Farmers Auto Insurance Review

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

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Overview

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.

Pros

  • High claims satisfaction ratings
  • Speciality and premium car insurance coverage options
  • Available in all 50 states

Cons

  • Can be more expensive than some similar competitors
  • Website is a little clunky and difficult to navigate
  • Some customers complain of rate increases

Farmers by the numbers

Founded: 1928

Market Share: 4.27%

A.M. Best rating: A

Better Business Bureau rating: A+

J.D. Power Claims Satisfaction rating: 874

Which states is Farmers car insurance available in?

geico-state-availability

Farmers auto insurance is available in all 50 states and the District of Columbia.

StateAvailabilityStateAvailability
AlabamaMontana
AlaskaNebraska
ArizonaNevada
ArkansasNew Hampshire
CaliforniaNew Jersey
ColoradoNew Mexico
ConnecticutNew York
DelawareNorth Carolina
FloridaNorth Dakota
GeorgiaOhio
HawaiiOklahoma
IdahoOregon
IllinoisPennsylvania
IndianaRhode Island
IowaSouth Carolina
KansasSouth Dakota
KentuckyTennessee
LouisianaTexas
MaineUtah
MassachusettsVermont
MarylandVirginia
MichiganWashington
MinnesotaWashington D.C.
MississippiWest Virginia
MissouriWisconsin
Wyoming

Policy Details

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.

Standard coverage options

  • 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.

Additional coverage and features

  • 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.

How much does Farmers cost?

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 CoveragesPolicy 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
Comprehensive$500 deductible
Collision$500 deductible

Monthly premium = $515.67

Discounts

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.

Company details

Application process

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.

Claims process

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.

Other types of insurance offered

  • 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

Digital tools

  • 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

Contact info

Website: www.farmers.com

Phone: 1-888-327-6335

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.