Farmers Auto Insurance Review [2024]: Low Prices + Broad Coverage

All in all, I recommend Farmers auto insurance for drivers who have unique auto coverage needs, such as those seeking rideshare, fifth wheel, or RV coverage. However, it is hard to nail down an online quote from the company, and some people have reported being dropped from their policy. These facts may make Farmers less dependable, though this doesn’t appear to ring through for most customers.

In fact, Farmers has an A (excellent) rating from AM Best and ranked 8th highest in J.D. Power’s Auto Claims Satisfaction Study, surpassing big competitors such as Geico and Allstate. If your area is eligible for coverage, it is worth getting a quote from Farmers.

Farmers is a household name in the auto insurance industry. But while it has been around since 1928, we are seeing less of the company as it may be pulling out of more states. Still, quotes are competitive for those who have access to Farmers, and the number of coverage options makes it a top contender against other popular insurance names.

How we evaluate products

To thoroughly and unbiasedly review Farmers auto insurance, I compared the company with top competitors, including Geico and Progressive. Here are a few specific things I focused on:

• Availability: Both Geico and Progressive offer car insurance coverage in all states. Farmers states it only covers 42 states, but more recent news stories show that Farmers is slow to cover drivers in expensive states, such as California.
• Rating: Farmers rated higher than Geico and Progressive in J.D. Power’s Claims Satisfaction Study, but Progressive beat out Farmers in the Overall Customer Satisfaction Study. It has an AM Best rating of A (excellent), lower than Geico’s and Progressive’s “superior” rating.
• Discounts: As far as discounts go, Farmers offered the most, including some unique options, such as a discount for headlights that stay on all day. Additionally, Farmers offered more discounts for young drivers, extending the discount period to age 25.

Farmers auto insurance pros and cons

Who is Farmers a good option for?

Farmers Insurance Group is a good choice for those who want more than just auto insurance and can benefit from bundling discounts. Farmers offers a wide range of options, including homeowners insurance, life insurance, business insurance, and pet insurance. Farmers also stands out to me for offering more varied car insurance options than I've seen from similar companies, including coverage for collectible cars, RVs, off-road vehicles, boats, and more.

I’d also recommend Farmers if you’re pursuing a rideshare side hustle because it will ensure there are no gaps in your coverage. Typically, your auto insurance company will not cover any claims made while you are driving for Uber or Lyft, and the rideshare companies will give you limited insurance coverage when you have a passenger. But there is a lapse in coverage when you have the app open and are waiting for a rider. This means if you have traditional insurance and are hit while waiting for a passenger, neither your auto insurance company nor the rideshare company will cover the damage. Farmers eliminates those coverage gaps.

Year founded	1928
Types of coverage	Liability insurance Uninsured/underinsured motorist insurance Medical payments Personal injury protection (PIP) Collision coverage Comprehensive coverage Guaranteed Value 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 insurance Loss of use insurance Personal umbrella insurance
Discounts available	Accident forgiveness Multi-line (multiple policy) discount Multi-car discount Employee or organization discounts Military discount ePolicy discount Good payer discount Safe driver discount Distant student discount Good student discount Youthful driver discount Shared family car discount On-your-own discount Mature/defensive/senior driver discount Homeowner discount Alternative fuel discount Electronic funds transfer (EFT) discount Pay-in-full discount Anti-lock brakes discount Anti-theft discount Daytime running lights discount Passive restraint discount Homing device discount VIN etching discount
Where you can use it	Online at the Farmers website Farmers Mobile App on iOS and Android
Customer support	Phone: 1-888-327-6335, available Monday - Friday from 7 a.m. to 11 p.m. CT and Saturday - Sunday from 8 a.m. to 8 p.m. CT Email: Online form Chat: Facebook page or live chat function through your online account, available Monday - Friday from 7 a.m. to 11 p.m. CT and Saturday - Sunday from 8 a.m. to 8 p.m. CT
Availability	All states except Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont, and West Virginia

What insurance does Farmers offer?

Farmers offers a variety of insurance products, primarily across the four main categories of vehicle, home, life, and business. But you can also find policies for pet insurance, trailer insurance, and more.

Auto insurance coverage options

Other insurance products

Farmers offers several insurance products in addition to extensive auto coverage. These products fall within the four main categories of vehicle, home, personal, and business policies.

