Table Of Contents
- Farmers Insurance Review
- About Farmers Insurance
- Farmers Insurance Customer Reviews
- Farmers Car Insurance Rates
- Farmers Auto Insurance Coverage
- Farmers Insurance: Additional Coverage Options
- Farmers Insurance Mobile Apps
- Farmers Auto Insurance Reviews: Conclusion
- Farmers Car Insurance Reviews: FAQ
Dash Lewis
Dash Lewis Content Writer
12/23/2023 08:52 PM
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Farmers has been offering insurance products since 1928, but is the insurer the right choice to protect your vehicle? In this review, our team takes a closer look atFarmers insurancereviews,coverage options,average rates, and more to see how it compares to the industry’sbestcar insurance companies.
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Farmers Insurance Review
We rate Farmers 4.3 out of 5.0 stars. Its comprehensive car insurance coverage, nationwide availability, positive Farmers insurance reviews, and A- financial strength rating from AM Best make it a smart choice for many drivers looking to insure their vehicle. However, you may be able to find more affordable rates from another top insurer.
| Reviews Category | Rating Score |
|---|---|
| Cost | 4.0 |
| Coverage | 4.5 |
| Reliability | 4.4 |
| Service | 4.4 |
| Overall Rating | 4.3 |
About Farmers Insurance
Founded: 1928
Parent company:Zurich Insurance Group
States available: All states
AM Bestfinancial strengthrating: A-
For nearly 100 years, Farmers Insurance Group has been providing top-ratedinsurance coverageto customers. Today, Farmers offers coveragenationwidethrough its network of over 48,000local agents.Insurance productsoffered through Farmers include:
- Auto insurance
- Homeowners insurance
- Renters insurance
- Landlord and rental properties insurance
- Life insurance
- Business insurance
- Motorcycle insurance
- Recreational insurance
- Umbrella insurance
Farmers Insurance Customer Reviews
Better Business Bureau (BBB) rating: A
BBB complaints in the past three years: 981
J.D. Powercustomer satisfactionindex:893 / 1,000
Trustpilot rating: 2.0 / 5.0
Farmers insurance reviews from customers tend to be mixed. However, with an A- rating from AM Best and an A rating from the BBB, the company has a sound industry reputation.The insurer has a 2.0-star consumer rating on Trustpilot and a 1.4-star rating from customers on the BBB. It is important to note that neither site has a large number of reviews for theprovider, so this is not representative of all Farmerspolicyholders.
Below are some sample positive reviews and complaints about Farmers Insurance’s services:
PositiveFarmers InsuranceReviews
“I just switched my home, auto, motorcycle, and horse trailer [insurance] to Farmers. [The customer service representative] patiently reviewed my current coverage, took away things I didn’t need, and [added] things I should have. So professional and [Farmers] truly cares about you as an individual.”
– Kat T. via Trustpilot
“Great company with a solid, financially sound product at a great price. I’m very pleased with my experience and I almost cut my auto rates in half for more coverage.”
– Eddie H. via BBB
Farmers Insurance Complaints
“After being pressured to take my truck to their ‘preferred’ body shop, I’m still waiting and it’s been five weeks. A repair that should have taken one week, ten [days] at most, has dragged on for over a month with no end in sight.”
– Anthony A. via BBB
“It’s impossible to get anyone on the phone after filing a claim. I [had] to leave 4 to 5 voicemails before anyone would call back.”
– Jade D. via BBB
Farmers Insurance Claims Reviews
On the other hand, Farmers performed well in theJ.D. Power2021 U.S. Auto Claims Satisfaction Study℠, highlighting its positiveinsurance claimsexperience. Farmers ranked fifth overall and scored 893 out of 1,000 points, which is above the industry average.
Farmers Car Insurance Rates
Based on our rate estimates, full coverage auto insurance from Farmers costs about$2,032 per year. The insurer’s average cost is 17 percent higher than the national average, which is $1,732 per year for a full coverage policy.
Farmers Car Insurance Rates: Estimates By State
To give you a better idea of what you may pay with theprovider, the table below highlights the average cost in a number of states whereFarmers auto insuranceis available. These estimates are based on a 35-year-old driver with a clean driving record and good credit.
| State | Annual Rate Estimate | State | Annual Rate Estimate |
|---|---|---|---|
| Alabama | 2,195.0 | Arizona | $2,064 |
| Arkansas | 1,487.0 | California | $2,963 |
| Colorado | $2,508 | Florida | $3,715 |
| Hawaii | $1,464 | Idaho | $1,579 |
| Illinois | $2,067 | Kansas | $1,854 |
| Minnesota | $1,709 | Missouri | $2,164 |
| Montana | $2,294 | Nebraska | $1,920 |
| Nevada | $3,135 | New Jersey | $3,084 |
| New Mexico | $1,828 | North Dakota | $1,465 |
| Oklahoma | $1,830 | Oregon | $1,872 |
| South Dakota | $1,860 | Tennessee | $1,518 |
| Texas | $1,278 | Utah | $2,116 |
| Washington | $1,353 | Wyoming | $1,522 |
*Farmers auto insurancecost information not available for all states.
