Farmers Auto Insurance Review

Farmers Insurance is a popular option for those looking for extensive policy and coverage options. Aside from standard offerings, customers have access to add-ons like glass repair and speeding ticket forgiveness — unique and useful options that other companies lack. In other words, Farmers lives up to its promise of financial protection from accidents, rate increases, and anything in between. In our assessment of the best auto insurance companies, it ranks among the top providers.

That said, Farmers Insurance falls below the industry average for customer service when it comes to the actual claims process. You may have to work a little harder to make sure your claim is proceeding and providing you all the benefits under your coverage. However, Farmers Insurance does offer one of the better online management systems, so you at least have the tools to help you monitor your policy.

The Claim

Farmers Insurance claims that its 85 years in business has given it the ability to provide quality coverage, convenience, and personalized service. Farmers promises to not only cover injuries and damages, but to also provide tools and easy access to a neighborhood agent for guidance on all things related to your policy.

Is it true?

Sort of.

The J.D. Power 2018 Insurance Shopping Study, an in-depth look at how consumers choose insurance providers, rates Farmers just below average when it comes to the quality of its policy offerings — beating other top providers like State Farm and Allstate. Customers can expect all of the standard coverage types, from personal injury protection to uninsured motorist coverage. Farmers also offers a wide range of add-ons, including old favorites like roadside assistance and new options like rideshare coverage (in select states). When it comes to thorough policy offerings, Farmers delivers on its claims.

Farmers also makes good on its promises of convenience and personal service through its online resources. The Farmers Insurance online dashboard allows you to request adjustments to your coverage options, change your deductibles, and add or remove a vehicle from your policy. While not perfect, it means you can easily make changes to your policy and manage your account without having to spend time on the phone or visiting an agent in person. While you’ll always have access to a large network of agents, we like having convenient control over our coverage.

However, working with Farmers Insurance after signing up for a policy may not be as convenient as it seems. Although Farmers scored well in the Insurance Shopping Study, a separate J.D. Power study on overall customer satisfaction during the claims process ranks Farmers Insurance eighteenth out of 24 providers. Customers from the study reported that the quality of service they received while Farmers Insurance handled their repairs was below average. Complaints from the Better Business Bureau express similar opinions, with quite a few people reporting unexpected rate increases or difficulty when filing a claim. Helpful tools or not, Farmers may make you jump through more hoops and hurdles for your coverage than it claims.

Product Overview

Best for

People who prefer managing policies online or those seeking quick access to an in-person agent

Not for

People who want a more straightforward repairs process or a more financially stable company backing their claims

Features

Price
Quotes differ from person to person
In business since
1928
Standout features
Diverse range of policy and coverage options
Online dashboard to manage policies and coverage options
Widely available agents in all 50 states
24/7 claims center
Discounts
Experienced driver discounts
Homeowners discounts
Distant student discounts
Safety features discount (anti-theft and anti-lock brakes)
J.D. Power 2018 Insurance Shopping Study rating
836/1,000
(Below industry average)
J.D. Power 2017 Auto Claims Satisfaction Study rating
849/1,000
(Below industry average)
A.M. Best financial strength rating
A
Moody’s rating
A2
S&P Global rating
A

Extensive coverage options

Farmers offers thorough coverage options, with everything from a New Car Pledge to accident forgiveness. The former means that Farmers will pay for a brand-new car if your vehicle is totaled within the first two years of ownership. With accident forgiveness, Farmers will forgive one at-fault accident for every three years you drive without one — this prevents a costly premium increase. These comprehensive coverage options will potentially save you big money in the long run.

Assistance for daily driving needs

In the event of an accident, Farmers offers rental car reimbursement, so you won’t be without transportation while your car is in the shop. And even if you’re not in an accident, Farmers keeps your vehicle needs in mind with roadside assistance. For instance, Farmers will send someone to jump-start your car or change a tire — no matter where the car is.

Policy management

Farmers excels when it comes to online policy management, allowing you to easily manage your account through its online dashboard. If you download the Farmers Insurance Mobile App, you’ll also be able to view your ID card and make payments on the go. The app won’t let you make changes to your policy for security reasons, but it’s still a great resource for referencing your policy on the go.

