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In recent years, Farmers auto insurance has ranked near the top of the industry when it comes to claims satisfaction ratings. It’s a major insurer with all the standard car insurance coverage options most drivers will need, but its wide range of other insurance products and standout customer service give it an edge above some competitors.
In addition to basic car insurance coverage, Farmers offers some nonstandard car insurance coverage options, like original equipment manufacturer (OEM) coverage, which pays to replace your car’s parts with factory original parts, loss of use coverage, and rideshare coverage for drivers for services like Uber and Lyft.
Farmers auto insurance earned a score of 874 on the J.D. Power 2018 U.S. Auto Claims Satisfaction Study, putting it among the top tier of auto insurance companies and above competitors like Travelers, State Farm, Nationwide, Allstate and GEICO.
Farmers was less of a standout on the Consumer Reports reader survey, earning 72 out of a possible 100 on metrics like “premiums,” “service” and “help and advice.”
Farmers also offers a wide range of discounts to help drivers save on car insurance, but in online reviews, some customers complained of significant rate increases when their policies were up for renewal. Farmers also quoted us rates that were higher than some of its competitors, so if savings are your number one goal, it may not be the best choice.
Market Share: 4.27%
A.M. Best rating: A
Better Business Bureau rating: A+
J.D. Power Claims Satisfaction rating: 874
Farmers auto insurance is available in all 50 states and the District of Columbia.
Farmers offers essentially all of the standard coverage options most drivers will need, as well as some additional, non-essential coverage options for drivers who prefer to pay for extra protection.
Liability coverage - Also called third-party liability, this coverage protects you from the financial burden if you cause an accident, damage property or injure someone with your vehicle. It’s required in most states.
Personal injury protection - Covers the medical and rehabilitation expenses if you or your passengers are injured in a car accident. Also covers other related expenses, like lost wages.
Uninsured/underinsured motorist coverage - Covers you if you’re in an accident caused by a driver who either doesn’t have insurance, or whose insurance doesn’t fully cover the extent of the damage they caused.
Collision coverage - Covers damage to your car after an accident, even if you were at fault.
Comprehensive coverage - Covers damage to your car that happens when it isn’t being driven, like damage from extreme weather, falling objects, fire, flood, animals, vandalism or theft.
New car replacement coverage - If your new car is totaled within the first two years of owning it, this coverage will pay to replace it with a new one of the same make and model.
Customized equipment coverage - Covers damage to any aftermarket additions you’ve added, like custom wheels, sound systems or paint jobs.
Towing and roadside service coverage - Covers you in case of a breakdown, including flat tire changes, locksmith services, winching, towing and battery jumpstarts.
Accident forgiveness - A policy add-on that guarantees your rates won’t go up if you have one at-fault accident for every three years of safe driving.
Loss of use coverage - Provides you with a flat fee to cover the cost of alternate transportation — cabs, rental cars, public transit — if your car is in the shop for covered damage.
Car rental reimbursement - Specifically covers a rental car for a maximum of 30 days following a covered accident. Includes free pickup and delivery.
Original equipment manufacturer (OEM) coverage - Pays to have parts in your car replaced with factory originals if they’re available.
Rideshare coverage - Extends your regular car insurance coverage to cover you while you’re driving for services like Lyft and Uber, covering you when the app is on but you don’t have a passenger.
The cost of car insurance is determined by a number of individual factors, like your ZIP code, age, driving history, credit score, and the type of car you drive. All of that makes it very difficult to predict what any given person will pay for car insurance. That said, let’s look at a sample car insurance policy from Farmers to see what an average driver might pay for car insurance.
Our sample driver is a single, 30-year-old woman in Minneapolis, Minnesota who drives a 2014 Toyota Camry. Farmers quoted her a total of $515.67 a month, which is **$3,094.02 ** for a six-month policy, well above quotes for identical coverage from many competitors.
|Basic Coverages||Policy Limits|
|Bodily injury liability||$50,000 each person, $100,000 each accident|
|Property damage liability||$50,000 each accident|
|Personal injury protection||$20,000 each person|
|Uninsured/underinsured motorist||$50,000 each person, $100,000 each accident|
Monthly premium = $515.67
Farmers has a range of discounts available to drivers, although its website makes it difficult to see all the discounts laid out. Some of the available discounts for auto insurance include discounts that have to do with your vehicle itself, like discounts for driving a hybrid or electric car or having an anti-theft device. There are also discounts for bundling auto insurance with renters or home insurance, or for paying your premium through automatic payment.
Then there are discounts based on the driver, like good student discounts for drivers up to 24, discounts for owning a home and discounts for having a clean driving record. Farmers also has a usage-based discount program, Signal by Farmers, that tracks your driving through a smartphone app and awards discounts for safe driving.
The Farmers website and online quote tool aren’t as intuitive and easy-to-use as some of its competitors, but the quoting tool does deliver several options — basic, standard and full-coverage tiers. Our Farmers quote for our sample driver was at the high end, and an actual driver who speaks to a Farmers agent may find that they’ll be able to get a better deal than the online quote.
On the J.D. Power 2018 U.S. Auto Claims Satisfaction Study, Farmers scored 874, well above the industry average of 861. That score puts it among the top tier of car insurance companies and above many of its competitors. It was bested by a few other carriers, including Amica, Erie Insurance and USAA.
Online complaints about Farmers’ claims process mentioned long wait times for payouts, but, as with all car insurance companies, claims experiences will vary. Farmers customers can file claims online, over the phone or through the Farmers mobile app.
Home insurance - Coverage for your house if you’re a homeowner
Renters insurance - Coverage for your home and belongings if you’re a renter
Landlord insurance - Coverage for a property you own and rent out
Business insurance - Coverage for your small business
Motorcycle insurance - Coverage for your bike
Recreational insurance - Coverage for your boat, travel trailer, RV or ATV
Online quote tool
Farmers mobile app for paying bills, viewing ID cards, reporting claims and contacting your agent
Signal by Farmers tracks your driving through a smartphone app and awards discounts
Headquarters: 6301 Owensmouth Avenue, Woodland Hills, California 91367
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. The review on this page is only for the carrier’s car insurance products. Not all carriers are currently available through Policygenius. Speak to one of our licensed experts for more information on carrier availability.
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Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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