3.9 / 5

Farmers auto insurance review

Farmers gets top marks when it comes to customer satisfaction, making it a good choice for drivers who value customer service.

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Haley SprankleHaley SprankleReviews EditorHaley Sprankle is a former reviews editor at Policygenius who specializes in homeowners and auto insurance. Previously, she was a writer at Wirecutter and The New York Times.

Updated|4 min read

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  • check mark

    Lots of available discounts

  • check mark

    Available nationwide

  • check mark

    Good third-party reviews


  • X mark

    Doesn’t offer gap insurance

  • X mark

    Slightly higher-than-average premiums


Founded in 1928, Farmers offers great coverage and is available nationwide. Even though Farmers has slightly higher premiums compared to the industry average, it offers great coverage and plenty of discounts to make up for it. And on top of the available policy options and digital tools, customers seem pleased with their experience, too. If you’re looking for great coverage and are okay with paying a little extra, Farmers is a great choice.

Average annual premium cost for auto insurance coverage and number of discounts available.


Financial confidence
Financial ratings from credit rating agencies.


Third-party ratings
Satisfaction from consumer sentiment institutions and complaints to state insurance boards.


Policy options
Both the quality and number of coverage options, like unique auto insurance product features and availability of certain perks and benefits.


Customer experience
Ease of use, convenience, availability, points of contact, payment options, and claims ratings.


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The details

The good

Lots of available discounts. Farmers offers 23 different discounts ranging from a typical multi-policy discount to a distant student discount. These are great opportunities to lower your annual premium.

Available nationwide. You can get a Farmers policy in all 50 states and Washington D.C.

Good third-party reviews. Out of all the available third–party reviews, customers seem pleased with their Farmers experience. The company received no complaints through the National Association of Insurance Commissioners complaint index, and it nabbed a 4.0 score from Consumer Affairs which is no easy feat.

The bad

Doesn’t offer gap insurance. Although this coverage is pretty typical and may be required if you lease or finance a car, Farmers doesn’t offer it at all. The company notes that most car dealerships offer the coverage when you’re purchasing or leasing a car.

Slightly higher premiums. The average annual premium with Farmers is about 15% higher than the national average. While this is only a difference of $282, it still may be too much for most people.


Average annual premium cost for auto insurance coverage and number of discounts available.


According to our Policygenius analysis of data provided by Quadrant Information Services, drivers pay an annual premium of $1,934 with Farmers, but that can vary from person to person. This is a little over 15% percent higher than the average auto insurance premium nationwide. While it may seem a little more expensive, Farmers offers plenty of discount opportunities to lower your rate.


Farmers has 23 discounts listed online, but not all of them are available in every state, and some discounts may cancel each other out. Your options include:

  • Multi-policy discount. If you bundle your auto insurance policy with another Farmers policy (like homeowners insurance), you could save money on both.

  • Signal discount. This usage-based program monitors your driving through an app you install on your phone. Participating drivers can earn discounts for demonstrating safe driving.

  • Multi-car discount. Saves money if you insure more than one vehicle on the same policy.

  • Affinity discount. If you’re associated with specific groups that partner with Farmers, or a member of the military, you could save on your premium.

  • ePolicy discount. This saves you money if you opt for paperless communications and billing.

  • Good payer discount. When you pay on time for 12 months, you could see a reduction in your annual premium. Not available in California.

  • Safe driver discount. If you have zero BI (bodily injury) points on your driving record, meaning you haven’t injured anyone in an at-fault accident, you could earn a discount.

  • Good student discount. You could save money if you are doing well in school. This could be through earning a 3.0 GPA, a spot on the Dean’s List, a spot on the honor roll, placing in the top 20% of your class, or scoring in the top 20% of a standardized test.

  • Shared family car discount. If your household shares one car, you could be eligible for a discount. Not available in California.

  • Distant student discount. If your child goes to school more than 100 miles away and doesn’t have access to your family cars, this could lower your rates.

  • On your own discount. If you were on a Famers policy with your family, but you’ve since moved out and are paying for your own insurance, you could save on your insurance premium up until the age of 29.

  • Mature driver/defensive driver/senior driver discount. This discount applies to those who are over 55 years old and have completed a state-approved safe driving course in the last three years.

  • Homeowner discount. Simply owning a home could earn you a discount.

  • Alternative fuel (CA only) discount. If you live in California and your car is fueled by something other than just gasoline, you could qualify for a lower premium.

  • EFT discount. Your premium could be lower if you set up autopay.

  • Pay-in-full discount. Your premium could be lowered if you pay your annual premium all at once at the beginning of your policy, as opposed to in monthly installments.

  • Anti-theft discount. The alarms and other protective devices on your car could make you eligible for a discount.

  • Homing device discount. If you have a tracking device on your car that can help locate it in the case of theft, you may be able to get a discount.

  • VIN etching discount. If your VIN number is etched on the glass of your car, this could lower your premium (and prove helpful if your car is ever stolen).

Financial confidence

Financial ratings from credit rating agencies.


When picking an auto insurance carrier, it’s important to understand the company’s financial standing. This helps understand how likely the carrier is to pay out your claim successfully. Farmers has relatively good scores among the top credit-rating agencies, but Farmers’ “outlook” (or the projected success) from Moody’s is still considered “negative.”

  • A.M. Best: A

  • Moody’s: A2

  • S&P: A

A.M. Best is one of the top credit rating agencies for insurance carriers. Farmers has a score of A (effective February 7, 2022), which is the third-highest score a carrier can get.

