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Farmers Insurance Reviews

In a comprehensive review, our team rates Farmers Insurance 4.3 out of 5.0 stars for its good customer reviews and comprehensive car coverage options.

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09/20/2023 03:24 PM

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Farmers has been offering insurance products since 1928, but is the insurer the right choice to protect your vehicle? In this review, our team takes a closer look at Farmers insurance reviews, coverage options, average rates, and more to see how it compares to the industry’s best car insurance companies.

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Farmers Insurance Review

We rate Farmers 4.3 out of 5.0 stars. Its comprehensive car insurance coverage, nationwide availability, positive Farmers insurance reviews, and A- financial strength rating from AM Best make it a smart choice for many drivers looking to insure their vehicle. However, you may be able to find more affordable rates from another top insurer.

Reviews Category Rating Score
Cost 4.0
Coverage 4.5
Reliability 4.4
Service 4.4
Overall Rating 4.3

About Farmers Insurance

Founded: 1928
Parent company: Zurich Insurance Group
States available: All states
AM Best financial strength rating: A-

For nearly 100 years, Farmers Insurance Group has been providing top-rated insurance coverage to customers. Today, Farmers offers coverage nationwide through its network of over 48,000 local agents. Insurance products offered through Farmers include:

  • Auto insurance
  • Homeowners insurance
  • Renters insurance
  • Landlord and rental properties insurance
  • Life insurance
  • Business insurance
  • Motorcycle insurance
  • Recreational insurance
  • Umbrella insurance

Farmers Insurance Customer Reviews

Better Business Bureau (BBB) rating: A
BBB complaints in the past three years: 981
J.D. Power customer satisfaction index: 893 / 1,000
Trustpilot rating: 2.0 / 5.0

Farmers insurance reviews from customers tend to be mixed. However, with an A- rating from AM Best and an A rating from the BBB, the company has a sound industry reputation. The insurer has a 2.0-star consumer rating on Trustpilot and a 1.4-star rating from customers on the BBB. It is important to note that neither site has a large number of reviews for the provider, so this is not representative of all Farmers policyholders.

Below are some sample positive reviews and complaints about Farmers Insurance’s services:

Positive Farmers Insurance Reviews

“I just switched my home, auto, motorcycle, and horse trailer [insurance] to Farmers. [The customer service representative] patiently reviewed my current coverage, took away things I didn’t need, and [added] things I should have. So professional and [Farmers] truly cares about you as an individual.”
– Kat T. via Trustpilot

“Great company with a solid, financially sound product at a great price. I’m very pleased with my experience and I almost cut my auto rates in half for more coverage.”
– Eddie H. via BBB

Farmers Insurance Complaints

“After being pressured to take my truck to their ‘preferred’ body shop, I’m still waiting and it’s been five weeks. A repair that should have taken one week, ten [days] at most, has dragged on for over a month with no end in sight.”
– Anthony A. via BBB

“It’s impossible to get anyone on the phone after filing a claim. I [had] to leave 4 to 5 voicemails before anyone would call back.”
– Jade D. via BBB

Farmers Insurance Claims Reviews

On the other hand, Farmers performed well in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠, highlighting its positive insurance claims experience. Farmers ranked fifth overall and scored 893 out of 1,000 points, which is above the industry average.

Farmers Car Insurance Rates

Based on our rate estimates, full coverage auto insurance from Farmers costs about $2,032 per year. The insurer’s average cost is 17 percent higher than the national average, which is $1,732 per year for a full coverage policy.

Farmers Car Insurance Rates: Estimates By State

To give you a better idea of what you may pay with the provider, the table below highlights the average cost in a number of states where Farmers auto insurance is available. These estimates are based on a 35-year-old driver with a clean driving record and good credit.

State Annual Rate Estimate State Annual Rate Estimate
Alabama $2,195 Arizona $2,064
Arkansas $1,487 California $2,963
Colorado $2,508 Florida $3,715
Hawaii $1,464 Idaho $1,579
Illinois $2,067 Kansas $1,854
Minnesota $1,709 Missouri $2,164
Montana $2,294 Nebraska $1,920
Nevada $3,135 New Jersey $3,084
New Mexico $1,828 North Dakota $1,465
Oklahoma $1,830 Oregon $1,872
South Dakota $1,860 Tennessee $1,518
Texas $1,278 Utah $2,116
Washington $1,353 Wyoming $1,522

*Farmers auto insurance cost information not available for all states.

