4.8out of 3,000+ reviews
Farmers Insurance is the seventh-largest car insurance provider in the U.S. by market share and is one of the first companies you’ll find when you search for car insurance providers. People have trusted Farmers for more than a century, earning the company high marks from J.D. Power and A.M. Best.
We’ll explore Farmers Insurance in this article, including coverage options, discounts, average costs, and user reviews. Drivers have plenty of choices when it comes to car insurance. Read on to learn whether a Farmers auto insurance policy is the best option for your needs.
The average cost of full-coverage car insurance with Farmers is $317 per month.
Farmers offers several discounts, including a good student discount.
Drivers who value financial strength should consider Farmers, while drivers who prioritize affordability may want to think twice about choosing Farmers.
What is Farmers car insurance?
Farmers Insurance has provided quality insurance products since 1928. The company started as a small family provider with a customer base of rural farmers. Nearly a century later, the company has grown into a major national insurer with more than 19 million policies written across all 50 states.
How does Farmers auto insurance work?
Insurance companies like Farmers protect policyholders’ assets by assuming financial risk in exchange for monthly premiums. A car is an expensive asset, and drivers risk damaging that asset every time they hit the road. Farmers Insurance reduces those risks by collecting monthly auto insurance payments in exchange for handling bills after an accident.
Farmers Insurance profits by collecting premiums for home, auto, and life insurance. Farmers doesn’t offer health insurance policies.
Farmers auto insurance coverage
Farmers Insurance offers a wide array of coverage options. Here are the different coverages you can add to your Farmers auto insurance policy:
Liability covers medical bills and repair costs for others in accidents where you’re at fault. All 50 states require liability coverage to varying degrees, which makes it a must-have for any driver.
Collision covers the cost of repairs to your vehicle in accidents where you’re at fault. Repairing your car after a crash can be costly, which is why many drivers protect themselves with collision insurance. If you total your car, Farmers will pay you the actual cash value of your car.
Comprehensive covers damage to your vehicle that isn’t collision-related, such as from wind, hail, fire, and theft. Comprehensive coverage is particularly useful for drivers who live in extreme climates or high-crime areas and want to be covered when the unexpected occurs.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage covers any losses from an accident caused by a motorist without sufficient insurance coverage. Many states require uninsured motorist coverage, though minimum coverage amounts vary.
Medical payments covers the medical bills for you or others in your car at the time of an accident. Medical payments insurance covers you regardless of who was at fault, which makes it a useful form of coverage to have.
Personal injury protection (PIP)
Personal injury protection (PIP) covers the cost of rehabilitation and lost wages after an accident. These costs can add up after an accident, which makes robust PIP a good idea for many motorists. Some states require this coverage.
Rental car reimbursement
Rental car reimbursement covers the cost of a rental car for up to 30 days while your car is in the shop for repairs. Rental car fees went up by 14% in 2022, which is why it’s useful to purchase a policy that will reduce those costs.
How to get a car insurance quote from Farmers
Getting car insurance quotes from several different companies is a great way to find an affordable policy. Follow these simple steps to receive a quote from Farmers:
Visit the Farmers website. Just enter your ZIP code, and click “Get a Quote” to start the online quote process. You can also call Farmers Insurance at 1-800-665-5108 to get a quote over the phone.
Provide personal information. Farmers will need to know what kind of car you drive, your typical commute and driving habits, and how many cars you’re looking to insure. Providing clear information can help your agent figure out if you qualify for discounts.
Have the necessary documents on hand. Be ready to provide your license plate number, driver’s license number, vehicle identification number (VIN), odometer reading, vehicle purchase date, and current insurance information.
Farmers car insurance cost by state
Car insurance requirements and prices vary depending on where you’re buying your policy. The table below shows the average monthly rate of full-coverage and liability-only car insurance from Farmers across several states. As you can see, rates differ significantly from state to state. For instance, drivers in California pay $215 more for Farmers full-coverage auto insurance than drivers in Indiana.
|State||Average Monthly Quote: Full Coverage||Average Monthly Quote: Liability Only|
Farmers auto insurance rates by driving history
Your driving history affects how much you pay for car insurance. Car insurance companies may increase your rates if your driving record includes moving violations or at-fault accidents. The table below shows how Farmers customers with tickets, at-fault accidents, and DUIs have higher rates for full-coverage and liability-only insurance than drivers with clean records.
|Driving History||Average Monthly Quote: Full Coverage||Average Monthly Quote: Liability Only|
Farmers car insurance cost by age
Farmers Insurance considers your age when determining your car insurance rates. Young drivers pay the most for car insurance, while older drivers have the lowest rates. The Centers for Disease Control and Prevention found that the risk of car accidents is higher among teen drivers, which explains why they pay the most on average.
