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Farmers Car Insurance Review for 2022

Farmers lands fifth in our survey and performs well in the areas of customer service and claims handling, but also has the second-highest auto insurance rates of the companies we rank.

Farmers Pros & Cons

Pros:

  • Ranks highly for positive claim experience
  • Strong scores for ease of opening a policy 
  • Strong customer service scores 

Cons:

  • Premium rates are higher than the national average
  • Below average customer loyalty scores

Is Farmers Car Insurance Good?

3.96 out of 5

Farmers is not the best option for an insurance policy for the average driver. Farmers car insurance ranked fifth out of the nine auto insurance providers we reviewed in our survey. Overall, Farmers customers are satisfied with their customer service and claims handling experiences, but that isn’t enough to place Farmers at or near the top of our ranking.

One common issue revealed in our rating and customer survey analysis is the cost of a policy with Farmers. When compared to national average rates as determined by our study, Farmers comes in eighth out of nine, making them one of the most expensive insurance providers in our rankings. Their rates are about 27% higher than the national average and 49% to 87% more expensive than the cheapest rates in our study.  

While ranking may vary based on driver demographics – age, credit history, driving history, etc. – Farmers rarely inches up past eighth place. One exception, however, is our study’s insurance rates for drivers with a DUI on their record. In this case, Farmers creeps up to sixth place, as Allstate, Geico, and Nationwide all have higher average rates for drivers with a DUI infraction. 

Farmers Customer Service

Our survey reveals that Farmers customers generally have a positive customer experience. A full 80% of Farmers policyholders who had never filed a claim give high customer satisfaction ratings. That number dips to 71% for drivers who have filed a claim. 

Overall, Farmers auto insurance still manages to rank highly for customer service, placing fourth out of the nine companies we analyzed. USAA leads the pack for customer service, followed by State Farm and Nationwide.

Farmers Claims Handling

Our recent survey revealed that Farmers customers generally had a positive customer experience. A full 80% of Farmer policyholders who had never filed a claim gave high customer satisfaction ratings. That number dipped to 71% for drivers who had filed an auto claim.  

Overall, Farmers auto insurance manages to rank highly for customer service, placing fourth out of the nine companies we analyzed. USAA leads the pack for customer service, followed by State Farm and Nationwide.

Farmers Customer Loyalty

Despite generally positive feedback regarding Farmers’ customer service and claims handling, this insurer ranks sixth out of nine for customer loyalty. Our survey finds that Farmers’ customer-first approach to claims handling increases loyalty among those who had filed a claim. 

Of customers who had not filed a claim, 57% said they were likely or very likely to recommend Farmers to someone looking for auto insurance, though 33% didn’t feel strongly one way or another. The number of customers who would recommend Farmers rises to 70% among customers who filed a claim. 

When asked if they would renew their policy with Farmers, 71% of those who filed a claim said it was likely or very likely that they’d renew their policy. Combined, these stats align with the positive claims handling feedback we received. 

Farmers Complaints

As is the case with any auto insurance company, Farmers customer complaints varied, with some specifying poor experiences with agents, communication, available discounts, and general customer service. However, one of the most prominent complaints was centered on premium rates. That sentiment aligns with our overall findings, which revealed Farmers as one of the most expensive car insurance policy providers in our study. 

The following are a sample of the rate-driven complaints submitted by respondents: 

  • “No substantial multiple car discounts.”
  • “Price and service are not helpful.”
  • “Found better prices elsewhere.”
  • “Too overpriced.”
  • “They were way overcharging.”

How Much Is Farmers Car Insurance?

When compared to national car insurance rates, Farmers has one of the highest rates among the companies included in our survey. On average, Farmers car insurance costs $1,635 a year. Compared to the national average of $1,321, that’s $314 more annually. 

While reviewing Farmers’ average rates, we also found that this company’s insurance premiums are typically high across the board, regardless of age, credit rating, annual mileage, and driving record. Drivers with a single DUI offense, however, may find Farmers to have lower rates than some of the other auto insurance companies in our study, specifically when compared to Allstate, Nationwide, and American Family Insurance. 

Even if Farmers’ rates are higher than the national average, if you’re shopping for car insurance, it may be worth it to get a free rates quote. Car insurance rates vary based on several factors, including your driving record, city or zip code, the type of car you drive, and your age and gender. As such, you may find that Farmers’ average rates are not representative of your individualized rate. 

