Farmers Auto Insurance

by Nikola Djurkovic
Carsurance Verdict: Farmers is an affordable insurer with reliable customer service that offers various discounts and optional coverages. We recommend checking it out.

Farmers insurance group was founded in 1928 in Los Angeles, California. It is a subsidiary of the Swiss enterprise called Zurich Insurance Group. Farmers has more than 40,000 independent agents and approximately 21,000 employees. The company takes pride in its wide network of agents and the professionalism they bring. Their focus on their customers is also visible in the company’s desire to educate its buyers on how their products work by highlighting which items are covered by a specific coverage, as many Farmers insurance reviews note.

Their ads feature J.K. Simmons, an actor with a deep voice who you might remember from the movie Whiplash, where he plays a mean jazz professor who shouts, “Not my tempo!” Their commercials stress how Farmers takes great care of their employees, customers, and the local community. Oftentimes, they employ emergency response teams in case of natural disasters, which helps complete claims quickly. To determine whether or not Farmers is as great as they advertise, and if other factors make it an excellent choice for car insurance, we looked at many customers’ Farmers car insurance reviews and expert opinions, as well as the data we gathered.

Product Overview

Features

Farmers operates in all 50 US states. The company has a vast network of independent agents, but also offers excellent online tools. It has a convenient mobile app, which lets you access your policy documents, pay bills, set up reminders, and report claims. That’s right, Farmers lets you report a claim online, either on their website or their mobile app, which isn’t a standard feature in the insurance industry. After you file a claim online, a representative will call you to discuss the details, and you’ll always be able to check your claims status online.

The prices offered by Farmers insurance are definitely a little bit above the average, unless you’re a young driver. In this case, premiums are extremely high, and we would advise you to look elsewhere unless you are willing to pay extra for no apparent reason. Overall, customer service is solid, while not being the best available.

One area where Farmers insurance excels is their claims processing, which is reflected by the high ratings awarded by industry experts. There are several extra coverage options and discounts to satisfy the average customer; however, there are companies that offer more in this department.

Signature Feature

Farmers insurance reviews agree that the Rewards Visa Card is one of the best perks of being a Farmers customer. It earns you points for each purchase made using the card, and you will earn triple points if you are purchasing Farmers products. The points can be later redeemed for a statement credit to offset purchases. Alternatively, you can redeem your points on travel, gift cards, merchandise, and much more.

Financial Strength

No matter how reasonable the prices are and how pleasant the customer service is, it’s not worth much if the company doesn’t have the financial strength to pay their claims. There should be no such worries here because the Farmers insurance company rating from A. M. Best is A (Excellent), which is the second-best rating possible.

Standard and Poor’s also gives Farmers a solid rating of AA, or “Very Strong.” Additionally, the company is ranked 253rd on the Fortune 500 list for 2018. All of this data indicates that Farmers certainly has strong financial operations, and there should be no concerns when it comes to the company’s ability to pay customers’ claims.

Types of Insurance Offered

We found that Farmers car insurance offers all the common coverage that most insurance companies offer plus some interesting extras. However, you won’t lose out on the more notable ones like gap coverage. Basic options commonly found in the industry include collision, comprehensive, property damage liability, bodily injury liability, medical expenses, personal injury protection, and underinsured/uninsured motorist protection. The optional coverage is as follows:

New Car Replacement Coverage – If your car is less than two years old, and it has a mileage less than 24,000 miles, this option will cover the expenses of a new vehicle of the same make and model minus the deductible, if a total loss happens. Farmers’ offer is good, as other reviews on Farmers insurance will confirm; however, Travelers has the best coverage, which covers your new car for up to five years.

Customized Equipment Coverage – If you customized your car to fit your needs and to match your personality perfectly, by adding items such as sound system, alloy wheels, spoilers, or bumpers, this option will have you covered in case of an accident. Customized Equipment Coverage can be bought with comprehensive or collision coverage.

Personal Liability Umbrella Coverage – If you want to raise your liability limits, you can purchase Farmers personal umbrella coverage and increase your limits up to $10 million.

