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Farmers

Farmers Car Insurance

Full Star Full Star Full Star Half Star Empty Star 3.5
524 reviews
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Farmers Car Insurance Information

Insurify Composite Score 85
Number of discounts 36
Number of reviews 506
User Rating 3.4
A.M. Best A
Standard & Poor’s A
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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Farmers Auto Insurance Quotes

State Average Monthly Cost
Hawaii $113

Ratings

InsurifyComposite Score
What's this?
U.S Auto Insurance Shopping Study (2018)
Options Results
Overall Satisfaction About average
Policy Offerings About average
Pricing About average
Local Agent About average
Insurer Website About average
U.S Auto Insurance Claims Satisfaction Study (2018)
Options Results
Overall Satisfaction About average
First Notice of Loss (FNOL) About average
Claim Servicing About average
Estimation Process About average
Repair Process The rest
Rental Experience About average
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 Ratings
Brand Ratings User reviews
Mobile App (iOS)
Full Star Full Star Full Star Full Star Full Star 4.8
538
Mobile App (Android)
Full Star Full Star Full Star Full Star Empty Star 3.6
2,565
Insurify
Full Star Full Star Full Star Empty Star Empty Star 3.4
506
Trust Pilot
Trust Pilot Stars
TrustScore 3.3
18
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, EV/Hybrid Discount, Preferred payment discount

Discount Type Discount %
Multiple Policy Discount up to 10%
EV/Hybrid Discount up to 5%
Preferred payment discount Varies
Early Quote Discount Varies
Home Owner Discount Varies
Provider Switch Discount Varies
Paid in full discount Varies
Mature driver discount Varies
Professional organization discount Varies
Senior Adult Discount Varies
Paperless documents 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
On Your Own Discount Varies
Organization 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
Youth Driving 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
Anti-lock Brake Discount Varies

Payment Methods

  • Complete Tick Multi-Payment Installment Plans
  • Complete Tick Electronic Check
  • Complete Tick Debit Card Payments
  • Complete Tick Automatic Online Payment
  • Complete Tick Mobile App Payments
  • Complete Tick Phone Payment
  • Complete Tick Mail Payment
  • Complete Tick Credit Card Payment
  • Complete Tick Online Payment
  • Complete Tick In Person Payment

Features and Services

 Farmers insurance agents are available for claims support 24 hours a day, 7 days a week. Farmers' policyholders have access to the company's extensive Inner Circle network, which includes services such as car shopping and roadside assistance. Customers can stay connected with Farmers and their Inner Circle with the Farmers Insurance Mobile App, which lets them manage policies, file claims, contact an 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
  • Roadside assistance Roadside assistance
  • Flexible / convenient payments Flexible / convenient payments

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 Reimbursement
  • Complete Tick Roadside Assistance
  • Complete Tick Small Claim Forgiveness
  • Complete Tick Umbrella Policy
  • Complete Tick Antique or Collector Car Insurance
  • Complete Tick Vanishing Deductible
  • Complete Tick Original Equipment Manufacturer Coverage
  • Complete Tick Ridesharing Coverage
  • Complete Tick Emergency Lockout Coverage

Farmers Insurance by State

  • Renters Insurance
  • Home / Condo Insurance

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

SR‌-22 Insurance by State

Farmers Insurance Products

Learn more about Farmers Life Insurance.

auto  Car Insurance

In addition to standard coverage, Farmers offers a variety of additional coverage options so you can truly make your policy your own.

Farmers offers the following standard car insurance coverages:

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

Farmers also offers 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 two 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 shop 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. 

classic  Classic Car Insurance

Farmers classic car insurance provides more coverage than a regular car insurance policy so you can be sure you have 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 or 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.

home  Home Insurance

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. 

condo  Condo Insurance

Farmers insurance allows you to pick specific coverage options for your condominium, personal belongings, and 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.

earthquake  Earthquake Insurance

Farmers offers earthquake insurance to families living in both earthquake-prone and non-prone areas. 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, replacement of your personal belongings, and relocating you if your home is uninhabitable after an earthquake. 

flood  Flood Insurance

Farmers offer residential and commercial lines of flood insurance so you can cover your home and business with one company. 

Farmers offers 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

mobile  Mobile Home Insurance

Farmers provides specialized mobile home policies with the following coverages:

  • 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

rental  Renters Insurance

Renters insurance from Farmers 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. 

life  Life Insurance

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 three 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 three 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 two 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. 

business  Business Insurance

Farmers allows business owners to customize their commercial insurance policies to their needs. Farmers offers the following standard business insurance coverages:

  • 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 

recreational  Recreational Insurance

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

Each coverage option comes with a variety of policy packages to choose from, such as the Marine Choice Saver Package, Marine Choice Plus, and Marine Choice Elite. 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 

moto  Motorcycle Insurance

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.

umbrella  Umbrella Insurance

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 $5 million.

pet  Pet Insurance

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. Farmers also offers optional coverages for routine check-ups and preventative care. 

Farmers and Pet Best offer the following coverages:

  • 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. 

FAQs - Farmers Car Insurance

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How is Insurify different from other insurance quote comparison sites?

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Company History

Headquartered in the greater Los Angeles area, Farmers Insurance Group was founded in 1928. 

Farmers serves more than 10 million households with more than 19 million individual policies. It employs over 48,000 exclusive and independent agents across the country and boasts around 21,000 employees.

Farmers specializes in auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance, and more, as well as financial services.

A.M. Best gives Farmers a financial strength rating (FSR) of "A," signaling above-average financial health and ability to pay out claims.

According to the J.D. Power & Associates U.S. Auto Claims Satisfaction Study, Farmers has a rating of 4.5 out of 5 for overall customer satisfaction. 

Contact Information

Headquarters address: 6301 Owensmouth Avenue, Woodland Hills, CA 91367

Phone number: (888) 327-6335

Website: www.farmers.com

How to Cancel Your Farmers Car Insurance Policy

You will need to contact your local agent. If you don't know who your local agent is, you can look them up on the "Find an Agent" page on the company website. You can also request a new agent this way. If you cannot reach your agent, call customer service at 888-327-6335 Monday through Friday at 7:00 a.m. to 11:00 p.m. Central, Saturday-Sunday 8:00 a.m. to 8:00 p.m. Central.

Farmers Reviews

★ ★★ ★★
3.5
524 user reviews
5 Stars
36% Complete
36%
4 Stars
8% Complete
8%
3 Stars
10% Complete
10%
2 Stars
10% Complete
10%
1 Star
37% Complete
37%
Write a Review
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

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