- Farmers auto insurance: Overall verdict
- Farmers availability and average premiums by state
- What auto insurance coverages does Farmers offer?
- How does Farmers rank?
- How much is Farmers auto insurance?
- Farmers car insurance costs by state
- Farmers car insurance costs for teens
- Farmers car insurance costs for adults
- Farmers car insurance costs for seniors
- Farmers car insurance rates for drivers with tickets, accidents and poor credit
- Farmers insurance discounts and ways to save
- What do people ask about Farmers?
- Sources & Methodology
Farmers auto insurance: Overall verdict
Farmers is one of the largest insurance companies in the U.S., with policies available in all 50 states and Washington, D.C. Farmers received an overall score of 3.52 out of 5 stars in the Best Car Insurance Companies of 2026, where we compared insurance carriers in key areas such as customer satisfaction, pricing, and third-party ratings. Farmers ranked seventh on our annual list. Its prices are higher than the national average, but customers plan to renew at a high rate.
Farmers has an AM Best rating of A, indicating an excellent ability to meet its financial obligations, such as paying claims. Its complaint ratio with the National Association of Insurance Commissioners (NAIC) is slightly above average for a company of its size.
Farmers availability and average premiums by state
| State | Coverage | Average annual premium |
|---|---|---|
| Alabama | Full Coverage | $3,024 |
| Alabama | Liability Only | $1,163 |
| Alabama | Non-Owners | $659 |
| Alabama | State Minimum | $824 |
| Alaska | - | - |
| Arizona | Full Coverage | $2,865 |
| Arizona | Liability Only | $1,535 |
| Arizona | Non-Owners | $574 |
| Arizona | State Minimum | $840 |
| Arkansas | Full Coverage | $2,869 |
| Arkansas | Liability Only | $1,019 |
| Arkansas | Non-Owners | $540 |
| Arkansas | State Minimum | $670 |
| California | Full Coverage | $3,409 |
| California | Liability Only | $1,482 |
| California | Non-Owners | $242 |
| California | State Minimum | $1,010 |
| Colorado | Full Coverage | $3,615 |
| Colorado | Liability Only | $1,502 |
| Colorado | Non-Owners | $552 |
| Colorado | State Minimum | $726 |
| Connecticut | Full Coverage | $3,498 |
| Connecticut | Liability Only | $1,366 |
| Connecticut | Non-Owners | $1,751 |
| Connecticut | State Minimum | $1,342 |
| Delaware | - | - |
| Florida | Full Coverage | $4,777 |
| Florida | Liability Only | $2,475 |
| Florida | Non-Owners | $1,693 |
| Florida | State Minimum | $1,140 |
| Georgia | - | - |
| Hawaii | Full Coverage | $1,746 |
| Hawaii | Liability Only | $650 |
| Hawaii | State Minimum | $471 |
| Idaho | Full Coverage | $1,636 |
| Idaho | Liability Only | $515 |
| Idaho | Non-Owners | $355 |
| Idaho | State Minimum | $393 |
| Illinois | - | - |
| Indiana | Full Coverage | $2,190 |
| Indiana | Liability Only | $948 |
| Indiana | Non-Owners | $569 |
| Indiana | State Minimum | $738 |
| Iowa | - | - |
| Kansas | Full Coverage | $2,363 |
| Kansas | Liability Only | $747 |
| Kansas | Non-Owners | $526 |
| Kansas | State Minimum | $639 |
| Kentucky | Full Coverage | $5,954 |
| Kentucky | Liability Only | $2,055 |
| Kentucky | Non-Owners | $1,640 |
| Kentucky | State Minimum | $1,549 |
| Louisiana | Full Coverage | $4,627 |
| Louisiana | Liability Only | $2,373 |
| Louisiana | State Minimum | $1,856 |
| Maine | Full Coverage | $2,196 |
| Maine | Liability Only | $422 |
| Maine | State Minimum | $405 |
| Maryland | - | - |
| Massachusetts | Full Coverage | $2,807 |
| Massachusetts | Liability Only | $758 |
| Massachusetts | Non-Owners | $207 |
| Massachusetts | State Minimum | $549 |
| Michigan | - | - |
| Minnesota | - | - |
| Mississippi | - | - |
| Missouri | - | - |
| Montana | Full Coverage | $2,984 |
| Montana | Liability Only | $1,036 |
| Montana | Non-Owners | $402 |
| Montana | State Minimum | $495 |
| Nebraska | - | - |
| Nevada | Full Coverage | $3,712 |