Farmers Car Insurance for You

Farmers Rates for Teen Drivers

 17-YEAR-OLD FEMALE17-YEAR-OLD MALE
Farmers$6,689$7,160
National Average$4,515$5,140

Compared to other insurance companies included in our study, Farmers has the second-highest rates for teen drivers with rates as much as 48% higher than the national average. Our data suggests teen drivers can find rates lower than Farmers and the national average with USAAState Farm, or Geico

Farmers Rates for Young Adults

 25-YEAR-OLD FEMALE25-YEAR-OLD MALE
Farmers$1,834$1,927
National Average$1,487$1,554

Young adults shopping for car insurance may find Farmers insurance rates to be $347 to $373 more expensive than the national average. Geico and USAA tend to have the lowest rates for this demographic, though State Farm and Travelers also offer some of the cheapest rates for young adults. 

Farmers Rates for Seniors

 60-YEAR-OLD FEMALE60-YEAR-OLD MALE
Farmers$1,415$1,495
National Average$1,149$1,182

Compared to other age-based groups, seniors have some of the lowest rates in our survey, but Farmers’ average rates for seniors are the second-highest among companies in our sutudy.

Farmers Rates for Drivers With Poor Credit

 GOODFAIRPOOR
Farmers$1,632$1,877$2,522
National Average$1,311$1,569$2,227

All of the auto insurance companies we studied have higher rates for drivers with poor credit, but Farmers offers the third-most-expensive rates for this group. After USAA, Geico and Nationwide offer the lowest rates for drivers with poor credit.

Farmers Rates for Good Drivers

 AVERAGE RATE FOR GOOD DRIVERS
Farmers$1,635
National Average$1,321

Farmers, like other auto insurers in our study, offers good drivers lower rates; however even with a good driving record, drivers pay about 24% more for a Farmers policy when compared to the national average.

Farmers Rates After a Speeding Ticket

 AVERAGE RATE WITH ONE SPEEDING TICKET
Farmers$2,047
National Average$1,604

Compared to the other companies in our study, Farmers has the highest rates for drivers with a single speeding ticket.

Farmers Rates After an Accident

 AVERAGE RATE WITH ONE ACCIDENT 
Farmers$2,410
National Average$1,872

Farmers frequently has some of the highest average rates in our study, and there is no exception for drivers in this group. With a single accident factored in, Farmers’ rates are nearly 29% more than the national average and over $1,000 more than State Farm, which has the lowest rates next to USAA. 

Farmers Rates After a DUI

 AVERAGE RATE WITH ONE DUI
Farmers$2,285
National Average$2,112

Farmers typically has some of the most expensive rates in our survey, but that’s not the case for a DUI. Farmers’ average rates for this group are lower than three other insurers on our list. Still, their rates are nearly 46% more than State Farm’s rates, which are the least expensive in our survey. 

How Much Is High Coverage Car Insurance With Farmers?

 AVERAGE RATE FOR HIGH COVERAGE
Farmers$1,759
National Average$1,397

A high coverage auto insurance policy with Farmers is just over 25% more than the national average, and only marginally cheaper than Allstate, which has the most expensive rates for full coverage. Our study suggests that drivers looking for full coverage may find significantly lower rates with USAA, Geico, or State Farm. 

How Much Is Minimum Coverage Car Insurance With Farmers?

 AVERAGE RATE FOR MINIMUM COVERAGE
Farmers$1,521
National Average$1,248

Minimum coverage auto insurance may seem like the cheapest option, but some drivers may find that a minimum coverage policy with Farmers is still more expensive than a higher level of coverage with other companies in our study.

Farmers Car Insurance Discounts

Farmers offer many of the same discounts as their competitors, including discounts for student drivers, safe drivers, and drivers who sign up for and use Signal, Farmers’ safe driving app program. Some drivers may also be eligible for policy savings based on their employer, professional memberships, or military status. 

Existing Farmers auto insurance customers are generally pleased with their access to discounts, with about 60% responding that they were satisfied or very satisfied with available discounts. That said, other companies in our survey had higher discount satisfaction ratings when compared to Farmers. It’s also worth noting that Farmers does not currently offer a loyalty discount, which may be disappointing to customers who want credit for remaining with the same company over time. 

