Farmers Car Insurance Pricing 2026

The average cost from Farmers, the ninth-largest U.S. writer of passenger auto insurance¹, is $3,023 annually for full coverage. Exactly how much you pay depends on a number of factors, like your chosen coverage levels, age, location, driving history, credit, and more.

Farmers offers numerous discounts you can utilize to save on auto premiums. Contact a Farmers agent to find out which may apply to you.

Farmers is known for its large variety of optional add-ons. Here are a few that policyholders find useful³.

Loss-of-Use Protection

If your car is getting repaired or is a total loss, Farmers will provide a flat sum up to your specified limit to cover transportation costs. This reimbursement applies to cabs, public transit, rideshares, or rental cars as part of collision or comprehensive coverage.

Roadside Assistance

Farmers offers roadside assistance as an optional policy add-on. This 24/7 protection covers the following:

• Locksmith services
• Flat-tire assistance
• Towing services
• Emergency connection
• Roadside repairs

New-Car Replacement Coverage

With this coverage, you won’t have to worry about getting a new vehicle if your car is totaled. Farmers will cover the cost of replacing your vehicle with a new one of the same make and model as long as your car meets these criteria:

• It is within the two most recent model years.
• It has fewer than 24,000 miles on it.

Gap Insurance

If your car is totaled in an accident or stolen, gap insurance pays the difference between what you still owe on your car and its actual cash value at the time of loss. Farmers will pay up to 25 percent of the car’s value under this coverage.

Farmers provides auto insurance in 42 states. It’s not available in these locations:

• Alaska
• Delaware
• Hawaii
• Maine
• New Hampshire
• Rhode Island
• Vermont
• West Virginia
• Washington, D.C.

You can also purchase home insurance in all of the states where Farmers car insurance is available, except in South Carolina. Renters insurance is available in 38 states, including Arizona, Arkansas, Indiana, Iowa, Kansas, and North Carolina.

To end your policy with Farmers Insurance, you can cancel via these methods:

• By phone: Dial customer service at 1-888-327-6335.
• By mail: Sign, date, and mail your letter to this address:
  • Farmers Customer Service
    6301 Owensmouth Avenue
    Woodland Hills, CA 91367
• In person: Visit agents.farmers.com to find the office closest to you.

When you cancel your policy, you must provide basic information about yourself. Make sure you have your policy number, the date you wish to cancel, and new policy details on hand before you contact Farmers.

• 1928: Farmers began as a one-room office in Los Angeles.
• 1930s: Farmers became one of the first car insurance companies to offer comprehensive coverage.
• 1953: Farmers acquired The New World Life Company of Seattle.
• 1960s: Farmers started offering monthly payment plans with zero interest and uninsured motorist coverage.
• 1980s: British American Tobacco Co. acquired Farmers.
• 1990s: Zurich Financial Services acquired Farmers.
• 2000s: Farmers launched its first Mobile Catastrophe fleet to serve communities affected by natural disasters.
• 2014: Farmers became one of the first major insurers to offer rideshare coverage for drivers working with companies like Uber and Lyft.
• 2009: Farmers acquired 21st Century Insurance, significantly expanding its auto insurance market share and direct-to-consumer capabilities.
• 2019: Farmers acquired MetLife’s property and casualty business for $3.94 billion, further strengthening its position in the personal lines insurance market, including auto insurance.

From rental reimbursement to new-car replacement, Farmers has the coverage to get you back on the road as quickly as possible. You should always shop around to find the best insurance prices for the coverage that meets your protection needs. Check out our full Farmers Insurance review to learn more about the company’s products.