Farmers Auto Insurance Review

Last Updated on October 16, 2026

By James Shaffer Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on September 30, 2026 How we fact-check

Farmers is one of the largest auto insurers in the U.S., known for offering highly customizable policies through a large agent network. In 2024, Farmers ranked sixth in private passenger auto insurance by direct premiums written, with about 3.8% of the market. State Farm (18.9%) and Progressive (16.7%) are much larger.

If you want lots of optional add-ons (like new car replacement, OEM parts coverage, and glass coverage) and you prefer working with an agent, Farmers can be a strong fit. If you’re shopping primarily for the lowest possible price, it’s still worth getting a Farmers quote—but you’ll want to compare it against multiple insurers.

Our Rating of Farmers Auto Insurance

A long-established national insurer offering robust coverage options through a large agent network.

4.1

out of 5

★★★★☆

Checked October 14, 2026 · How we score insurers

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

Wide coverage selection Strong agent network Customizable policies

Summary

Bottom line: Farmers is a solid choice for drivers who value personalized service and flexible coverage, though premiums can run higher than some competitors.

Farmers Auto Insurance is sold in most states and is known for its broad menu of coverage options, optional endorsements, and extensive network of exclusive agents. Prices tend to run higher than average, but you get a local agent and plenty of ways to tailor your coverage.

Best for

Drivers who want help from a dedicated local agent
People looking for highly customizable auto coverage
Households planning to bundle multiple insurance policies

Not ideal for

Shoppers focused strictly on the lowest possible price
Drivers who don’t care about having a local agent
Those with minimal coverage needs seeking bare-bones policies

Table Of Contents

Our Rating of Farmers Auto Insurance
Farmers Auto Insurance at a Glance
Types of Auto Insurance Coverage Offered by Farmers
Farmers Auto Insurance Discounts
How Much Does Farmers Car Insurance Cost?
Farmers Reviews and Third-Party Ratings
Pros and Cons of Farmers Car Insurance
FAQs on Farmers Auto Insurance
Final Word on Farmers
Sources

Farmers Auto Insurance at a Glance

Best for: Drivers who want an agent, flexible coverage add-ons, and bundling options (auto + home + umbrella, etc.).
Availability: Farmers’ state directory lists car insurance in 42 states. It sells coverage through multiple underwriting companies; products, discounts, and eligibility vary by state and policy form.
Ownership: The main Farmers insurers are three exchanges owned by their policyholders. They’re managed by Farmers Group, Inc., which Zurich Insurance Group has owned since 1998. Farmers opened in Los Angeles in 1928.
Financial strength: AM Best rates the Farmers Insurance Group companies A (Excellent). In September 2026 it kept that rating and raised the outlook on their credit ratings to positive.
Customer satisfaction benchmarks: J.D. Power’s yearly Auto Insurance Study ranks insurers by region; the latest came out in June 2026. Its claims study ranks insurers nationally.

Types of Auto Insurance Coverage Offered by Farmers

Farmers offers everything from state-minimum liability policies to full coverage plans with a wide menu of add-ons. The exact options depend on your state, vehicle, and underwriting company, but most drivers will recognize the core coverages below.

Standard Coverages

Liability Coverage: Farmers offers liability coverage to satisfy your state’s minimum requirements and to build higher limits for better protection. Because lawsuits and medical costs can be expensive, many drivers choose limits above the minimum.

Collision Coverage: Collision coverage helps pay to repair or replace your vehicle after an accident with another vehicle or object (subject to your deductible).

Comprehensive Coverage: Comprehensive coverage helps cover non-collision damage like theft, vandalism, falling objects, animal strikes, and weather-related damage (subject to your deductible).

Personal Injury Protection (PIP) / Medical Payments: Depending on your state, you may be required (or able to add) personal injury protection (PIP) to help pay for medical expenses after an accident, regardless of fault.

Uninsured/Underinsured Motorist Coverage: If you’re hit by a driver with too little (or no) insurance, uninsured and underinsured motorist coverage can help protect you from paying out of pocket (coverage availability varies by state and policy type).

Optional Add-Ons and Policy Enhancements

Where Farmers often stands out is in the depth of optional endorsements and “extras” you can add for more complete protection.

