Farmers Auto Insurance Review (2024)

While Farmers is not generally the cheapest car insurance company in most states, Farmers insurance rates are very competitive. Our Farmers auto insurance review reveals that the company has received an A (Excellent) financial rating from A.M. Best. Aside from car insurance, Farmers Insurance Group offers life and home insurance options.

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Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

Kalyn Johnson

Insurance Claims Support & Sr. Adjuster

Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...

Insurance Claims Support & Sr. Adjuster

UPDATED: Aug 26, 2024

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Farmers Insurance Group, also known simply as Farmers, is a California-based insurance company with nearly a century of experience insuring drivers across the United States. Today, Farmers is a subsidiary of Swiss conglomerate Zurich Insurance Group. The company earned $12.5 billion in revenue in 2016 while employing over 13,000 people across the country.

Are you ready to get better insurance rates on your insurance products? Compare Farmers auto insurance quotes with our free tool above. Just enter your ZIP code to get started.

What is the history of Farmers?

Farmers Insurance Group was founded by two men, John C. Tyler and Thomas E. Leavey, who believed that farmers and ranchers should pay lower insurance premiums than urban drivers because they were safer drivers. In 1928, the two entrepreneurs opened Farmers Automobile Inter-Insurance Exchange in downtown Los Angeles, California.

The two men would continue running the company well in the 1970s. Tyler died in 1973, with Leavey taking over as CEO until his retirement in 1978. The company faced significant financial challenges throughout the late 1980s and early 1990s, when three separate large-scale disasters rocked California, including the 1989 San Francisco earthquake, the 1991 Oakland fire, and the 1994 Northridge, California earthquake.

Read more: Does my auto insurance cover damage caused by an earthquake?

In 2000, Farmers was reorganized to become one of three core business segments underneath Zurich Insurance Group (along with General Insurance and Global Life). Today, Zurich Insurance Group is the largest insurance company in Switzerland and the 91st largest public company in the world. Farmers is headquartered in Woodland Hills, California.

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What are Farmers insurance reviews and ratings?

Farmers insurance rankings are higher than virtually any other car insurance company in the United States. In 2018, Farmers earned a rating of 4/5 from J.D. Power for overall satisfaction. Only Erie Insurance, USAA, and Amica Mutual earned better scores, collecting perfect 5/5 ratings. Geico, Nationwide, State Farm, Allstate, Esurance, Progressive, and others were all rated 3/5 for overall satisfaction.

Farmers score from J.D. Power included scores of 3/5 for first notice of loss (FNOL) along with scores of 4/5 for estimation process, repair process, rental experience, claims servicing, and settlement.

We also rate insurance companies based on their financial stability. In February 2019, AM Best affirmed the financial strength rating (FSR) of “A” or “Excellent” for Farmers Insurance Group. That’s slightly lower than the A+ and A++ scores achieved by certain other insurance companies (including Geico), although it’s in line with many other major insurance companies. Overall, it means Farmers should have no trouble covering its liabilities.

Overall, Farmers had fewer customer complaints than the average compared to other car insurance companies. For customers who want to bundle other insurance policies, Farmers also had lower rates of complaints for home and life insurance customers.

Read more: What Are the Best Insurance Companies for Bundling Home and Auto Insurance?

What makes Farmers unique?

Some of the characteristics that make Farmers Insurance unique include:

Home, Life, and Car Insurance: Farmers offers more than just car insurance. The company also has popular life and home insurance coverage options. For customers looking to bundle insurance policies, Farmers may be a great option.

Strong Claims Satisfaction Ratings: Farmers isn’t always the most affordable auto insurance option countrywide. However, the company has some of the highest ratings in terms of claims satisfaction and overall satisfaction, training only Erie, USAA, and Amica Mutual, which all received perfect 5/5 scores in the latest J.D. Power rankings. With a score of 4/5, Farmers is one point ahead of some of the country’s largest insurers, including Geico and State Farm.

Mobile App: Farmers has a mobile app where you can pay your insurance bill, update payment options, view your agent’s contact information, check policy details, and access digital insurance ID cards when you need proof of insurance.

Website: The Farmers Insurance website makes it easy to connect with an agent, get Farmers car insurance quotes, report a claim, or check on the status of an auto insurance claim.

