Jerry's research team analyzed first-hand reviews and found that Farmers Insurance stands out as a strong choice within the list of the top ten largest auto insurance companies in 2023.

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Updated on Apr 4, 2024

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

What's on this page?

Comprehensive Farmers Car Insurance Review
So, is Farmers a good insurance company?
Farmers car insurance reviews
Farmers pros and cons
Is Farmers the right insurance company for you?
Is Farmers' car insurance expensive?
Will Farmers raise your rates?
Does Farmers resolve claims fast?
Does Farmers have good customer service?
Farmers' car insurance discounts
Farmers' coverage options
Farmers' additional tools and services
FAQs
Read all Farmers car insurance reviews
Methodology
Meet Our Experts

Load full table of contents

Comprehensive Farmers Car Insurance Review

Farmers Insurance is a solid pick among the top ten biggest auto insurance companies of 2023, according to first-hand reviews analyzed by

Jerry

’s research team.

Jerry

experts conducted one of the nation's most extensive reviews to collect car insurance information over 18 months. We surveyed over 18,000 policyholders from all 50 states, asking them about their experience with their insurance company’s customer service, renewal process, claims handling, and more.

Here's how verified Farmers Insurance policyholders rated the company:

3.9

366 Reviews

5 Stars

46.45%

4 Stars

20.77%

3 Stars

18.03%

2 Stars

4.92%

1 Star

9.84%

So, is Farmers a good insurance company?

Overall, yes.

Among the 200 reviews we analyzed, 69% were overwhelmingly positive, while only 13% were negative.

Compared to the average rate of satisfaction among the other companies we surveyed (64% positive to 18.54% negative), Farmers Insurance is slightly ahead of the pack.

The good: Farmers Insurance is well-balanced, returning a solid score in all five categories.

Caring insurance agents

Convenient, reasonable free quotes

Large insurance product selection and plan flexibility

On the other hand: Farmers doesn’t excel in any category, so you’re bound to encounter a hiccup at some point.

Jump to:

Farmers Car Insurance Reviews

Farmers Pros and Cons

We asked policyholders to rate Farmers Insurance on its cost, customer service, claims process, purchase, renewal, and overall satisfaction.

Below are Farmers Insurance's ratings compared to the national average of all the companies we surveyed:

Criteria	Farmers's Rating	Industry Average
Overall	4	4.1
Cost / Price	3.5	3.8
Claim Experience	3.8	3.5
Customer Service	4	4
Renewal Experience	4.1	4

Farmers Insurance is the ninth-largest car insurance company in the country. According to its website, it serves 10 million households with a network of nearly 50,000 insurance agents and 21,000 staff members.

For the sake of fairness, we made sure to compare Farmers only to other auto insurance providers of a similar size. Here’s where the company stands among its peers:

Critera	Farmers	Score Out Of
BBB Rating	A	A+
NAIC Rating	1.91	6
Clearsurance	3.99	5
A.M. Best Rating	A	A++
IOS App Store Rating	4.8	5
Google Play Store Rating	4.6	5

Please note* that a greater NAIC score indicates increased risk.

Farmers car insurance reviews

Check out some real reviews from Farmers Insurance customers about their car insurance company:

Farmers pros and cons

Our analysis includes both our national insurance customer satisfaction survey and public third-party rankings, including the Better Business Bureau (BBB), the National Association of Insurance Commissioners (NAIC), and AM Best.

Altogether, Farmers is reliable but pricey. Here’s what you can count on if you purchase auto insurance coverage from the company:

Pros

A rating from the BBB

A- rating from AM Best

Flexible coverage and add-ons

Helpful app and plenty of tools

Cons

Non-standard drivers pay extremely high insurance premiums

Prices for all drivers are higher than the industry average

Senior citizens and teen drivers may have trouble finding affordable rates

Is Farmers the right insurance company for you?

Farmers Insurance is a great pick if you:

Have a family and need options for drivers of different ages

Own a diverse set of properties you’d like to protect

Want to manage and make insurance coverage changes on the fly

Keep in mind: Farmers Insurance doesn't target non-standard customers, so drivers with poor credit scores or spotty driving records might not be impressed by their insurance rates.

Farmers Insurance operates across all 50 states and offers a 24/7 claim line. You can get in touch in just about every way imaginable, or call the customer service department Monday to Friday from 7:00 AM to 11:00 PM CST, or Saturday to Sunday from 8:00 AM to 8:00 PM CST.

The company’s long list of products includes:

Auto insurance

Classic car insurance

Motorcycle insurance

RV insurance

Various vehicle insurances, including ATVs, fifth wheels, travel trailers, and more

Condo insurance

Home insurance

Renters insurance

Various property insurances, including mobile homes, vacation homes, and fire, flood, and earthquakes

Life insurance

Business insurance

Commercial auto insurance

Pet insurance

Personal umbrella insurance

Click on the buttons below to see more about each of Farmers’ insurance products.

