Farmers Auto Insurance Review (2024)
Our Farmers auto insurance review reveals that Farmers insurance company has an A from A.M. Best and an A+ from the BBB. Farmers auto insurance rates are higher than the national average, starting at $233 per month. Farmers auto insurance discounts can help drivers offset the high rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jan 25, 2024
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What You Should Know About Farmers Insurance Group
Farmers Insurance is the seventh largest insurance company in America, and while it’s not as well known as other companies, it has solid customer reviews.
Farmers offers an extensive list of insurance products to cover any need your car might have and several discounts to save money.
While customers highly recommend Farmers, rates tend to be higher than other companies. Learn more in our Farmers Auto Insurance Review, then compare quotes with other companies to ensure you find the best policy possible., then compare quotes with other companies to ensure you find the best policy possible.
While Farmers isn’t the most prominent car insurance company, it’s a trusted name in the industry. You can find traditional car insurance with Farmers and multiple ways to customize your policy.
Even though Farmers offers excellent coverage options, quotes tend to be much higher than competitors. Despite that, most customers enjoy their time with Farmers and feel like the company keeps their interests at heart.
One of the top reasons customers rank Farmers so highly is that it offers many insurance types and various discounts. Farmers also has excellent customer service reviews, with most customers recommending Farmers to family and friends.
As for professional ratings, Farmers does well. For example, A.M. Best rates companies on financial strength. Farmers has an A from A.M. Best, meaning it’ll have no problem paying your claim.
The Better Business Bureau (BBB) gives Farmers an A+ for its ability to resolve customer complaints. However, it has hundreds of complaints on the BBB website.
Farmers Claims Handling
Farmers Insurance claims are relatively easy to start. You can start a Farmers claim online, on the app, or by calling Farmers auto insurance claims phone number.
Once you start a claim, you can choose a repair shop within the Farmers network. Then, when all the details get settled, Farmers will pay your claim as your policy specifies.
Most customers say they’re satisfied with how Farmers handles claims, including how easy the process was. More than half of surveyed Farmers’ customers say they were satisfied with how their claims got resolved.
Farmers App
The Farmers app is highly rated and allows you to manage your car insurance policy, among other services, easily. With the Farmers app, you can:
- Manage your payment options and make payments
- Get quotes
- Report claims
- Request roadside assistance
- Receive notifications about your policy
While you can manage your policy through the app, you can always speak to a representative. If you ever wonder, “Where is a Farmers Insurance near me?” you can find a local agent using the app.
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Farmers Insurance Group Insurance Coverage Options
Farmers offers everything you need for a standard car insurance policy. Whether you want minimum coverage to keep your bill down or full coverage to maximize protection, you can find it with Farmers.
The following options are Farmers’ standard choices for insurance:
- Liability. Liability auto insurance — consisting of bodily injury and property damage — covers damage you cause in an accident but doesn’t cover your car.
- Collision. You need collision auto insurance to protect your car from damage caused by an accident. Collision insurance helps repair your vehicle after an accident, even if you caused it.
- Comprehensive. Comprehensive auto insurance protects your car from fire, weather, animal contact, theft, and vandalism.
- Personal injury protection (PIP). PIP auto insurance helps pay your medical bills after an accident. PIP insurance covers hospital bills, physical therapy, and lost wages.
- Uninsured/underinsured motorist. While most states require insurance coverage, not all drivers follow the law. Uninsured motorist coverage helps repair your car if a driver with inadequate insurance hits you or when you’re the victim of a hit-and-run.
These five insurance types offer fairly complete protection for your car. However, your coverage needs to depend on your unique situation.
Farmers Insurance Group Insurance Rates Breakdown
While most Farmers insurance reviews are positive, the company typically costs more than other providers. Most companies offer affordable rates to specific demographics, but Farmers is more expensive across the board.
To start, let’s take a look at the average annual full-coverage auto insurance rates across the country.
Farmers Insurance Rates by Age
Age is an integral factor in your insurance rates. Younger drivers are statistically more likely to engage in reckless behaviors and file claims. Conversely, older drivers see more accidents from age-related driving problems.
To see how Farmers treat drivers by age, look below.
To start, let's look at Farmer's annual full coverage auto insurance rates for teenagers.
