+120 more)
Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $111/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $211/mo |
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Customers appreciate the helpful staff and quality of coverage but dislike the frequent and unexplained premium increases.
Bottom Line: Farmers can be a good option for drivers who value reliability and flexible coverage options. While it may not be the cheapest option, you can potentially offset its price by taking advantage of discounts and customizing your policy limits.
Signal app offers discounts for safe driving
Many add-on coverage options available
Offers policy management with a mobile app
Not available nationwide
Mixed customer satisfaction ratings[1]
Must buy policy through an agent
Farmers Insurance is one of the country’s oldest and most established auto insurance companies, having been around for nearly 100 years. The insurer has a reputation for its extensive coverage options and large network of local agents.
Overall, Farmers is best for drivers looking for customizable coverage and a wide variety of discounts. The company’s long history and strong digital tools make it a good choice if you want a balance between modern convenience and traditional services.
Farmers offers dependable coverage, digital tools, and personalized service through its agent service network. The table below shows how Farmers performs in terms of cost, customer satisfaction, policy management, availability, and industry reputation.
Category  | Score |
|---|---|
| Cost | 3.33/5 |
| Customer satisfaction | 3.7/5 |
| Policy management | 4.8/5 |
| Availability | 4.7/5 |
| Industry reputation | 3.7/5 |
| Overall Score | 4.28/5 |
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s proprietary Compare.com Rating, which highlights its overall standing among the industry’s best companies.
Compare quotes starting at $44 per month.
|  |  |  |  |
|---|---|---|---|---|
Average Premium Prices based on average across state-minimum and full coverage car insurance $161/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $82/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $130/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $109/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $115/mo* |
Overall Rating 4.1 | Overall Rating 3.9 | Overall Rating 3.2 | Overall Rating 3.6 | Overall Rating 4.0 |
Value 3.8/5 | Value 4.1/5 | Value 3.4/5 | Value 3.7/5 | Value 4.3/5 |
Customer Service 4.3/5 | Customer Service 4.4/5 | Customer Service 3.6/5 | Customer Service 4.1/5 | Customer Service 4.3/5 |
Claims Handling 4.1/5 | Claims Handling 4.0/5 | Claims Handling 3.3/5 | Claims Handling 3.5/5 | Claims Handling 3.9/5 |
Special Highlight N/AAI-generated from 57 user reviews | Special Highlight N/AAI-generated from 309 user reviews | Special Highlight N/AAI-generated from 282 user reviews | Special Highlight N/AAI-generated from 171 user reviews | Special Highlight N/AAI-generated from 257 user reviews |
Farmers offers customizable policies with a wide range of optional coverages, including accident forgiveness, new car replacement, and original equipment manufacturer (OEM) parts coverage.
Its Signal telematics program rewards safe driving with additional savings and monthly rewards based on your driving score. The company’s mobile app and large network of local agents allow it to deliver personalized customer service.
Farmers auto insurance rates can be more expensive than its competitors’, and it’s available in only 42 states, not nationwide. And while you can start the quote process online, you must finish buying your policy with an agent. The company also has mixed customer satisfaction ratings.
Before choosing an auto insurer, check what people have to say about their firsthand experience with a company. Reading customer feedback and complaints can offer valuable insight into how well Farmers delivers on claims and overall satisfaction.
Below, you’ll find Farmers Insurance reviews from real Compare.com customers who currently have, or previously had, Farmers auto insurance. Their experiences can help you decide whether Farmers is the right fit for your needs.
Car insurance rates vary widely based on factors like your age, driving record, credit history, location, and vehicle. Because rates differ for every driver, it’s important to compare averages for drivers with profiles similar to yours before purchasing a policy.[2]
The table below shows Farmers’ average full-coverage rates for different driver types, based on Compare.com data.