Is Farmers' car insurance expensive?

Farmers car insurance policies are more expensive than those of its industry peers.

Among the 200 reviews we collected for Farmers Insurance, 16% mentioned cost directly. About 60% were positive, while 35% were negative.

Since Farmers' prices are already above average, its insurance rates are especially high for non-standard customers, including those with bad credit scores or driving records.

Comparing Farmers’ policy cost satisfaction scores to other insurance companies of a similar size, Farmers placed 14th out of 19. It took home 3.4 points out of 5.0—12% lower than the national average.

Here’s a complete overview of how Farmers Insurance performed relative to its peers:

Farmers Policy Cost Rating	Ranking	Industry Average
3.5	13	3.8

Keep in mind: Car insurance quotes are highly personal. Two customers from the same city could receive quotes hundreds of dollars apart based on their driver profiles.

Farmers Insurance

calculates its car insurance rates

using a complicated formula that includes a driver’s:

Age and demographic

Car insurance history

Driving record

Experience level

Household members of driving age (and

whoever you add to your policy

)

Policy coverage limits

Policy coverage type

Vehicle make, model, and year

ZIP code

Every auto insurance provider’s formula is different, but there are some patterns between states. Here’s how much your premiums could vary depending on where you live:

Farmers cost reviews

Check out how real Jerry users rated Farmers based on cost:

Will Farmers raise your rates?

The insurance rate at Farmers (and every other car insurance company) is typically a little higher each year.

You’ll see the most dramatic difference in your rates if:

The inflation rate rises

You add a new driver to your policy

You add a new vehicle to your policy

You change your address

You’re involved in a car accident

You receive a traffic ticket

Our survey results say that most drivers chose to renew their policy with Farmers Insurance.

Remember: Even if you don’t change a thing and practice safe driving, it’s normal for your rates to increase when your

car insurance renews

. Providers often change their prices.

Does Farmers resolve claims fast?

By claims process, we mean what happens after you

file a car insurance claim

: your provider assigns you an adjuster, and the adjuster approves or denies your claim. Customers like claims to be settled quickly, fairly, and transparently.

Approximately half of Farmers Insurance's reviewers shared their experiences with filing a claim, rating it 3.7/5 for efficiency and satisfaction. Overall, consumers were satisfied with Farmers Insurance's claims process but felt it could be improved.

Farmers Insurance ranks 13th overall among its competitors, which average a claims satisfaction score of 3.5/5.0.

Farmers Claims Resolution Rating	Ranking	Industry Average
3.8	13	3.5

Farmers claims reviews

If you don’t care for numbers, take a look at the reviews below:

Does Farmers have good customer service?

According to policyholders, Farmers Insurance provides decent customer service.

Survey respondents rated Farmers Insurance’s customer service department 3.9/5 overall—exactly the same as the average.

Enthusiastic customers praised Farmers agents for their attentiveness, caring attitude, and speed. Critics, however, found staff slow to respond.

Farmers Customer Service Rating	Ranking	Industry Average
4	13	4

Farmers Customer Service Reviews

Take a look below and you’ll see what we mean:

Farmers' car insurance discounts

Farmers’

car insurance discounts

include all the basics, plus some special programs.

Reducing your insurance rates doesn’t have to be a chore. Your age, mileage, driving record, and more can be a source of savings—all you have to do is call!

A little over 1 in 10 Farmers Insurance policyholders mentioned they liked the discounts, which include:

Bundle discounts:

Farmers Insurance also offers renters' and homeowners' insurance, so you can save by purchasing two or three policies at once.

Defensive driver discount: If you're 55 or older, you can save on your insurance by taking a

defensive driving course

ePolicy discount: Switch to electronic billing to shave a little money off your insurance premiums.

Family car discount: Farmers offers a discount to families with young drivers.

Green discounts: Drive an electric or hybrid vehicle and get up to 5% off your insurance premiums.

Military and affinity organizations discount: Farmers offers discounts to members of the military and affinity organizations.

Multiple-car discount: When you insure multiple cars with the same company, you'll save money.

Payment discounts: The pay-in-full or good payer discounts are available if you make a lump sum payment or set up automatic withdrawals.

Safe driver discount:

Farmers Insurance offers a great rate to drivers without accidents or claims in the past three years.

Safe vehicle discounts: Farmers offers discounts to customers whose vehicles have anti-lock brakes, homing devices,

anti-theft devices

, and other safety features.

Signal app:

Farmers Signal tracks your driving habits, allowing you to save up to 30% on your insurance premiums.

