classic car policy, your vehicle must be in original or restored original condition. “Antique” cars must be 25 years and older, while a “classic” car must be 19 to 24 years old. 

A classic car policy comes with numerous coverage options including Guaranteed Value™ and original replacement parts coverage. 

Farmers home insurance policies go beyond basic and offer extra benefits to all of their customers, so they can enjoy additional protection without the additional cost. 

Farmers offers all the typical coverages you’d find on a home insurance policy, such as:

  • Property damage
  • Personal belongings
  • Liability 
  • Medical payments
  • Additional living expenses: Pays for relocation (up to 24 months) when your home is uninhabitable after a covered loss. 

Farmers optional homeowners coverages include:

  • Scheduled personal property: Coverage for valuable items like jewelry, antiques, furs, etc. 
  • Identity management: Prevention services and coverage for the cost of restoring your identity.
  • Eco-rebuild: Covers up to $25,000 to rebuild your covered loss with environmentally friendly materials. 
  • Contents replacement cost: Pays for the repair or replacement of your items at current market value, regardless of depreciation.
  • Trees and shrubs: Pays up to $750 per item when your trees, shrubs, plants, or lawn are damaged. 

Farmers insurance allows your to pick specific coverage options for your condominium based on what matters most to you, whether it’s your condo unit, personal belongings, or your assets. 

Farmers standard condo insurance coverage includes:

  • Property damage, including alterations and improvements you make to your unit.
  • Personal property
  • Liability
  • Medical payments
  • Additional living expenses

Optional condo insurance coverages from Farmers include:

  • Scheduled personal property: Coverage for valuable items like jewelry, antiques, furs, etc. 
  • Replacement cost: Pays for the repair or replacement of your items at current market value, regardless of depreciation.
  • Identity management: Prevention services and coverage for the cost of restoring your identity.

Farmers offers earthquake insurance to families living in both earthquake prone and non-prone areas. Specifically in California, Farmers agents offer earthquake coverage through an independent organization, the California Earthquake Authority (CEA). 

Earthquake insurance is meant to cover the cost of rebuilding your home, replacing your personal belongings, and relocating you if your home is uninhabitable after an earthquake. 

Farmers offers flood insurance whether you live near a body of water or not, because every home is potentially a “flood zone” under the right conditions. Farmers offer residential and commercial lines of flood insurance so you can cover your home and business with one company. 

Farmers offers their flood insurance through an independent organization, the National Flood Insurance Program which provides coverage limits of $250,000 for residential buildings, $100,000 for its contents and $500,000 each for commercial building and contents. Policy options include :

  • Preferred Risk Policy: If your home or business is located in an area with low to moderate flood risk; coverages include building and contents-combined or contents only.
  • Standard Risk Policy: If your home or business is located in a high risk flood area; coverages include combined coverage, building only, or contents coverage only.

Building property coverage will protect things like the foundation, electrical and plumbing systems, refrigerators, stoves, dishwashers, permanently installed carpeting over unfinished flooring, and curtains, etc. 

Optional coverages include:

  • Debris removal 
  • Loss avoidance measures
  • Increased cost of compliance such as flood proofing, relocation, elevation, and demolition

Farmers understands that mobile and manufactured homes are special and therefore need more than a standard home insurance policy to protect them. Farmers provides specialized mobile home policies with:

  • Property coverage: Covers damage caused by fire, lightning, explosion, vandalism, landslide, falling objects, attempted/actual burglary, water damage from bursting pipes, damage by wild or stray animals, collapse from the weight of ice and snow, and wind or hail. 
  • Liability coverage
  • Additional Living Expenses
  • Trees, Shrubs, Plants, and Lawns
  • Debris Removal
  • Emergency Removal Service and Emergency Repair After a Loss
  • Credit Card and Check Forgery
  • Fire Department Service
  • Food Spoilage

Optional mobile home coverages include:

  • Agreed Loss Settlement: Pay the full amount of insurance that you’ve purchased on your home in the event of a covered loss. 
  • Optional Replacement Cost: Pays the current market value for damaged items, regardless or depreciation or wear and tear. 
  • Hobby Farm or Ranch Liability
  • Identity Fraud Expense and Management
  • Incidental Business Liability
  • Personal Injury
  • Water Backup from Sewers and Drains
  • Earthquake coverage
  • Trip coverage when moving your home
  • Personal Liability coverage on additional residences
  • Scheduled Personal Property coverage
  • Replacement Cost coverage including mobile home, other structures, and personal belongings

Farmers offer flexible renters insurance policies so you can choose what you want covered and from what kinds of damage. Renters insurance with Farmers is customizable and affordable. 

Farmers renters insurance will cover:

  • Personal possessions: Covers things like furniture, clothing, electronics, appliances, etc. anywhere in the world from named-perils specifically listed on your policy.
  • Personal Liability: Covers costs to resolve claims or defend lawsuits. 
  • Medical Payments
  • Additional Living Expenses: Pays to relocate you when your apartment is deemed uninhabitable after a covered loss. 

