Farmers Insurance Review 2019

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About Farmers Insurance

The Farmers Insurance Group sells auto, motorcycle, homeowners, renters, commercial and workers comp insurance and more. It sells policies in all 50 states through both its own agents and independent agents.

Farmers Insurance Exchange, the largest subsidiary, is based in Woodland Hills, California.

With the Farmers mobile app you can see your insurance ID cards, pay bills, report a claim and more.

In this review:

Auto insurance satisfaction ratings
Price comparison
Auto insurance policy features
Website & app ratings
Auto insurance complaints
Car insurance discounts
Home insurance satisfaction ratings
Company subsidiaries
Farmers contact information

Farmers auto insurance customer satisfaction ratings 

We asked current Farmers car insurance customers to rate the company on several measures. Here are their ratings.

Overall satisfaction: 4 stars

4 stars

Price satisfaction: 3.5 stars

3.5 stars

Customer service satisfaction: 4 stars

4 stars

Would you choose Farmers again?

As another measure of satisfaction, we asked current Farmers auto insurance customers if they would choose the company again.

In our survey, the highest percentage of people who would choose the same company again are customers of USAA, Mercury Insurance and Amica.


Farmers car insurance price comparison

We analyzed premiums reported by EverQuote users with good driving records to see how prices compare between Farmers and other insurers. Here's how it compares with the four cheapest insurers in our analysis.

Insurance company Average annual premium
Shelter Insurance Co. $1,453
Erie Insurance $1,488
The Hartford $1,549
American Family $1,551
Farmers Insurance $1,732

Does Farmers Insurance have what you want?

Do you want special features in a car insurance policy? Here's a look at what Farmers offers as add-ons or as separate policies:

Also available from Farmers Insurance

Accident forgiveness: If you've been with Farmers at least three years, you won't get a rate increase for an accident. Drivers listed on the policy also need to meet eligibility requirements, such as no at-fault accidents or major moving violations in the last three years.

Incident forgiveness: You won't get a rate increase at renewal time if you've had a minor traffic violation.

New car replacement: If your car is totaled within the first two years of being new and had less than 24,000 miles, Farmers will replace it with a new one of the same model.

Guaranteed renewal: After the first renewal your policy will always be renewed as long as certain conditions are met, such as all drivers in the household having a valid driver's license.

Website & app

We asked Farmers auto insurance customers if they had used the company's website or app and, if they had, asked if they were satisfied with the experience.

Website and app satisfaction

Complaints about Farmers Insurance

Complaints about Farmers car insurance are lower than the industry median.

Each state's insurance department handles complaints against insurers that operate in the state. The National Association of Insurance Commissioners collects complaint data and produces a complaint ratio. The number is meant to show the number of complaints relative to a company's size of business. 


Farmers Insurance complaints

Farmers car insurance discounts

Here are some of the Farmers auto insurance discounts offered, based on our review of state insurance filings made by Farmers Insurance Exchange. Discounts details may change among states, and aren't all available in every state or from each Farmers subsidiary.


Safe driver

Mature driver
For drivers age 55 and older who have completed an approved accident-prevention course.

Youthful driver
When you add a driver under age 25.

Good student
For drivers under at 25 who meet certain academic criteria such as a B average or higher or being ranked in the top 20% of their class.

Distant student
For children under a certain age who are away at school more than 100 miles from home and who don't have a car at school.

Homeowner 

Defensive driver training
For people who complete a course and don't later have an at-fault accident. There's no discount if you had to take the course as punishment for a moving violation.)

Affinity discounts
If you're employed or retired from certain occupations.

Signal
If you enroll in Farmers usage-based insurance program called Signal.

On-your-own
For customers under age 25 who are splitting into their own household from an existing household with a Farmers policy.

Good payer
If you had no late fees in the last 12 months.

Shared family car
When there's a single driver up to age 20 in the household and there are more active drivers than vehicles in the household.


Alternative fuel
If your factory-installed vehicle fuel type is gasoline or electric hybrid, electric, ethanol fuel only, methanol gas only, compressed natural gas or propane.

Safety feature
For cars with passive restraints including air bags, anti-lock brakes and/or electronic stability control.


Multi-car 

Multi-line
For customers buying auto insurance and another policy, such as a homeowners, renters, umbrella or business policy.

Life insurance
For people buying policies of $50,000 or higher from Farmers Life or a Farmers Graded Death Benefit Whole Life policy in any amount.

Early shopping
For people who get a quote at least seven days before the policy effective date.

Farmers Specialty discount
For people buying auto insurance plus a policy for a motorcycle, boat, watercraft, motorhome or RV.

Transfer
If you're switching to Farmers and have been continuously insured with another company for at least six months. Applies only to certain other companies.

ETF payment
If you're paying your monthly bill with electronic funds transfer.

Paid in full
If you pay 100% of your bill upfront.

ePolicy
For those who get documents electronically.

Farmers homeowners insurance satisfaction ratings

We asked current Farmers homeowners insurance customers to rate the company on several measures. Here are their scores.

Overall satisfaction: 4 stars

4 stars

Price satisfaction: 3.5 stars

3.5 stars

Customer service satisfaction: 4 stars

4 stars

Would you choose Farmers home insurance again?

We also asked current Farmers home insurance customers if they would choose the company again.

In our survey, the highest percent of people who would choose the same company again are customers of Chubb (87%).

Would you choose Farmers home insurance again

Companies within Farmers Insurance Group

Many insurance companies have several subsidiaries. These subsidiaries may not operate in all states and could focus on different types of customers or business. Farmers' subsidiaries include:

  • Farmers Insurance Exchange
  • Foremost Ins Co. Grand Rapids
  • Mid-Century Insurance Co.
  • 21st Century Insurance Co.
  • Fire Insurance Exchange
  • Truck Insurance Exchange
  • 21st Century Centennial Insurance Co
  • 21st Century North American Insurance Co.
  • Farmers Insurance Co. of Oregon
  • Coast National Insurance Co.
  • 21st Century Premier Insurance Co.
  • Farmers Insurance Co. of WA
  • Neighborhood Spirit P&C Co.
  • Exact P&C Co.
  • Civic P&C Co.
  • Farmers Insurance Co.
  • Farmers Insurance of Columbus Inc.
  • Farmers Insurance Hawaii Inc.
  • Texas Farmers Insurance Co.
  • Illinois Farmers Insurance Co.
  • Farmers New Century Insurance Co.
  • 21st Century Assurance Co.
  • Farmers Insurance Co. of Idaho
  • 21st Century Indemnity Insurance Co.
  • Farmers Texas County Mutual Insurance Co
  • Bristol West Insurance Co.

Source: S&P Global Market Intelligence

Farmers Insurance contact information

Headquarters:
6301 Owensmouth Avenue
Woodland Hills, CA 91367
website
Customer service: (888) 327-6335
Claims: (800) 435-7764

Methodology

For star ratings and whether customers would choose the company again, EverQuote commissioned a survey of 150 current customers of Farmers in January 2019. The survey was not open to the public on EverQuote.com. 

For premium comparisons, we analyzed premiums reported by EverQuote users from Jan. 1, 2017, to Dec. 31, 2018. Users had liability limits of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist limits of 100/300 ($100,000 per person, $300,000 per accident). Rates are for a single driver with one vehicle and no accidents or violations. Your own rates will be different.

Updated March 15, 2019

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