  • Affinity: Savings for members and employees of specific businesses, professional associations, or occupational groups.
  • Bundling/Multiline: Savings for drivers who bundle auto insurance with other eligible Farmers’insurance products.
  • Military (Affinity): Savings for active, retired, and honorably discharged military members.
  • Driver Tracking: Drivers who opt into the Signal tracking program can receive an initial 5% discount, an additional 15% discount for safe driving, and an additional 10% when policyholders enroll eligible drivers under 25.
  • Distant Student: Savings for students who are on the policy, attend school 100 or more miles away, and do not regularly access covered vehicles on the policy. 
  • EFT/ePolicy: Discount for policyholders who choose auto payments and/or enroll in paperless billing.
  • Good Payer: Available to customers who do not have billing late fees within the prior 12 months.
  • Good Student: Discounts for students with demonstrated strong academic performance.
  • Homeowner: Discount for homeowners, even if they don’t use Farmers for home insurance. 
  • Pay In Full: Discount for drivers who pay an entire policy term in full.
  • Safe Driver: Savings for drivers with good driving records.
  • Safety and Anti-Theft Equipment: Various discounts for vehicles equipped with features such as anti-lock brakes, certain anti-theft equipment, daytime running lights, passive restraints, and VIN etching.
  • Shared Family Car: Savings for households that include a single driver 20 years or younger and more active drivers than vehicles in the home.
  • Youthful Drivers: Potential savings for drivers under the age of 25 who have older family members on a Farmers policy. 
  • On Your Own: Discount for policyholders under 29 who are active drivers on an existing Farmers policy and exiting that household and entering into a new one. 

Farmers auto insurance discounts may vary in amount and availability based on where you live and the type of policy you have. If you’re considering Farmers insurance, be sure to speak with an agent about what discounts may apply to you or other drivers on your policy. 

What Types of Car Insurance Does Farmers Offer?

Farmers offers all the most common auto insurance coverage options. Drivers also choose from many other Farmers auto insurance policy and add-on options.

  • Liability
  • Collision
  • Comprehensive
  • Uninsured/Underinsured Motorist
  • Medical Payments
  • Personal Injury Protection (PIP)
  • Towing and Roadside Service
  • Rental Car Reimbursements
  • Rideshare
  • Loss of Use
  • Guaranteed Value
  • Customized Equipment
  • Personal Umbrella
  • Glass Deductible Buyback
  • Full Windshield and Glass Coverage
  • Spare Parts Coverage
  • Original Equipment Manufacturer (OEM) Parts Coverage
  • New Car Replacement Coverage
  • Accident Forgiveness

Other Services Offered by Farmers

  • Mobile app
  • Signal app for safe driving discounts
  • Online quotes
  • Online claim filing
  • Online customer portal for payments and policy information
  • Emergency roadside assistance
  • Farmers Marketplace for discounts with Farmers partners
  • Guaranteed Repair Program for accident repairs when you use a repair facility in Farmers’ network

Other Insurance From Farmers

  • Homeowners
  • Condo
  • Renters
  • Mobile & Manufactured Home
  • Vacation Home
  • Landlord
  • Earthquake
  • Flood
  • Motorcycle
  • Boat & Watercraft
  • Collectible Auto
  • RV & Motorhome
  • ATV & Offroad
  • 5th Wheel
  • Travel Trailer
  • Life Insurance
  • Business Insurance

FAQ

Where do I buy Farmers car insurance?

Farmers customers can purchase an auto insurance policy online, over the phone, or in person if there’s an agent office in your area. 

How does Farmers compare to other car insurance companies?

Farmers has strong claims handling and customer service ratings, but according to our study, Farmers auto policies are typically more expensive than the other companies we rank.

Who should get Farmers car insurance?

Farmers car insurance is among the most expensive we found, and that’s true for most demographics. Some drivers who need coverage after a DUI may find that Farmers insurance is cheaper than some competitors, but generally more expensive than most of the companies in our survey.  

How do I contact Farmers?

  • Website: www.farmers.com
  • Mailing address: 6301 Owensmouth Avenue, Woodland Hills, CA 91367
  • Customer service phone number: 1-888-327-6335
  • Customer service email address:
  • Twitter: @WeAreFarmers

How We Found the Best Car Insurance Companies

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our rankings in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings.

We surveyed 4,806 consumers who filed a car insurance claim or started a new auto insurance policy in the last five years, asking questions about their car insurance company. Of the survey respondents, 70 filed a claim with Farmers and 91 started a policy with Farmers. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. In general, questions for consumers who have filed a claim were given more weight than questions for consumers who have only opened a policy.

We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies Rankings, as well as our sub-rankings: Best Car Insurance Companies – Customer Service, Best Car Insurance Companies – Claims Handling, and Best Car Insurance Companies – Customer Loyalty, and this company profile.

Our Study Rates

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from most of the largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 17, 25, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes.

To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 12,000 miles per year and have medium coverage, good credit, and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

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