For parents, adding a teen driver to your policy will also affect your car insurance rates. Here’s a comparison of rates for parents with and without young drivers on their policy.
Insurance Company Monthly Rates for Teen Drivers Monthly Rates for Parents with Teen Driver
Allstate $638 $538
American Family $509 $180
Farmers $773 $315
Geico $312 $304
Liberty Mutual $785 $255
Nationwide $476 $259
Progressive $814 $375
State Farm $349 $218
Travelers $910 $538
U.S. Average $618 $271
As you can see, Farmers auto insurance quotes for young drivers are much higher than other companies. In fact, rates are higher for all age gaps, though the gap lessens with age.
But, as you pass age 55 you may see a slight increase in your rates.
Like age, your driving history also impacts your car insurance rates. We’ll look at that in more detail below.
Farmers Insurance Rates by Driving History
Another significant factor in your car insurance rates is your driving history. You’ll pay less for your insurance if your record is free of tickets, accidents, or serious infractions like DUIs. However, your rates will be high if your record isn’t clean.
Check how Farmers does for drivers with different infractions below.
Insurance Company Monthly Rates with a DUI Monthly Rates with an Accident Monthly Rates with a Ticket Monthly Rates with a Clean Record
Allstate $270 $225 $188 $160
American Family $194 $176 $136 $116
Farmers $193 $198 $173 $139
Geico $216 $133 $106 $80
Liberty Mutual $313 $234 $212 $174
Nationwide $237 $161 $137 $115
Progressive $140 $186 $140 $105
State Farm $112 $102 $96 $86
Travelers $206 $139 $134 $99
USAA $108 $78 $67 $59
U.S. Average $146 $173 $147 $119
While Farmers is higher in every category, it’s more in line with the national average for DUIs, as this table shows.
Insurance Company One Accident One DUI One Ticket Clean Record
AAA $220 $240 $220 $180
Allstate $225 $225 $195 $166
American Family $176 $176 $131 $116
Farmers $198 $198 $176 $140
Geico $132 $132 $125 $95
Hartford $230 $250 $215 $175
Liberty Mutual $234 $234 $217 $177
Nationwide $161 $161 $175 $140
Progressive $186 $186 $160 $120
State Farm $150 $102 $138 $105
Travelers $200 $139 $205 $160
U.S. Average $172 $173 $152 $123
Let’s look at how Farmers rates compare for drivers with an accident on their record.
Insurance Company One Accident Clean Record
AAA $220 $180
Allstate $225 $166
American Family $176 $116
Farmers $198 $140
Geico $132 $95
Hartford $230 $175
Liberty Mutual $234 $177
Nationwide $161 $140
Progressive $186 $120
State Farm $150 $105
Travelers $200 $160
U.S. Average $172 $123
And finally, here’s a comparison of Farmers auto insurance rates for drivers with a speeding ticket.
Insurance Company One Ticket Clean Record
AAA $108 $180
Allstate $188 $166
American Family $136 $116
Farmers $173 $140
Geico $106 $95
Hartford $136 $175
Liberty Mutual $212 $177
Nationwide $137 $140
Progressive $140 $120
State Farm $96 $105
Travelers $134 $160
U.S. Average $147 $123
As you can see, keeping your driving record clean can help you keep your insurance rates low.
Farmers Insurance Group Discounts Available
Farmers has several discounts to help you save money. While discounts vary by state, you might find the following savings:
- Good driver
- Homeowners
- Alternative fuel vehicle
- Good student
- Multi-car
- Policy bundling
- Anti-theft features
- Good student
- Pay in full
- Electronic payments
- Driver education for older drivers
- Paperless
You may also be eligible for a discount if you’re part of certain professional groups, though you’ll have to check with an insurance representative to see if you qualify.
Farmers Signal Discount
Most of the largest insurance companies offer usage-based insurance for safe drivers who spend less time behind the wheel. For example, Farmers’ insurance program for safe drivers is called Signal.
Signal is a mobile app that tracks your driving behavior. Drivers who sign up for Signal automatically receive a 5% discount. If you practice safe driving habits, you can earn an additional 15% discount on your next policy renewal.
Signal tracks how far you drive when you drive, and driving behaviors like hard braking, sharp turns, and speeding. While it can help you save, you should only consider Signal if you’re comfortable with it monitoring your driving. For more information on Signal, read our Farmers Signal Review.
