Farmers Auto Insurance Review (2022)
Farmers Insurance rates are higher than average, but most customers leave positive reviews. Discounts are available to offset the higher rates.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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UPDATED: Aug 31, 2022
It’s all about you. We want to help you make the right coverage choices.
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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 you money. Drivers can also save by signing up for Farmers’ usage-based insurance program, Signal.
While customers highly recommend Farmers, rates tend to be higher than other companies. Read on to learn more about Farmers Insurance, then compare quotes with other companies to ensure you find the best policy possible.
Table of Contents
Farmers Insurance Pros and Cons
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Although Farmers isn’t as large as other providers, Farmers offers plenty of benefits. Consider these Farmers’ perks:
- Extensive coverage and discount options
- High customer service ratings
- Offers Signal, a usage-based insurance discount
However, like all insurance companies, Farmers Insurance has flaws. Here are some cons to look for:
- Not available in every state
- Rates are higher than average
Despite lower ratings in areas, Farmers typically receives positive customer reviews.
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Is Farmers good car insurance?
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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.
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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 the claims phone number.
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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
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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.
What car insurance types does Farmers sell?
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 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 coverage 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 coverage protects your car from fire, weather, animal contact, theft, and vandalism.
- Personal injury protection (PIP). PIP coverage 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 depend on your unique situation.
For example, people who own their car and can afford to replace it will probably be fine with their state minimum requirements. Most states require liability, while 14 states require uninsured motorist coverage. Minimum insurance is a good option if you’re trying to stay on a budget.
If you have a vehicle lease or loan, or if you couldn’t afford to replace it, you’ll probably need full coverage. Full coverage includes all five insurance types listed above.
Don’t know what’s best for you? No need to worry — a Farmers car insurance representative can help you figure it out.
Additional Farmers Auto Insurance Options
While standard insurance offers complete coverage, you can customize your policy with add-ons.
Add-ons are optional coverages that protect you from specific events. Most insurance companies offer various add-ons, and Farmers is no different:
- Accident forgiveness. Farmers will forgive one at-fault accident for every three years you spend accident-free. Accident forgiveness keeps your rates from increasing.
- Loss of use. Farmers will reimburse you for rental cars, cabs, public transport, or rideshares if your car is in the mechanic shop after a covered incident.
- New car replacement. If your new car is totaled, Farmers will replace it with a new one. Your vehicle must be within two model years, and you must have put less than 24,000 miles on it.
- Custom equipment coverage. Standard insurance only covers original car parts. If you install custom equipment, you’ll need custom equipment coverage to repair or replace it after an accident.
- Rideshare. If you drive for a company like Uber or Lyft, your personal policy won’t cover you while you work. Farmers’ rideshare insurance protects your car while you’re working.
- Original equipment manufacturer (OEM). If you need replacement parts, OEM coverage ensures any repairs after an accident use original manufacturer parts instead of aftermarket pieces.
- Roadside assistance. With Farmers roadside assistance, you’ll get help with towing, battery jumps, locksmith services, winching, and flat tires.
- Glass deductible buyback. If you buy this coverage, replacing or repairing your windshield or other glass will cost you just $100.
While these additional coverages increase your insurance rates, they add invaluable protection to your car.
How much does Farmers insurance cost?
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.
