Farmers Car Insurance Review [2025] | FinanceBuzz

Farmers Insurance Group, often shortened to Farmers, is the seventh-largest auto insurance company. That's why you've probably heard of it — that, and the pretty catchy jingle. But how does it compare to other car insurance companies? The answer is mixed.

While Farmers provides more coverage options and add-ons than many of its competitors, its rates are largely uncompetitive and quite high or average across the board. However, it has a comparatively large list of available discounts, and its independent customer service ratings are better than most. It also sets itself apart with an incredibly low volume of complaints, which goes a long way toward its solid reputation. And with over 48,000 agents, it may also be a good choice for getting personalized support.

All in all, I can see Farmers being best for people looking for specialty coverage and add-ons and drivers who value customer service. It isn't likely to provide you with the best rates, regardless of your driver profile, but the story might be different if you can qualify for one or more of its many (many) discounts. Although Farmers offers one or more types of insurance products in all 50 states, its auto insurance is only available in 42 states.

How we evaluate products

Smart Drivers, Smarter Savings.

Compare car insurance rates in Ohio

See if you qualify for a lower rate in less than 2 minutes

Currently Insured?

Yes

Multiple Cars?

Yes

Homeowner

Yes

Age

By clicking the button above, I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) Privacy Policy

Farmers auto insurance pros and cons

Pros

High claims and customer satisfaction
More discounts than many competitors
Many coverage add-ons and specialty policies

Cons

Not available in all 50 states
Higher premiums than many other companies

Excluded states

Farmers car insurance is available in all states except Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont, and West Virginia.

How much does Farmers auto insurance cost?

For the most part, Farmers' auto insurance costs are close to average. The company's premiums are lower than the national average in some cases and higher in others, but no demographics stand out as receiving especially competitive rates with this insurer.

In particular, it isn't a good choice for teen drivers based purely on rates. For this demographic, its premiums are well above average and not even close to the best prices (for teen drivers, I like to recommend State Farm, Progressive, and The General). Its rates for senior drivers are close to average or very slightly better, but many of its others fall on the wrong side of that line.

I'd be more inclined to recommend Farmers for liability-only coverage than full — you're not likely to save on car insurance if you choose full coverage with this insurer. In many cases, including for people with accidents and other incidents, its rates are a bit better than average for liability insurance but higher for full.

Editor's note

Farmers is closest in size to Liberty Mutual, but its premiums are mostly a bit better.

Driver type	Farmers liability-only monthly premium	Farmers full coverage monthly premium
Clean driving record	$106	$228
Speeding ticket on driving record	$128	$275
At-fault accident on driving record	$135	$290
DUI on driving record	$172	$371
Teen driver	$196	$421
Senior driver	$75	$161
Data sourced from Insurify

See how Farmers car insurance premiums compare to the national average rates for liability-only and full coverage insurance below.

Driver type	National average liability-only monthly premium	National average full coverage monthly premium
Clean driving record	$105	$192
Speeding ticket on driving record	$141	$265
At-fault accident on driving record	$146	$274
DUI on driving record	$166	$313
Teen driver	$194	$364
Senior driver	$85	$160
Data sourced from Insurify

Is Farmers car insurance good?

Company ratings:

AM Best: A (Excellent)
J.D. Power claims satisfaction: 706/1,000 (study average 697)
BBB: A+
NAIC complaints: 0.36 (Private Passenger)

By most metrics, Farmers car insurance is not only good but great from the perspective of customer complaints and satisfaction, especially when you look at its NAIC index.

The national complaint index, as determined by the NAIC, is 1.00. The closer a company's index is to this, the more expected its share of complaints for its size. If a company's index is greater than this, it means it holds more than its fair share of complaints (and vice versa for less). Farmers' NAIC complaint index of 0.36 tells me that the company is doing right by its customers. It's one of the lowest indices I've ever seen. (Farm Bureau, however, has it beat with an index of 0.15.)

