Farmers Auto Insurance Review

Last Updated on January 1, 2026

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, putting it firmly in the “big carrier” category alongside brands like State Farm and Progressive.

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.

KEY TAKEAWAYS

1. Farmers Is a Top-Tier National Insurer: Farmers ranks among the largest U.S. auto insurers and offers agent-supported coverage in many states.
2. Strong Menu of Add-Ons: Beyond standard liability and full coverage, Farmers may offer OEM parts, new car replacement, glass options, and loan/lease (gap-style) coverage depending on your state and policy form.
3. Signal Can Help—or Hurt—Renewal Pricing: Farmers’ telematics program may start with an enrollment discount, but renewal pricing can increase or decrease based on driving behavior and participation rules.
4. Compare Quotes Before You Commit: Farmers can be a great fit for drivers who want customization, but pricing often varies widely—so compare at least 2–3 insurers with identical coverage limits.

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 sells coverage through multiple underwriting companies; products, discounts, and eligibility vary by state and policy form.
• Financial strength: AM Best affirmed an A (Excellent) rating for members of Farmers Insurance Group (with a stable outlook) in 2025. Read the AM Best rating action.
• Customer satisfaction benchmarks: J.D. Power publishes annual satisfaction and claims satisfaction studies. Results are typically regional, and performance can vary by location. 2025 Auto Insurance Study | 2025 Auto Claims Satisfaction Study.

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 can increase liability protection above your auto policy’s limits (typically requires higher underlying limits).
• 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, new car replacement (“new car pledge”), glass coverage options, rideshare and delivery endorsements, roadside assistance, and specialty coverage for certain vehicles (like 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: Often available when combining auto with home, renters, condo, umbrella, or other eligible policies.
• 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.
• Safety and anti-theft features: Airbags, anti-lock brakes, alarms, and other features may qualify depending on state rules.

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.

How Much Does Farmers Car Insurance Cost?

Car insurance pricing has risen significantly in recent years, and “average” prices vary depending on the source and methodology. For example, NerdWallet’s late-2025 analysis places the average cost of full coverage around $2,300 per year, while Bankrate’s analysis lists the national average full coverage premium at $2,697 per year.

For Farmers specifically, Bankrate reports an average full coverage premium of about $3,418 per year (with averages varying dramatically based on state, driver profile, vehicle, and coverage choices).

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 an A (Excellent) financial strength rating for members of Farmers Insurance Group in 2025. Source.
• Customer satisfaction studies: J.D. Power publishes annual auto insurance satisfaction and claims satisfaction studies (regional results can differ). Auto Insurance Study | Auto Claims Satisfaction Study.
• 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

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—not just a bare-bones plan. 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.

Farmers Contact Information