The table below shows how the average rate from Farmers changes based on age. Averages below are based on both full-coverage and liability-only policies.
|Driver Age||Average Monthly Quote|
See Also: Compare Car Insurance by Age and Gender
Farmers car insurance discounts
Car insurance companies offer discounts to help customers reduce insurance costs. Here are Farmers’ car insurance discounts:
Good student discount: Full-time students between the ages of 16 and 24 who maintain grades over a B or who make the honor roll (or equivalent academic distinctions) can earn a good student discount.
Multi-car discount: Drivers with two or more cars insured with Farmers can qualify for this discount, which is useful for families who might have multiple family members on their policy.
Safe driver discount: Drivers in select states with consistently clean driving records can qualify for a safe driver discount. Contact your Farmers Insurance agent to learn if this discount is available in your state.
Senior defensive driver discount: Drivers over the age of 65 (or 55 in some states) who complete a defensive driving course can qualify for this discount. Submit your certificate of completion to your insurance agent to receive your discount.
Anti-theft discount: Drivers who equip their cars with anti-theft protection devices can save on car insurance. Note that the device must be self-activating upon locking your vehicle’s door.
Alternative fuel discount: Farmers will reduce your rate by up to 5% if you drive a hybrid car.
Bundling discounts: Drivers who also have a homeowners insurance policy or life insurance policy with Farmers can bundle these policies and save.
Electronic funds transfer discount: Farmers will offer you a discount when you pay your premiums electronically.
ePolicy discount: Customers who set up electronic document delivery can unlock a small discount.
Paid-in-full discount: Farmers customers who pay their insurance bills in full and in advance can qualify for this discount.
Note that these discounts vary by state. Talk to your Farmers Insurance agent to see if you qualify. Your agent will ask for several documents to confirm your policy terms, which can be submitted through Farmers eSignature, the company’s online portal.
Check Out: Car Insurance Discount Guide
Farmers Insurance bundling options
Bundling auto and home insurance is one of the most common ways drivers reduce their insurance rates. Farmers offers generous bundling options, which save customers an average of 20% on their car insurance rates. Below are the bundling discounts that Farmers offers:
Many policyholders find that bundling their policies also streamlines the insurance process. Paying bills and filing claims with one provider can make your life easier, in addition to reducing your rates.
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Farmers Insurance reviews and ratings
Farmers is one of the largest car insurance companies in the country and offers a wide range of insurance products. A.M. Best awarded Farmers an A financial strength rating, and J.D. Power gave Farmers a rating of 884 in its claims satisfaction survey, which was the third-highest of any car insurance company.
Farmers customer reviews
Customer reviews paint a mixed picture of Farmers car insurance, with some policyholders complaining about poor communication when dealing with Farmers insurance agents:
Another customer describes the great customer service he received with Farmers after a bad accident totaled his car:
In another Farmers insurance review, a policyholder praises Farmers’ prompt claim reimbursement:
Below are Farmers ratings at several different customer review websites:
Better Business Bureau: 1.36 out of 5 stars
Sitejabber: 2.86 out of 5 stars
Trustpilot: 1.8 out of 5 stars
NAIC Complaint Index: More than average
Farmers vs. other insurance providers
The car insurance market is highly saturated. You have plenty of options, so you need to compare prices and auto insurance coverage options before settling on a provider.
Farmers vs. Allstate
Allstate is the fourth-largest auto insurance company in the U.S. by market share and offers the popular Drivewise telematics program, which rewards drivers for safe driving. The average monthly rate for full-coverage Allstate car insurance is significantly cheaper than Farmers, at $212.
Farmers vs. Progressive
Progressive is the third-largest auto insurance company in the U.S. by market share. Progressive offers many discounts, but unlike Farmers, it doesn’t offer an anti-theft discount. The average monthly rate for full-coverage Progressive car insurance is $238, which is $79 less than Farmers.
Farmers vs. State Farm
State Farm is the largest auto insurance company in the U.S. by market share and is significantly cheaper than Farmers, with an average monthly rate of $175 — which is $142 cheaper than Farmers. Additionally, State Farm drivers with DUIs or tickets on their driving record pay much less than similar drivers at Farmers.