| Nevada | Liability Only | $2,283 |
| Nevada | Non-Owners | $1,017 |
| Nevada | State Minimum | $1,305 |
| New Mexico | Full Coverage | $2,765 |
| New Mexico | Liability Only | $1,152 |
| New Mexico | Non-Owners | $428 |
| New Mexico | State Minimum | $610 |
| New York | - | - |
| North Carolina | Full Coverage | $2,479 |
| North Carolina | Liability Only | $795 |
| North Carolina | Non-Owners | $672 |
| North Carolina | State Minimum | $705 |
| North Dakota | - | - |
| Ohio | Full Coverage | $2,103 |
| Ohio | Liability Only | $765 |
| Ohio | Non-Owners | $470 |
| Ohio | State Minimum | $580 |
| Oklahoma | Full Coverage | $3,020 |
| Oklahoma | Liability Only | $1,078 |
| Oklahoma | Non-Owners | $512 |
| Oklahoma | State Minimum | $638 |
| Oregon | Full Coverage | $2,587 |
| Oregon | Liability Only | $1,207 |
| Oregon | Non-Owners | $1,311 |
| Oregon | State Minimum | $1,063 |
| Pennsylvania | - | - |
| Rhode Island | Full Coverage | $3,939 |
| Rhode Island | Liability Only | $1,234 |
| Rhode Island | Non-Owners | $1,247 |
| Rhode Island | State Minimum | $1,209 |
| South Carolina | - | - |
| South Dakota | Full Coverage | $2,796 |
| South Dakota | Liability Only | $778 |
| South Dakota | Non-Owners | $726 |
| South Dakota | State Minimum | $690 |
| Tennessee | Full Coverage | $2,190 |
| Tennessee | Liability Only | $787 |
| Tennessee | Non-Owners | $482 |
| Tennessee | State Minimum | $597 |
| Texas | Full Coverage | $4,260 |
| Texas | Liability Only | $1,514 |
| Texas | Non-Owners | $757 |
| Texas | State Minimum | $893 |
| Utah | Full Coverage | $2,752 |
| Utah | Liability Only | $1,298 |
| Utah | Non-Owners | $812 |
| Utah | State Minimum | $1,010 |
| Virginia | Full Coverage | $5,319 |
| Virginia | Non-Owners | $1,501 |
| Washington | Full Coverage | $2,232 |
| Washington | Liability Only | $1,055 |
| Washington | Non-Owners | $550 |
| Washington | State Minimum | $505 |
| Washington, D.C. | - | - |
| Wisconsin | Full Coverage | $2,664 |
| Wisconsin | Liability Only | $820 |
| Wisconsin | Non-Owners | $504 |
| Wisconsin | State Minimum | $600 |
| Wyoming | Full Coverage | $1,623 |
| Wyoming | Liability Only | $389 |
| Wyoming | Non-Owners | $380 |
| Wyoming | State Minimum | $329 |
*Some state rates will vary based on the addition of a hurricane deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. and may be much higher when included.
What auto insurance coverages does Farmers offer?
Farmers offers a full range of car insurance policies to meet most drivers’ needs. This includes everything from full coverage car insurance to rideshare endorsements and coverage for your classic car.
All primary car insurance coverage options are available:
- Liability
- Collision
- Comprehensive
- Personal injury protection (PIP) and medical payments (MedPay)
- Uninsured and underinsured motorist coverage
Additional coverage offerings:
- 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.
How does Farmers rank?
Farmers landed at eighth in our 2026 ranking. It has good ratings in most areas of the survey, but doesn’t excel in any one category other than customers’ plan to renew. Its average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. is $491, higher than the national average.
Take a look at the table below to see how Farmers stacks up against major competitors.
| Company | AM Best | Customer satisfaction | NAIC | Monthly premium | Overall score |
|---|---|---|---|---|---|
| Farmers | A | 84% | 1.239 | $257 | 3.52 |
| Travelers | A++ | 89% | 0.625 | $175 | 4.55 |
| GEICO | A++ | 83% | 0.603 | $179 | 4.5 |
| Nationwide | A | 88% | 0.636 | $205 | 4.19 |
| Progressive | A+ | 78% | 0.604 | $223 | 4.05 |
| Amica | A+ | 77% | 0.588 | $231 | 4.02 |
| State Farm | A+ | 84% | 0.869 | $239 | 3.91 |
| Allstate | A+ | 83% | 1.2 | $267 | 3.57 |
| USAA* | A++ | 90% | 1.164 | $131 | 4.53 |
*USAA is only available to military members, veterans and their families, and as a result is not ranked.
