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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
- High auto claim satisfaction
- High customer service satisfaction
- More discounts than its competitors
- Limited online quotes
- Limited state availability
- Possibly higher premiums
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.
Note
Although Farmers offer one or more types of insurance products in all 50 states, its auto insurance is only available in 42 states.| Year founded | 1928 |
| Types of coverage |
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| Discounts available |
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| Where you can use it |
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| Customer support |
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| 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.
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Auto insurance coverage options
- Liability coverage: Helps cover the cost of injuries to others and any property damage if you're at fault for an accident. Liability coverage is required in most states.
- Collision insurance: Helps cover damages to your vehicle from collisions with other vehicles, objects, and animals. This coverage is optional unless your vehicle is financed or leased.
- Comprehensive coverage: Helps cover many non-collision damages to your vehicle. This often includes damage from hail, wind, theft, vandalism, and more. This is optional coverage as long as your vehicle isn't financed or leased.
- Uninsured/underinsured motorist coverage: Helps cover your losses from accidents caused by a driver who has no insurance or doesn't have enough insurance coverage to cover your losses.
- Medical payments: Helps pay the cost of needed medical care for you and your passengers following a car accident, regardless of who was at fault.
- Personal injury protection (PIP): Helps cover the cost of your injury, rehabilitation, and any lost wages due to a car accident.
- Accident forgiveness: Covers one accident for which you're at fault every three years without raising your premium.
- Guaranteed Value: Pays out a predetermined amount if a car accident totals your vehicle.
- Customized equipment insurance: Helps cover the cost to repair or replace customized or aftermarket equipment. Customized equipment coverage is available only if you already have collision and comprehensive coverage.
- Glass deductible buyback: Helps cover windshield repair or replacement with a $100 deductible.
- Full windshield and glass coverage: Helps cover windshield repair and replacement with no out-of-pocket costs.
- Spare parts coverage: Helps cover the replacement cost for spare parts up to $750.
- Original equipment manufacturer (OEM): Helps cover the cost of only using original factory parts for eligible car repairs. Your vehicle must be 10 years old or less.
- New car replacement coverage: Helps cover the cost of replacing your car with a new vehicle that's the same make and model. This type of coverage is available if your car has less than 24,000 miles and is totaled within the first two model years.
You can also add several more protections to your policy with Farmers, including:
- Towing and roadside service: Helps provide 24/7 roadside assistance for towing, tire changing, lockouts, and more.
- Rideshare insurance: Helps protect you while you drive for a rideshare service such as Uber or Lyft during periods when the company's insurance policy isn't in effect. This is often the case when you don't have an active passenger.
- Rental car reimbursement: Helps cover the cost of a rental vehicle for up to 30 days while yours is being repaired.
- Loss of use insurance: Provides you a flat sum to be used for transportation while your car is being repaired. Transportation can include car rentals, taxis, public transit, and more.
- Personal umbrella insurance: Provides additional umbrella liability coverage on top of your existing liability policy.
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.
Average rate:
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.
Tip
Call your insurance provider first. Pick out two to three car models — either new or used — and ask your insurance agent how much each car would cost to insure. You might be surprised how much one can save you over the others annually.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:
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1. Enter required personal information such as your first and last name and complete address.
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2. Add the vehicles you want to include on your policy and enter their information, including the VIN, vehicle year, make, model, and type.
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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.
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4. Enter your contact information, including an email address and phone number.
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5. Check to see whether you're eligible for any discounts.
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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.
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The online quote should take about 10 minutes on average, especially if you already have all the information you need on hand.
FAQs
Does Farmers auto insurance have a good reputation?
Farmers auto insurance generally has a good reputation as an established U.S. insurance provider. Farmers Insurance has an "A+" rating with the Better Business Bureau, despite many negative reviews, and an "A" rating for financial strength from AM Best.
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.
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.
Average rate:
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