Read more: How do I file an auto insurance claim with Farmers?

Is Farmers a good insurance company?

Farmers Insurance is America’s fifth-largest car insurance company. Rates vary widely across the country. While Farmers is not generally the cheapest car insurance provider in most states, the company’s rates are very competitive with other providers, especially considering the value customers get from their policies. It’s also important to note that Farmers has very strong rates for claims satisfaction, beating all but four of its competitors on the latest J.D. Power rankings from 2018 in terms of claims satisfaction and overall satisfaction.

Farmers also has many of the same coverage options and features you would expect from a major insurance company, including a well-designed mobile app, easy website access, and other helpful features.

Overall, Farmers Insurance is a popular, well-respected, and well-rated car insurance company serving customers in all 50 states.

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What are Farmers auto insurance policies and products?

Key features of Farmers auto insurance policies and products include:

Accident Forgiveness: Farmers accident forgiveness allows the company to forgive one accident, which means your rate will not increase if you have gone without an accident for at least three years.

Loss of Use: Farmers will give you rental reimbursements not just for rental cars, but also for cabs or public transit costs if your vehicle cannot be used while it’s in the shop for repairs.

New Car Replacement: If your new car is totaled within the first two model years or 24,000 miles of ownership, then Farmers will pay to replace your vehicle with a new one.

Customized Equipment Coverage: Farmers can expand your policy to cover customized equipment like chrome rims or a new stereo system. Learn more about auto insurance for a custom car.

Original Equipment Manufacturer (OEM) Coverage: You can opt into OEM coverage on your Farmers insurance policy, which means your car will be repaired with parts from the car’s manufacturer instead of aftermarket parts (which are cheaper). To qualify, your car must be within 10 model years of the present day.

Rideshare Insurance: Like all other major insurance providers, Farmers has grown to provide rideshare insurance. Drivers who work for Uber or Lyft can add Farmers rideshare insurance to their policies to cover gaps in coverage.

Of course, Farmers offers the traditional types of car insurance coverage like liability coverage (property damage and personal injury), collision, comprehensive coverage, underinsured/ underinsured motorists coverage, and so many more policy options. They also offer roadside assistance coverage, GAP coverage, and plenty of options for your policy management needs.

Read more: How To Cancel Farmers Auto Insurance in 5 Steps

What is our final word?

Farmers Insurance is one of the best auto insurance companies in the United States. The company is known for offering value-packed policies with high rates of claims satisfaction and overall satisfaction. Although Farmers may not be the cheapest option in most states, customers can access unique bundling opportunities by buying life or home insurance through Farmers as well.

What is Farmers company information?

Parent Company:
Zurich Financial Services

Insurance subsidiaries:
21st Century
Foremost Insurance Group

Lines of Insurance
Vehicle Coverage: Auto/Truck/SUV, Antique/Classic, RV and Travel Trailers, ATV, PWC
Other Coverages: Homeowners, Renters, Specialty Home, Life, Travel, Business

Read more: Does auto insurance cover trailers?

Auto Insurance Coverages Options:

Read more: How does the auto insurance claims process differ for uninsured/underinsured motorist coverage with Farmers?

Licensed to sell insurance in:
AL AK AZ AR CA CO CT DE DC FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

A.M. Best Company Rating: A
(Rating Explained)

Are you ready to get cheap car insurance coverage? The best way to do that is to compare rates. Enter your ZIP code to get started today.

Reviews
for Farmers Insurance Group

3.99 (2,903 reviews)
1
February 15, 2024

Traci26

Unhappy after buy out

They took over/bought out Met Life which had my policy prior, I'd signed up for the Met Life policy because of the discount offered because of my work. I was happy with Met Life and since it switched to Farmers it's been a pain to deal with them, especially on the billing side of things. The thing that made me switch is that when I tried to make a payment the website (which was always horrible and difficult to navigate) was working so I couldn't ...
They took over/bought out Met Life which had my policy prior, I'd signed up for the Met Life policy because of the discount offered because of my work. I was happy with Met Life and since it switched to Farmers it's been a pain to deal with them, especially on the billing side of things. The thing that made me switch is that when I tried to make a payment the website (which was always horrible and difficult to navigate) was working so I couldn't make a payment. I planned to check it the next day and make a payment but I got busy and it slipped my mind, they sent a policy cancellation notice, but I didn't get it in the mail until after the cancellation date. When I called customer service the person was rude and unhelpful so I decided to use it as an excuse to change.
5
June 28, 2023