It’s important to note that these are estimates and the rates you receive will vary. The best way to determine how much you’ll pay is to get a personalized car insurance quote. There are multiple factors that commonly affect the cost of insurance, which include:

  • Age
  • Driving history
  • Credit score
  • Gender
  • Location
  • Annual mileage
  • Marital status
  • Type of vehicle

Farmers Auto Insurance Discounts

Farmers insurance reviews mention the company’s range of discounts that can help make your auto insurance policy as affordable as possible. Farmers auto policy discounts include:

Multiline Get a multi-policy discount when you bundle at least one additional Farmers policy with your auto insurance, such as a homeowners insurance policy.
Multicar Save money when you insure more than one vehicle with Farmers.
Affinity Receive a discount if you’re part of certain businesses or organizations or if you’re a military member.
ePolicy Save on your premium by enrolling in ePolicy.
Good Payer Get a discount if you have no billing late fees within the last 12 months (not available in California).
Safe Driver Receive a discount if you have zero bodily injury points on your policy.
Distant Student This discount is available if you have a student who goes to school at least 100 miles away and doesn’t regularly use the covered vehicle.
Good Student This discount is offered to students with a 3.0 GPA or higher, those on the Dean’s list or honor roll, or students in the top 20 percent of their class.
Shared Family Car Get a discount if you have more active drivers than vehicles in your household (not available in California).
Mature/Defensive/Senior Driver Receive a discount if you’re over 55 and you’ve completed state-approved safe driving training in the last three years (not available in all states).
Homeowner Save money on your auto policy if you’re a homeowner.
EFT This discount is offered to those who use automatic monthly payments to pay their policy bill.
Pay In Full Get a discount when you pay your premium in full at the start of the policy term.
Homing Device Receive a discount if you have a device installed to your vehicle that can track and locate your car if stolen (system must be approved by Farmers).
VIN Etching Get a discount if you have your vehicle identification number (VIN) etched on glass and other surfaces. This discount is not offered in all states.

Farmers has discounts for some additional vehicle safety features as well, such as antilock brakes, anti-theft devices, daytime running lights, airbags, and automatic seatbelts. However, these discounts are not available in all states.

Farmers Signal Discount

The Signal app offers Farmers customers the opportunity to earn an initial five percent discount for safe driving. You can then save 15 percent each time your policy renews as well as another 10 percent for enrolling drivers under 25 in your household.

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Farmers Auto Insurance Coverage

Farmers Insurance offers the six standard types of coverage:

Liability Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.
Collision Collision coverage pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or if you flip your vehicle.
Comprehensive Comprehensive coverage pays for damages to your own vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.
Medical Payments Medical payments (MedPay) covers medical bills for you and your passengers after an accident.
Personal Injury Protection Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.
Uninsured/Underinsured Motorist Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

Farmers Car Insurance: Additional Coverage Options

The company offers a range of add-on coverage options, which include:

Rideshare Insurance Coverage for Uber and Lyft drivers
Towing and Roadside Assistance Provides services for towing, lockouts, jump-starts, and fluid delivery
Loss of Use Covers a certain amount of transportation costs while your car is repaired
Guaranteed Value™ Pays an agreed-upon value if your car is a total loss
Customized Equipment Covers cost to repair/replace aftermarket equipment
Personal Umbrella Additional liability coverage to protect your assets from lawsuits
Glass Deductible Buyback Covers repair/replacement of windshield and glass ($100 deductible)
Full Windshield and Glass Coverage $0 deductible on glass repair/replacement
Spare Parts Coverage Covers cost to replace spare parts up to $750
Original Equipment Manufacturer (OEM) Covers cost of using factory-original parts
New Car Replacement Coverage Covers the cost to replace your car with a new one of the same make/model
Accident Forgiveness Forgiveness of one at-fault accident every three years

Does Farmers Insurance Cover Rental Cars?

Your Farmers auto insurance policy will cover rentals cars. However, this coverage is limited to the terms of your personal car insurance policy. This can work out fine if you own a luxury car that is covered under your policy, but if you have an old vehicle there may not be enough coverage for a rental. If your policy covers your rental you will usually only be required to pay a deductible if there is any damage. To find out your rental car coverage, You can either read your policy to find out what limits to coverage or call a Farmers agent.

How To Cancel Farmers Insurance

You can cancel your Farmers Insurance policy by calling an available agent at 888-327-6335, visiting your local Farmers office, or mailing a cancellation letter to: Farmers Customer Service, 6301 Owensmouth Avenue, Woodland Hills, CA 91367. You are able to cancel at any time, but be aware that you may be charged a $50 early cancellation fee. So if you are planning to cancel your policy it may be best to wait till close to the end of your Farmers Insurance policy term.

