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We rate Farmers Insurance 8.4 out of 10.0 for its wide range of coverage options, add-ons and generous discount offerings.
In our Farmers Insurance review, we at the Guides Auto Team take an in-depth look at the provider’s coverage options, pricing and reputation among customers and industry professionals to see how it compares to the best car insurance companies.
We gave Farmers Insurance an 8.4 out of 10.0 rating for its useful range of coverage options and add-on opportunities. The insurer also holds a reputation for reliable coverage and service within the industry.
The table below highlights Farmers Insurance ratings. The provider’s overall score was aggregated from the provider’s ratings in five key areas: reputation, availability, coverage, cost and customer experience:
The overall score of 8.4 out of 10.0 points is determined by the same systematic methodology used to deliver unbiased reviews for all major insurance providers in the industry.
Below are some specific characteristics that stood out about the company and contributed to the scores Farmers insurance earned in each category:
Farmers insurance has been providing quality insurance products for nearly a century, but is it the best choice for your auto insurance needs?
Overall, Farmers Insurance can be a good choice for many drivers. The company offers a range of coverage options and discount opportunities that drivers can take advantage of.
Despite some negative Farmers Insurance reviews, we recommend checking the provider out as its coverage is available throughout the U.S. You may find that Farmers offers the best combination of rates and coverage for you and your vehicle.
However, it’s worth reaching out to other car insurance companies for free quotes since Farmers tends to cost more than the national average.
Farmers Insurance, part of the Farmers Insurance Group, was established in 1928 in Los Angeles, where its headquarters remain today. With more than 48,000 independent insurance agents across the country and available in all 50 states, Farmers has become one of the largest insurance providers in the U.S.
In addition to auto insurance, Farmers Insurance offers a full line of insurance products such as homeowners, renters, life, business and general liability. The company also sells coverage for alternative vehicles such as RVs, ATVs and motorcycles.
Our team took an in-depth look at Farmers Insurance costs in the sections below, highlighting the company’s average rates, costs compared to the national average, and available discounts.
According to our rate estimates, most drivers pay an average of $2,140 per year or $178 per month for a full coverage Farmers Insurance policy. Minimum liability coverage from the company averages around $881 per year or $73 per month.
Here are some estimates for Farmers Auto Insurance rates based on driver profiles:
Farmers Insurance Average
Annual Rate Estimate
35-year-old with good driving record and good credit
25-year-old with good driving record and good credit
35-year-old with poor credit
35-year-old with a recent accident
Like all insurers, Farmers Insurance computes custom rates for each policyholder. The company uses information about you and your vehicle to determine risk and calculate the cost of your premiums. Here are some of the factors that contribute to your Farmers auto insurance costs:
Our team took an in-depth look at how some of these factors affect Farmers auto insurance costs. Here are some rate estimates based on driver profiles:
Farmers Insurance coverage costs more than the national average. Based on the estimates above, a full-coverage Farmers policy costs about 21% higher than the national average of $1,730. A minimum liability Farmers car insurance policy costs around 32% higher than the national average of $635 per year.
To further illustrate this point, here’s how Farmers Insurance compares to nine other leading regional and national providers.
*The estimates in the table above are based on a 35-year-old married driver with a clean driving history and good credit score.Farmers Insurance reviews mention great rates, and that’s in part due to the company’s numerous discount opportunities. Here are some of the car insurance discounts you may find with Farmers:
Discounts vary by state, so some of the discounts you see here may not be available where you live. Check with your local agent to see which discounts you qualify for.
Farmers Insurance offers another way to earn a discount: participating in its usage-based insurance program to have your driving behavior monitored and reported. The Signal® mobile app is available in both the Google Play store and the Apple App Store and has received positive feedback in Farmers Insurance reviews.
Signal uses your phone’s GPS to track how fast you accelerate, drive and brake, along with other driving habits. After you sign up for Signal and complete 10 trips while using the app, you’ll get a 5% discount on your auto insurance policy. When it’s time to renew your policy, you can get up to 15% off your premium based on the rating you get from the app.Farmers Insurance offers the basic types of coverage you need to meet your state’s minimum insurance requirements. While these requirements vary from state to state, they usually include some combination of the following types of insurance:
You can get a policy from Farmers Insurance that only covers what is required in your state. However, these policies can leave you exposed to serious financial risk. You can be held responsible for what your insurance does not cover if damages or medical expenses from an accident you cause exceed your coverage limits.
Here are some optional coverage choices and policy add-ons Farmers Insurance offers:
Farmers coverage options and add-ons may not be available to you depending on where you live. Contact your Farmers agent to find out what coverage options the company offers in your area.
Farmers Insurance holds a good reputation within the insurance industry. The company has an A rating and accreditation from the Better Business Bureau (BBB), as well as an A rating for financial strength from AM Best.
However, as with many insurance companies, Farmers Insurance reviews from customers are somewhat mixed. The company holds a rating of 1.3 stars out of 5.0 from customer reviews on the BBB.
In general, positive Farmers Insurance reviews praise the company’s quick and efficient claims process. Happy customers are also pleased with the affordable rates they find through the company. Negative Farmers Insurance reviews tend to focus on delays with the claims process and slow roadside assistance response times.
Our team reached out to Farmers Insurance for comment on its negative reviews but did not receive a response.
We also surveyed nearly 7,000 car insurance customers on their experiences with different companies. The respondents who had Farmers rated their overall satisfaction with the company as 4.0 out of 5.0. Customers also rated the claims service from Farmers as 4.0 and their satisfaction with affordability as 3.5.
Getting an online quote from Farmers Insurance is quick and easy. You can buy your policy online or call to speak with a representative at 1-800-665-5108 if you have any questions.
Here are the steps you need to follow to get a Farmers auto insurance quote:
Like all insurers, Farmers Insurance computes custom rates for each policyholder. The company uses information about you and your vehicle to determine risk and calculate the cost of your premiums.
Here are some of the factors that contribute to your Farmers auto insurance costs:
In this article, we reviewed Farmers Insurance and analyzed the provider’s rates, coverage options, customer experience and more.
While Farmers Insurance could be a good option for many drivers, we recommend getting insurance quotes from several providers and comparing cost and coverage options. Geico and Progressive can be two smart choices for auto insurance to help you get started.
Geico offers consistently low rates for many types of drivers, a huge selection of coverage options and add-ons, and excellent service in all 50 states. We believe Geico is worth looking into for most drivers.
Read our in-depth Geico insurance review for more information.
Progressive is one of the biggest names in the insurance business, offering coverage in all 50 states. While there is a lot to like about Progressive, our team found that the company stands out for offering especially low insurance rates to high-risk drivers like teens or people with recent at-fault accidents on their records. If you or someone in your household falls into one of these categories, you may find some of the best rates with Progressive.
You can learn more about the company in our Progressive insurance review.
Below are some frequently asked questions about Farmers Insurance:
Yes, Farmers Insurance is a reputable insurance company that scored high marks for customer service and industry reputation in our study. The insurer has an A rating from the BBB, as well as accreditation from the organization.
AM Best’s most recent rating for Farmers Insurance is an “Excellent” A rating for financial strength. That means the company is capable of reliably paying out insurance claims.
Based on Farmers Insurance reviews, customers report that the company takes about two to six weeks to pay claims after a settlement has been reached. However, reaching a settlement after an accident could take longer.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
*Data accurate at time of publication.
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