The insurer's J.D. Power rating is decently strong. It isn't in the top five companies or anything, but it is above average, and it beats larger competitors like Progressive and GEICO. But it's also beaten by Liberty Mutual, Nationwide, and State Farm, to name just a few, putting it firmly in the top-middle of the pack. This translates to customers who are mostly happy with the claims process Farmers provides, with some room for improvement. The same can be said for its AM Best grade. A isn't bad, but when the scale goes up to A++, AM Best is saying that Farmers has an excellent ability to fulfill its financial obligations to customers but isn't exceptional.

Get Custom Quotes Today

Safe Drivers Save with Allstate®

Average Rate:

$ $$ /mo

Get rewarded with savings for having a clean driving record.

Paying too much for car insurance?

Average Rate:

$ $$ /mo

Car insurance can be so simple. And so affordable.

The insurance savings you expect.

Average Rate:

$ $$ /mo

Enjoy personalized policies, comprehensive coverage & more.

See how much you could save today!

Average Rate:

$ $$ /mo

Drivers who switch their auto insurance and save with State Farm save $764 on average!

Discounts

Farmers auto insurance may not offer the best premiums, but it does provide more discounts than many of the best car insurance companies.

Interestingly, Farmers stands out for providing more and better discounts for young adults than other insurers, despite the fact that its rates for this demographic are high. Its Youthful Driver discount, for example, is available to drivers under 25 who live with a parent or grandparent who has held a Farmers auto policy for at least a year. There's another unique discount called Shared family car, which applies to households with more active drivers, including one 20 years old or younger, than cars.

Discount	Does Farmers have it?	AAA	Farm Bureau
Loyalty	Yes	Yes	Yes
Multi-policy/bundling	Yes	Yes	Yes
Multiple vehicle	Yes	Yes	Yes
Airbag	Yes	Yes	No
Anti-lock brakes	Yes	Yes	No
Anti-theft	Yes	Yes	No
Safe driver	Yes	Yes	Yes
Good student	Yes	Yes	Yes
Away-from-home student	Yes	Yes	No
New car	No	Yes	No
Pay in full	Yes	Yes	Yes
Automatic payments	Yes	Yes	No
GAP insurance	No	No	No
Senior	No	No	No
Military	Yes	No	No
Defensive driving course	Yes	Yes	No

More Farmers insurance discounts

I haven't included every discount Farmers has in this table. For a complete list of discounts available with this insurer, visit the Farmers discount page.

Signal®

Signal® from Farmers is a fairly standard car insurance telematics program that uses a mobile app to track your driving behavior. It looks at how safely you drive, and it awards the safest drivers with discounted premiums at renewal while slapping the riskiest drivers with higher prices. This potential risk isn't unusual for telematics programs (for instance, it's possible to have your rate increased if you demonstrate unsafe driving using Progressive Snapshot), but it's still worth noting.

Unlike other safe-driving programs, Signal also includes a bonus rewards program. Basically, if your safe-driving score is at least 80%, you'll be entered into a monthly drawing for up to $100 in gift cards.

Editor's note

Signal isn't available in Hawaii, New York, or South Carolina, and discounts from this program aren't offered in California.

Save On Your Auto Insurance

You could save up to $600 with some companies.
Compare dozens of providers in under 5 minutes.
Fast, free, and easy way to shop for insurance.
Quickly find the perfect rate for you.

Average rate:

$ $$ /mo

Coverage

Farmers stands out from other car insurance companies for providing more coverage options and add-ons for both standard personal vehicles and recreational or specialty vehicles. If you're looking for a policy that will go above and beyond standard coverage, Farmers might be worth checking out.

A few unique types of policies include OEM parts coverage, rideshare and food delivery coverage, customized equipment coverage, and glass deductible buyback coverage (which covers windshield and glass repairs with a $0 or $100 deductible).

Here's the full list of coverage options with Farmers auto insurance:

Liability insurance
Uninsured/underinsured motorist insurance
Medical payments
Personal injury protection (PIP)
Collision insurance
Comprehensive insurance
Guaranteed Value
GAP insurance
Customized equipment insurance
Glass deductible buyback
Full windshield and glass coverage
Spare parts coverage
Original equipment manufacturer (OEM) coverage
New car replacement coverage
Towing and roadside service
Rental car reimbursement
Rideshare and food delivery insurance
Loss of use insurance
Personal umbrella insurance
Motorcycle insurance
Boat and watercraft insurance
Collectible car insurance
RV and motor home insurance
ATV insurance
5th wheel and travel trailer insurance

Not many insurers provide all of the above specialty coverages, so Farmers might be a good one to check with if you've got a nontraditional vehicle to insure or want to pay for extra cushioning for your pockets.