Driver Type | Average Monthly Premium |
|---|---|
| All drivers | $211 |
| Teens | $454 |
| Seniors | $153 |
| Recent ticket | $274 |
| Recent accident | $281 |
| DUI conviction | $310 |
| Excellent credit | $178 |
| Bad credit | $255 |
Auto insurance rates vary from one state to the next. That’s because states can have differences in population density, accident frequency, weather risks, and insurance regulations. Urban areas and states with higher claim rates often have higher average premiums. But people living in rural areas tend to pay less.
The map below shows Farmers’ average liability and full-coverage car insurance rates by state, based on Compare.com data.
State | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Alabama | $96 | $174 |
| Alaska | N/A | N/A |
| Arizona | $182 | $269 |
| Arkansas | $100 | $199 |
| California | $120 | $263 |
| Colorado | $157 | $318 |
| Connecticut | N/A | N/A |
| Delaware | N/A | N/A |
| Florida | N/A | N/A |
| Georgia | N/A | N/A |
| Hawaii | N/A | N/A |
| Idaho | $114 | $165 |
| Illinois | $125 | $214 |
| Indiana | $98 | $174 |
| Iowa | $57 | $108 |
| Kansas | $121 | $219 |
| Kentucky | N/A | N/A |
| Louisiana | N/A | N/A |
| Maine | N/A | N/A |
| Maryland | N/A | N/A |
| Massachusetts | N/A | N/A |
| Michigan | N/A | N/A |
| Minnesota | $180 | $278 |
| Mississippi | N/A | N/A |
| Missouri | N/A | N/A |
| Montana | $62 | $125 |
| Nebraska | $124 | $231 |
| Nevada | $231 | $301 |
| New Hampshire | N/A | N/A |
| New Jersey | N/A | N/A |
| New Mexico | $203 | $265 |
| New York | N/A | N/A |
| North Carolina | N/A | N/A |
| North Dakota | $51 | $88 |
| Ohio | $112 | $183 |
| Oklahoma | $79 | $157 |
| Oregon | $169 | $213 |
| Pennsylvania | N/A | N/A |
| Rhode Island | N/A | N/A |
| South Carolina | N/A | N/A |
| South Dakota | $42 | $99 |
| Tennessee | $98 | $194 |
| Texas | N/A | N/A |
| Utah | $144 | $211 |
| Vermont | N/A | N/A |
| Virginia | N/A | N/A |
| Washington | $103 | $200 |
| Washington D.C. | N/A | N/A |
| West Virginia | N/A | N/A |
| Wisconsin | N/A | N/A |
| Wyoming | $43 | $84 |
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Farmers allows you to pick from a variety of auto insurance coverage options. You can choose standard coverage options like liability and collision insurance, plus add-ons for additional protection. Here are some optional coverages Farmers offers:
Roadside assistance: This coverage provides 24/7 help with towing, tire changes, lockouts, and jump-starts if your car breaks down.
Rental car reimbursement: Farmers will reimburse you the cost of a rental car for up to 30 days while your vehicle is being repaired after a covered loss.
Loss of use coverage: You can get a daily allowance for rideshares, public transportation, or rentals while your car is in the shop.
OEM coverage: This coverage ensures the repair shop uses OEM parts whenever available.
Accident forgiveness: Farmers will forgive one at-fault accident every three years, helping you avoid a premium increase after a single incident.
Rideshare coverage: If you drive for a rideshare service, Farmers can help fill in gaps in your personal coverage while driving for Uber, Lyft, or food delivery apps.
New car replacement: With new car replacement, Farmers will replace your car with a brand-new vehicle of the same make and model if you total it.
Customized equipment coverage: This coverage protects installed aftermarket items, like custom wheels and stereos.
Gap insurance: Gap insurance pays the difference between your vehicle’s actual cash value and the remaining balance on your loan or lease if you total it.
Car insurance discounts are one of the best ways to save on your auto insurance policy. Fortunately, Farmers offers up to 20 different discounts. Here are a few that you might qualify for:
Bundling: You can receive a discount of 10% or more for bundling multiple policies together, like auto and home insurance.
