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Farmers has been around for nearly a century, and its insurance products are among the most recognizable in the United States. You can get a Farmers auto insurance policy in 43 of the 50 states, with liability coverage and add-on options for collision, comprehensive, rental car reimbursement, and other types of coverage.
Farmers falls in the middle of the pack for auto insurers, a pricier option compared to competitors, but with lots of features and plenty of ways to lower costs. For safe driving and for bundling auto policies and/or other types of insurance under Farmers, you can lower the cost of your coverage. The Accident Forgiveness feature is a nice perk, as one at-fault accident is “forgiven” for every three years you drive without one. Farmers is a solid choice for families who are looking for multiple auto policies and/or types of insurance, like homeowners, renters, and life insurance. To compare how other car insurance companies stack up, check out our article on the best car insurance companies.
Farmer’s Full Coverage Average Premium In Each State
Data Source: Coverage.com
|Nearly 20 auto coverage add-on options||Prices that aren’t discounted tend to be higher than average|
|Accident Forgiveness protects you for some at-fault accidents||Reviews tend to show average customer satisfaction at best|
|Safe driving discounts are available|
|Bundle insurance to lower premium costs|
The Auto Insurance Factors We Analyzed
Out of nearly a dozen car insurance companies analyzed, Farmers has one of the top three highest average annual premiums, at around $1,612 a year. Price depends on factors such as driving record, traffic citations, past accidents and sometimes even geographic location. Auto insurance costs differ for everyone based on their unique circumstances. To see how Farmers compares with other cheap car insurance companies, view our list of the Best Cheap Car Insurance Companies.
Farmers received an average rating of 3 out 5 stars (about average) in the J.D. Power 2019 U.S. Auto Claims Satisfaction Study. In the same J.D. Power 2019 U.S. Auto Insurance Study, Farmers received 3 out 5 for the California Region, North Central Region, Northwest Region, Southwest Region, and Texas Region. In the Central Region and Mid-Atlantic Region, Farmers received a ranking of just 2 out 5.
According to the National Complaint Index Report by the National Association of Insurance Commissioners, Farmers has an above-average number of company complaints, with the company’s score of 1.53 compared to the National Complaint Index of 1.0. Farmers Auto Insurance currently has an overall satisfaction rating of 2 out of 5 from Consumer Affairs, based on 45 ratings submitted from 2019 to 2020, with complaints about spotty customer service and claims issues.
The application process for Farmers car insurance is straightforward. You can apply online for a free quote. Upon completing the quote application, a Farmers rep will call you to go over it with you. You’ll also get an email to complete your form after you get a quote, so you can do the process online or over the phone, whatever you choose.
Farmers offers all major auto insurance coverages, including liability, which covers the cost of injury to others and damage to property when you’re at fault. Collision covers other vehicles, objects, and animals, while comprehensive covers damage to a vehicle by things other than a collision, like hail and vandalism. Uninsured/underinsured motorist coverage takes care of losses caused by drivers without insurance or with insufficient coverage. Medical payments cover medical costs resulting from injuries.
Farmers also offers personal injury protection, towing and roadside service, rental car reimbursement, rideshare insurance, and loss of use, which provides a flat sum for transportation used while your car is being repaired, It also provides Guaranteed Value for cars that are a total loss and customized equipment coverage, which covers the cost of replacing or repairing aftermarket equipment like custom wheels and infotainment systems. Their main perk, Accident Forgiveness, keeps your premium from rising after your first at-fault accident, a benefit the company extends for every three years you drive without an accident. To learn more about car insurance quotes, read Everything You Should Know About Car Insurance Quotes.
Deals, discounts, and add-ons
Farmers offers a potential discount through its Signal by Farmers program. Drivers can get a 5% discount for using the Signal app and up to a 15% discount every time a policy renews, based on safe driving. Farmers also hasdiscounts based on state, such as multi-line discounts for buying multiple Farmers policies and Youthful Driver discounts for policyholders with drivers ages 24 years and younger in a household.
Online features and tools
Farmers has extended more than 19 million individual policies to customers and serves over 10 million households across the U.S. From car insurance to life, home, business, renters, condo insurance and more, Farmers has a policy for just about anything that needs insurance. With its wide offering and customer list, Farmers takes pride in creating a user-friendly experience for customers through its online features and tools.
Farmers Insurance provides a comprehensive webpage that details all of its insurance policy types and coverage options. You can choose between auto, home, life, business, renters and condo insurance.