Farmers vs. competitors

As I've mentioned, Farmers is not competitively priced when you're looking at average premiums. This is true when you're comparing the insurer's rates both to its competitors and to the national average rates for similar coverage.

In terms of the top 10 car insurance companies by popularity, Farmers has the second-highest average prices, outranking only Liberty Mutual. Its full coverage premiums are especially high relative to the national average and competitors, so you may be able to lower your car insurance by going with another company for fuller policies.

Company name	Average monthly full coverage	Average monthly liability-only coverage
USAA	$99	$46
GEICO	$118	$55
State Farm	$119	$55
Allstate	$132	$62
Progressive	$148	$101
American Family	$157	$72
Nationwide	$181	$85
Travelers	$191	$90
National average	$199	$105
Farmers	$236	$110
Liberty Mutual	$250	$169
Data sourced from Insurify

Farmers vs. AAA

Like Farmers, AAA offers broad coverage with a range of unique policies. But unlike Farmers, AAA operates through an association of local clubs and partners with other insurance providers to underwrite policies. AAA car insurance is also only available in 14 states compared to Farmers' 42.

In addition to being fundamentally different in how they operate, Farmers and AAA differ in pricing. It's impossible to provide average premiums for AAA because rates can vary by individual club, so whether you receive better prices from Farmers or AAA may depend largely on where you live. AAA doesn't provide as many discounts as Farmers, though, and lags behind on claims satisfaction.

Farmers vs. Farm Bureau

Farmers and Farm Bureau may often be confused with each other, but the two companies aren't very much alike. For one, and most importantly, Farm Bureau generally offers lower average premiums — it beats the national average for liability coverage for all driver profiles, and I'd suggest it over Farmers if you've got a DUI or are a teen driver.

But Farm Bureau requires membership, like AAA, and this can be a frustrating barrier. It also partners with other insurers, so you'll need to connect with an agent to get more information about coverage available to you. But in general, Farm Bureau doesn't provide as many policy options, so I may not recommend it if you need specialty coverage or add-ons.

FAQs

How do I contact Farmers?

To get help from a Farmers representative over the phone, call 888-327-6335 between 7 a.m. and 11 p.m. CT Monday through Friday or between 8 a.m. and 8 p.m. CT on Saturday and Sunday. This is the customer care center number, so it's the place to go for general support and questions. There are separate numbers for claims support, payments, and sales, and you can find those on the Farmers contact page.

You can also fill out an online form to receive a response via email, or you can live chat through your account or the company's Facebook page.

Is Farmers auto insurance good at paying claims?

Farmers auto insurance is one of the best companies at paying claims, according to a 2024 study from J.D. Power. It ranked 8th out of 21.

What company owns Farmers insurance?

Farmers Insurance is owned by Zurich Insurance Group, a global insurance company headquartered in Switzerland. Zurich offers a range of insurance products in more than 210 countries and territories and has around 56,000 employees. Zurich acquired Farmers Insurance in 1998.

Smart Drivers, Smarter Savings

Ohio: Say Goodbye to High Auto Insurance Rates if You Live in These Zip Codes

See if you qualify for a lower rate in less than 2 minutes

Start Saving

By clicking the button above, I understand and agree that this site uses site visit recording technology (provided by Trusted Form, Jornaya, and Microsoft Clarity) Privacy Policy

Bottom line

Farmers Insurance is a great choice for those who want a car insurance company that offers a wide variety of coverage options and a customer-approved claims process. Unfortunately, you won't know how good a company's claim process is until you need it, but Farmers has a history of high customer satisfaction relative to other insurers.

However, Farmers auto insurance doesn't quite operate in every state, and its premiums are far from the best around. In fact, they're some of the highest I've seen, so it's going to be especially important that you compare quotes from this company with quotes from others to make sure you're getting the policy you need at premiums you can afford.

Save On Your Auto Insurance