Farmers Auto Insurance Review (2024)

After a devastating earthquake struck Los Angeles in the 1930s, the Farmers Insurance L. A. Home Office immediately sent out the following call — “Pay them. Pay them all.” With that, Farmers was the first insurance company to offer comprehensive auto insurance coverage.

Today, Farmers is a nationally recognized brand with Hollywood-powered marketing and an overall positive reputation.

Unfortunately, when shopping for Farmers quotes online, you’ll find that rates are in the upper 25% of the most expensive insurance companies. Farmers auto insurance for young adult drivers and teens also tends to be more expensive.

Use this guide to compare Farmers to some of the best auto insurance company quotes, especially if you’re considering buying a new vehicle or adding a young adult driver to an existing policy under your name. (For more information, read our “How to Add Another Driver to Your Auto Insurance Policy“).

Keep reading to discover all the discounts and savings you stand to receive from Farmers or if the competition suits your needs.

What You Should Know About farmers insurance group

Yes, Farmers is a reputable insurance company you can trust to pay out claims and offer excellent customer service. Since 1928 when Farmers Insurance realized that actual farmers were safer drivers and entitled to better quotes, it’s been fulfilling its obligation as a top auto insurance provider to policyholders across the U.S.

The majority of the U.S. has access to Farmers insurance products. However, Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, and Washington, D.C. drivers cannot get Farmers auto or home insurance.

Additionally, it doesn’t offer life insurance in New York or homeowners insurance in South Carolina.

Farmers Customer Service

Farmers Insurance reviews from customers are very strong — over half of all Farmers customers surveyed said they were happy with the provider’s level of service. Farmers is a respectable insurance provider with many policy customization choices and favorable client feedback.

However, its exceptional customer service comes at an additional cost, literally. Homeowners and auto insurance costs were around 14% higher than usual. It’s ironic, considering most of their previous customers who decided to go price-comparison shopping and left did so because their premiums went up over 10%.

Farmers Claims Handling

According to the J.D. Power 2022 U.S. Auto Claims Insurance Study, Farmers ranked above the national average and tied for 6th place with State Farm. In addition, most customers said that processing an insurance claim with Farmers was easy.

If you need to file a claim, you can call the Farmers claims phone number at (888) 435-7764.

Pros and Cons of Farmers Auto Insurance

Farmers insurance tends to satisfy many customers while getting its fair share of complaints. In reality, each insurance company has benefits and drawbacks that you should consider when choosing a plan.

A few advantages of purchasing a Farmers auto insurance policy are listed below:

• High customer satisfaction
• Fast claims processing
• Third-highest customer satisfaction rating in the 2022 J.D. Power Insurance Shopping Study
• Very high scores for the Farmers Insurance app — 4.8 on Apple and 4.6 for Android devices

Customers who have Farmers auto insurance say they are happy with the coverage, which is reflected in the company’s financial performance and client satisfaction levels. However, Farmers auto insurance also has several disadvantages that prospective customers should consider before buying a policy.

Some of the cons of getting an auto insurance policy with Farmers include:

• Customers are less likely to renew their policy than other insurance providers
• Not available in all states
• Pricier for younger and older demographics
• More expensive than the national average
• Farmers does not offer guaranteed asset protection or gap coverage

Farmers is just one insurance company. Make sure you’re also considering and comparing the top 10 auto insurance companies in the U.S.

farmers insurance group Insurance Coverage Options

As one of the top 10 largest national insurers in the U.S., Farmers offers all the standard auto insurance coverages as the competition, including the legally required minimums and more.

Here is a list of car insurance offered by Farmers:

• Bodily injury liability. When you cause an accident, your bodily injury liability coverage compensates for the other parties’ medical costs.
• Property damage liability. Covers any vehicle or property damage you cause to someone else during an accident. This plan does not cover your car or other belongings.
• Collision insurance. Regardless of who is at blame, collision insurance covers your car’s damages if it collides with a stationary item or another moving object.
• Comprehensive insurance. Your vehicle’s damages from non-collision events like weather, falling items, vandalism, animal damage, or theft are covered by comprehensive auto insurance.
• Protection against uninsured or underinsured drivers (UI/UIM). If a hit-and-run accident or collision with an uninsured driver occurs, uninsured/underinsured motorist coverage will cover the costs of your vehicle’s damages and medical expenses.
• Medical benefits (MedPay). Pays for your and your passengers’ medical expenses after an accident, regardless of who is at fault.
• Personal injury protection insurance (PIP). Covers medical expenses for you and your passengers, as well as lost wages and other household costs while you recover from any injuries.

Full coverage auto insurance includes both bodily injury and property damage liability coverage and collision and comprehensive insurance. Depending on your state, PIP may also be required, and UM/UIM is also highly recommended, with hit-and-run accidents rising every year.

