Farmers Auto Insurance Review 2025

4.6

Jerry rating

Our Take

Farmers Insurance offers customizable policies with many discount opportunities, and Jerry customers gave it a moderately high score.

Pros

• Ample coverage customization options.
• Many discounts available.
• Relatively few consumer complaints.

Cons

• Below-average rating in J.D. Power’s auto insurance shopping study.
• Not available in all 50 states.

Farmers auto insurance review

Jerry rates Farmers car insurance 4.6 stars out of 5. That’s higher than many other insurers Jerry rates and takes into account the insurer’s pricing, industry ratings, consumer ratings, financial strength and national complaint data.

This insurer stands out for its long list of optional coverages, many discounts and well-rated mobile app. However, Farmers received mixed reviews from industry reports and consumers alike.

Consumers can get a Farmers car insurance policy online, over the phone or from a local agent.

Who is Farmers best for?

Farmers may be a good choice for drivers with a clean record who want coverage tailored to their needs. For example, drivers can buy rideshare coverage, add rental reimbursement and get custom equipment covered through Farmers.

It’s wise to compare car insurance quotes from multiple companies to find the right coverage at the lowest price.

How much does Farmers car insurance cost?

Farmers car insurance costs may be high compared to other insurers. Your premium is determined by a number of factors, including your age, location, the type and age of your vehicle, your driving record, other drivers on your policy, and the amount of coverage you want.

Farmers car insurance discounts

Farmers offers multiple discounts for loyalty and safe driving. You could save on Farmers insurance for:

• Having multiple policies.
• Going paperless.
• Paying your bill on time for 12 consecutive months.
• For drivers under 29 years old, moving out of a home where you were a driver on a Farmers policy for at least a year and starting a new Farmers policy.
• Setting up automatic payments.
• Having zero accidents or citations for three years. There’s another discount for making it to five years.
• Living in a household with more drivers than vehicles.
• Being a homeowner.
• Paying the full premium up front.

Does Farmers offer insurance based on driving behavior?

Yes. The insurer’s Signal app monitors drivers’ habits, such as braking and phone use, and gives good drivers the chance to save on their premium upon renewal. However, risky driving behavior can cause policy costs to increase.

Farmers says drivers get an initial discount just for using the Signal app.

Farmers car insurance coverage options

Like most insurers, Farmers offers collision, comprehensive, liability for bodily injury, liability for property damage, medical expense, personal injury protection and uninsured/underinsured motorist.

• Coverage definitions

  Coverage	Definition
  Collision	Pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage.
  Comprehensive	Covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events.
  Liability for Bodily Injury (BI)	Helps cover medical costs sustained by others in an accident you cause. It’s mandatory in most states.
  Liability for Property Damage (PD)	Helps pay for repairs or replacements of any vehicles or objects you damage. It’s mandatory in most states.
  Personal Injury Protection (PIP)	Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states.
  Medical Expenses (MedPay)	Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states
  Uninsured/Underinsured Motorist (UM/UIM)	Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance or carries insufficient coverage to pay for your costs.

Farmers also offers the following optional coverages:

• Roadside service helps pay for towing, tire service, a locksmith or jump start if your car is disabled away from home.
• Rental car reimbursement pays for a rental car for up to 30 days while your car is being repaired.
• Rental alternative coverage pays a stipend to be used for public transportation, taxis, rental cars and other transportation expenses while your car is being repaired or if it’s a total loss.
• Original equipment manufacturer coverage pays for a repair shop to use original manufacturer parts when fixing your car.
• Accident forgiveness buys you one forgiven at-fault accident every three years.
• Rideshare insurance provides coverage between ride-hailing and delivery drivers’ assignments.
• New car replacement can replace a vehicle that is a total loss with a new car.
• Customized equipment coverage pays to repair and replace equipment that was installed after purchase such as custom wheels and infotainment systems.
• Glass deductible buyback requires a lower deductible for glass repair and replacement ($100 or $0, depending on the state and damage).
• Gap insurance pays the difference between the amount you owe on a financed or leased car and its cash value if it’s totaled.

Industry ratings of Farmers car insurance

Farmers car insurance does especially well with industry reports that focus on consumers’ experiences, including a fairly strong rating in J.D. Power’s auto claims study and a lower-than-expected number of consumer complaints.

• NAIC details

  Farmers had a low number of consumer complaints for private passenger policies from 2021 to 2023, according to the National Association of Insurance Commissioners (NAIC). The NAIC’s consumer complaint index measures the number of complaints an insurer receives in proportion to its size. Farmers had a low index, meaning it didn’t receive an especially high number of complaints.

  Qualitative rating	3-year consumer complaint index
  High	Above 1.5.
  Moderately high	1 to 1.5.
  About average	Near 1.
  Moderately low	1 to 0.5.
  Low	0.5 to 0.

  The NAIC is the governing body for insurance in the United States. It sets standards, analyzes insurer financial filings, maintains reporting and more for insurance companies.

• CRASH Network details

  CRASH Network, an automotive trade publication, gives Farmers a C- in its 2024 Insurer Report Card. The report card asks more than 1,000 collision repair professionals across the United States how well an insurer’s claims handling policies, attitude and payment practices ensure quality repairs and customer service for drivers.

  Farmers is ranked No. 70 out of 88 insurers rated.

  In 2024, the CRASH Network’s survey received responses from 1,134 repair professionals. Insurers that received a grade from at least 35 respondents were included in the 2024 report card. Read more about the report card methodology on the CRASH Network’s website.

• J.D. Power details

  Farmers came in below average in J.D. Power’s 2024 Insurance Shopping Study with a score of 667 out of 1,000 and a rank of 11 out of 17. The report measures consumer satisfaction with the shopping experience from different insurers.

  
  The company did well in J.D. Power’s 2024 Auto Claims Satisfaction Study, reaching a score of 706 out of 1,000 and ranking No. 8 out of 21. The study measures consumer satisfaction with the claim process, which is a key moment in a policyholder’s often-quiet relationship with their insurer.

  J.D. Power is a market research company that evaluates customer satisfaction and industry performance across multiple sectors.

• AM Best details

  AM Best gives Farmers an A for financial strength, meaning the insurer has an excellent ability to pay out claims. This rating is not as high as other insurers, which can achieve as high as A++, but it’s not a cause for concern.
  

  AM Best is a credit rating agency that specializes in insurers’ ability to meet their financial obligations.

Customer reviews of Farmers

Hundreds of Jerry customers have used and reviewed Farmers for their auto insurance products and have given the company a moderate overall score. 

Jerry customer reviews

3.9

393 Reviews

Ratings

5 Stars

46%

4 Stars

21%

3 Stars

18%

2 Stars

5%

1 Star

10%

How to contact Farmers

Policyholders can log in to the Farmers website (https://www.farmers.com/css/login) to file a claim or make a payment. Customers can also manage their payment options and view policy documents on the company’s well-rated mobile app.

Here are the insurer’s phone numbers:

Get a quote, find an agent or make a payment: 888-327-6335.

Claims: 800-435-7764.

Methodology

Pricing information is based on over 400,000 actual policies quoted for real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation.

How we rate car insurance companies

Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.

We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.

These individual factors roll up into one weighting system as follows:
20% Financial strength
20% Complaints
20% Industry ratings
20% Customer ratings
20% Cost and discounts