Will my insurance premium increase if I file an auto insurance claim with Farmers? (2026)

Even if you’re a careful driver, you could eventually be involved in an accident. If you caused the accident, your Farmers policy will cover the damage. Knowing how to negotiate with Farmers can help you get more compensation for your auto insurance claim. (Read More: Farmers Auto Insurance Review)

If needed, you can get affordable instant auto insurance quotes from other companies and let Farmers know that you’re thinking about a new policy. 

In this article, we’ll discuss whether your premium will increase if you file an insurance claim with Farmers and look at your coverage options.

How a Farmers Claim Can Affect Your Insurance Rates

Filing an auto insurance claim with Farmers often raises your insurance rates because it means you had an accident that was at least partially your fault. However, if you use comprehensive coverage for repairs after a tree hits your vehicle during a storm, after hail damage, or after similar issues, your rates usually won’t go up.

The company also offers a good driver auto insurance discount for anyone who had no at-fault accidents or traffic citations in the last 36 months. If you get a traffic ticket, you could lose the good driver discount, and your insurance rates could increase.

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How to Decide if a Farmers Insurance Claim Is Worth It

In most parts of the United States, drivers must have liability auto insurance coverage to pay for damage or injuries to other people involved in an accident, but it doesn’t cover damage to your vehicle. If you only have liability insurance and no one else was involved in an accident, there’s no reason to report the damage to your insurance company. People driving older vehicles that aren’t worth much often choose this type of auto insurance coverage. 

If you have full coverage, you can get payment for repairs or a replacement vehicle. However, you’ll still have to pay your policy’s deductible. Making a claim may not be worth it if it’s not much more than your deductible, especially considering the fact that your rates may go up later. After an accident, you can save on towing with affordable roadside assistance coverage. 

Understanding When Your Premium Could Increase Because of an Auto Insurance Claim With Farmers

Understanding when your auto insurance rate might increase and how insurers calculate your auto insurance rate can help you decide whether you should file an auto insurance claim. 

There’s no rate increase for natural disasters or other types of damage covered by comprehensive auto insurance. However, rates can increase after a hit-and-run accident, even when you have uninsured/underinsured motorist coverage. 

Comparing quotes and searching for affordable full coverage auto insurance can help you keep your rates low after an accident.