Rental reimbursement: If your car is in the shop after a covered claim, rental reimbursement coverage can help pay for a rental vehicle (limits and duration depend on what you buy).
Custom parts and equipment: If you’ve installed aftermarket wheels, audio upgrades, or other permanent modifications, customized equipment coverage can help protect those additions.
Umbrella liability: For higher-asset households, umbrella insurance adds liability protection above your auto policy’s limits. Farmers sells it in $1 million steps, up to $10 million. Ask your agent what auto limits you need first.
Gap / loan-lease payoff: Farmers lists gap insurance (also called residual debt or loan/lease coverage) as an available option in some cases, which may help cover the difference between your vehicle’s value and what you still owe after a total loss. If you’re shopping this type of protection, here’s a broader guide to gap insurance options.
Accident forgiveness: Farmers advertises accident forgiveness options that can help prevent a surcharge after a qualifying at-fault accident. Eligibility and rules vary—see how it works in our Farmers accident forgiveness guide.

Other add-ons you may see (state and policy dependent): OEM parts coverage for cars up to 10 years old, new car replacement (Farmers also calls it Vehicle Replacement Plus), glass coverage options, rideshare and food delivery coverage, and towing and roadside service. Farmers also sells separate policies for classic cars and RVs. Ask your agent to show you the endorsements available on your specific policy form.

Farmers Auto Insurance Discounts

Discount availability varies by state, underwriting company, and driver profile, but Farmers typically offers a mix of policy, driver, and vehicle-based savings.

Bundling / multi-policy: Farmers says you can save 10% or more by bundling home and auto. Ask whether renters, condo or umbrella policies count too.
Multi-vehicle: Common when insuring more than one vehicle on the same policy.
Paperless / ePolicy and pay-in-full: Frequently offered for opting into electronic documents or paying the term in full.
Good student / distant student: Often available for eligible students with strong academics or students away at school without regular access to the vehicle.
Anti-theft devices: Farmers lists a discount for cars with qualifying protective devices, such as vehicle tracking. Its discount page doesn’t list airbag or anti-lock brake discounts for cars, so ask your agent what your state allows.

Signal: Farmers’ Usage-Based Insurance Program

Farmers Signal is a smartphone-based telematics program. In many cases, you’ll receive an initial discount for enrolling, and then your renewal pricing may go up or down based on driving behavior and program rules. If you’re considering Signal, review the program details and make sure everyone who needs to participate is enrolled—participation requirements and discount mechanics can vary. Signal looks at phone distraction, hard braking, when you drive and how many miles you drive. It isn’t available in Florida, Hawaii or New York, and the Signal discount isn’t offered in California.

How Much Does Farmers Car Insurance Cost?

NerdWallet’s September 2026 rate analysis puts the national average for full coverage at $2,344 per year. Its averages are for a 35-year-old driver with a clean driving record and good credit. Other sources use different methods and get different averages.

For Farmers specifically, the same analysis puts the average full coverage premium at $4,044 per year for that driver. Your own price could be far higher or lower, depending on your state, driving record, car and coverage.

What impacts your quote most: Your state and ZIP code, driving record, credit-based insurance score (where allowed), vehicle make/model, mileage, garaging, deductibles, liability limits, and whether you bundle multiple policies.

How to lower your Farmers premium: Ask your agent to review discounts, consider higher deductibles if you can afford them, remove unnecessary add-ons, bundle policies, and compare your Farmers quote against at least 2–3 competitors before choosing.

Farmers Reviews and Third-Party Ratings

“Is Farmers good?” depends on what you value most: coverage flexibility, price, claims experience, and service can all vary by state and underwriting company. That’s why it helps to consider third-party indicators alongside your own quote and local agent experience.

Financial strength: AM Best affirmed its A (Excellent) rating for the Farmers Insurance Group companies on September 3, 2026. It also raised the outlook on their credit ratings to positive, pointing to a trend of underwriting profits.
Customer satisfaction studies: J.D. Power’s Auto Insurance Study ranks insurers by region, so results depend on where you live. Its claims study ranks insurers nationally.
Complaints: Complaint ratios vary by state and by the specific underwriting company on your policy. You can verify licensing and find complaint help through the NAIC consumer resources and your state’s Department of Insurance.