Young drivers: Farmers offers young drivers numerous savings opportunities through youthful driver, distant student, and

good student discounts

Savings programs can change over time. To find out which discounts are available (and whether you qualify), call or visit the Farmers Insurance website.

Farmers' coverage options

The best auto insurance policy is one tailored to suit your needs and your

state’s insurance requirements

. Here are the most common

types of car insurance

, add-ons, and additional coverage options that you can find with Farmers Insurance:

Liability insurance

is mandatory in most states. It includes

Bodily Injury Liability (BIL)

and

Property Damage Liability (PDL)

to pay the cost of any damages you cause in a car accident.

Collision coverage

repairs your car after an impact with another vehicle or object, whether it’s your fault or not.

Comprehensive coverage

pays in the event of a fire, flood, vandalism, or theft.

Classic car insurance

reflects the special value of a collectible or classic, not the market value of its peers. With the Guaranteed Value add-on, you can negotiate with a Farmers agent to set the price of your payout.

Customized equipment coverage insures up to $750 worth of custom and aftermarket parts for repair or replacement. It’s available only for

full-coverage insurance policies

Glass Deductible Buyback is an add-on that covers

cracked windshields

and glass with zero deductibles.

Medical payment (MedPay)

covers medical expenses for you and your passengers.

New car replacement coverage

guarantees an identical or equivalent replacement vehicle following total loss, regardless of your old model’s depreciation.

Non-owner insurance

provides supplemental liability coverage whenever you drive a borrowed or rental car.

Personal Injury Protection (PIP)

covers hospital bills, lost wages, and other medical costs for you and your passengers, regardless of fault.

Rental reimbursement

offers 30 days of rental car coverage to offset the loss of use while your car is in the shop.

Rideshare insurance

extends liability coverage to driving services like Uber or Lyft.

Roadside assistance

offers 24/7 towing, winching, jumpstarts, battery charges, flat tire changes, and locksmith services.

Spare parts coverage covers up to $750 worth of spare parts in your garage.

SR-22 insurance

or FR-44 insurance is available to Farmers customers required to file it.

Towing and labor coverage

covers—what else?—towing and minor repairs.

Uninsured Motorist (UM) and Underinsured Motorist coverage (UIM)

pays the damages if the driver that hit you doesn’t have enough insurance (or any insurance at all).

Farmers' additional tools and services

Farmers Insurance has been around for a long time and has a lot to offer customers looking to manage their insurance policies.

Here’s how to get in touch:

Agent Directory: Search Farmers’ vast network of insurance agents by distance, ratings, known languages, and more on their website.

Claims Call Center: Farmers’ claims phone line is available 24/7 in English, Spanish, and Telecommunications Relay Service (TRS).

Customer Care Center: You can get a quote from customer service Monday to Friday from 7:00 AM to 11:00 PM CST, and Saturday to Sunday from 8:00 AM to 8:00 PM CST.

Email: You can get in touch with customer service over email and messaging.

Farmers.com: Farmers Insurance policyholders can sign up for an online account to manage their payments, policies, and coverage. New customers may also request quotes online.

Farmers Insurance mobile app: Farmers Insurance offers a

car insurance app

that allows customers to file claims, make payments, call roadside assistance, and access digital

proof of insurance

on the go.

Mail: You can make payments and send paperwork the old-fashioned way to the Farmers’ offices in

California

and

Illinois

Payment Center: The Farmers payment call center is also 24/7 for personal and commercial customers.

Social media: Farmers Insurance maintains an Instagram, Facebook, and Twitter presence where you can find updates and promotions.

Contact your local Farmers Insurance representative or visit the website to get the latest information about tools, services, and savings.

FAQs

What is Farmers AM Best rating?

Farmers Insurance has an "Excellent" financial strength rating from AM Best. The “A” rating means that Farmers maintains a balance between profits and losses and has the funds to cover its clients' claims.

Who owns Farmers Insurance?

Zurich Insurance Group Limited, based in Switzerland, is Farmers Insurance Group's parent company. AM Best reported that Zurich oversees most of Farmers non-claims-related operations.

Does Farmers Insurance operate in Canada?

Farmers Insurance operates in Canada as well. American policyholders enjoy the same coverage north of the border as they do in their home state.

Why is it called Farmers Insurance?

Farmers Insurance took its name from its very first group of customers and the backgrounds of its founders. John C. Tyler's father was a farmer, while Thomas E. Leavy was raised on a dairy farm.

What insurance company is usually the cheapest?

Usually, the cheapest insurance company is the one you find after comparing multiple quotes. Download an

insurance comparison app

to see how much your premiums can vary with different providers and why comparison shopping is essential.

Read all Farmers car insurance reviews

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.