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Farmers Insurance Reviews

Updated on :
| By : Leslie Kasperowicz
Key features of Farmers Insurance
  • New Car Replacement Coverage
  • Accident forgiveness
Farmers Insurance review highlights:
  • Farmers is one of the largest insurance companies in the U.S. and writes a wide variety of policies
  • Although rates are higher than average, Farmers offers a long list of discounts
  • Policies are available in all 50 states and D.C.
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Overview

Farmers was founded in 1928, initially to serve, as the name implies, farmers. The company expanded to the general public and grew over the years to write home, auto, life and many other forms of insurance through a large group of companies.

Farmers' subsidiaries include Foremost, a specialty insurance company, and Mid-Century Insurance. The company also absorbed MetLife’s auto and home insurance business in 2021.

As of a July 2022 report from the National Association of Insurance Commissioners (NAIC), Farmers is the seventh-largest auto insurance company in the nation, with 4.76% of the market share. That share has been going down in recent years.

Pros and cons of Farmers Insurance

Pros:
  • Farmers is a large company with a long, stable history
  • Farmers Insurance claims satisfaction ratings with J.D. Power are above average
  • Bundling discounts are available across a variety of policies
Cons:
  • Farmers rates are well above average
  • Market share is shrinking, which may point to issues

Customer Satisfaction Ratings

(140 reviews)
Overall Score
3.5/5
70% Recommend to a Friend
91% Plan to Renew
A- A.M. Best Financial Strength Ratings Jun 13, 2022
Ratings as of Jun 13, 2022 J.D. Power Auto Claims Satisfaction Rating, 2022 : 882/1000
Claims Processing 3.5/5
Customer Service 3.5/5
Value for Price 3/5
Website & Apps 3.5/5
Reviews are yet to be taken.

What states is Farmers Insurance available in?

Farmers Insurance operates in all 50 states, as well as in Washington, D.C., through a network of local agents.

Types of coverage available from Farmers

  • Auto
  • Homeowners
  • Life
  • Collectible auto
  • Motorcycle
  • Travel trailer/RV
  • Motorhome
  • Ridesharing endorsement
  • Renters
  • Condominium
  • Mobile home
  • Specialty home
  • ATV/Off-road vehicles
  • Umbrella liability

Offerings vary by state.

Farmers auto insurance coverage

A Farmers auto insurance policy provides all of the basics you would expect, along with a long list of added options. Every policy will include coverage that’s legally required; depending on the state, that can include:

  • Liability
  • Personal injury protection (PIP)
  • Medical payments (MedPay)
  • Uninsured/underinsured motorist (UM/UIM)

It also provides comprehensive and collision coverage as part of a standard full coverage policy. You can customize your coverage with the following options:

  • Towing and roadside service
  • Rental car reimbursement
  • Rideshare coverage
  • Loss of use
  • Guaranteed value
  • Customized equipment
  • Glass deductible buyback
  • Full windshield and glass coverage
  • Spare parts coverage
  • Original Equipment Manufacturer (OEM)
  • New car replacement

Offerings vary by state.

Some of these are part of the Farmers Policy Perks program and may come at no additional cost.

Farmers auto insurance discounts

  • Homeowner
  • Anti-lock brakes
  • Multi-policy
  • Multi-car
  • Distant student
  • Youthful driver (under 25)
  • Defensive driver/Mature driver/Senior driver
  • ePolicy/Paperless
  • Good student
  • Affinity group
  • Alternative fuel
  • Anti-theft device
  • Homing device
  • VIN etching
  • Passive restraint
  • Daytime running lights
  • Electronic funds transfer (EFT)
  • Pay in full
  • Safe driver
  • On your own (splitting from an existing household)
  • Shared family car
  • Good payer

Offerings vary by state.

Other options from Farmers

To help you keep rates low, Farmers offers a few other options:

  • Signal, a usage-based program that records driving habits for a discount
  • Accident forgiveness, which prevents rates from going up after an at-fault accident

How much is Farmers car insurance?

Farmers doesn't position itself as a budget insurance company, but is Farmers Insurance expensive compared to national average rates? We’ve compared them below for three coverage levels, based on 2022 Insurance.com data.

State Minimum Liability Only50/100/50 Liability Only100/300/100 Liability with $500 Comp/Coll Deductible
Farmers$751$956$2,308
National average$508$624$1,636

Although rates vary from person to person and by location, Farmers rates are much higher on average.

What would make Farmers customers switch?

We surveyed more than 4,000 auto insurance customers about how much they would need to save before switching from their insurance companies.

13% Would never switch
1% Would switch if savings were $1000 or more
16% Would switch if savings were $500 or less
32% Would switch if savings were $250 or less
22% Would switch if savings were $100 or less
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Not all companies/options/discounts available in all states/situations. This description is an example and is subject to change. Verify all details before purchase. Logos, trademarks and service marks are owned by the respective companies represented on this web page.

Frequently asked questions: Farmers Insurance

Does Farmers offer gap insurance?

No, Farmers doesn’t currently offer gap insurance but does offer new car replacement coverage.

Does Farmers Insurance cover rental cars?

Your Farmers policy will cover you up to the limits of your policy when driving a rental car in the U.S. and Canada.

Is Farmers a good company?

Farmers insurance reviews vary, but the company generally has good ratings, but what makes a company good for one person may not matter to another. It’s important to compare your options closely.

Farmers claims and contact information

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