Farmers Auto Insurance Review (2023)

Is Farmers Insurance Group a Good Choice?

Yes, Farmers is a reputable insurance company you can trust to pay out claims and offer excellent customer service. Since 1928 when Farmers Insurance realized that actual farmers were safer drivers and entitled to better quotes, it’s been fulfilling its obligation as a top auto insurance provider to policyholders across the U.S.

The majority of the U.S. has access to Farmers insurance products. However, Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, and Washington, D.C. drivers cannot get Farmers auto or home insurance.

Additionally, it doesn’t offer life insurance in New York or homeowners insurance in South Carolina.

Farmers Customer Service

Farmers Insurance reviews from customers are very strong — over half of all Farmers customers surveyed said they were happy with the provider’s level of service. Farmers is a respectable insurance provider with many policy customization choices and favorable client feedback.

However, its exceptional customer service comes at an additional cost, literally. Homeowners and auto insurance costs were around 14% higher than usual. It’s ironic, considering most of their previous customers who decided to go price-comparison shopping and left did so because their premiums went up over 10%.

Farmers Claims Handling

According to the J.D. Power 2022 U.S. Auto Claims Insurance Study, Farmers ranked above the national average and tied for 6th place with State Farm. In addition, most customers said that processing an insurance claim with Farmers was easy.

If you need to file a claim, you can call the Farmers claims phone number at (888) 435-7764.

Pros and Cons of Farmers Auto Insurance

Farmers insurance tends to satisfy many customers while getting its fair share of complaints. In reality, each insurance company has benefits and drawbacks that you should consider when choosing a plan.

A few advantages of purchasing a Farmers auto insurance policy are listed below:

• High customer satisfaction
• Fast claims processing
• Third-highest customer satisfaction rating in the 2022 J.D. Power Insurance Shopping Study
• Very high scores for the Farmers Insurance app — 4.8 on Apple and 4.6 for Android devices

Customers who have Farmers auto insurance say they are happy with the coverage, which is reflected in the company’s financial performance and client satisfaction levels. However, Farmers auto insurance also has several disadvantages that prospective customers should consider before buying a policy.

Some of the cons of getting an auto insurance policy with Farmers include:

• Customers are less likely to renew their policy than other insurance providers
• Not available in all states
• Pricier for younger and older demographics
• More expensive than the national average
• Farmers does not offer guaranteed asset protection or gap coverage

Farmers is just one insurance company. Make sure you’re also considering and comparing the top 10 auto insurance companies in the U.S.

Farmers Insurance Group Rates

Farmers insurance rates are more expensive than most companies for liability and full coverage car insurance.

Its average rate for liability-only auto insurance is $102.92, compared to the national average of $83.29. The average auto insurance rate for a full-coverage policy with Farmers is $258.08.

However, numerous elements will impact your insurance costs, some of them are as follows:

• Age
• Driving history, including citations
• Credit score (where allowed)
• Claims history
• Gender (where allowed)
• ZIP code
• Annual mileage
• Marital status
• Vehicle make and model

It’s crucial to remember that online quotes are only estimates, and your actual rates may differ. You’ll get the cheapest Farmers insurance quotes when you compare it to at least three other insurance companies near you.

Scroll through the following sections to compare Farmers car insurance rates by age, state, and driving record to see if the company fits your budget.

Farmers Auto Insurance Rates for Teen Drivers

Insurance companies view teen drivers as high risk due to their inexperience and propensity for distracted driving. As a result, car insurance for a 16-year-old is the most expensive, with male teenagers paying the highest rates.

See how much teen drivers typically pay in the table below:

Teens and new drivers don’t get much of a price break from Farmers, paying over $700/month for full coverage auto insurance. It’s among the most expensive companies for teens, with only Liberty Mutual and Travelers charging higher rates.

Farmers Auto Insurance Rates for Young Adult Drivers

Drivers in their 20s still see pricier rates than other age groups, but they begin to decrease as they near the age of 25 if they keep a clean driving record and don’t file any accident claims.

