Is Indiana Farmers Good for Auto Insurance?

Last Updated on October 22, 2026

By James Shaffer Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 22, 2026 How we fact-check

Indiana Farmers Insurance is a regional mutual insurer that sells auto coverage through local independent agents. If you live in Indiana and prefer working with an agent instead of buying a policy entirely online, it can be a strong option, especially if you also want to insure a home or farm with the same company.

Founded in 1877, Indiana Farmers began as a farm-focused insurer and has since expanded into personal and commercial lines. Today it writes property and casualty insurance in Indiana, Illinois and Ohio, with Illinois added in 2019 and Ohio in 2021. Its auto insurance page carries the note “Only available in Indiana,” so if you live in Illinois or Ohio, ask an agent whether Indiana Farmers writes personal auto there.

If you’re shopping locally, it’s worth comparing Indiana Farmers alongside other carriers in Indiana, and in Illinois if an agent confirms it writes auto policies there.

Our Rating of Indiana Farmers

Indiana Farmers is an Indiana mutual insurer that sells auto coverage through local independent agents; its auto page says the product is only available in Indiana.

3.6

out of 5

★★★☆★☆

Checked October 22, 2026 · How we score insurers

Customer satisfaction: we couldn’t confirm a 2026 J.D. Power rating for Indiana Farmers Insurance, so it gets an average score for this part.

Independent-agent insurer Strong bundling fit Indiana regional carrier

Summary

Bottom line: Indiana Farmers is a solid regional choice for Indiana drivers who want independent-agent guidance and a policy that can be built up with options like gap, new car replacement and roadside assistance.

Indiana Farmers offers the core coverages most drivers need, along with rental, gap, new car replacement and roadside assistance options. Claims can be reported by phone or online, and auto glass claims go directly to Safelite Solutions. The main tradeoff is that it’s not a true direct-to-consumer carrier, so you’ll generally purchase and manage coverage through an independent agent.

Best for

Drivers who prefer working with an independent agent instead of buying fully online
Households looking to bundle auto with home or farm coverage
Drivers who want optional coverages like rental, gap, new car replacement or roadside assistance

Not ideal for

Drivers who want a fully direct-to-consumer online checkout experience
Shoppers outside Indiana, since the company’s auto page says its auto product is only available there
Drivers who want to make policy changes without an agent; the company’s site offers an online account and bill pay, but quotes and changes go through your agent

Table Of Contents

Our Rating of Indiana Farmers
What Auto Insurance Coverage Does Indiana Farmers Offer?
Indiana Farmers Auto Insurance Discounts
Indiana Farmers Reviews And Complaints
How To Get A Quote From Indiana Farmers
How To File A Claim With Indiana Farmers
Final Word On Indiana Farmers Auto Insurance
FAQs on Indiana Farmers Auto Insurance
Sources

What Auto Insurance Coverage Does Indiana Farmers Offer?

Indiana Farmers offers the core building blocks of a standard auto policy plus a variety of auto insurance coverage options . Its auto page lists liability, collision, comprehensive, medical payments and uninsured/underinsured motorist coverage, with rental, gap insurance, new car replacement and roadside assistance as options, and says availability can vary by state. Limits and options also depend on your driving record and vehicle, so review them with a local independent agent.

Standard Coverage Options

Coverage Type	What It Helps Pay For	When It Matters Most
Bodily Injury Liability	Other people’s injuries if you cause an accident.	Higher limits can help protect savings and future wages after a serious injury claim.
Property Damage Liability	Damage you cause to another vehicle or property (like a fence or building).	Repairs and replacement costs have risen; minimum limits can be used up quickly in multi-car crashes.
Uninsured/Underinsured Motorist	Your injuries (and sometimes related costs) if the at-fault driver has no insurance or not enough.	Useful when the other driver can’t fully cover medical bills or lost income.
Medical Payments	Medical expenses for you and passengers, regardless of fault (up to the policy limit).	Helpful for quick reimbursement of deductibles, copays, and smaller medical bills.
Collision	Damage to your vehicle after a crash (subject to your deductible).	Often required by lenders/lessors; critical if your car is newer or expensive to repair.
Comprehensive	Non-collision losses such as theft, hail, vandalism, fire, glass damage, and animal strikes (subject to your deductible).	Important in storm-prone areas and for vehicles where theft or weather losses are realistic risks.

