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Last updated on November 16, 2015

Farmers Insurance Review

Farmers Insurance is one of the major national insurance providers and offers excellent coverage for all types of motorcycles. However, Farmers motorcycle insurance is behind the rest of the industry in terms of discounts.

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The Good

Excellent motorcycle coverage

Farmers motorcycle insurance provides collision and comprehensive coverage as part of their standard motorcycle insurance coverage. While collision coverage takes care of any damages that happen as the direct result of an accident, comprehensive coverage is very useful to have in case your bike is damaged by fire, vandalism, or some other non-collision-related event. If you like to customize your motorcycle, accessory coverage is also a must. Farmers motorcycle insurance also allows you to lock in on an agreed-upon value for the bike, something which is very useful if the motorcycle is damaged. Options like these help ensure that your bike is well-protected in the event of an incident.

File a claim easily

Farmers motorcycle insurance policyholders have access to a 24/7 claims center, so if an accident happens and you do need to file a claim, you can be confident that it will be handled quickly. Farmers gives you a number of options to file a claim, including online, over the phone, and through a local agent. If you have the Farmers iClaim app, you can also initiate the claims process that way.

Custom and classic motorcycle coverage

In addition to insuring regular motorcycles and trikes, Farmers motorcycle insurance also covers custom and classic bikes. This is relatively unusual because these types of motorcycles are generally much more expensive than your average bike, and few motorcycle insurance companies want to pay for them. Farmers motorcycle insurance allows you to add on extra coverage, and even has Replacement Cost Total Loss Settlement coverage, which ensures that if your motorcycle is totaled, you get paid for its full value.

The Bad

Can't get a quote online

If you want to get a quote for Farmers motorcycle insurance, you have to contact a local agent because there is no way to get a quote online. Farmers does have a tool to help connect you with a local agent, but if you’re just shopping around, an online quote tool would be much more convenient. However, this likely isn’t a deciding factor when looking for the best motorcycle insurance.

Missing discounts

Insuring multiple motorcycles or having multiple Farmers insurance policies can save you some money, but that’s about the extent of Farmers’ discounts. There is no way to save by remaining claim-free or transferring your motorcycle insurance to Farmers. This lack of discounts could make Farmers motorcycle insurance more expensive for some, particularly those who are just looking to insure their motorcycle. However, Farmers motorcycle insurance still provides excellent coverage, so it is worth talking to an agent to get a quote.

The Details

Provider Details

  • A.M. Best FSR Rating: A
  • A.M. Best ICR Rating: a
  • Moody's Rating: A2
  • Standard & Poor's Rating: A+

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