Farmers Auto Insurance Reviews

Who It’s Best For / Not For

Who Farmers Is Best For:

• Homeowners or renters who can benefit from bundling policies combined with their auto coverage

• Those who prefer having personalized assistance from local agents

• Customers seeking specialized vehicle coverage

• Drivers interested in using telematics discounts to potentially reduce premium costs

Who Should Consider Other Options

• Drivers seeking the lowest standalone premiums

• Customers who prioritize consistently strong claims satisfaction review scores

• People who don't qualify for valuable discounts

• Drivers living outside Farmers' available markets

Key Facts

Farmers Auto Insurance Reviews: Editorial Rating

Trusted Company Reviews Rating Score for Farmers: 7.6

Farmers earns a 7.6 review score based on our strict evaluation criteria and its extensive coverage options, accessibility, and discounts. Its many optional protections and local agent network generally appeal to drivers who want or need highly personalized automobile coverage.

However, higher standalone premiums and inconsistent customer satisfaction results prevent Farmers from earning a higher overall rating.

The weighted scores produce an overall Farmers Insurance rating of 7.6 out of a possible 10.

What Makes Farmers Different?

Farmers stands out for its coverage customization, local agent service, and opportunities to combine insurance policies. Its home and auto bundling discounts are especially relevant for customers who might otherwise find its standalone premiums expensive. The company earns our highest rating among competitors in our home and auto insurance bundling overview. 

Farmers Home and Auto Bundling

Farmers offers multi-policy discounts for customers able to combine their auto and homeowners insurance policies.

• Potential savings: Farmers advertises savings of 10% or more on qualifying home and auto bundles.

• Eligible policies: Homeowners and auto insurance are the primary combination, while other multi-policy opportunities and options are also available.

• Additional discounts: Safe-driving, vehicle, and payment discounts may provide further savings.

• Availability: Discount amounts and eligibility vary by state.

Farmers Signal: Information

Farmers' Signal program uses a smartphone app to monitor driving habits and determine potential insurance discounts.

• Enrollment savings: Customers eligible for the Signal program may receive an initial participation discount.

• Additional discounts: Safe driving attributes can qualify participants for further savings.

• Driving information: Signal evaluates driving behaviors associated with accident risk.

• Availability: Program rules and discounts vary by state.

Features and Benefits

Farmers offers a large selection of standard and optional auto insurance coverage, allowing customers to customize policies around their vehicles and financial needs.

• Standard coverage: Liability, collision, comprehensive, uninsured/underinsured motorist, and applicable medical payments or personal injury protection.

• New car replacement: Helps replace qualifying newer vehicles declared a total loss.

• Accident forgiveness: May prevent certain qualifying accidents from increasing premiums.

• Rideshare coverage: Helps address insurance gaps for qualifying rideshare drivers.

• Customized equipment coverage: Protects eligible permanently installed aftermarket equipment.

• Original equipment manufacturer parts coverage: May cover qualifying original manufacturer replacement parts.

• Gap or residual debt coverage: Helps cover certain outstanding loan or lease balances following a covered total loss.

• Additional benefits: Roadside assistance, rental reimbursement, and digital policy-management tools.

Farmers also offers discounts for bundling, multiple vehicles, safe driving, good students, automatic payments, and qualifying employer or affinity programs. However, availability varies by state.

Pricing & Value

Current rate studies we reviewed generally place Farmers' full-coverage auto insurance premiums between $3,100 and $4,100 annually, or approximately $260 to $340 per month, for sample drivers. These rates tend to be higher than the national average. However, actual premiums can vary significantly based on location, age, vehicle, driving history, coverage selections, deductibles, and credit-based insurance information where permitted.

Bundling home and auto policies through Farmers can help offset some of its higher standalone premiums. The company advertises savings of 10% or more when bundling, and additional discounts may be available. 

Is Farmers Worth the Price?

Farmers can be worth the price for drivers looking for extensive coverage options and personalized service through its agent network. While its pricing score for standalone auto coverage premiums in our evaluation hurts its overall rating, its scores for coverage, accessibility, and available discounts highlight the company's strengths.

That said, combining auto and homeowners insurance may improve overall value. 

Farmers Auto Insurance Reviews: Customer Reviews

Farmers' customer satisfaction results vary by region. Some policyholders appreciate personalized agent service and coverage flexibility, while others report problems involving premiums, claims decisions, and communication.

In J.D. Power's U.S. Auto Insurance Study, Farmers performed above average in some regions but below average in several others. Its claims satisfaction results have also varied between independent studies. The company earns an A- rating at the Better Business Bureau and a 1.2-star rating on Trustpilot when considering the company's overall insurance offerings. 

Common Complaints

Customer complaints commonly involve:

• Premium increases and renewal pricing

• Claims handling and settlement disagreements

• Delayed communication or claim resolution

• Billing, cancellation, and refund issues

• Differences in service between agents or locations

Farmers Alternatives

Farmers offers extensive coverage and personalized service, but drivers prioritizing lower premiums or stronger claims satisfaction should compare alternatives in our overview of the best auto insurance providers.

• Travelers offers competitive pricing, broad coverage, and optional protections.

• GEICO emphasizes affordable premiums, extensive discounts, and digital convenience.

• Nationwide offers broad coverage, usage-based discounts, and pay-per-mile insurance.

• State Farm combines personalized agent service with strong digital tools.

• Progressive offers competitive pricing, numerous discounts, and flexible coverage.

• Amica emphasizes customer satisfaction, claims service, and dividend-policy options.

Farmers Information and Data

Should You Choose Farmers?

Farmers makes the most sense for drivers seeking customized coverage, personalized agent service, and opportunities to save through multiple policies. However, its higher standalone auto coverage premiums mean it won't offer the best value for everyone.

• Consider Farmers if: You want specialized coverage, local agent support, or home and auto bundling opportunities.

• Probably not if: Your priority is the lowest standalone premium.