Buckeye_in_FL

2 Claims/2 Repairs & no hassles

We've had auto insurance with FIG for nearly 2 years and have had 2 claims during that period, one on each of our vehicles. Our daughter was using the SUV to attend graduate school in another state when another student clipped the left rear cover and quarter. Her insurance company failed to deal directly with our daughter and consequently, we were inundated with calls and mailings. We reported the claim to FIG and they contacted our daughter, set...
We've had auto insurance with FIG for nearly 2 years and have had 2 claims during that period, one on each of our vehicles. Our daughter was using the SUV to attend graduate school in another state when another student clipped the left rear cover and quarter. Her insurance company failed to deal directly with our daughter and consequently, we were inundated with calls and mailings. We reported the claim to FIG and they contacted our daughter, set up a DRP & rental for her. They took care of everything including subrogation. They did the same for our second vehicle when a truck shredded a tire in front of us, damaging the front cover. Dropped at the DRP and 3 days later we had it back, good as new. Thank you Farmers & The Harrod Agency for taking care of us.
1
May 19, 2021

Mickey_L

Farmers agent poor customer service

Despite my belief that I had a “local guy” I found that Farmers insurance agents have little interest in responding to current customers. I presume they are busy on sales calls. Despite the fact that I was a Farmers customer for 30+ years, I was unable to get my agent to return my calls on MULTIPLE occasions. When I ultimately gave up and cancelled my policy, it took three different forms of communication to get that done and only AFTER Farme...
Despite my belief that I had a “local guy” I found that Farmers insurance agents have little interest in responding to current customers. I presume they are busy on sales calls. Despite the fact that I was a Farmers customer for 30+ years, I was unable to get my agent to return my calls on MULTIPLE occasions. When I ultimately gave up and cancelled my policy, it took three different forms of communication to get that done and only AFTER Farmers advised they would be auto-charging my credit card for a policy cancelled 6 weeks prior. Stay away. You’re not getting anything ‘extra’ from having a local agent. You’re only being charged more.
4
January 16, 2021

slou117

Decent insurance coverage

They covered damage repairs to my car fairly easily although my rates increased significantly. Also, there were some issue with the rep handling my case not being responsive, but the issue was escalated and the person who stepped in was very helpful.
4
January 12, 2021

Mamasanders

Farmers Insurance - Consistently Reliable

I have had a very positive experience with Farmers for both my home and auto insurance. I can always reach my agent, and when I had a concern about an auto claim, I dialed an 800 number and they were incredibly nice and helpful.
4
January 8, 2021

emmahenry

Best Insurance company ever

I like this insurance company. I gathered a good experience from this company. Thanks for being with us.
1
January 5, 2021

treppers

Worst insurance company i've ever dealt with in my life!

I was involved in a wreck that caused significant damage to the side and front of my vehicle. I was not at fault, I was hit on the side traveling on the freeway. I was going straight and not making any changes in my direction. The other driver lost control and smacked into me, causing me to completely spin 4 times. There was damage caused to the front of the vehicle by road debri. When trying to get the front of the vehicle fixed, the adjuster ca...
I was involved in a wreck that caused significant damage to the side and front of my vehicle. I was not at fault, I was hit on the side traveling on the freeway. I was going straight and not making any changes in my direction. The other driver lost control and smacked into me, causing me to completely spin 4 times. There was damage caused to the front of the vehicle by road debri. When trying to get the front of the vehicle fixed, the adjuster called me a liar and said the damage was pre-existing. This is the worst company I have ever dealt with and I will never go back.
5
December 9, 2020

Tywko

Best insurance company

Great company and great people are working there. I think no one can beat their service and price now.
5
December 1, 2020

samw2

the best

A great company and the speed of the response of its customers is wonderful when the accident occurs. I thank them for their great work and the reliability of their wonderful service.
4
November 26, 2020

E92ghost

Farmers, all in one

The company is a well renowned company which has built its way up to where it is now the prices are a bit high but it’s worth it
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