The webpage is organized into separate sections that detail the different types of insurance and what each insurance type offers. However, the extensive list of offerings can get quite overwhelming, especially for first-time insurers who may not be sure what they’re looking for.
Users can also easily navigate via the website to find out information on a specific insurance policy type they had in mind. Or, if a customer would rather get on the phone with an agent, the phone number to dial is listed on the website, although it isn’t always clear what type of insurance the agent covers.
You can also find a local agent and get a quote easily through the web app. On the bottom of the page, Farmers offers an educational resource section to explain the different insurance terms, policies and requirements.
Existing customers also get easy website navigation to file a claim, view a claim status, view other claims services, request roadside assistance, pay a bill, and more.
Farmers redesigned its mobile app to offer a more user friendly experience. Although the same features are similar to what you can find on Farmer’s site, policyholders who are on the go and prefer using a mobile device will appreciate the convenience and ease of use with the Farmers mobile app.
The mobile app gives users quick access to information about their insurance policy. You can pay your bills and manage payment options, file a claim, request roadside assistance, speak to your agent, view your policy and your policy details or complete other tasks. You can also access a digital insurance ID card through the app in case you misplace or can’t find your paper ID card when you need it.
However, it’s important to note that some of the mobile app features are only available for certain coverages such as Farmers auto, home, umbrella and life insurance policies. Mobile features are also not accessible in all states.
Farmers Overview: Financial Strength, Availability, and History
Farmers Insurance boasts strong name recognition, as the ninth most famous and ninth most popular insurance brand, according to YouGov. The company has a 39% positive opinion, a 9% negative opinion, and a 43% neutral opinion based on 7,645 interviews collected between 2019 and 2020 by YouGov. It’s more popular among Generation X and Baby Boomers compared to Millennials.
While Farmers Insurance Group boasts an A+ rating from the Better Business Bureau (BBB), there are also a high number of negative customer reviews for Farmers, like many other major insurance companies. BBB complaints include poor adjuster responses, difficulty canceling policies, and inconsistent billing.
- In business since: 1928
- States served: 50, including 43 for auto insurance
- Standout features: Comprehensive coverage options, wide availability, safe driving and bundle discounts
|A.M. Best Financial Strength Rating||J.D. Power 2019 Claims Satisfaction Study||24/7 Claims Support|
All information accurate as of 3/15/2020.
The Bottom Line
Farmers is a recognizable auto insurer with a strong history and diverse car insurance products. You’ll want to lower your costs by exploring bundling options and by being a safe driver and enrolling in the Signal by Farmers program. One benefit of Farmers auto insurance is Accident Forgiveness, but you’re limited to having one at-fault accident forgiven every three years you go without one.
You can sign up for Farmers in most places across the country and get a free quote online within minutes. It can pay to compare your coverage to other quotes, since you may be able to get a better deal if you’re not able to bundle policies with Farmers. If you’re a family looking for multiple types of insurance policies,consider Farmers because of the potential bundling discounts.
What other types of insurance does Farmers offer?
Farmers offers auto, home, life, business, recreational, motorcycle, umbrella, financial, pet, and renters insurance. It also offers various bundling discounts based on states where coverage is offered.
How much car insurance do I need?
Your state has minimum auto insurance requirements for property damage liability per accident, bodily injury liability per person, and bodily injury liability per accident. You’ll likely want more than the minimum requirements so you can get the best protection. Learn more about how to choose what auto insurance coverage levels you need or view the Car Insurance Buyers Guide.
Where is Farmers auto insurance coverage available?
Farmers is a national brand with car insurance currently available in 43 states.
What does Farmers car insurance typically cover?
Farmers offers liability coverage for bodily injury, property damage liability, medical coverage, uninsured motorist, and underinsured motorist. Policyholders can add comprehensive, collision, safety glass, towing and road service, and loss of use coverage.
What kind of bundling options does Farmers car insurance offer?
Farmers offers a home and auto insurance bundling option. Drivers can save an average of 20% by bundling their home and car insurance policies. In addition to bundling, insurers can apply any of Farmers’ extensive list of discounts for both home and auto insurance policies in addition to bundling. Although Farmers offers life, umbrella, condo, and renters insurance as well, there is no mention of a bundling option for the other insurance policies. For more information on bundling and how Farmers compares, check out our article on the best insurance for Bundling Car Insurance.