Roadside Assistance – This optional coverage pays the costs of roadside repairs, flat tire changes, battery jump starts, fuel and oil delivery, towing, and locksmith services if your car breaks down. The Farmers insurance roadside assistance helpline operates 24/7, and you can call them in case of an emergency at 1-800-435-7764.

Accident Forgiveness – If you are a safe driver for years, Farmers won’t increase your premium for each at-fault accident every three years you’ve been accident-free.

Rental Car Reimbursement – While you’re waiting for your car to be repaired, Farmers will cover the price of a rental car for a maximum of 30 days. They will also help you find a quality rental shop that cooperates with Farmers, meaning they can bill them directly. Additionally, you will get free pickup and delivery of the rented vehicle. We must say Farmers auto insurance does an excellent job with their coverage.

Loss of Use – If your car is out of service due to a qualified disablement, Farmers will provide a flat amount for public transport, a taxi, or a rental vehicle while your car is being repaired.

Original Equipment Manufacturer – This option is available with collision and comprehensive coverage if your car isn’t older than 10 years. It pays for the manufacturer’s original replacement parts if your vehicle is damaged.

Glass Buy-Back – If you select this coverage, Farmers car insurance will direct you towards a reputable vehicle glass company if you have a cracked windshield, and you will be back to using your vehicle quickly.

Ridesharing Coverage – This option is available only in selected states. It expands the insurance offered by the ridesharing companies such as Uber and Lyft by providing coverage when you are connected to the app and waiting to be matched with a passenger. You can call the Farmers insurance phone number (1-855-808-6599) to see how to add this coverage.

Classic & Collector Car Insurance – This option is specifically designed for people who love cars and their history. If you own a Mustang from the 1960s, a rare Shelby Cobra, brand new Lamborghini Aventador, or a custom hot rod that you would never dare tell your wife the cost of, Farmers has you covered. Farmers agents will guide you on how to find the best coverage for a car that cannot easily be replaced.

Customer Service

Farmers insurance customer service is rated as very good per the most reputable reviews. In J.D. Power’s national rankings, the company scores an excellent 4.5 stars in the 2018 claims satisfaction studyholding 4th place from the top. In the 2018 insurance shopping study, the company scores a bit lower, holding 3 out of 5 stars, which is the average ranking. However, we would still put more weight on any Farmers insurance claims processing satisfaction study, since it really reflects if you’re getting your money’s worth when it comes to car insurance.

It should also be kept in mind that in regional rankings, there are places where Farmers does not score that high. Those regions are the California region, mid-Atlantic region, North Central region, Northwest region, and Southwest region. If you are looking for the absolute best customer service, you might want to look elsewhere if you are based in these locations.

The rating of Farmers auto insurance in various customer service categories.


On the Better Business Bureau website, the company is accredited, and it has an A+ rating, which is the highest rating possible. On the other hand, the rating from customer-based Farmers insurance reviews on the BBB is 1.5 stars out of 5, according to 41 reviews. Farmers has an NAIC ratio of 0.75, which is below the average for the company of its size. The lower the rating, the better. The company is comparable here to other big insurance providers like Geico, which has a rating of 0.62, and Progressive, which has 0.75 as well.

Farmers car insurance reviews on websites like Yelp and Consumer Affairs are often very negative, with a lot of one-star reviews; however, this is quite common for the industry. The customers complained about how their claims were handled, that they received low settlements, and that Farmers would do everything to deny the guilt of their drivers. On the other hand, there were many satisfied customers on Consumer Affairs, citing helpful agents and excellent customer service.

Our overall impression, based on all the data presented, is that Farmers offers reliable customer service, while not being the best in this particular department.

Discounts

We agree with other Farmers auto insurance reviews that the company offers a significant number of discounts that can bring the premium down. This is especially important for younger drivers since Farmers has higher prices for this particular category.

