Farmers Insurance Review

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Farmers Insurance customer satisfaction ratings for auto insurance

Overall ratingPrice satisfaction Customer service satisfaction
4 stars 4 stars 4.5 stars

Would you choose Farmers again for auto insurance?

Yes Maybe No
67% 27% 5%
Numbers might not total 100% due to rounding

See more ratings: Best car insurance companies

Farmers car insurance price comparison

Here's a look at how car insurance premiums compare among Farmers and other large auto insurers.

Company Monthly premium paid
American Family $115
Travelers $123
State Farm $126
Farmers $131
Nationwide $135
USAA $135
Allstate $136
GEICO $136
Liberty Mutual $144
Progressive $149
Source: Premiums reported by EverQuote users, based on policies with bodily injury liability coverage of 100/300. Rates are based on single vehicles with one driver who has a good driving record with no violations. Premiums for sedans, coupes and hatchbacks were averaged. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Farmers Insurance choices

Farmers has all the car insurance options you'd expect, from liability to collision and comprehensive to uninsured motorist coverage. Here's a look at other Farmers auto insurance options.

SR-22 filings

Proof of financial responsibility.

Yes
Gap insurance
Also called auto loan/lease coverage. This can pay the difference between the value of a totaled or stolen car and what's still owed on a car loan or lease.
Yes, called "residual debt coverage" by Farmers
Usage-based insurance
Insurance with rates based on driving habits, such as hard braking.
Yes, called "Signal"
Non-owner insurance

Liability insurance for people who don't own vehicles.

Yes
Rideshare insurance

Extra coverage for Uber and Lyft drivers and others.

Yes
Source: EverQuote research. Product options might not be available in all states.

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.

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.

Consumer complaints against Farmers Insurance

Every 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. The industry median ratio is 1.00 and lower numbers are better.

Farmers Insurance complaints

Farmers Insurance customer satisfaction ratings for home insurance

We also asked Farmers Insurance home insurance customers about their satisfaction and whether they would choose Farmers Insurance again for their home insurance. Here’s how they rated the company.

Overall ratingPrice satisfaction Customer service satisfaction
4.5 stars 4 stars 4.5 stars

Would you choose Farmers again for homeowners insurance?

Yes Maybe No
67% 29% 4%
Numbers might not total 100% due to rounding

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 ratings

For star ratings and whether customers would choose the company again, EverQuote commissioned a survey of 150 current customers of Farmers Insurance in March 2018. The survey was not open to the public on EverQuote.com.

Updated Nov. 5, 2018

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