Here is the complete auto insurance review of Farmers’ rates, discounts, and policies.
Farmers has served more than 10 million households and nearly 20 million individual customers in its almost 100-year existence. It’s the ninth-largest provider in the country, offering coverage for auto, property, life, and businesses, among others. With several discounts, robust full coverage, and niche insurance plans like specialized commercial auto insurance for contractors, Farmers provides a thorough set of options that apply to several types of drivers.
Farmers is one of the largest, oldest, and most reliable providers in the country. Its average annual rate is $1,878, lower than the annual average of approximately $2,000. Whether you’re looking for basic auto insurance coverage, specialized coverage for construction vehicles, rideshare coverage, or coverage for your sports vehicles, Farmers has a plan for you.
Excellent J.D. Power Customer Satisfaction Index rating: J.D. Power gave Farmers an 862 out of 1,000, which is the second-highest rating out of all large auto insurance providers.
Excellent commercial auto options: Farmers offers excellent policies for various commercial auto needs, including food trucks and contractors. Its commercial auto packages allow you to increase limits on food spoilage, equipment breakdowns, and construction vehicle costs.
Excellent customer service rating: The National Association of Insurance Commissioners scored Farmers a 0.73 on its Customer Complaint Index, which means customers complain to Farmers at significantly lower rates than to competitors.1
Robust custom-parts coverage: If you enjoy personalizing your car with custom parts, Farmers has unique coverage options for custom wheels, spare parts coverage, and infotainment systems.
Limited availability: Farmers does not offer coverage in every state. People living in the following states/district must look elsewhere for their auto insurance needs:
No gap insurance: Gap insurance will help you pay the difference between the cash value of your car and the unpaid loan/lease balance that you owe. Although Farmers doesn’t offer gap insurance, you can still gain gap insurance from a dealership or another provider.
Want to make sure you have gap insurance? Check out the best gap insurance.
That’s where rideshare coverage comes in. If you drive for a rideshare service like Uber or Lyft, rideshare coverage will fill the insurance gap that neither your personal insurance nor your personal insurance will cover.
The average cost of car insurance with Farmers is $1,878, which is lower than the national annual average of approximately $2,000.
Your rates may be higher or lower than the average based on where you live, your driving history, your credit score, and other factors that insurers consider. Someone with a clean driving record will pay less in insurance costs, as they are less likely to file a claim. Requirements for coverage and limits also depend on where you live. The best way to get your auto insurance rate would be to speak directly with an agent.
You can reach out to a Farmers customer service representative through the mobile app, online portal, Farmers’ FAQ page (https://www.farmers.com/faq/auto/), or by telephone at 888-327-6335.
Here’s the full list of what you can do with the app and web portal:
The Farmers Mobile app has a 4.8 rating in the Apple Store and a 4.6 rating in the Google Play store.
You can also manage your safe driver tracking program through the Signal App, which has a 4.2 rating in the Google Play store and a 4.8 in the Apple Store. Signal is a smartphone app that tracks your driving habits by monitoring your speed, braking tendencies, phone use while driving, and other driving metrics.
The app will do the tracking for you automatically, let you know how safely or unsafely you drive, offer tips on how to improve, and determine the savings (or increases) you’ll earn on your premiums.
Farmer started from a small, one-room Los Angeles office in 1928, one year before the Great Depression. Founders John C. Tyler and Thomas E. Leavey started the company by providing cheap coverage to – you guessed it – farmers and their farming vehicles.
In the 1930s, Farmers became the first insurance provider to offer comprehensive insurance after an earthquake hit Los Angeles. This was one of many earthquakes and natural disasters Farmers would respond to in its nearly 100-year history.
Today, Farmers serves 20 million customers with over 48,000 agents and 21,000 employees. It’s the seventh-largest auto insurance provider, it has its own training facilities for agents and employees, and it maintains some of t
Farmer does not have any cancellation or early termination fees. Cancel your Farmers insurance by sending a request through the Contact Us form on Farmers.com (https://www.farmers.com/contact-us/send-message/), talking to your agent, or calling Farmers at 1-888-327-6335.
Actor J. K. Simmons is the notable actor in Farmers’ commercials. Simmons has made hundreds of cinematic appearances and has received several awards/nominations from the Academy Awards, Golden Globe Awards, and others.
Depending on what state you’re in, you must be either 55 or 65 years or older to qualify for the defensive driving course discount. You must also show Farmers a certificate of completion from a Department of Motor Vehicles-approved course.
No, Farmers and Allstate are not the same. They are separate, unrelated companies. The Zurich Insurance Group owns Farmers Insurance, while Allstate is a publicly held company.
Results By Complaint Code NAIC. (2022).
Farmers Insurance Business Profile. Better Business Bureau. (2023).