Reviews Report
- Recent national rate studies estimate Farmers’ average full-coverage premium at roughly $2,700–$2,900 per year; for example, NerdWallet pegs it near $2,807, which is above the U.S. average in the same dataset.
- Across the market, recent full-coverage averages range from about $2,148 (NerdWallet) to about $2,543 (Bankrate), underscoring how much rates have risen since earlier years.
- Drivers can file a Farmers car insurance claim online, in the mobile app, or through a local agent; telematics and crash-assistance features are increasingly used to speed first notice of loss and post-crash help (CrashAssist).
Farmers car insurance is one of the most recognized insurance companies in the industry with a widespread network of offices and agents nationwide. Industrywide, auto insurance customer satisfaction declined in 2022–2023 amid sharp premium increases, then stabilized in 2024 as rate hikes moderated, according to J.D. Power. For a current, regulator-reported snapshot of complaints by company and line, consult the NAIC Consumer Information Source. Farmers has also kept pace with tech by offering telematics-based app discounts for safe driving, and many carriers now pair usage-based programs with crash-assistance capabilities to help drivers after an accident (CrashAssist).
With this information, we created a Farmers car insurance review based on updated 2024–2025 benchmarks for premiums, customer satisfaction trends, discounts, coverage, accessibility, and online resources.
Farmer’s Full Coverage Average Premium In Each State
Data Source: Coverage.com
Farmers Car Insurance Overview
Auto insurance satisfaction stabilized in 2024 after two years of declines as price increases slowed and service communications improved, per the latest J.D. Power customer satisfaction study. For a current view of complaints relative to market share, the NAIC Consumer Information Source provides regulator-reported complaint indices by company and line. Brand tracking from YouGov can offer additional context on consumer sentiment.
Drivers that own newer-model vehicles have the option to add new car replacement value coverage that replaces the car if it is totaled in a covered accident; eligibility and terms vary by carrier (see New Car Replacement for an example). As for classic car owners, agreed/guaranteed-value insurance pays an agreed amount if the vehicle is stolen or totaled (see Guaranteed Value). If you finance or lease, pairing these with gap coverage can help address negative equity.
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Farmers Insurance Highlights
Farmers’ Car Insurance Bundling Discounts for Cheaper Insurance
Farmers Insurance is a full-service insurance company, meaning the provider offers a variety of insurance products including car, home, renters, and other vehicles (motorcycles, boats, RVs, and more). Bundling more than one type of insurance with Farmers can reduce your total premium, but given recent market volatility it’s smart to quote both bundled and unbundled options and compare the all-in price and coverages. J.D. Power reports that shopping and unbundling remained elevated as consumers reacted to higher auto rates (2024 Insurance Shopping Study). For additional savings and value, confirm which discounts stack (e.g., telematics) and ask about bundle-linked features such as a single-loss deductible on combined home/auto claims (example); the Insurance Information Institute also recommends comparing bundle vs. stand-alone quotes (III). Broader price context: the CPI for motor vehicle insurance rose markedly through 2024, highlighting the importance of re-shopping at renewal (BLS/FRED).
Farmers Car Insurance vs. The Competition
| Provider | Reviews.com Score | AM Best | 2024 J.D. Power Study* |
| Farmers | — | See current rating | Varies by region |
| Nationwide | — | See current rating | Varies by region |
| State Farm | — | See current rating | Varies by region |
| Allstate | — | See current rating | Varies by region |
Information current per 2024–2025 sources cited below
*J.D. Power’s 2024 Auto Insurance Study reports region-specific results on a 1,000-point scale.
Farmers vs. Nationwide
Farmers offers a wide range of optional protections, while Nationwide tends to land mid-pack on price in many recent comparisons and can be competitive when telematics or pay-per-mile applies. Broad national analyses indicate Farmers’ average full-coverage premium runs above the market average and often above Nationwide for similar driver profiles, though results vary by state and discounts (NerdWallet) (Bankrate). Nationwide also emphasizes usage-based and pay-per-mile options that may favor low-mileage drivers (SmartRide/SmartMiles).
Farmers vs. State Farm
Choosing between Farmers and State Farm will depend on your specific needs; both are among the largest national carriers. In recent national comparisons, State Farm frequently prices below the overall market average and below Farmers for many clean-driver profiles, while offering a large agent network and telematics via Drive Safe & Save (NerdWallet) (State Farm). Always compare quotes for your state and coverage needs.
Farmers vs. Allstate
As with State Farm, Farmers and Allstate have a large local presence of agents and offices. Recent comparisons often place Allstate’s average premiums above the national market average, similar to Farmers, though discounts and telematics can materially affect final price (Bankrate). If you have young drivers or want richer optional features, Allstate highlights teen and safe-driving programs and add-ons like New Car Replacement and Deductible Rewards (Allstate).
Farmers Auto Insurance FAQ
Methodology
We evaluated Farmers auto insurance based on discounts, coverage, online resources, financial strength, and customer satisfaction to determine Reviews.com scores and create our best car insurance reviews. To compare car insurance companies with other providers across the board, we calculate each Reviews.com score based on the following, incorporating current market benchmarks and sources such as NerdWallet, Bankrate, the J.D. Power U.S. Auto Insurance Study, and the CPI trend for motor-vehicle insurance from BLS.
- Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability.
- Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used the latest U.S. Auto Insurance Study to compare results across regions (2024).
- Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision and personal injury protection.
- Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more.