Agents in all 50 states

When it comes to getting the most personalized help available, nothing beats speaking with an agent in-person. According to the J.D. Power 2018 Insurance Shopping Study, Farmers ranks about average for customer experiences with its local agents. Online management tools are convenient, but a great auto insurance provider will also have a strong network of agents.

24/7 claims center

The Farmers claims department is available 24 hours a day, seven days a week. Rather than having to wait for business hours, a Farmers claims representative will always be standing by, ready to answer questions or to receive any claims you report.

Possible drawbacks

Lack of learning materials

Unfortunately, Farmers offers little in the way of auto insurance education. Good learning materials can help anyone, especially new drivers, make an informed decision about what types of coverage best meet their needs. The companies that perform best in this category, like State Farm, integrate thorough help guides and video tutorials on their websites to help you understand coverage options and the basics of car care. Though Farmers car insurance does offer some online learning tools, they are not easy to find, and they lack detailed explanations.

J.D. Power Claims Satisfaction score

While Farmers scored about average in J.D. Power’s 2018 Insurance Shopping Study, it placed eighteenth out of 24 auto insurance providers in the more specific Claims Satisfaction Study. It’s dwarfed by industry giants like GEICO, State Farm, and Progressive. These ratings, based on the responses of 11,857 auto insurance customers, indicate that the process of filing a claim through Farmers may not be as forgiving as the rest of its policy management.

The Competition

Farmers Insurance
Progressive
Allstate
Our review
Our review
Our review
A.M. Best financial strength rating
A
A+
A+
J.D. Power 2017 Auto Claims Satisfaction Study score
849/1,000
853/1,000
864/1,000
Supplemental coverage options
13
10
12
Number of discounts
14
12
11
Online claim filing
24/7 support

Farmers Insurance vs. Progressive

Progressive offers some standout discounts for risky drivers and pet protection coverage options that we didn’t find with Farmers. You can also opt for a unique usage-based plan called Snapshot, which monitors your actual driving behavior through a telematics device installed in your car — if you’re a cautious driver, this plan could be a great way to save. However, when it comes to supplemental coverage, Farmers Insurance outpaces Progressive, offering several more options to beef up your policy. We recommend looking closely at the offerings you may need and comparing quotes from both providers.

Farmers Insurance vs. Allstate

Allstate excels at servicing its customers — one of Farmers' weakest areas. Allstate’s J.D. Power satisfaction scores are above the industry average, outranking Farmers by 15 points. And if you aren’t satisfied with Allstate’s claim process, the company offers a Claims Satisfaction Guarantee: You'll receive six months of premium cost credit if you’re unhappy with your auto claim. Allstate also has an extensive online library of tools and resources for better understanding auto insurance. Once again, Farmers manages to offer a more generous range of supplemental coverage options than Allstate, but it’s worth getting a quote from Allstate if it meets your basic coverage needs.

Farmers Insurance FAQ

Does Farmers Insurance have accident forgiveness?

Yes. Farmers Insurance does offer an accident forgiveness clause in its policies. Farmers will forgive an at-fault accident every three years you drive accident-free. It is an optional addition, but could be worth it for safe drivers who want to avoid premium hikes.

Does Farmers Insurance cover rental cars?

In some cases. The particular policy varies by state, but it is possible that your Farmers insurance would cover a rental car. Most often, rental agencies will charge fees for their own insurance, which will take care of any damages while renting. Check with your local agent to see if this applies to your policy.

How many states is Farmers Insurance in?

Drivers in all 50 states will have the opportunity to own a policy with Farmers Insurance. Its vast network means anyone can get a quote to compare, and you’ll always have agents at hand.

The Bottom Line

Farmers Insurance provides access to thorough coverage options and a large network of agents that will fit most needs — it’s considered one of the best insurance companies for policy offerings. However, customers have reported that the claims filing and repairs process can involve more obstacles than we’d like. This is difficult to overlook, considering a convenient claims process is one of the most important factors when choosing an insurance provider. If you want the most straightforward auto insurance experience, you’ll want to look at other options. But for those who prize policy and coverage options above all else, Farmers is worth a look.