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 Average
AK $1,667 $1,195 $807 $737 $1,223
AL $1,332 $1,644 $1,099 $1,999 $1,189 $1,388 $1,337 $972 $691 $1,370
AR $2,007 $1,120 $1,227 $1,581 $1,620 $989 $1,367 $674 $1,416
AZ $2,226 $1,664 $808 $1,436 $1,039 $999 $1,292 $780 $1,352
CA $1,996 $1,553 $1,732 $1,774
CO $2,054 $1,457 $2,010 $1,161 $1,133 $1,324 $1,490 $1,168 $960 $1,475
CT $2,421 $768 $2,486 $1,382 $1,641 $1,126 $1,030 $956 $1,550
DC $2,976 $855 $2,126 $1,420 $1,371 $592 $1,750
DE $2,555 $1,243 $6,117 $1,777 $1,115 $1,431 $1,019 $532 $2,180
FL $2,263 $1,103 $1,995 $1,272 $1,889 $1,223 $578 $1,624
GA $2,035 $754 $3,259 $1,878 $1,417 $1,324 $879 $1,778
HI $1,113
IA $1,169 $1,008 $1,006 $1,432 $900 $930 $804 $1,143 $678 $1,049
ID $1,587 $1,148 $1,139 $708 $975 $1,018 $653 $707 $495 $992
IL $2,172 $1,405 $587 $935 $1,146 $1,103 $796 $1,077 $767 $1,153
IN $1,729 $1,328 $977 $785 $2,269 $1,198 $849 $872 $856 $529 $1,207
KS $1,973 $1,408 $1,781 $923 $2,148 $1,141 $1,575 $1,003 $1,071 $697 $1,447
KY $988 $2,080 $2,277 $1,377 $1,212 $1,725 $886 $1,610
LA $2,547 $1,739 $1,990 $1,537 $1,211 $1,953
MA $1,342
MD $2,481 $1,671 $1,313 $1,493 $1,322 $990 $1,656
ME $1,334 $1,446 $454 $1,485 $1,166 $724 $759 $455 $1,053
MI $5,017 $4,140 $1,219 $5,250 $3,184 $1,880 $2,585 $2,268 $1,320 $3,193
MN $1,977 $1,156 $1,333 $1,118 $4,640 $1,070 $828 $837 $1,732
MO $1,831 $1,313 $1,674 $1,112 $1,597 $816 $1,212 $1,051 $618 $1,326
MS $1,822 $886 $1,477 $1,190 $1,487 $1,018 $1,092 $671 $1,282
MT $1,903 $2,025 $1,020 $726 $1,093 $2,109 $870 $614 $1,392
NC $2,095 $851 $1,020 $1,367 $393 $949 $1,228 $1,129
ND $1,679 $1,793 $1,324 $749 $4,919 $949 $1,364 $943 $542 $1,715
NE $1,545 $1,381 $1,606 $1,139 $2,213 $952 $1,175 $850 $687 $1,358
NH $1,585 $624 $2,453 $953 $785 $729 $510 $1,188
NJ $1,948 $2,861 $917 $3,446 $1,154 $1,403 $1,679 $1,915
NM $1,958 $1,615 $1,119 $1,186 $1,069 $855 $799 $1,300
NV $2,046 $1,734 $1,915 $1,361 $1,375 $1,386 $1,018 $1,272 $1,122 $851 $1,470
NY $1,820 $963 $2,473 $2,026 $1,188 $1,695 $2,159 $1,053 $1,761
OH $1,483 $764 $1,193 $728 $1,311 $1,408 $1,051 $863 $784 $507 $1,065
OK $1,668 $1,684 $1,350 $2,279 $1,362 $1,122 $839 $1,577
OR $1,896 $1,313 $1,378 $1,155 $1,738 $1,372 $959 $926 $1,197 $720 $1,326
PA $1,829 $843 $2,704 $1,066 $1,834 $938 $931 $705 $1,449
RI $2,333 $1,547 $2,905 $2,351 $1,438 $939 $1,275 $801 $1,827
SC $1,650 $2,059 $979 $1,459 $1,294 $1,089 $851 $1,422
SD $1,682 $1,867 $1,398 $706 $2,849 $943 $1,298 $827 $1,446
TN $1,777 $1,065 $970 $1,464 $1,141 $895 $1,090 $723 $1,200
TX $2,488 $2,171 $1,303 $1,908 $1,493 $1,109 $772 $1,745
UT $1,442 $1,296 $1,417 $906 $1,466 $1,154 $1,174 $1,269 $614 $1,266
VA $1,277 $859 $1,061 $754 $785 $537 $947
VT $1,759 $469 $1,242 $954 $2,233 $1,079 $523 $1,289
WA $1,415 $1,130 $1,260 $922 $1,140 $866 $746 $858 $565 $1,042
WI $1,521 $774 $1,346 $766 $1,039 $2,797 $1,158 $721 $578 $1,265
WV $2,000 $1,030 $2,419 $1,288 $1,362 $979 $828 $1,513
WY $1,918 $1,604 $1,369 $922 $1,017 $705 $1,366
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.