**The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-average number of complaints.
How much is Farmers auto insurance?
The average cost of a full coverage policy for a 40-year-old driver with Farmers is $3,085. Compare that to Progressive, which has an annual average premium of $2,675 and Travelers with an average premium of $2,103.
The table below shows how these companies compare in price. Premiums are based on 100/300/100 in coverage with $500 deductibles for a 40-year-old driver with a good driving record. Remember, prices vary depending on your age, where you live, and your driving record.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| Farmers | $3,085 | $257 |
| Allstate | $3,205 | $267 |
| Amica | $2,767 | $231 |
| GEICO | $2,148 | $179 |
| Nationwide | $2,463 | $205 |
| Progressive | $2,675 | $223 |
| State Farm | $2,874 | $239 |
| Travelers | $2,103 | $175 |
| USAA | $1,572 | $131 |
Farmers car insurance costs by state
Drivers will pay the most in Kentucky and Virginia for a Farmers policy and will get the best deal in Wyoming and Idaho.
One of the biggest factors in how much you’ll pay for car insurance is where you live. Insurance companies look at your age, gender, driving record, and also the weather, crime, traffic and claims patterns of your ZIP code.
The table below shows car insurance rates by state for a Farmers policy.
| State | State minimum | Liability (50/100/50) | Full coverage 100/300/100; $500 deductible |
|---|---|---|---|
| Alabama | $824 | $1,163 | $3,024 |
| Arkansas | $670 | $1,019 | $2,869 |
| Arizona | $840 | $1,535 | $2,865 |
| California | $1,010 | $1,482 | $3,409 |
| Colorado | $726 | $1,502 | $3,615 |
| Connecticut | $1,342 | $1,366 | $3,498 |
| Florida | $1,140 | $2,475 | $4,777 |
| Hawaii | $471 | $650 | $1,746 |
| Idaho | $393 | $515 | $1,636 |
| Indiana | $738 | $948 | $2,190 |
| Kansas | $639 | $747 | $2,363 |
| Kentucky | $1,549 | $2,055 | $5,954 |
| Louisiana | $1,856 | $2,373 | $4,627 |
| Massachusetts | $549 | $758 | $2,807 |
| Maine | $405 | $422 | $2,196 |
| Montana | $495 | $1,036 | $2,984 |
| North Carolina | $705 | $795 | $2,479 |
| New Hampshire | $647 | $640 | $2,784 |
| New Jersey | $1,228 | $1,168 | $2,712 |
| New Mexico | $610 | $1,152 | $2,765 |
| Nevada | $1,305 | $2,283 | $3,712 |
| Ohio | $580 | $765 | $2,103 |
| Oklahoma | $638 | $1,078 | $3,020 |
| Oregon | $1,063 | $1,207 | $2,587 |
| Rhode Island | $1,209 | $1,234 | $3,939 |
| South Dakota | $690 | $778 | $2,796 |
| Tennessee | $597 | $787 | $2,190 |
| Texas | $893 | $1,514 | $4,260 |
| Utah | $1,010 | $1,298 | $2,752 |
| Virginia | N/A | N/A | $5,319 |
| Washington | $505 | $1,055 | $2,232 |
| Wisconsin | $600 | $820 | $2,664 |
| West Virginia | $868 | $901 | $2,801 |
| Wyoming | $329 | $389 | $1,623 |
Farmers car insurance costs for teens
The average cost of a Farmers car insurance policy for teens aged 16-19 is $11,628 per year. Teenagers are generally the most expensive age group to insure and Farmers is no different, but Farmers’ rates are higher than many competitors.