Loyalty: You could qualify for a loyalty discount if you renew your policy and have stayed claims-free for the past 12 months.
ePolicy: Get a discount for enrolling in an ePolicy and going paperless.
Good payer: Pay your bill on time for the last 12 months to qualify for a good payer discount.
Young driver: If you’re younger than 25, you can earn a discount if you live with or are the child or grandchild of a Farmers policyholder.
On your own: Drivers younger than 29 who were Farmers policyholders and recently moved into a new home are eligible for this discount.
Signal program: Signal is a telematics program that rewards customers for safe driving. You’ll earn an initial discount for signing up and can earn an additional discount at your policy renewal.
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Farmers makes it easy to file a claim online or by phone. You can also monitor the status of your claim in the mobile app. Here’s how the process works:
Start your claim. You can file a claim online or by calling a claims representative. Answer some basic information about your claim to get the process started.
Provide more information. Once you file your claim, Farmers will assign a claims representative to your case. After they review your information, they may reach out with additional questions.
Choose your repair shop. Farmers guarantees repairs at certain shops across the country. Going to one of these shops can reassure you that your car is in good hands.
Track your claim. You can track the status of your claim using Farmers’ online claim management portal. You can also upload additional documents and view any payments made to you.
Receive your payment. Once Farmers approves your claim, it’ll pay you either by check, direct deposit, or directly paying the repair shop. Once it sends payment, Farmers will close out your claim.
The table below outlines some important information about Farmers Insurance, including where it’s available and how you can contact the company.
Founded | 1928 |
|---|---|
| Available in | Everywhere except Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont, Washington, D.C., and Virginia. |
| Owned by | Farmers is owned by its policyholders. |
| National average premium | $111 per month |
| Mobile app | Android, iOS |
| Customer service | 1 (888) 327-6335 |
| Claims | 1 (800) 435-7764 |
| Primary competitors | State Farm, GEICO, Progressive, and Allstate |
In addition to auto insurance, Farmers has a variety of personal and business insurance products. Here are a few of Farmers’ other offerings:
Property insurance: Farmers offers home, renters, landlord, flood, and condo insurance.
Life insurance: Farmers offers term, whole, and universal life policies to protect your loved ones financially.
Commercial insurance: The insurer offers a range of commercial policies, including business insurance, commercial auto, commercial property, workers’ compensation, and general liability coverage.
Additional insurance: Farmers offers additional policies, like umbrella insurance, motorcycle insurance, and pet insurance.
Check rates from 100+ top insurers and save money in seconds.
Here are answers to some of the most common questions drivers ask about Farmers auto insurance. Check them out to learn more about Farmers’ costs, its reputation, and how it compares with other insurers.
Yes. Farmers is a reputable insurer with a long history and solid financial strength. It’s best for drivers who value customizable coverage and local agent support. But the company’s rates can be higher for some drivers, and it has mixed customer satisfaction scores.
Farmers car insurance costs an average of $111 per month for liability insurance and $211 for full coverage. But your exact rate depends on factors like your age, location, driving record, and credit history.
It depends. Farmers’ rates can be higher than average in some states, due to local factors like repair costs and theft rates. Your driving record also greatly affects how much you pay for coverage. But Farmers’ personalized service and robust discounts can help offset those costs.
There isn’t a single “best” insurance company for every driver. The best car insurance company depends on your budget, coverage limits, and location. Farmers is a good option if you want local support, but insurers like GEICO or Progressive may be better if you’re more budget-focused.
Not typically. Farmers isn’t widely known for denying claims, but like any insurer, coverage decisions depend on your policy terms and the circumstances of the claim. Many customers report smooth claims experiences with Farmers.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Jamie Johnson is a Kansas City-based personal finance writer who’s been writing for Compare.com since 2023. Her work has also been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance.
For the past seven years, she’s dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
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