Young adult drivers on their parents’ policies pay about $180 a month for Farmers full coverage, approximately 20% more than the national average and nearly 200% of Geico’s auto insurance for motorists of the same age.

Farmers Auto Insurance Rates for Adult Drivers

Rates for adult drivers are typically lower than those for teens and young adults because they have more driving experience and get in fewer accidents. Drivers in their 30s pay around $165/month for full coverage auto insurance with Farmers and $62/month for liability-only.

From the ages of 30 until your mid-50s, car insurance quotes tend to blend and not differ by any substantial amount. That makes customer service and claims satisfaction pivotal in choosing the right insurance company if you ever need to file a claim.

Farmers Auto Insurance Rates for Senior Drivers

Due to age-related problems like slower reflexes, vision loss, or other health issues, insurance companies view drivers in their 60s as higher risk, which raises the cost of their auto insurance.

Senior drivers insured with Farmers auto can anticipate paying about $135 monthly for full coverage car insurance. Monthly insurance rates from Geico and State Farm are practically half the price at $74 and $76 per month, respectively.

You can save on senior auto insurance with a senior defensive driving discount. To qualify, the primary driver must be at least 65 years old, or 55 in some states, and complete a driver education course approved by the DMV. You must present the course completion certificate to be eligible.

Farmers Auto Insurance Rates After a Speeding Ticket

Your auto insurance rates will increase if you receive a moving violation because it demonstrates to insurance companies that you drive recklessly. Likewise, you’ll notice higher rates after renewing with a speeding ticket because your insurer verifies your driving history at each policy renewal.

Drivers with Farmers may pay around $35 more per month if they’ve gotten a citation, which is 25% more than a similar driver with a clean record and around 25% more than the national average.

Geico and State Farm offer auto quotes well below the national average for drivers with a ticket.

Farmers Auto Insurance Rates After an Accident

Farmers drivers can expect to pay about 20% more than the national average after an accident.

Geico, State Farm, and Travelers insurance tend to come in lower than the national average and remain appropriate alternatives to motorists to whom this concerns.

It’s important to remember Farmers also offers accident forgiveness if you have elected to receive this perk, but ultimately price comparison shopping could still yield more consumer savings.

Farmers Auto Insurance Rates After a DUI

Because insurance providers take DUI offenses seriously, you can anticipate higher auto insurance rates.

A 45-year-old with a DUI can expect to pay around $193/month, nearly $55 more than they would with a clean driving record.

Farmers Insurance with a DUI is cheaper than Nationwide, Liberty Mutual, or Allstate. However, as an alternative, State Farm and Progressive offer more affordable auto insurance for high-risk drivers.

Farmers Auto Insurance Rates for Poor Credit

The cost of auto insurance can be affected by your credit score. Drivers with bad credit are subject to higher rates because insurance companies consider them more likely to make a claim or forget to pay their premiums.

Check out the table below to see how much drivers with poor credit pay for a full coverage car insurance policy:

Conversely, Farmers offers discounts to drivers who make 12 monthly payments on time as an incentive.

Farmers Insurance Group Discounts Available

Though you’re paying some of the highest monthly rates with Farmers, the company offers various discounts to give policyholders more opportunities to save on auto insurance coverage.

Depending on your location, Farmers drivers could enjoy the following car insurance discounts:

• Safe driver. Farmers will reward drivers for avoiding citations and tickets.
• Multipolicy. Bundle your home or renters with your auto insurance policy to earn a discount.
• Multivehicle. Add multiple vehicles to your auto policy and save.
• Alternative fuel and EV. Electric vehicles receive additional discounts
• Paid in full. Pay ahead of time and receive a small discount.
• Automatic electronic payments and paperless statements. Paying bills online and managing annual statements through email or a mobile app will save you money.
• Safe senior. Drivers over 55 can complete an AARP online course and receive a discount.
• Good student. Young drivers under 25 with good grades enrolled full-time in high school or college may be eligible for a discount.
• Usage-based insurance. “Signal,” Farmers own telematics tracking program, monitors your driving through an app to track mileage and safe driving habits, rewarding good drivers with a 5%-15% discount when the policy is up for renewal.
• Married driver. Married individuals may receive up to 3% in additional discounts
• Occupation-based. Front line and first responders, military, medical, police, firefighters, teachers, and educators can receive this discount

Discount eligibility is based on some variables, including your policy, car, and personal traits.

