Is Farmers Union Good for Auto Insurance?

Last Updated on January 7, 2026

Farmers Union Insurance is a regional property and casualty insurer best known for agent-based service in the Midwest and Rocky Mountain regions. It can be a good choice if you want a local agent and need auto, home, or farm coverage in its service area—especially in Colorado—but it’s not ideal for shoppers who want instant online quotes or nationwide availability.

This review explains what Farmers Union sells, where it operates, how its auto insurance works, and what to consider before buying a policy.

What Is Farmers Union Insurance?

Founded in 1945, Farmers Union Insurance is a Colorado-based insurer that primarily distributes policies through a network of local agents. The company emphasizes relationship-based service, which can be helpful for households that want guidance on coverage limits, deductibles, and bundling options.

Farmers Union Insurance became part of National General in 2019 (and National General is now part of Allstate). For shoppers, that typically means regional agent support backed by a larger insurance group—though the policy experience still depends on your state, agent, and the specific product you buy. (Related: National General auto insurance review.)

Farmers Union also writes specialized telecommunications coverage and states it operates that line in many more states than its personal lines footprint.

Where Is Farmers Union Available?

Farmers Union Insurance focuses on the Midwest and Rocky Mountain regions and is not a nationwide carrier. Availability can vary by state and by product line (auto vs. home vs. farm), so the most reliable way to confirm eligibility is to check with a local agent.

If Farmers Union isn’t available where you live, there are many alternatives. See this list of car insurance companies to compare other carriers and distribution models.

Farmers Union Insurance Products

Farmers Union sells multiple property and casualty products. Depending on your location, options may include:

• Auto insurance
• Homeowners insurance
• Renters insurance
• Farm insurance
• Telecommunications insurance

Some locations may also offer related protections through endorsements or companion products (for example, umbrella liability added to a home policy). Your agent can confirm what’s available and what requirements apply.

How Does Farmers Union Car Insurance Work?

Farmers Union auto insurance works like most standard personal auto policies: you choose coverages and limits, and your premium is based on underwriting factors like driving history, vehicle, garaging address, and selected deductibles.

Core auto coverages typically include liability insurance plus optional physical damage coverages like comprehensive coverage and collision. Many drivers also consider uninsured motorist coverage for added protection when the other driver can’t pay.

Some drivers only need minimum coverage auto insurance, while others need higher liability limits, physical damage coverage for a financed vehicle, or optional protections like roadside assistance.

Farmers Union Car Insurance Discounts and Extras

Discounts and add-ons vary by state and underwriting rules, but Farmers Union commonly promotes savings opportunities similar to other regional carriers. Examples often include:

• Pay-in-full savings: Some customers save by paying in full rather than monthly, depending on billing rules.
• Safe driver pricing: Drivers who qualify for a good driver discount may see lower rates based on a clean record.
• Teen and student savings: Households adding young drivers may qualify for programs geared toward teen drivers and a good student discount.
• Accident forgiveness: Some insurers offer accident forgiveness eligibility after meeting specific requirements (rules vary by policy and state).
• Multi-vehicle: Many carriers reduce premiums when you qualify for multi-car discounts.
• Fleet/business vehicles: Eligibility may exist for certain commercial auto insurance or multi-vehicle business use, depending on underwriting guidelines.
• Bundling: Customers may save with a package discount when combining eligible policies.

Other pricing factors can matter just as much as discounts—especially credit-based insurance scores in states where they’re allowed and your tenure with the insurer (see: customer loyalty car insurance). For a broader view, review these auto insurance discounts and ask your agent which ones apply to your policy.

Farmers Union Ratings and Customer Reviews

Farmers Union is a regional carrier, so it may not appear in large, nationwide consumer surveys like J.D. Power’s auto insurance rankings. Instead, shoppers often evaluate Farmers Union based on local agent support, claims responsiveness, and how the policy compares to competing quotes in the same region.

The company promotes strong financial backing through its group and highlights ratings such as an A- (Excellent) from A.M. Best and an A+ rating from the Better Business Bureau (BBB). Ratings can change over time, so it’s smart to confirm current ratings when shopping.

Farmers Union may also offer optional features that some drivers value—such as roadside assistance, accident forgiveness options, and in some cases endorsements like new car replacement (availability varies by policy and state).

FAQs on Farmers Union Insurance

Final Word on Farmers Union Insurance

Farmers Union Insurance is best for shoppers who want local-agent service and need coverage in the company’s regional footprint. If you prefer a fully online purchase experience or want a carrier that’s available in most states, it’s worth comparing quotes from other insurers as well.

To get a quote, you can request one through the company website or call the main line to be connected with an agent.