One thing we did not like is that Farmers doesn’t provide information on the website about how much the discounts reduce the premium percentage-wise. This is important for us as reviewers since we like to direct a customer to a company where the discount they are eligible for is the highest. We understand that particular discounts vary from a state to a state; however, we would still like to see some general information, especially given the fact that many competitors provide this data. In this case, you are only able to call the Farmers customer service number (1-888-327-6335) to learn the exact amount. The discounts offered are as follows:

Alternative Fuel Vehicle Discount – If you are insuring a vehicle that is using an alternative fuel, like hybrid, electric, natural gas, methane, or propane, your consciousness about the environment will be rewarded with a discount.

Anti-Theft Discount – In case your vehicle is equipped with an anti-theft device installed by the manufacturer or an authorized dealer, you can get a discount. It is mandatory that the system is self-activating upon locking the car’s doors.

Business/Professional Group Discount – If you are employed or retired from an approved occupation or if you are working/retired from a certain professional organization, Farmers auto insurance gives you a discount.

Bundle Discounts – If you are purchasing home, condo, life, renters, or umbrella packages from Farmers, in addition to auto insurance, you can get a discount.

Electronic Funds Transfer Discount – If you are paying your premium by Automatic Bank Payment (EFT), you are eligible for a discount on your auto insurance.

ePolicy Discount – If you decide to handle your insurance documents electronically, you can get a discount.

Good Student Discount – Drivers who are 16 to 24 years old, full-time high school or college students, and meet specific criteria, like having a GPA of B or higher or being on the Dean’s list, can get a discount based on their good grades in school. Other Farmers auto insurance reviews agree that this is much needed, given how high their premium is for younger drivers. This discounts will be quite handy in the states like New York, which have high car insurance prices and a significant number of universities.

Homeownership Discount – If you own a home, you can get a discount on your auto insurance. The home does not have to be insured with Farmers.

Multi-Car Discount – If you have multiple vehicles on a policy with Farmers, you are eligible for a discount.

Paid in Full Discount – If you pay your entire premium at the beginning of the policy term, you can get a discount with Farmers insurance group.

Safe Driver Discount – This option is available only in selected states. If you have a clean driving record, you may qualify for a discount.

Senior Defensive Driver Discount – To qualify for this discount, you have to be at least 55 or 65 years old, depending on the state you reside in. You must also provide a certificate of completed accredited defensive driving course.

About Insurance Rates

In our Farmers auto insurance rate comparison, we found that the company’s prices depend on the driver’s age. For a 21-year-old driver, a Farmers monthly premium was $735, which is more than three times the premium of Progressive for the same category. In other words, you can insure three young drivers with Progressive and still get each one a large pizza twice a month, for the price that Farmers offers for a single driver. Farmers does offer some discounts for younger drivers; however, we would still advise them to look elsewhere if they are searching for a decent price.Farmers Car Insurance Prices Compared With Top Competitors


We also got a Farmers insurance quote for 40-year-old and 70-year-old drivers, and we found that the company’s prices are only slightly above the average for those categories. This means that Farmers can be an excellent choice for those categories if they can take advantage of one of the many discounts designed for them, like defensive driving or occupational discounts.

Other Farmers insurance company reviews found that the company offers prices close to the competition, which included State Farm and Allstate. However, per our data, those are usually the more expensive companies, which confirms that Farmers typically costs more than the average car insurance. However, there are many factors that determine your final premium, and it’s always the best idea to get a quote from a few insurance companies and see which one fits your needs perfectly. This is why the other Farmers reviews we checked didn’t get an impressive premium for younger drivers (although it was still high).

Farmers Auto Insurance Compared with Top Competitors

Farmers vs. Allstate

In our analysis, Allstate comes as a slightly cheaper option than Farmers for middle-aged and older drivers, while it is significantly less expensive for younger drivers. When it comes to customer service, Farmers scores better, holding 4.5 out of 5 stars in the claims satisfaction study, and 3 out of 5 starts in insurance shopping, compared to Allstate’s score of 3 and 2 stars in these categories. However, Allstate offers guaranteed claims satisfaction, which warrants you a refund if you are not pleased with the way your claim was handled.

