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Published: April 30, 2019Last updated: November 22, 2022

Farmers Car Insurance Pricing 2022

What you can expect to pay for coverage from Farmers

As one of the largest nationwide insurance companies, Farmers offers plenty of policy options to meet your needs. It provides numerous coverage options, making it the perfect choice for policyholders who want highly personalized plans. Read on to discover all you need to know about notable features and policy costs with Farmers Insurance.

Car Insurance Rates for Farmers Insurance Coverage

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.

CheckFYI

In every state except Massachusetts, Michigan, California, and Hawaii, someone with good credit will pay less than someone with bad credit.

Discounts with Farmers

Discount type Discount qualification
Multiline If you have a Farmers auto policy plus at least one other Farmers policy, such as home, umbrella, small business, specialty, or life insurance
Multicar If you have more than one car on your Farmers auto policy
Signal If you use the Signal app to monitor your driving behaviors, such as braking habits, phone use, and speed
Affinity If you are a member, employee, or retiree of qualifying occupational groups or professional associations, such as the military
E-policy If you enroll in an e-policy to receive paperless statements
Safe driver If you don’t have any points on your license
Distant student If a child on your policy goes to school at least 100 miles away from your home
Youthful driver If you include your child or grandchild driver under 25 on your policy
Good student If a young driver on your policy has a 3.0 or better GPA, is on the dean’s list or honor roll, is in the top 20% of their class, or is in the top 20% in standardized testing
Homeowner If you own a home
EFT If you set up automatic monthly payments
Pay in full If you pay your premium in full at the start of your policy term
Homing device If you install a system to track and locate your car if it’s stolen2

Favorite Features

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.

CheckNOTE

If your car isn’t entirely totaled, Farmers offers customized equipment and original equipment manufacturer coverage for repairs and part replacements. You can ask a Farmers agent to include these coverages as an add-on to your policy.

Where Is Farmers Insurance Available?

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.

Cancellation Policy

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.

Company Background

  • 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.

Agent directory

Contact method Customer service Quote Claims Payments Farmers GroupSelect auto & home customers
Phone 1-888-327-6335

Monday through Friday from 8 a.m. to 12 a.m. ET and 9 a.m. to 9 p.m. ET on weekends

1-888-327-6335

Monday through Friday from 8 a.m. to 12 a.m. ET and 9 a.m. to 9 p.m. ET on weekends

1-800-435-7764

Spanish:

1-877-732-5266

24/7

Personal payments:

1-888-327-6335

Commercial payments: 1-855-323-5350

24/7

1-800-422-4272

Monday through Friday from 8 a.m. to 11 p.m. ET, Saturday from 9 a.m. to 5:30 p.m. ET, and Sunday from 12 to 4 p.m. ET

1-888-327-6335

Monday through Friday from 8 a.m. to 12 a.m. ET and

9 a.m. to 9 p.m. ET on weekends

Website www.farmers.com/css/login www.farmers.com www.farmers.com/claims/ www.farmers.com/payments/ www.farmers.com/groupselect/auto-insurance/ agents.farmers.com
Mail 6301 Owensmouth Avenue

Woodland Hills, CA 91367

N/A N/A Personal payments:

P.O. Box 0991

Carol Stream, IL 60132-0991

Commercial payments:

P.O. Box 4665

Carol Stream, IL 60197-4665

N/A N/A

Conclusion

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.

Frequently Asked Questions

Does Farmers offer gap insurance?

No, Farmers does not offer gap insurance. Gap insurance covers the difference between what you owe on your car and its value in the event of a total loss.

Will Farmers auto insurance cover me when I'm driving for a ride-share service?

Yes, Farmers Insurance protects against losses if you drive for a ride-share service such as Uber or Lyft. Ask your agent about including ride-share insurance as additional coverage.

Can I receive accident forgiveness with Farmers Insurance?

Yes, Farmers offers accident forgiveness. If you haven’t had an accident in the past three years, Farmers will forgive your first at-fault accident. This additional coverage will keep your premiums from rising because of one car accident.

Is there a mobile app for Farmers Insurance?

Yes, Farmers offers a mobile app for both iOS and Android. In the app, you can do the following:

  • Make payments and manage bills.
  • View proof of insurance and policy documents to see your current car insurance coverage.
  • File a claim.
  • Check the status of insurance claims.
  • Request roadside assistance.
  • Get a quote.
  • Reach your agent.

Citations

  1. Facts + Statistics: Insurance company rankings III. (2021).
    https://www.iii.org/fact-statistic/facts-statistics-insurance-company-rankings

  2. Available Insurance Discounts Farmers Insurance. (2022).
    https://www.farmers.com/discounts/

  3. AM Best Affirms Credit Ratings of Members of Farmers Insurance Group AM Best. (2022).
    https://news.ambest.com/PressContent.aspx?altsrc=2&refnum=32168