Full coverage is generally a good idea if your car is valuable or would be difficult to replace with just your savings. Although it isn’t legally necessary, if you have a car loan or lease, some lenders might.

For older vehicles that might not be worth investing in repairs, you can carry liability-only coverage, which is the legal minimum required in most states. It can result in savings of up to 66% per year over full coverage insurance.

How much is Farmers minimum insurance coverage?

Although the minimum coverages required by each state differ, a liability auto insurance or minimum auto insurance policy provides the protection you need to drive legally. Despite being less expensive than a full coverage policy, minimum insurance provides little protection because it excludes coverage for your car or medical expenses.

Farmers does offer liability-only insurance at affordable rates:

Average Monthly Minimum Coverage Rates for the Top Auto Insurance Companies

Farmers minimum coverage rates are slightly more expensive, coming in at $102.90 monthly for drivers with a clean record. The national average for minimum liability is around $80.

How much is a Farmers full coverage auto insurance?

Although a full coverage policy is more expensive than minimum coverage, it offers more protection.

Compare Farmers insurance quotes against full coverage costs at other national companies:

Average Monthly Full Coverage Rates for the Top 10 Auto Insurance Companies

A 45-year-old can expect to pay around $139 monthly for a full coverage Farmers auto insurance policy, with the next cheapest options being Geico, State Farm, and Travelers.

Does Farmers sell any additional or specialized car coverages?

Drivers may be able to add choices like new car replacement, accident forgiveness, and even full windshield and glass coverage to the normal policy options for auto insurance.

If you want to protect your vehicle beyond the standard auto insurance coverages, review the additional Farmers coverage options below to see if they would benefit your circumstances.

• Towing and roadside assistance. Farmers offers helpful roadside assistance, towing, winching, and connections to emergency services.
• Accident forgiveness. Farmers won’t raise rates after your first accident. Drivers automatically enroll in accident forgiveness after five years without an at-fault accident. (Not available in CA, HI, NY & SC.)
• Rideshare insurance. This insurance is crucial to people engaged in driving rideshare services such as Uber or Lyft in the event of an accident resulting in injury claims.
• Rental reimbursement. Up to 30 days of rental car reimbursement to help you manage your life while your car is in the shop.
• OEM parts replacement. If your vehicle is less than 10 years old, you can receive original equipment manufactured parts, meaning not after-market parts, in the event of needed repairs after an accident.
• New car replacement. Farmers will replace your new car with the same make/model before 24,000 miles on the odometer if you total the vehicle in a covered claim.
• Guaranteed value car insurance. Great for classic cars and antique vehicles, this type of coverage pays out at a predetermined price for an insured vehicle
• Personal umbrella. Provides additional liability coverage above the limits on your auto policy to increase the protection of your assets.
• Customized equipment. This covers any vehicle upgrades, such as infotainment systems and custom wheels, if your auto insurance policy includes collision and comprehensive coverage.
• Glass deductible buyback. If you need windshield repairs, your deductible will be paid by Farmers up to $100. (For more information, read our “Will auto insurance pay for windshield repairs?“).

These are just some of the featured additional coverages Farmers Insurance is known for.

What other types of insurance does Farmers sell?

Farmers provides numerous other insurance products in addition to auto insurance, enabling policyholders to take advantage of multi-policy discounts. For example, drivers can combine their auto and home insurance policies to receive a bundling discount.

Farmers offers the following kinds of insurance:

• Commercial and business insurance
• Auto insurance for collectibles and antiques
• Flood protection
• Homeowners and renters insurance
• Specialty vehicle insurance for off-road vehicles
• Motorcycle insurance
• Motor home and RV insurance
• Maritime and boat insurance for personal watercraft
• Insurance for travel trailers
• Umbrella coverage

As you can see, Farmers offers a range of additional insurance plans to satisfy the requirements of almost every driver.

Does Farmers have a mobile app?

Farmers has a highly-rated mobile app available for download on the App Store and Google Play Store. The app allows you to pay your auto insurance bill, request roadside assistance, get an ID card, and file a claim.

Farmers mobile app ratings are good. On the App Store, the app has a 4.8/5 star rating, whereas the Google Play Store has an average rating of 4.6/5 stars.

Farmers Auto Insurance: The Bottom Line

Farmers auto insurance is slightly more expensive than other national companies, including Geico and State Farm. Rates are above average for drivers in almost every demographic, especially teens and young adults.

However, Farmers has stellar financial ratings and high customer satisfaction. You can rest assured that the company will look after your policy and pay out any claims.

If customer service is important to you, there is a wide variety of Farmers insurance discount opportunities to help reduce the cost of your auto insurance policy. Enter your ZIP code below to compare Farmers insurance quotes to the most competitive auto insurance companies in your city.

farmers insurance group Insurance Rates Breakdown

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