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 Rates for Teen Drivers Rates for Parents with Teen Driver
Allstate $7,225 $8,005
American Family $5,177 Rates unavailable
Farmers $8,754 $6,310
GEICO $3,391 $4,070
Liberty Mutual $8,744 Rates unavailable
Nationwide $5,608 $3,526
Progressive $9,036 $6,483
State Farm $4,055 $3,687
Travelers $10,009 Rates unavailable
USAA $2,876 $4,627
Average $6,889 $5,347
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 has an impact on 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 Rates with a DUI Rates with an Accident Rates with a Ticket Rates with a Clean Record
Allstate $3,638 $2,848 $2,342 $1,993
American Family $2,124 $2,000 $1,571 $1,386
Farmers $2,296 $2,383 $2,108 $1,674
GEICO $2,566 $1,595 $1,282 $984
Liberty Mutual $3,900 $2,840 $2,600 $2,120
Nationwide $3,028 $1,983 $1,737 $1,445
Progressive $1,760 $2,284 $1,710 $1,310
State Farm $1,490 $1,285 $1,227 $1,091
Travelers $2,765 $1,888 $1,780 $1,287
USAA $1,335 $996 $859 $753
Average $2,619 $2,123 $1,818 $1,477
While Farmers is higher in every category, it’s more in line with the national average for DUIs, as this table shows.
Insurance Company Rates with a DUI Rates with a Clean Record
Allstate $3,638 $1,993
American Family $2,124 $1,386
Farmers $2,296 $1,674
GEICO $2,566 $984
Liberty Mutual $3,900 $2,120
Nationwide $3,028 $1,445
Progressive $1,760 $1,310
State Farm $1,490 $1,091
Travelers $2,765 $1,287
Average $2,619 $1,477
Let’s look at how Farmers rates compare for drivers with an accident on their record.
Insurance Company Rates with an Accident Rates with a Clean Record
Allstate $2,848 $1,993
American Family $2,000 $1,386
Farmers $2,383 $1,674
GEICO $1,595 $984
Liberty Mutual $2,840 $2,120
Nationwide $1,983 $1,445
Progressive $2,284 $1,310
State Farm $1,285 $1,091
Travelers $1,888 $1,287
Average $2,123 $1,477
And finally, here’s a comparison of Farmers auto insurance rates for drivers with a speeding ticket.
Insurance Company Rates with a Ticket Rates with a Clean Record
Allstate $2,342 $1,993
American Family $1,571 $1,386
Farmers $2,108 $1,674
GEICO $1,282 $984
Liberty Mutual $2,600 $2,120
Nationwide $1,737 $1,445
Progressive $1,710 $1,310
State Farm $1,227 $1,091
Travelers $1,780 $1,287
USAA $859 $753
Average $1,818 $1,477
As you can see, keeping your driving record clean can help you keep your insurance rates low.
Farmers Insurance Rates by Coverage
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
CompanyAverage Minimum
Coverage RatesAverage Full
Coverage Rates
Allstate $605 $1,993
American Family $582 $1,386
Farmers $674 $1,674
GEICO $290 $984
Liberty Mutual $771 $2,120
Nationwide $588 $1,445
Progressive $484 $1,310
State Farm $408 $1,091
Travelers $471 $1,287
USAA $238 $753
Average $541 $1,477
Farmers insurance quotes by coverage type are higher than other companies. However, Farmers offers many ways to save.
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Farmers Car Insurance Discounts
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.
Does Farmers sell other insurance types?
Since Farmers offers a policy bundling discount, there are plenty of coverage options for anything you need to protect. Farmers sells the following insurance types:
- Boat and watercraft
- RV and fifth wheel
- ATV and off-road vehicles
- Business
- Homeowners, mobile and manufactured home, condo, and renters
- Flood and earthquake
- Vacation home
- Motorcycle
- Collectible and classic car
- Term, whole, universal life
- Landlord
- Commercial auto
- Pet health
- Personal umbrella
With so many options available, the Farmers Insurance Group has something for everyone. However, check with an insurance representative or go online to ensure the product is available in your state.
Find the Right Car Insurance for You
Farmers offers a wide variety of products to cover your car from just about anything the road can throw at it. While Farmers’ prices tend to be higher than competitors, it might have the best coverage for you.
However, you should always shop around for insurance. Comparing quotes with as many companies as possible will help you find the best policy and rate.
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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.
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
kdc2285
Farmers
briiiii
We are farmers