It’s important to note that these are estimates and the rates you receive will vary. The best way to determine how much you’ll pay is to get a personalizedcar insurance quote. There are multiple factors that commonly affect the cost of insurance, which include:
- Age
- Driving history
- Credit score
- Gender
- Location
- Annual mileage
- Marital status
- Type of vehicle
Farmers Auto Insurance Discounts
Farmers insurance reviews mention the company’srange of discounts that can help make yourauto insurance policyas affordable as possible. Farmers autopolicy discountsinclude:
| Multiline | Get a multi-policy discount when you bundle at least one additional Farmers policy with your auto insurance, such as a homeowners insurance policy. |
| Multicar | Save money when you insure more than one vehicle with Farmers. |
| Affinity | Receive a discount if you’re part of certain businesses or organizations or if you’re a military member. |
| ePolicy | Save on your premium by enrolling in ePolicy. |
| Good Payer | Get a discount if you have no billing late fees within the last 12 months (not available in California). |
| Safe Driver | Receive a discount if you have zero bodily injury points on your policy. |
| Distant Student | This discount is available if you have a student who goes to school at least 100 miles away and doesn’t regularly use the covered vehicle. |
| Good Student | This discount is offered to students with a 3.0 GPA or higher, those on the Dean’s list or honor roll, or students in the top 20 percent of their class. |
| Shared Family Car | Get a discount if you have more active drivers than vehicles in your household (not available in California). |
| Mature/Defensive/Senior Driver | Receive a discount if you’re over 55 and you’ve completed state-approved safe driving training in the last three years (not available in all states). |
| Homeowner | Save money on your auto policy if you’re a homeowner. |
| EFT | This discount is offered to those who use automatic monthly payments to pay their policy bill. |
| Pay In Full | Get a discount when you pay your premium in full at the start of the policy term. |
| Homing Device | Receive a discount if you have a device installed to your vehicle that can track and locate your car if stolen (system must be approved by Farmers). |
| VIN Etching | Get a discount if you have your vehicle identification number (VIN) etched on glass and other surfaces. This discount is not offered in all states. |
Farmers has discounts for some additional vehicle safety features as well, such as antilock brakes, anti-theft devices, daytime running lights, airbags, and automatic seatbelts. However, these discounts are not available in all states.
Farmers Signal Discount
The Signal app offersFarmers customersthe opportunity to earn an initial five percent discount for safe driving. You can then save 15 percent each time your policy renews as well as another 10 percent for enrolling drivers under 25 in your household.
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Farmers Auto Insurance Coverage
Farmers Insurance offers the six standard types of coverage:
| Liability | Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault. |
| Collision | Collision coverage pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or if you flip your vehicle. |
| Comprehensive | Comprehensive coverage pays for damages to your own vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized. |
| Medical Payments | Medical payments (MedPay) covers medical bills for you and your passengers after an accident. |
| Personal Injury Protection | Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages. |
| Uninsured/Underinsured Motorist | Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages. |
Farmers Car Insurance: Additional Coverage Options
The company offers a range ofadd-oncoverage options, which include:
| Rideshare Insurance | Coverage for Uber and Lyft drivers |
| Towing and Roadside Assistance | Provides services for towing, lockouts, jump-starts, and fluid delivery |
| Loss of Use | Covers a certain amount of transportation costs while your car is repaired |
| Guaranteed Value™ | Pays an agreed-upon value if your car is a total loss |
| Customized Equipment | Covers cost to repair/replace aftermarket equipment |
| Personal Umbrella | Additional liability coverage to protect your assets from lawsuits |
| Glass Deductible Buyback | Covers repair/replacement of windshield and glass ($100 deductible) |
| Full Windshield and Glass Coverage | $0 deductible on glass repair/replacement |
| Spare Parts Coverage | Covers cost to replace spare parts up to $750 |
| Original Equipment Manufacturer (OEM) | Covers cost of using factory-original parts |
| New Car Replacement Coverage | Covers the cost to replace your car with a new one of the same make/model |
| Accident Forgiveness | Forgiveness of one at-fault accident every three years |
Does Farmers Insurance Cover Rental Cars?
Your Farmers auto insurance policy will cover rentals cars. However, this coverage is limited to the terms of your personal car insurance policy. This can work out fine if you own a luxury car that is covered under your policy, but if you have an old vehicle there may not be enough coverage for a rental. If your policy covers your rental you will usually only be required to pay a deductible if there is any damage. To find out your rental car coverage, You can either read your policy to find out what limits to coverage or call a Farmers agent.