• Vehicle: Alongside traditional vehicle coverage, Farmers covers motorcycles, watercraft, RV, ATVs, off-road vehicles, fifth wheels and trailers, and collectible cars.
• Property: Farmers provides homeowners insurance, condo insurance, renters insurance, mobile and manufactured home, vacation homes, vacant home, earthquake, flood, and landlord policies.
• Personal: Farmers also offers life, health, pet, dental, travel, and vision insurance.
• Business: For business-related insurance needs, Farmers offers business insurance, commercial auto insurance, commercial property insurance, workers compensation insurance, and general liability insurance.

How much does Farmers auto insurance cost?

The cost of Farmers auto insurance depends on where you live, what discounts (if any) you qualify for, and how clean your driving record is, among other factors. I tried many times to pull an online quote from Farmers with little luck.

• For my California ZIP code, I was denied a quote comparison and taken to an insurance-matching tool like you see on third-party insurance affiliate sites.
• For a Louisiana ZIP code, I was directed to another part of the Farmers site and given the option for a $192 per-month quote with Progressive or a $507 per-month quote with Bristol West.
• I started a quote for an Arizona ZIP code but was denied the opportunity to proceed, receiving a prompt to call an agent.

It is hard to say what Farmers quote you will receive, and there’s no guarantee you’ll be able to get one at all. And even though Farmers technically lists availability in most states, there is some speculation that it is pulling out of certain states for car insurance.

How to find discounts

Discounts are often one of the best ways to save money on car insurance. Farmers offers many types of auto insurance discounts, though the availability and amount of each varies by state and policy.

Several discounts relate to your safety, your passengers' safety, and your vehicle's safety.

Discount type	How to get it
Safe driver discount	Have zero chargeable accidents or chargeable citations for the past three years.
Youthful driver discount	Be under 25 and consistently insured with the company for at least 12 months before qualifying for this discount.
Good student discount	For full-time students younger than 25 with a 3.0 or better GPA
Distant student discount	Be a full-time student, 22 years or younger, and live more than 100 miles from your home without your vehicle.
Good payer	For customers with no late billing fees in the 12 months before their renewal processing date with Farmers.
Bundle and save	Either bundle your car and home insurance policies or add more than one vehicle to your policy.
Farmers GroupSelect	Discounts based on where you work or associations
Motorcycle insurance	Extra discounts for motorcyclists with anti-theft devices and who take safety driving classes
Mature/defensive/senior driver	You can qualify for this discount if you’re over 55 and completed a state-approved safe driver training program in the past three years.

Farmers offers the most discounts I have seen from a car insurance company, including discounts for equipping your car with theft protection and safer driving equipment, such as daytime running lights.

I also appreciate how many discounts are available specifically for teen and young adult drivers. Most insurances cut off the teen discount around age 19, but Farmers extends it to anyone under 25. Additionally, drivers under 20 who share a family car will get discounted coverage.

How to maximize savings

Many factors affect car insurance rates, not all of which you can control. A tip you’ll often hear is to lower your coverage to cut your premium, but I don’t like this one. I drive in an expensive state, so I strongly recommend something other than this option to save money. Yes, you may save $50 per month, but you could be on the hook for a lot of money if there is an accident.

For example, if someone rear-ends you in California and you then hit and total another car, you might be liable for the damage to the car in front of you, even though you didn’t start the accident. The minimum insurance coverage will not cover the bill, especially since the average new car costs over $47,000, according to Edmonds, and car accident injuries can range from $5,000 to $100,000 or more, according to California-based law office Easton & Easton.

How to get an insurance quote from Farmers auto insurance

Depending on your ZIP code, you can get an auto insurance quote from Farmers by visiting the Farmers website or calling 1-800-974-6755. While the online quote should be quicker, my experience led me down a frustrating quote path rather than giving me an accurate quote. Calling an agent could help you understand if you qualify for a quote.

If your ZIP code is accepted, expect the quote process to go as follows:

1. Enter required personal information such as your first and last name and complete address.

2. Add the vehicles you want to include on your policy and enter their information, including the VIN, vehicle year, make, model, and type.

3. Add information for all drivers that will be on the policy. This includes first and last name, date of birth, gender, marriage status, and more.

4. Enter your contact information, including an email address and phone number.

5. Check to see whether you’re eligible for any discounts.

6. Continue to see your automatic car insurance quote. You can adjust your car insurance coverage, types, and amounts. You can also buy the policy at this step or save your quote and finish it later.

The online quote should take about 10 minutes on average, especially if you already have all the information you need on hand.

FAQs

Bottom line

Farmers Insurance is a great choice for those who want an insurance company that offers a wide variety of coverage options and is proven to have a good 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 companies.

However, Farmers auto insurance doesn’t operate in every state, and the fact that there are news stories and personal reports of the company not being available in some states or dropping customers is worth checking into.