Take a look at the table below to see how much Farmers costs for auto insurance for teens compared to other age groups. Note that as you approach middle age, rates drop.
| Company | Teens (16-19) | Young adults (20-24) | 40-year-old adult |
|---|---|---|---|
| Farmers | $11,628 | $4,595 | $3,085 |
| Allstate | $9,895 | $4,811 | $3,205 |
| Amica | $9,594 | $4,704 | $2,767 |
| GEICO | $6,112 | $3,186 | $2,148 |
| Nationwide | $7,821 | $3,824 | $2,463 |
| Progressive | $10,196 | $4,372 | $2,675 |
| State Farm | $7,922 | $4,624 | $2,874 |
| Travelers | $6,417 | $3,270 | $2,103 |
| USAA | $5,267 | $2,492 | $1,572 |
Farmers car insurance costs for adults
Farmers premiums average $3,522 a year for a male and $3,311 a year for a female at age 25. At age 40, those rates go down to $3,040 a year for a male and $3,130 a year for a female.
Overall, middle-aged adults will see insurance rates decline, with women starting to pay slightly more as they approach their 40s and 50s.
While rates can vary slightly by insurance company, adults pay some of their cheapest rates around the age of 55 to 60. At 55, Farmers’ average annual rate is $2,759 for males and $2,746 for females.
Here’s what adults can expect to pay for full coverage car insurance with Farmers at various ages.
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 25 | $3,522 | $3,311 |
| 30 | $3,237 | $3,158 |
| 35 | $3,120 | $3,113 |
| 40 | $3,040 | $3,130 |
| 45 | $2,931 | $3,052 |
| 50 | $2,845 | $2,889 |
| 55 | $2,759 | $2,746 |
| 60 | $2,733 | $2,668 |
Farmers car insurance costs for seniors
The average cost of a Farmers car insurance policy at age 65 is $2,776 a year for a male and $2,732 for a female.
Seniors start to pay more once they reach age 65. Seniors are statistically more likely to be involved in an accident as they age. This means higher prices. Senior women will play a little less than men.
Take a look at senior car insurance rates below.
| Age | Average annual premium, male | Average annual premium, female |
|---|---|---|
| 65 | $2,776 | $2,732 |
| 70 | $3,038 | $2,916 |
| 75 | $3,273 | $3,122 |
Farmers car insurance rates for drivers with tickets, accidents and poor credit
Farmers’ rates for drivers with poor credit are about 50% higher than for drivers with a clean driving record, indicating that the company gives poor credit a significant weight in its rate calculations.
You will pay less for car insurance if you have a good driving record. Speeding tickets, at-fault accidents and other moving violations all increase your rates. There are other factors that insurance companies look at, too, to determine your rates, such as your credit score.
Farmers insurance discounts and ways to save
Farmers offers a solid list of auto insurance discounts that can help bring down high car insurance rates.
Auto and home bundling is a common discount, and Farmers offers a discount of 11% on average. Here’s a look at some of the discounts available from Farmers car insurance.
- Shared family car
- Airbags
- Anti-theft device
- Advance purchase
- Autopay (EFT)
- Homeowner
- Loyalty
- Marital status
- Multi-policy
- Epolicy (paperless)
- Good payer
- Youthful driver
- On your own
- Good student
- Distance student
- Five-year accident-free
- Mature driver/defensive driver/senior driver
- Pay in full
What do people ask about Farmers?
Why did my Farmers car insurance rate go up?
The reason your Farmers car insurance rate went up depends on your situation. In general, car insurance rates go up when you get a speeding ticket, have an accident or file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing.. If you’ve moved to a new area where weather, traffic, or crime patterns carry increased risk, this could translate to higher claims as well.
If you haven’t had a change to your personal driving record, chances are Farmers’ prices have increased because of overall higher claims costs.
Why is my Farmers auto insurance so expensive?
There are several reasons your rate with Farmers might be expensive. It could be your driving record, a change in your household, or even something unrelated to you, like an increase in risk in your area. If you feel your rate is unfairly high, speak to your Farmers agent and consider shopping around; another company might be cheaper for you.
Is Farmers a good auto insurance company?
Farmers has solid customer satisfaction and third-party ratings. It has been around for a long time and is one of the largest insurance companies in the U.S. What makes an insurance company good for you depends on what you value most. If a low rate is your top priority, Farmers might not be a good pick for you.
Sources & Methodology
Methodology
We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- Excellent, fair and poor credit
- All available traffic violations
- One or more at-fault accidents
Survey data from our annual customer survey and third-party ratings were used to create each company's overall score.
Learn more about our data and methodology.
Sources
Farmers Insurance. “Car insurance discounts.” Accessed March 2026.
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