Farmers Insurance: Additional Coverage Options

Farmers Insurance offers more than just car insurance coverage and they have many options for life insurance and home insurance. Below we breakdown their homeowners and life insurance policy coverage offerings:

Farmers Home Insurance

Farmers offers three tiers for home insurance policies which include standard, enhanced, and premier plans. Their standard policies come with dwelling coverage, loss of use coverage, non-related weather damage coverage, personal property protection, and liability coverage. Flood and earthquake insurance is excluded from the standard policy but they are available as add-on options. For those renting or living in condos Farmers Insurance also offers specialized rental insurance coverage for liability, personal property, outbuildings, and displacement. Many discounts are also offered for homeowners policies including a multipolicy discount, claim free discount, claim forgiveness, and more.

Farmers Life Insurance

Farmers provides two types of life insurance policies which include term and permanent. Term life insurance policies include simple life insurance and value life insurance which are each offered for terms of 10,20 and 30 years. Simple life insurance policies do not require a medical exam or lab test and coverage starts at $75,000 while value term life insurance coverage starts at $150,000 with no maximum. There are four permanent life insurance options with farmers and they are as follows:

  • Farmers EssentialLife Simple Whole Life Insurance
  • Farmers Graded Benefit Whole Life insurance
  • Farmers Index Universal Life insurance

Farmers Insurance Mobile Apps

Using the Farmers mobile app, you can pay your policy bill, access your auto insurance ID card, start a claim, and more. The app is highly rated with a 4.8 out of 5.0-star rating on the App Store and a 4.6-star rating on Google Play.

Farmers Signal App

Farmers offers usage-based insurance through its Signal® app which offers discounts on your premiums for good driving.  To participate in the Signal program, call your Farmers agent. They can text you a link to download the Signal app so you can get started. The Signal usage-based insurance program is available in all states except Louisiana, Massachusetts, Mississippi, Missouri, and Oregon.

Farmers Auto Insurance Reviews: Conclusion

Our reviews team rates Farmers auto insurance 4.3 out of 5.0 stars for its many comprehensive coverage options for vehicles, great reputation, and nationwide availability. While the company does not have especially competitive rates, its coverage and good customer service reputation may be worth the cost. While Farmers can be a good choice for car insurance, we recommend searching around and comparing quotes before committing to a provider.

Farmers Auto Insurance Competitors: Top Picks

When you’re searching for the best and cheapest car insurance that will fit your needs, it’s best to get quotes from multiple providers before making a final decision. We recommend reaching out to Geico and USAA to find quality coverage at the best rates.

Geico: Best Overall Provider

Our review team names Geico the Best Overall Provider in 2022. As the second-largest insurer in the U.S., Geico has a standout industry reputation and a strong history of customer satisfaction. Geico has an A++ AM Best financial strength rating, highlighting its ability to reliably meet claims obligations, as well as an A+ BBB rating.

The insurer is known for offering some of the lowest average car insurance rates for many drivers along with a wide range of discount opportunities. It also offers usage-based insurance through its DriveEasy program, which can help safe drivers save on their premiums.

Read our Geico insurance review to learn more about the provider.

USAA: Best For Military Members

While USAA is only available to military members, veterans, and their families, it’s a great option for those who qualify. USAA consistently offers some of the most affordable rates nationwide and is known for offering quality auto insurance coverage.

USAA holds an A+ rating from the BBB and an A++ AM Best financial strength rating. The company also frequently receives high scores in J.D. Power customer satisfaction studies.

For more information, check out our USAA insurance review.

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Farmers Car Insurance Reviews: FAQ

Does Farmers Insurance have a good reputation?

Our review team rated Farmers’ Insurance 4.0 out of 5.0 stars. We took into account customer reviews and complaints via the BBB and Trustpilot, as well as the company’s A- ratings from the BBB and AM Best.

Is Farmers the most expensive insurance?

According to our rate estimates, Farmers auto insurance costs about $2,032 annually, which is 17 percent more than the national average. While prices vary based on several factors, Farmers insurance tends to be more expensive than many of its competitors.

What is the parent company of Farmers Insurance?

Zurich Insurance Group is the parent company of Farmers.

How long has Farmers Insurance been in business?

Farmers Insurance has been in business for nearly a century. The insurer has been providing multiple insurance products for the American public since 1928.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.