Quick tip: Most insurers recommend choosing liability limits based on your financial exposure—not the state minimum. A local agent can help align liability and uninsured/underinsured motorist limits so you’re not “overexposed” in one area and underprotected in another.

Extra Coverage Options And Endorsements

Indiana Farmers also offers optional coverages that can strengthen a policy beyond the basics. These are the four its auto page lists, plus one thing its site mentions elsewhere.

Optional Coverage	What Indiana Farmers Says It Does	Who It’s Most Useful For
Rental	Helps pay for a rental car while yours is being repaired; the company says to ask your agent for options, so expect a daily limit and a cap per claim.	Drivers who would need a replacement vehicle immediately after an accident.
Gap Insurance	Helps cover the difference between your vehicle’s value after a total loss and what you still owe on a loan or lease.	Drivers with a new loan/lease or a small down payment.
New Car Replacement	Replaces a totaled car from the current or previous model year rather than paying its depreciated value.	Owners of cars less than two model years old.
Roadside Assistance	Can reimburse locksmith or towing costs, plus meals, transportation or lodging if your car is damaged on a trip.	Drivers who travel out of town or don’t carry a separate motor club membership.
Trailers and Campers	Not on the auto page’s list, but the site’s description of what it insures names trailers, campers and motor homes; ask your agent how liability and physical damage apply while towing.	Drivers who tow utility, boat, or small recreational trailers.

Indiana Farmers’ auto page doesn’t list a separate full glass coverage option; glass damage falls under comprehensive, and glass claims go straight to Safelite Solutions. It also lists no classic car or motorcycle product, though motorcycles appear in the site’s description of what it insures, so ask an agent what the company can write for those.

Indiana Farmers Auto Insurance Discounts

Indiana Farmers’ auto page lists five discounts and publishes no percentages for them. Here is what each one covers, as the company describes it.

Discount	What Indiana Farmers Says Qualifies
Home and Auto Bundle	Insuring both your home and your auto with Indiana Farmers.
Multi-Car	More than one vehicle insured on the same policy.
Safe Driver	A discounted premium for safe driving; the company doesn’t publish the look-back period, so ask your agent.
Good Student	Drivers at least 16 years old with a B average or better. Report cards go to your local agent.
Payment-Based	Some payment plans qualify for a lower rate; ask which plans count before you pick one.

Indiana Farmers doesn’t list a good credit, vehicle safety feature or defensive driving course discount. If one of those would matter to you, ask the agent whether anything similar applies, and compare the final price against a carrier that does offer it.

Indiana Farmers Reviews And Complaints

Indiana Farmers is best evaluated the same way as any regional carrier: financial strength, complaint trends, and real claims experience. AM Best rates the Indiana Farmers Insurance Group A- (Excellent) with a stable outlook and affirmed that rating on June 18, 2026. It is a group rating covering Indiana Farmers Mutual Insurance Company and Indiana Farmers Indemnity Insurance Company, and it is a step down: on June 18, 2025, AM Best lowered the group from A (Excellent) after three straight years of weather-driven underwriting losses, while describing its balance sheet as very strong. The company’s own site showed the A- rating when we checked on October 18, 2026.

For a more objective view of service issues, check the Indiana Department of Insurance’s annual auto complaint index, which compares each company’s share of complaints with its share of premiums; 1.00 means the company drew exactly its share, and lower is better. Indiana Farmers Mutual scored 0.41 in the 2025 index (2 complaints on $101.7 million in Indiana auto premium) and 0.18 in the 2024 index (1 complaint on $121.2 million). Both are well below average.

Because Indiana Farmers sells through independent agents, your experience can also depend on your agency—especially for billing support, coverage changes, and claim guidance. When comparing quotes, ask the agent to explain exclusions, deductibles, and which add-ons require endorsements.