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How Farmers Insurance Group Ranks Among Providers
While many factors affect car insurance rates, your coverage amount is one of the largest. For example, minimum liability insurance will cost much less than full coverage.
Check how Farmers compares to other companies below.
Insurance Company Minimum Coverage Full Coverage
Allstate $61 $160
American Family $44 $117
Farmers $53 $139
Geico $30 $80
Liberty Mutual $68 $174
Nationwide $44 $115
Progressive $39 $105
State Farm $33 $86
Travelers $37 $99
U.S. Average $45 $119
Farmers insurance quotes by coverage type are higher than other companies. However, Farmers offers many ways to save.
Below we can see how Farmers full coverage auto insurance rates compare to other companies across the country.
State Allstate American Family Farmers Geico Liberty Mutual Nationwide Progressive State Farm Travelers USAA U.S. Average
Alabama $108 $105 $133 $89 $162 $96 $112 $108 $79 $56 $105
Alaska $135 $105 $127 $76 $164 $108 $97 $65 $93 $60 $103
Arizona $180 $114 $135 $65 $178 $116 $84 $81 $104 $63 $112
Arkansas $162 $137 $165 $91 $99 $128 $131 $80 $111 $55 $116
California $199 $138 $167 $101 $216 $142 $132 $108 $122 $74 $140
Colorado $166 $118 $163 $94 $92 $107 $120 $94 $114 $78 $115
Connecticut $196 $125 $151 $62 $201 $112 $133 $91 $83 $77 $123
Delaware $207 $130 $157 $101 $494 $144 $90 $116 $82 $43 $156
District of Columbia $241 $115 $139 $69 $180 $172 $115 $111 $102 $48 $129
Florida $183 $188 $227 $89 $161 $103 $153 $99 $166 $47 $142
Georgia $165 $124 $149 $61 $263 $152 $115 $107 $110 $71 $132
Hawaii $118 $82 $99 $59 $128 $84 $78 $64 $72 $44 $83
Idaho $128 $93 $92 $57 $79 $82 $91 $53 $57 $40 $77
Illinois $176 $114 $117 $47 $76 $93 $89 $64 $87 $62 $92
Indiana $140 $107 $79 $63 $183 $97 $69 $71 $69 $43 $92
Iowa $126 $95 $82 $81 $116 $73 $75 $65 $92 $55 $86
Kansas $160 $114 $144 $75 $174 $92 $127 $81 $87 $56 $111
Kentucky $236 $164 $197 $80 $168 $184 $111 $98 $139 $72 $145
Louisiana $206 $176 $212 $141 $274 $181 $161 $124 $156 $98 $173
Maine $108 $84 $117 $37 $120 $87 $94 $59 $61 $37 $80
Maryland $201 $116 $140 $135 $181 $106 $121 $107 $103 $80 $129
Massachusetts $143 $99 $120 $72 $155 $103 $95 $78 $88 $53 $101
Michigan $406 $204 $335 $99 $424 $257 $152 $209 $183 $107 $238
Minnesota $160 $93 $108 $90 $375 $87 $101 $67 $94 $68 $124
Mississippi $147 $120 $145 $72 $119 $96 $120 $82 $88 $54 $105
Missouri $148 $106 $135 $90 $129 $66 $98 $85 $114 $50 $102
Montana $154 $125 $164 $82 $59 $88 $171 $70 $111 $50 $107
Nebraska $125 $112 $130 $92 $179 $77 $95 $69 $102 $56 $104
Nevada $165 $140 $155 $110 $111 $112 $82 $103 $91 $69 $114
New Hampshire $128 $77 $93 $50 $198 $77 $63 $59 $68 $41 $86
New Jersey $157 $115 $231 $74 $279 $119 $93 $113 $136 $61 $138
New Mexico $158 $103 $131 $90 $161 $96 $86 $69 $91 $65 $105
New York $147 $137 $165 $78 $200 $164 $96 $137 $175 $85 $138
North Carolina $169 $82 $99 $69 $82 $111 $32 $77 $99 $44 $86
North Dakota $136 $145 $107 $61 $398 $77 $110 $76 $88 $44 $124
Ohio $120 $62 $96 $59 $106 $114 $85 $70 $63 $41 $82
Oklahoma $135 $118 $136 $109 $184 $122 $110 $91 $105 $68 $118
Oregon $153 $106 $111 $93 $141 $111 $78 $75 $97 $58 $102
Pennsylvania $148 $108 $131 $68 $219 $86 $148 $76 $75 $57 $112
Rhode Island $189 $151 $183 $125 $235 $190 $116 $76 $103 $65 $143
South Carolina $133 $118 $166 $79 $185 $118 $105 $88 $105 $69 $117
South Dakota $136 $151 $113 $57 $230 $76 $105 $67 $97 $58 $109
Tennessee $144 $102 $86 $78 $184 $118 $92 $72 $88 $58 $102
Texas $201 $176 $137 $105 $178 $154 $121 $90 $101 $62 $132
Utah $117 $105 $115 $73 $119 $93 $95 $103 $88 $50 $96
Vermont $142 $85 $103 $38 $100 $77 $181 $87 $75 $42 $93