To find out what discounts you qualify for, speak with a Farmers Insurance salesperson. Some discounts might not be offered in all states, so make sure to ask in advance before you e-sign on the dotted line.

Does Farmers offer any perks to its policyholders?

Farmers offers perks for their policyholders, but you should read the fine print on their website and your auto insurance policy. Explicit exclusions apply to drivers in certain states with certain types of policies, and some perks are only available at an additional cost.

So, in other words, “perks” are just additional coverages you opt into and pay for.

What more can I do to save on my Farmers auto insurance rates?

Even though Farmers currently offers rates that are higher than the industry average, there are several ways policyholders can obtain further discounts to positively affect their bottom line:

• Increase the deductible. Your deductible is the sum you must pay out of pocket before insurance coverage begins. If you can afford it, increasing deductibles to $500 or $1,000 will lower your monthly rates.
• Drive a cheaper car. If you want to save money on your Farmers auto insurance, consider buying a low-value or easily repairable vehicle. Insurers typically charge less for these types of cars.
• Practice safe driving habits. Farmers will reward you with lower rates if you don’t get into accidents, speed, or file any insurance claims.
• Eliminate unnecessary coverages. You may decide to carry liability insurance only if your older vehicle has lost value and you no longer need collision and comprehensive coverage. Generally, if your annual rates are higher than the potential payout, it’s best to forgo full coverage.
• Shop around. You don’t owe anything to Farmers Insurance just because your dad and grandfather had Farmers. Shopping around always increases your possibility of savings.

It’s a good idea to list all the discounts major auto insurance providers offer, then use that information to bargain when you speak to an agent over the phone.

Don’t decide then and there, but let the agent know you’re shopping around. This will also motivate them to move in as fast as possible and offer you a great deal, as you could be a customer for life.

Farmers Insurance Group Coverage Options

As one of the top 10 largest national insurers in the U.S., Farmers offers all the standard auto insurance coverages as the competition, including the legally required minimums and more.

Here is a list of car insurance offered by Farmers:

• Bodily injury liability. When you cause an accident, your bodily injury liability coverage compensates for the other parties’ medical costs.
• Property damage liability. Covers any vehicle or property damage you cause to someone else during an accident. This plan does not cover your car or other belongings.
• Collision insurance. Regardless of who is at blame, collision insurance covers your car’s damages if it collides with a stationary item or another moving object.
• Comprehensive insurance. Your vehicle’s damages from non-collision events like weather, falling items, vandalism, animal damage, or theft are covered by comprehensive auto insurance.
• Protection against uninsured or underinsured drivers (UI/UIM). If a hit-and-run accident or collision with an uninsured driver occurs, uninsured/underinsured motorist coverage will cover the costs of your vehicle’s damages and medical expenses.
• Medical benefits (MedPay). Pays for your and your passengers’ medical expenses after an accident, regardless of who is at fault.
• Personal injury protection insurance (PIP). Covers medical expenses for you and your passengers, as well as lost wages and other household costs while you recover from any injuries.

Full coverage auto insurance includes both bodily injury and property damage liability coverage and collision and comprehensive insurance. Depending on your state, PIP may also be required, and UM/UIM is also highly recommended, with hit-and-run accidents rising every year.

Full coverage is generally a good idea if your car is valuable or would be difficult to replace with just your savings. Although it isn’t legally necessary, if you have a car loan or lease, some lenders might.

For older vehicles that might not be worth investing in repairs, you can carry liability-only coverage, which is the legal minimum required in most states. It can result in savings of up to 66% per year over full coverage insurance.

How much is Farmers minimum insurance coverage?

