Farmers Car Insurance Pricing 2024

The average cost from Farmers, the seventh-largest U.S. writer of passenger auto insurance¹, is $1,878 annually. Average premiums range from $1,524 to $2,912 for full coverage. Take a look at how prices could differ based on driver profiles:

• If you get the minimum coverage: You’ll pay around $1,394 annually, although minimum coverages vary by state, thus affecting the average rate. Typically, minimum coverage includes coverage for bodily injury liability and property damages.
• If you choose full coverage: With full coverage, your rates will increase to $2,183 a year.
• After a speeding ticket: If you’ve received a traffic infraction, expect to pay $2,363. A good driver with no history of tickets will have lower rates.
• After a DUI: Your rates will continue to rise for serious violations, to $2,673.
• For drivers younger than 18: Usually, the cost of car insurance for teens is higher than for other age groups due to teens’ driving inexperience. You may be expected to pay $4,331, on average, for full coverage auto insurance if you’re a parent who’s adding their teen driver younger than 18 to your policy.

Loss-of-Use Protection

If your car is getting repaired, Farmers will provide a flat sum to cover transportation costs while your vehicle is in the shop. This protection applies to reimbursement for 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
• Strong Financial Strength

Farmers has an A rating from AM Best, indicating excellent financial strength. Financial strength³ is important because it demonstrates an insurance company’s ability to pay your claims.

New-Car Replacement Coverage

With Farmers, 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.

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 only in 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.

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.