More about Farmers Insurance
Farmers Insurance has several divisions, including Bristol West Insurance, Foremost Insurance, and 21st Century Insurance. J.D. Power has recognized Farmers Insurance for “Call Center Customer Satisfaction Excellence” three times.
Who owns Farmers Insurance?
Zurich Insurance is Farmers’ parent company, which is based in Switzerland. Farmers insurance products are underwritten by:
Farmers Property and Casualty Insurance Company
Farmers Casualty Insurance Company
Farmers Group Property and Casualty Insurance Company
Farmers Direct Property and Casualty Insurance Company
Farmers Lloyds Insurance Company of Texas
Economy Preferred Insurance Company
Economy Fire & Casualty Insurance Company
These companies all have administrative offices in Warwick, Rhode Island.
Farmers pros and cons
High claims satisfaction ratings
Robust roadside assistance
Offers several discounts
High monthly premiums
Mixed customer reviews
No gap coverage
Filing an auto insurance claim with Farmers
An auto insurance claim is a request for reimbursement from your insurer that you file after a covered loss, such as a car accident. Follow these steps to file a claim with Farmers:
Start the claims process by visiting the Farmers website or calling 1-800-435-7764, which is available 24/7 for claims services. Have your policy number on hand.
Wait for your Farmers agent to review your claim.
Decide whether you want to repair your car using a repair shop in the Farmers network or an out-of-network repair shop.
Manage your claim online through the Farmers website or on the Farmers mobile app. You can upload any necessary documents and check the status of your claim at any time.
Other Farmers Insurance products
Farmers offers several other insurance products, including:
Homeowners insurance: This covers the cost of repairs to your home and belongings in the event of an unexpected disaster, such as a fire or destructive weather.
Renters insurance: This covers any personal belongings in your rented home that are damaged or stolen.
Life insurance: This covers the financial burden on your family if you or a spouse passes away, including term life, whole life, and universal life insurance.
Business insurance: This covers you for the financial risks that come with owning a business, including property coverage, liability coverage, and more.
How to reduce your car insurance costs
You have many options when it comes to reducing insurance costs:
Improve your credit rating. Car insurance companies trust drivers with good credit to pay premiums on time, which can qualify you for discounts.
Bundle policies. Enrolling in home and auto policies from the same insurer will unlock discounts at most insurance companies, including Farmers.
Choose the right car. Newer cars tend to be more expensive to insure.
Practice safe driving. Drivers with clean driving records pay lower premiums on average. Plus, enrolling in a defensive driving course can lead to discounts.
Raise your deductible. A higher deductible means you’ll pay more out of pocket in the event of a covered loss — but it’ll also reduce your monthly premiums.
“There’s no substitute for shopping multiple car insurers and comparing quotes for the same types and coverage amounts,” says financial expert Laura Adams. “Be sure your rate includes every discount you qualify for, such as bundling multiple policies.”
Farmers Insurance FAQs
Here are answers to some commonly asked questions about Farmers car insurance.
Yes. Farmers Insurance is accredited with the Better Business Bureau and has high ratings from J.D. Power and Associates. This longtime insurance provider has years of experience and is one of the most popular insurance companies in the country.
Farmers has an ICS score of 85 (out of 100), which is higher than other major national insurance providers like Liberty Mutual and Progressive. While dependable, Farmers is more expensive than other companies, such as State Farm, Progressive, and Allstate.
Farmers car insurance costs an average of $317 per month for full coverage. Farmers customers who opt for liability-only coverage pay $218 per month on average.
Farmers has a strong claims record, ranking third in the J.D. Power 2022 claims satisfaction survey, with a score of 884. Farmers also has an A grade from A.M. Best, indicating excellent financial strength and an ability to pay insurance claims.
Unfortunately, some customers had negative customer service experiences with Farmers auto insurance. Farmers has 1.36 stars out of 5 on the Better Business Bureau website. Look for reviews of specific agents in your area, and ask friends with policies at Farmers about their experiences.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
- National Association of Insurance Commissioners. "2021 Top 25 Groups and Companies by Countrywide Premium." Accessed February 9, 2023
- Farmers Insurance. "Types of Car Coverage." Accessed February 9, 2023
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed February 9, 2023
- Farmers Insurance. "Auto Insurance Discount Definitions." Accessed February 9, 2023
- Insurance Information Institute. "How to save money on car insurance." Accessed February 9, 2023