Moody’s rates a company’s ability to pay back debts and assesses its financial standings as a whole, which is especially important when considering claims payouts. Right now, Farmers has a score of A2. This is still technically a good score, but Moody’s also rated the company’s outlook as “negative.” This rating probably has to do with company or industry-wide changes, and probably won't affect the day-to-day for Farmers customers. We plan to watch this space to see how it progresses, and we’ll update this information once we know more.

Standard & Poor’s (S&P) also rates companies based on its ability to payout claims and its overall financial performance. Farmers has a score of A, which is on the higher side of average.

Third-party ratings

Satisfaction from consumer sentiment institutions and complaints to state insurance boards.


Customers seem to have positive experiences with Farmers auto insurance based on trusted third-party review sites. Here’s how the scores break down:

  • Consumer Affairs: 4/5

  • Consumers Advocate: N/A

  • NAIC: 0

Consumer Affairs is a site that allows consumers to rate companies directly. Farmers has a score of 4 out of 5, which is actually pretty high compared to other carriers.

Consumers Advocate is a third-party site that ranks companies based on their specific offerings. Consumers Advocate has not rated Farmers yet.

National Association of Insurance Commissioners (NAIC) rates companies based on the number of complaints they receive. Farmers has a score of zero, which means the NAIC hasn’t received any substantial complaints about the company. This is really good to see, considering how large the Farmers customer base is.

Policy options

Both the quality and number of coverage options, like unique auto insurance product features and availability of certain perks and benefits.


Coverage options

Farmers has great coverage options, and then some. With the notable exception of gap insurance, Farmers offers:

  • Liability coverage. Covers the costs if you damage someone else's car or injure another driver in an accident.

  • Personal injury protection. Helps cover the cost if you or your passengers are harmed in an accident (this is required in no-fault states).

  • Uninsured and underinsured motorist coverage. Covers you and your vehicle if someone with inadequate insurance, or without insurance, hits your car.

  • Comprehensive coverage. Covers the costs of any non-collision damage done to your car including vandalism or theft.

  • Collision coverage. Covers the cost of the damage to your car in the case of an at-fault accident.

Other add-on opportunities for your policy include:

  • Medical payments coverage. Helps with medical costs for you and your passengers if you get into a covered accident.

  • Loss of use coverage. If you can’t use your car after an accident, this coverage helps pay for other forms of transit, like public transportation or Ubers.

  • Rental car reimbursement. This can cover the charges for a rental car for up to 30 days while your automobile is being repaired after a covered incident.

  • New car replacement coverage. If your car is totaled within the first two years, this replaces your car with another that’s the same make and model.

  • Guaranteed value coverage. If your car is totaled, this makes sure you’re paid a predetermined amount for it.

  • Personal umbrella coverage. With this coverage, your liability coverage increases and can better protect you from lawsuits.

  • Glass deductible buyback. This covers the cost to repair or replace the glass on your car, with only a $100 deductible.

  • Full windshield and glass coverage. This eliminates the deductible to repair or replace the glass on your vehicle.

  • Spare parts coverage. Covers the cost of your replacement parts for up to $750.

  • Original manufacturer equipment coverage. If you’re getting a repair, this coverage ensures your car is fixed with parts from the original manufacturer.

  • Accident forgiveness coverage. With this coverage add-on, you’ll be forgiven for one at-fault accident for every three years you go without an accident.

  • Rideshare coverage. If you work with a rideshare company like Uber or Lyft, this helps protect you and your vehicle while you’re on the clock.

  • Towing and roadside service. You’ll have 24/7 roadside assistance to help in the event of flat tire, towing, locksmith, and jumpstart needs.

Roadside assistance

Farmers’ roadside assistance coverage works in two different ways — you can call roadside assistance through Farmers, or you can choose your own provider and submit the charges for reimbursement after the fact. Farmers roadside assistance coverage pays for:

  • Towing

  • Tire changes

  • Jumpstarts

  • Lockout services

Other insurance products

Farmers has a lot of different types of insurance policies available, whether you need to cover your boat or vintage Corvette or your home. Those include:

  • Homeowners insurance

  • Condo insurance

  • Motorcycle insurance

  • Boat insurance

  • Classic car insurance

  • RV insurance

  • ATV insurance

  • Flood insurance


When you insure your car with Farmers, you have the opportunity to get accident forgiveness coverage. While you have to pay to get this perk, having it available is still a great opportunity for drivers.

Farmers also offers a feature called CrashAssist on the Signal application that can identify when you’ve been in a crash. The app sends you a notification after the perceived crash. After you verify the accident, you can request emergency services and get roadside assistance. If you’re unable to respond to the notification, CrashAssist will automatically alert emergency services.

Customer experience

Ease of use, convenience, availability, points of contact, payment options, and claims ratings.


Customers can use the Farmers website and mobile application to file claims, make payments, and connect with their insurance agent. Both are available nationwide.

State availability

Farmers auto insurance is available in all 50 states and Washington D.C.

Digital tools

  • Online quote and application

  • Online and mobile billpay

  • Online and mobile claims filing

  • Usage-based app (Signal)

  • FAQ and blog resources

Agent points of contact

  • Phone

  • Online

  • App

Ease of claims

You can file claims over the phone, online, or on the mobile app. 

Payment methods

  • Online

  • Phone

  • Mail

  • Auto-pay

  • Debit, credit, EFT payments

Policygenius offers insurance policies from many of the nation's top insurers, who pay us a commission for our services. However, all editorial choices are made independently.