On the other hand, the Farmers insurance company offers more additional coverage options and discounts compared to Allstate, plus the advantage of using the Farmers Visa card. This means that the choice between these two companies is not an easy one, since both Farmers and Allstate have their unique advantages and disadvantages. However, we would assume that customers would lean toward Allstate for the lower prices.

Farmers vs. State Farm

Whether you will get better prices from Farmers or State Farm depends on your age. For a 21- -year-old driver, State Farm has significantly cheaper coverage, while for a 40-year-old driver Farmers insurance has a clear price advantage. For a 70-year-old driver, the difference is only $10 per month in State Farm’s favor, meaning other factors like customer service and discounts should guide your choice.

Speaking of customer service, Farmers is the winner here when it comes to claims handling satisfaction, scoring 4.5 stars out of 5 in J.D. Power’s ranking, while both companies score the same in the insurance shopping study. Farmers also has an advantage when it comes to discounts and optional coverage, meaning it might be a better choice for all but younger drivers.

Progressive vs. Farmers

Farmers insurance claims reviews by J.D. Power rank the company significantly better in claims handling, while both companies are equal when it comes to insurance shopping. On the other hand, when it comes to offering the best prices, Progressive simply destroys Farmers in all three categories. There is no real competition here—if you want to get the best rates possible, Progressive should be your “go to” company.

When it comes to optional coverage, discounts, and unique features, both companies put up a good fight, meaning there is no clear winner in this department. All things considered, the advantage that Progressive has when it comes to prices can hardly be outweighed, meaning we would choose this company over Farmers.

Best Alternatives

Per the Farmers auto insurance reviews we checked and per our analysis, we found many good alternatives to Farmers. Those looking for the best prices, especially for riskier categories, should check Progressive. Geico is also a company that offers decent prices, is widely available, and scores well among expert insurance reviews.

Those looking for the best customer service should check Auto Owners and Erie insurance since these companies score high in this department. Perhaps the best overall choice is Amica Insurance, offering the perfect mixture of reasonable prices and outstanding customer service.

Other Expert’s Thoughts

Farmers insurance reviews put the company in the middle of the pack in the US auto insurance market. Nerdwallet ranks it as 14th overall out of 23 insurers tested, giving it 4 out of 5 stars. Value Penguin gives the company a positive review, citing excellent customer service and competitive prices as the biggest advantages. We have to disagree with the second assessment, as Farmers’ rates were higher than average in our comprehensive analysis.

J.D. Power gives the really high rating of 4.5 stars in the claims handling department while awarding it the average rating of 3 stars in the insurance shopping study, meaning that the customer service department is something Farmers can be proud of.

Frequently Asked Questions

1. Is Farmers good insurance for cars?

Farmers insurance company has solid customer service, good discounts, and some interesting optional coverage. The rates are competitive for middle-aged and older drivers while being sky-high for younger drivers. This means that we would not advise the latter to choose Farmers, while for the former, the company is definitely worth considering, although it is not the clear frontrunner in the car insurance market.

2. Can you make a Farmers insurance payment online?

Farmers offers an excellent online app and website in order to give customers easy access to several useful features. Any Farmers payments for auto, home, condo, renters, and a personal umbrella policy can be processed online. Your payment can quickly be completed if you just select the “Pay Bill” tab on the company’s website and then use your Farmers insurance login info to enter the system.

3. Does Farmers insurance have accident forgiveness?

Yes, Farmers provides this as an additional coverage option. If you choose this option, for every three years that you have been accident-free, Farmers will refrain from increasing your premium for one at-fault accident that you may have.

4. Which car insurance company is the cheapest?

We requested a Farmers auto insurance quote for three age categories, and we found that the company was not the cheapest in any particular category. For those looking for the most affordable rates possible, Progressive would be our first choice, while Geico would be the second.

5. What is Farmers Insurance A. M. Best rating?

The company has an A. M. Best rating of A or “Excellent,” which is the second-best rating possible. This indicates that there should be no worries that the company will have the money to pay claims, which is confirmed by many reliable Farmers insurance reviews.

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