How To Get A Quote From Indiana Farmers

Indiana Farmers does not typically sell policies directly online the way many national brands do. Instead, you’ll work with an independent agent who can explain coverage, apply discounts correctly, and compare options with other insurers.

To start, use the Find an Agent search on the company’s site, which looks for agencies within 10 to 100 miles of you. Have the following ready for the most accurate quote:

Driver details (license status, violations/accidents, years licensed)
Vehicle details (VIN, annual mileage, garaging address)
Current insurance declarations page (coverage limits, deductibles, endorsements)
Any loan/lease information if you need lender-required coverage

How To File A Claim With Indiana Farmers

If you need to file a claim, you can report it by phone, online or by mail. Indiana Farmers’ claim center page says to call 800-477-1660 immediately for urgent claims; it doesn’t state hours or promise round-the-clock phone service, so if you call after hours and get no answer, use the online form.

Report most claims by phone: 800-477-1660
Report a claim online: through the Claim Center on the company’s site, where you say whether you are an Indiana Farmers policyholder, another insurer or someone else, then fill in the form. Logging in to your account first saves time.
Auto glass claims: call Safelite Solutions directly at 877-592-2702, the number Indiana Farmers gives on its claim center page (see Safelite Solutions coverage details)

Final Word On Indiana Farmers Auto Insurance

Indiana Farmers is a practical choice for Indiana drivers who value an independent agent relationship and want a policy that can be built up with options like gap, new car replacement and roadside assistance. It can be especially competitive when you bundle home and auto, and the state’s complaint index suggests few of its policyholders end up complaining to the Department of Insurance.

Before buying, have your agent quote the same limits and deductibles you’re considering elsewhere, then compare how each insurer handles add-ons like rental, roadside assistance and gap coverage. If you’re unsure whether working through an agent changes pricing or options, review how the process works here: is auto insurance cheaper through an agent.

Indiana Farmers contact (general): 800-477-1660, the number on the company’s contact page, which also gives its mailing address (PO Box 527, Indianapolis, IN 46206) and a message form.

My advice is to have an Indiana Farmers agent quote the same limits and deductibles you carry now and to ask which of the five listed discounts made it onto the quote. Independent agents can usually price two or three other carriers on the same visit, so ask for those too.

FAQs on Indiana Farmers Auto Insurance

Can I buy Indiana Farmers car insurance online without an agent?

In most cases, no. Indiana Farmers typically sells auto insurance through independent agents. An agent can provide the quote, apply discounts, and help you select endorsements and limits.

Does Indiana Farmers offer full coverage auto insurance?

Yes. “Full coverage” usually means liability plus comprehensive and collision. Your agent can confirm what’s included, your deductibles, and whether any enhancements (like upgraded rental or glass coverage) require an endorsement.

Does my Indiana Farmers policy cover a rental car?

Coverage often extends to a temporary rental vehicle in a similar way to your personal vehicle, but details vary. Ask your agent how your liability, comprehensive, and collision apply to rentals and whether you need any optional coverage to avoid gaps.

Is GAP (loan/lease) coverage available through Indiana Farmers?

Yes. Indiana Farmers lists gap insurance as an option on its auto page. It helps cover the difference between what a financed or leased vehicle is worth after a total loss and what you still owe.

How do I file a claim with Indiana Farmers?

You can report a claim by phone at 800-477-1660 or online through the claim center on the company’s site. Auto glass claims go directly to Safelite Solutions at 877-592-2702. Keep your policy number and loss details handy when reporting.

What information should I bring to an agent to get the most accurate quote?

Bring your driver information, vehicle VIN(s), approximate annual mileage, garaging address, and your current declarations page if you have one. Matching limits and deductibles across quotes is the best way to compare prices fairly.

Are Indiana Farmers discounts automatic or do I have to request them?

Some discounts may be applied automatically based on your details, but others need proof. Indiana Farmers says good student report cards go to your local agent. Ask the agent to review all five listed discounts and what documentation each one needs.

Sources

Checked October 18, 2026

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