Virginia $103 $83 $100 $69 $129 $86 $61 $63 $73 $43 $81
Washington $114 $91 $102 $75 $92 $70 $60 $69 $81 $46 $80
West Virginia $162 $115 $139 $83 $196 $104 $110 $79 $102 $67 $116
Wisconsin $123 $63 $109 $62 $84 $226 $94 $58 $72 $47 $94
Wyoming $155 $111 $130 $111 $75 $114 $106 $82 $98 $57 $104
However, Farmers isn’t the most expensive insurance on the market, and it might be best for you based on other factors. You can get an idea of how much Farmers might cost below, but remember that low rates don’t necessarily mean the best coverage.
Frequently Asked Questions
How do you get a car insurance quote from Farmers?
Getting a Farmers car insurance quote is simple. You can get a quote online or by speaking with a representative. You’ll need some personal information, but the process is generally quick.
Where does Farmers offer car insurance?
Farmers sells car insurance in most states except Alaska, Hawaii, Delaware, New Hampshire, Maine, Rhode Island, West Virginia, Vermont, and Washington D.C.
How do you file a claim with Farmers?
You have three options for reporting a claim with Farmers. The easiest option is online, but you can also call the Farmers claims phone number or use the app. To make things quicker, make sure you have your policy number and the date of the incident ready.
Does Farmers cover rental cars?
Farmers covers rental cars through its loss of use add-on if you need a temporary car while your vehicle is in the mechanic’s shop. While Farmers doesn’t cover rentals for other reasons, your personal policy will cover a rental car if you’re in the U.S., Canada, or Puerto Rico.
Does Farmers offer GAP coverage?
If you total a car you have a loan on, you might owe more than the vehicle is worth. GAP coverage pays the difference between what you owe and your vehicle’s worth.
Unfortunately, Farmers doesn’t offer GAP coverage.
Does Farmers offer SR-22 insurance?
A state may require SR-22 insurance for drivers with severe traffic violations on their records. If you need an SR-22, Farmers can provide it for you.
How do you cancel Farmers car insurance?
Unfortunately, you can’t cancel your Farmers insurance online. Instead, you’ll need to speak to a local representative or call the Farmers insurance customer service phone number.
What should I do if I need roadside assistance?
Farmers offers optional roadside assistance coverage that can provide help if you experience a breakdown, flat tire, need a jump-start, or run out of fuel. If you have this coverage, you can call the dedicated roadside assistance number provided on your policy documents for immediate assistance.
Can I manage my Farmers Auto Insurance policy online?
Yes, Farmers Insurance provides an online platform where policyholders can manage their auto insurance policies. Through their website or mobile app, you can view policy details, make payments, update personal information, request policy changes, and access important documents.
What discounts does Farmers offer for auto insurance?
Farmers offers various discounts to help policyholders save on their auto insurance premiums. Some common discounts include safe driver discounts, good student discounts, multi-policy discounts, anti-theft device discounts, and discounts for completing driver training courses.
Traci26
Unhappy after buy out
Buckeye_in_FL
2 Claims/2 Repairs & no hassles
Mickey_L
Farmers agent poor customer service
slou117
Decent insurance coverage
Mamasanders
Farmers Insurance - Consistently Reliable
emmahenry
Best Insurance company ever
treppers
Worst insurance company i've ever dealt with in my life!
Tywko
Best insurance company
samw2
the best
E92ghost
Farmers, all in one