Although the minimum coverages required by each state differ, a liability auto insurance or minimum auto insurance policy provides the protection you need to drive legally. Despite being less expensive than a full coverage policy, minimum insurance provides little protection because it excludes coverage for your car or medical expenses.

Farmers does offer liability-only insurance at affordable rates:

Farmers minimum coverage rates are slightly more expensive, coming in at $102.90 monthly for drivers with a clean record. The national average for minimum liability is around $80.

How much is a Farmers full coverage auto insurance?

Although a full coverage policy is more expensive than minimum coverage, it offers more protection.

Compare Farmers insurance quotes against full coverage costs at other national companies:

A 45-year-old can expect to pay around $139 monthly for a full coverage Farmers auto insurance policy, with the next cheapest options being Geico, State Farm, and Travelers.

Does Farmers sell any additional or specialized car coverages?

Drivers may be able to add choices like new car replacement, accident forgiveness, and even full windshield and glass coverage to the normal policy options for auto insurance.

If you want to protect your vehicle beyond the standard auto insurance coverages, review the additional Farmers coverage options below to see if they would benefit your circumstances.

• Towing and roadside assistance. Farmers offers helpful roadside assistance, towing, winching, and connections to emergency services.
• Accident forgiveness. Farmers won’t raise rates after your first accident. Drivers automatically enroll in accident forgiveness after five years without an at-fault accident. (Not available in CA, HI, NY & SC.)
• Rideshare insurance. This insurance is crucial to people engaged in driving rideshare services such as Uber or Lyft in the event of an accident resulting in injury claims.
• Rental reimbursement. Up to 30 days of rental car reimbursement to help you manage your life while your car is in the shop.
• OEM parts replacement. If your vehicle is less than 10 years old, you can receive original equipment manufactured parts, meaning not after-market parts, in the event of needed repairs after an accident.
• New car replacement. Farmers will replace your new car with the same make/model before 24,000 miles on the odometer if you total the vehicle in a covered claim.
• Guaranteed value car insurance. Great for classic cars and antique vehicles, this type of coverage pays out at a predetermined price for an insured vehicle
• Personal umbrella. Provides additional liability coverage above the limits on your auto policy to increase the protection of your assets.
• Customized equipment. This covers any vehicle upgrades, such as infotainment systems and custom wheels, if your auto insurance policy includes collision and comprehensive coverage.
• Glass deductible buyback. If you need windshield repairs, your deductible will be paid by Farmers up to $100.

These are just some of the featured additional coverages Farmers Insurance is known for.

What other types of insurance does Farmers sell?

Farmers provides numerous other insurance products in addition to auto insurance, enabling policyholders to take advantage of multi-policy discounts. For example, drivers can combine their auto and home insurance policies to receive a bundling discount.

Farmers offers the following kinds of insurance:

• Commercial and business insurance
• Auto insurance for collectibles and antiques
• Flood protection
• Homeowners and renters insurance
• Specialty vehicle insurance for off-road vehicles
• Motorcycle insurance
• Motor home and RV insurance
• Maritime and boat insurance for personal watercraft
• Insurance for travel trailers
• Umbrella coverage

As you can see, Farmers offers a range of additional insurance plans to satisfy the requirements of almost every driver.

Does Farmers have a mobile app?

Farmers has a highly-rated mobile app available for download on the App Store and Google Play Store. The app allows you to pay your auto insurance bill, request roadside assistance, get an ID card, and file a claim.

Farmers mobile app ratings are good. On the App Store, the app has a 4.8/5 star rating, whereas the Google Play Store has an average rating of 4.6/5 stars.

Farmers Auto Insurance: The Bottom Line

Farmers auto insurance is slightly more expensive than other national companies, including Geico and State Farm. Rates are above average for drivers in almost every demographic, especially teens and young adults.

However, Farmers has stellar financial ratings and high customer satisfaction. You can rest assured that the company will look after your policy and pay out any claims.

If customer service is important to you, there is a wide variety of Farmers insurance discount opportunities to help reduce the cost of your auto insurance policy. Enter your ZIP code below to compare Farmers insurance quotes to the most competitive auto insurance companies in your city.