How To Cancel Farmers Insurance
You can cancel your Farmers Insurance policy by calling an available agent at 888-327-6335, visiting your local Farmers office, or mailing a cancellation letter to: Farmers Customer Service, 6301 Owensmouth Avenue, Woodland Hills, CA 91367. You are able to cancel at any time, but be aware that you may be charged a $50 early cancellation fee. So if you are planning to cancel your policy it may be best to wait till close to the end of your Farmers Insurance policy term.
Farmers Insurance: Additional Coverage Options
Farmers Insurance offers more than just car insurance coverage and they have many options for life insurance and home insurance. Below we breakdown their homeowners and life insurance policy coverage offerings:
Farmers Home Insurance
Farmers offers three tiers for home insurance policies which include standard, enhanced, and premier plans. Their standard policies come with dwelling coverage, loss of use coverage, non-related weather damage coverage, personal property protection, and liability coverage. Flood and earthquake insurance is excluded from the standard policy but they are available as add-on options. For those renting or living in condos Farmers Insurance also offers specialized rental insurance coverage for liability, personal property, outbuildings, and displacement. Many discounts are also offered for homeowners policies including a multipolicy discount, claim free discount, claim forgiveness, and more.
Farmers Life Insurance
Farmers provides two types of life insurance policies which include term and permanent. Term life insurance policies include simple life insurance and value life insurance which are each offered for terms of 10,20 and 30 years. Simple life insurance policies do not require a medical exam or lab test and coverage starts at $75,000 while value term life insurance coverage starts at $150,000 with no maximum. There are four permanent life insurance options with farmers and they are as follows:
- Farmers EssentialLife Simple Whole Life Insurance
- Farmers Graded Benefit Whole Life insurance
- Farmers Index Universal Life insurance
Farmers Insurance Mobile Apps
Using the Farmersmobile app, you can pay your policy bill, access your auto insurance ID card, start a claim, and more. The app is highly rated with a 4.8 out of 5.0-star rating on the App Store and a 4.6-star rating on Google Play.
Farmers Signal App
Farmers offers usage-based insurance through its Signal®app which offers discounts on your premiums for good driving.To participate in the Signal program, call yourFarmers agent. They can text you a link to download the Signal app so you can get started. The Signal usage-based insurance program is available in all states except Louisiana, Massachusetts, Mississippi, Missouri, and Oregon.
Farmers Auto Insurance Reviews: Conclusion
Our reviews team rates Farmers auto insurance 4.3 out of 5.0 stars for its many comprehensive coverage options for vehicles, great reputation, and nationwide availability. While the company does not have especially competitive rates, its coverage and good customer service reputation may be worth the cost. While Farmers can be a good choice for car insurance, we recommend searching around and comparing quotes before committing to a provider.
Farmers Auto Insurance Competitors: Top Picks
When you’re searching for the best andcheapestcar insurancethat will fit your needs, it’s best to get quotes from multipleprovidersbefore making a final decision. We recommend reaching out toGeicoand USAA to find quality coverage at thebest rates.
Geico: Best Overall Provider
Our review team namesGeicothe Best OverallProviderin 2022. As the second-largest insurer in the U.S.,Geicohas a standout industry reputation and a strong history ofcustomer satisfaction.Geicohas an A++AM Bestfinancial strengthrating, highlighting its ability to reliably meet claims obligations, as well as an A+ BBB rating.
The insurer is known for offering some of the lowest averagecar insurance ratesfor many drivers along with a wide range of discount opportunities. It also offers usage-based insurance through its DriveEasy program, which can help safe drivers save on their premiums.
USAA: Best For Military Members
While USAA is only available to military members, veterans, and their families, it’s a great option for those who qualify. USAA consistently offers some of the most affordable ratesnationwideand is known for offering quality autoinsurance coverage.
USAA holds an A+ rating from the BBB and an A++AM Bestfinancial strengthrating. The company also frequently receives high scores inJ.D. Powercustomer satisfactionstudies.
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Farmers Car Insurance Reviews: FAQ
Does Farmers Insurance have a good reputation?
Is Farmers the most expensive insurance?
What is the parent company of Farmers Insurance?
How long has Farmers Insurance been in business?
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments ofcar insurance providers. While there are multiple qualities that make acar insurance companysuccessful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look atinsurance rateestimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage:To determine our coverage score, we look at the number ofcoverage optionsavailable as well as coverage limits anddeductibleoptions. Our ratings also take into account additional services and benefits likeroadside assistance.
- Reliability:It’s important that an auto insurer is able to meet its claims obligations. Companies with a strongfinancial strengthrating fromAM Bestscore best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service:We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider theclaims process, giving higher ratings tocar insurance providersthat offer easy-to-use claims apps.
*Data accurate at time of publication.