Optional renters insurance coverages from Farmers include:

  • Replacement Cost: Pays current market value for your possessions, regardless of depreciation
  • Identity Shield: Covers time and loss, performs credit monitoring, assists in notifying credit bureaus of the fraud, and replaces important documents. 

Farmers Life® insurance offers a variety of term life and permanent life coverage and product options so you can choose what’s right for you and your family. 

Term life: Farmers offers 3 different kinds of term life policies with different coverage amounts. 

  • Farmers Simple Term: Coverage starts at $75,000 with guaranteed level for 10, 20, or 30 years.
  • Farmers Value Term: Coverage starts at $150,000 with guaranteed level death benefit.
  • Farmers Decreasing Term: Coverage starts at $25,000 with the choice of a 15, 20, 25, or 30-year policy. 

Whole life: One of the most common types of permanent life insurance policies, Farmers offers 3 whole life policies to choose from with varying benefits. 

  • Farmers EssentialLife® Simple Whole Life: Guaranteed level premiums, guaranteed cash values and is payable to age 100.
  • Farmers Graded Death Benefit Whole Life: Guaranteed cash value accumulation and death benefit, no medical exam needed. 
  • Farmers Premier Whole Life: Guaranteed cash value accumulation and face amounts for most financial needs. 

Universal life: Farmers universal life offers lifelong coverage with numerous benefits like flexible payments, adjustable benefits and coverage levels, and cash accumulation. There are 2 universal life policies to choose from with varying benefits.

  • Farmers EssentialLife® Universal Life: Choose the timing of your payments and the amount of coverage you need. 
  • Farmers Index Universal Life®: Provides the potential for greater cash value accumulation than traditional universal life insurance. 

Farmers allows business owners to customize their commercial insurance policies to their needs so there’s no way you’ll pay extra for coverage you don’t need. Farmers offers standard business insurance coverage options like:

  • Property
  • Liability
  • Crime: Coverage against theft from employees or third parties. 
  • Auto
  • Workers’ compensation
  • Umbrella
  • Life
  • Loss Control: Services that help you avoid on-the-job accidents.

Farmers also offers a variety of optional business insurance coverages including:

  • Apartment
  • Auto service and repair
  • Commercial real estate
  • Education and non-profit
  • Home and building service
  • Homeowners association
  • Hospitality
  • Manufacturing
  • Office
  • Religious organization
  • Restaurant and food truck
  • Retail store
  • Wholesale 

Farmers offers extensive recreational and specialty insurance options with multi-line discounts so you can protect all your toys with one company. 

Each coverage comes with a variety of policy packages to choose from such as Marine Choice Saver Package, Marine Choice Plus, Marine Choice Elite, etc. With a Farmers recreational policy you can insure your:

  • Boat
  • Personal watercraft like Jet Skis, Wave Runners, Sea Doo, etc.
  • Off-road vehicles like ATV’s, snowmobile, dirt bikes, dune buggies, golf carts, etc. 
  • RV/Motorhome
  • Travel trailers
  • 5th wheels 

Farmers offers a wide range of standard and optional motorcycle insurance coverages so you can build a policy to match your ride. Farmers accepts bikes such as cruisers, touring bikes, sport cycles, trike conversions, custom cycles, class bikes, and more. 

Standard motorcycle coverages include:

  • Liability
  • Collision: Includes safety apparel coverage up to $1,500. 
  • Comprehensive: Includes Optional Equipment coverage up to $3,500+.

Additional coverages include:

  • Medical payments 
  • Increased limits on liability
  • Uninsured/underinsured motorist 
  • Replacement cost total loss settlement 
  • Increased limits on optional equipment coverage
  • Towing and roadside assistance, with trip interruption coverage
  • Coverage on transport trailers, valued up to $7,500

Farmers offers personal umbrella policies with benefits such as worldwide coverage, coverage for libel, slander, or defamation of character, and coverage for defense costs and attorney fees. 

Farmers offers person umbrella policy limits from $1 million to $5million. 

Farmers has partnered with Pet Best to provide their customers with pet insurance that will cover the cost of veterinary bills for unexpected accidents, illnesses, and emergency care. There also offer optional coverages for routine check-ups and preventative care. 

Farmers and Pet Best offer the following coverage:

  • Accident and Illness Plans: Offers comprehensive cover for injuries, illnesses (such as allergies and diabetes), surgeries, hereditary and congenital conditions, prescriptions, cancer treatments, acupuncture and chiropractic care, and physical rehab. 
  • Routine/Wellness Coverage: Must have an accident and illness plan to purchase; covers annual wellness exams, routine shots, flea/tick/heartworm medications, spaying & neutering, routine diagnostic tests, routine dental cleanings, and micro-chips. 
  • Specialized Coverage Plans: Accident only plan to cover broken legs, snake bites, accidental swallowing, etc. 

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Company History

Headquartered in Los Angeles, California, Farmers Insurance Group was founded in 1928. Parent company of 21st Century, Farmers currently serves more than 10 million households, with more than 20 million individual policies, and employs over 50,000 agents, and has almost 24,000 employees. Farmers specializes in auto, homeowners, renters, property & liability as well as business services.

Farmers Reviews

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Most Positive Review
By Joe
November 25, 2017

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
February 19, 2018

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