Pros and Cons of Farmers Car Insurance

Pros

Strong financial strength rating and long operating history
Wide menu of optional coverages (new car replacement, OEM parts, glass options, custom equipment, and more—availability varies)
Large agent network for in-person support and policy customization
Discount opportunities via bundling and programs like Signal (where available)

Cons

Premiums may run higher than some direct-to-consumer competitors depending on your state and profile
Discounts and coverage features can vary significantly by state and underwriting company
Usage-based programs can lower costs for safe drivers, but renewal pricing may increase for riskier driving patterns

FAQs on Farmers Auto Insurance

Does Farmers Offer Gap Insurance (Loan/Lease Payoff Coverage)?

In some situations, Farmers may offer a gap-style option (sometimes called residual debt or loan/lease coverage). Availability and limits depend on your state, vehicle, and policy form—so confirm with your agent or review your declarations page before assuming it’s included.

Is Farmers Available in Every State?

No. Farmers’ state directory lists car insurance in 42 states. Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont, West Virginia and Washington, D.C. aren’t on it. Farmers also stopped selling Farmers-branded auto policies in Florida in 2023; its Florida page is still up, so check with a local agent there. Other companies in the Farmers group, such as Bristol West and Foremost, sell auto policies across the U.S. Where Farmers does sell, coverages and discounts can vary by state.

How Does the Farmers Signal Program Work?

Signal is a usage-based insurance program that uses a mobile app to measure driving behavior. Many policies start with an enrollment discount, and then your renewal pricing may go up or down depending on the program rules, driving results, and participation requirements in your state. Signal isn’t available in Florida, Hawaii or New York, and the Signal discount isn’t offered in California.

Does Farmers Have Accident Forgiveness?

Farmers may offer accident forgiveness options that can prevent a premium increase after a qualifying at-fault accident. Eligibility rules vary by state and policy form, and it may be an optional add-on or a benefit after meeting certain requirements.

What Discounts Does Farmers Typically Offer?

Discounts vary by state. Farmers lists discounts for bundling home and auto (it says 10% or more), insuring more than one car, going paperless, paying in full, and auto pay. It also has discounts for good students, students away at school, safe drivers, homeowners and anti-theft devices. Drivers over 55 who took a state-approved safety course can qualify too, and so can drivers who enroll in Signal. Ask your agent which ones apply in your state.

How Do I File a Claim With Farmers?

You can report a claim online, in the Farmers mobile app, or by calling 1-800-435-7764, which is open 24/7. If you’re not sure whether to file, your agent can help. Have your policy number, accident details, photos, and any police report information ready to speed up the process.

Can I Cancel a Farmers Policy at Any Time?

In many cases, you can cancel your auto policy before the end of the term, but rules vary by state and policy type. You may receive a prorated refund for unused premium; ask your agent whether any fees apply. Make sure you have replacement coverage active before canceling to avoid a lapse.

Final Word on Farmers

Farmers is a solid choice for drivers who want an agent-driven experience and the ability to build a policy with lots of add-ons. The biggest downside is that pricing can be higher than some budget-focused carriers, so it’s smart to compare quotes and confirm which endorsements and discounts are actually available in your state.

If you’re shopping, start with your desired liability limits and deductibles, then compare Farmers against a few competitors using the same coverage settings. That’s the quickest way to see whether Farmers is “worth it” for your specific driver profile.

I would include Farmers in the comparison if access to an agent and optional coverage matter to you, then check the full premium against equivalent offers.

Farmers Contact Information

Customer Care (General Help)	1-888-327-6335 • Contact Us
Auto Claims (24/7)	1-800-435-7764 • Auto Claims Center
Roadside Assistance	Request Roadside Help online or in the Farmers app. Questions: Farmers Claims Center, 1-800-435-7764
Manage Policy / Pay Bill	My Farmers Account
Find a Local Agent	Agent Locator
Mobile App	Farmers Mobile App Info

Sources

Checked September 29–30, 2026

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