Farmers Insurance Review
- With 4.0/5 stars in 2024, Farmers is a good insurance company.
- Read Farmers reviews, complaints and prices before you buy.
Farmers insurance: Ratings and reviews
Headquartered in California and writing policies since 1928, Farmers Insurance is a well-known and trusted car insurance provider. The Farmers Insurance Group of Companies encompasses many facets of insurance, from specialty providers to smaller regional carriers. Farmers offers a wide range of policy types to meet just about every need and rates that are comparable to other large insurers. Read on to learn more about coverage options and what you can expect as a potential Farmers Insurance policyholder.
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Customized coverage
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Good claims satisfaction rating
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Wide variety of coverages
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Below average customer satisfaction rating
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Slightly more expensive than some large carriers
Is Farmers a good insurance company?
The majority of The Zebra's review incorporates how well Farmers scores in terms of customer service. In order to determine that we looked at the following third-party ratings.
Claims Satisfaction: Above average
- Farmers earned Above average marks in J.D. Power's most recent auto claims satisfaction study[1]
Customer Satisfaction: Below average
- J.D. Power also rated Farmers as Below average in overall auto customer satisfaction[2]
Complaint Index: Above average
- The National Association of Insurance Commissioners (NAIC) receives Above average customer complaints for Farmers[3]
Financial Strength: Excellent/Good
- Farmers received an Excellent/Good financial strength rating from A.M. Best for its ability to pay out claims[4]
The Zebra Customer Satisfaction Survey
In addition to third-party ratings, we also incorporated the results from our own consumer survey where we ranked which car insurance companies are the best based on feedback from real customers. In this survey, Farmers scored 8.2/10 overall, placing it 23rd on the list.
Farmers vs. other top insurance companies
How much does Farmers insurance cost?
Currently, the national average for a 6 month car insurance policy is $880, whereas Farmers is about $893 or roughly 2% in premium difference versus a typical policy, so the company is a bit more expensive than the cheapest auto insurance options available.
The table below shows how Farmers auto insurance compares against other top insurers.Â
| Company | Avg. Monthly Premium |
|---|---|
| Travelers | $112 |
| Nationwide | $123 |
| GEICO | $129 |
| American Family | $131 |
| State Farm | $131 |
| Farmers | $149 |
| Progressive | $157 |
| Allstate | $201 |
Like any other auto insurance company, pricing for Farmers auto coverage does vary based on your age and will, generally, get cheaper as you age.
The table below shows Farmers average car insurance premiums for different age brackets.Â
| Age Group | Avg. Monthly Premium |
|---|---|
| Teens | $569 |
| 20s | $195 |
| 30s | $147 |
| 40s | $143 |
| 60s | $142 |
| 50s | $134 |
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Discounts offered
- Multi-policy discount: If you have more than one Farmers policy, you can earn a multi-policy discount.
- Good driver discount: If you’ve avoided collisions for three to five years, you could earn a good driver discount on your Farmers auto policy.
- Good student discount: If you or a driver on your policy has a GPA of 3.0 or better and is under the age of 25, you can earn a good student discount.
- Homeowner discount: Depending on where you live, you can earn a small discount for your homeowner status with Farmers.
- Affinity/membership discount: Certain occupations can receive a discount on a Farmers policy. Proof of occupation is usually required. This discount is subject to state regulations.
Take a look at all of Farmers discount options here.
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What types of coverage does Farmers offer?
One aspect of a large company is typically a wide array of coverage options. Farmers offers any of the basic coverage options you might need, such as liability, collision, comprehensive, and uninsured/underinsured motorist coverages. Here are a few of the perks and additional options you can add to an auto policy with Farmers:
- Bundling options - If you purchase multiple policies with Farmers (like auto and home), you may qualify for discounts.
- Roadside assistance - This 24/7 service helps pay for towing, tire-change service, locksmith and jumpstart situations.
- Rideshare coverage - Farmer's Rideshare coverage adds an extra layer of protection during times when Uber's and Lyft’s coverage, or personal coverage, doesn't.
- Rental car reimbursement - This covers the cost of renting a car (up to 30 days) while your personal vehicle is being repaired.
- Glass deductible buyback - This allows for a $100 deductible on windshield and glass repair or replacement. There is also a $0 deductible option for full windshield and glass coverage.
View the full list of Farmer's products here.
Farmers Signal
Signal is Farmers' primary telematics program for personal auto policies. This program uses a mobile app to gauge the way you drive and more accurately price your insurance premium. It looks at the frequency of hard braking, excessive speeds and distracted driving habits to determine your premium. Learn more about Signal and whether it's available in your location here.
Farmers also offers FairMile, a telematics program for small businesses that are insured under a commercial auto policy. FairMile is also usage-based and works through a smartphone app and plug-in device that is installed in each business vehicle. With this program, premiums are based on miles driven in each vehicle, and premiums are adjusted each month to reflect actual miles driven compared to the mileage amount estimated at inception. This program is currently only available in Washington.
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Real-life customer experience
In an effort to provide even more insight into the Progressive customer experience, we reached out to real customers to see who has used Farmers as their own personal carrier. This is what Kimberly had to say.
Quick facts:
- Customer for 1-3 years
- Also has a homeowners policy
- Has never filed a claim
Farmers insurance review: Summary
Farmers has a strong history in the insurance business, and with its positive claims experiences and wide variety of options, the company likely offers coverage for whatever you may need to insure. Their rates are competitive with other larger companies, but they do have slightly higher-than-average complaints with the NAIC. All in all, Farmers is a good option for your insurance needs and is likely worth your time to get a quote.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:
- Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
- Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
- Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
- Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
- The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.
For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
These sample premiums are dynamic and automatically refresh whenever the newest data is made available.
To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.
For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Farmers insurance: Frequently asked questions
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Customer Questions about Farmers
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.