Ranked No. 8 in Insure.com’s 2026 Best Auto Insurance Companies list, Farmers earns high marks for satisfaction, renewals and trust, backed by solid financial stability. This review breaks down how Farmers performs across cost, coverage options and customer experience to help drivers decide if the value matches the price.
Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.
Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.
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Farmers is one of the most expensive auto insurers in Insure.com’s 2026 survey, with full coverage averaging $257 per month, well above the national average of $209. Only Allstate and Mercury had higher premiums.
While Farmers earns solid renewal and recommendation scores, it trails competitors in customer satisfaction, policy offerings and discounts. Claims handling and ease of service also fall below the category average, showing that Farmers may not offer the same value as lower-priced competitors.
Still, a strong agent network and reliable digital tools help the company maintain steady loyalty among drivers who prefer personalized service over the lowest premium.
Insure.com surveyed 2,000 auto insurance customers, who rated their insurers on service quality, claims handling, policy options, discounts, digital tools and bundling. Scores were combined with AM Best financial strength ratings, NAIC complaint data and premium rate data from Quadrant Information Services to produce each insurer’s final rating.
Farmers is a good choice for you if:
It might not be the best choice if:
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Farmers is one of the more expensive auto insurance companies in our 2026 survey, with a monthly full coverage rate of $257. The average monthly premium was $209. The only companies that are more expensive are Allstate and Mercury.
See more rates in the table below.
When Farmers’ auto insurance customers were asked whether they were satisfied with the company, 84% of customers said they were, which is 1 point below the category average of 85%.
However, when it comes to the ease of accessing policy documents and services, Farmers scored below average – and below competitors like Allstate, Liberty Mutual and Mercury – with a score of 85%.
The policy offerings category measures customer satisfaction with the amount of coverage a company offers. Farmers had lower overall satisfaction in this category, with a score of 77% – 7 points below the category average of 84%.
Eighty-seven percent of Farmers’ customers said they’d recommend the auto insurer to their family members and friends, which was average. When it comes to trustworthiness, Farmers’ score was 1 point below average, with a score of 89%.
Finally, 94% of Farmers customers said they’d renew. This was Farmers’ best showing by far, tying with Nationwide as the top national carrier in the renewal rate category.
Claims handling was a less successful category for most insurers, and Farmers was no exception. Its score of 74% in the claims handling category was 4 points below the average and 8 points behind the top national scorer, Travelers.
For digital experience, it did better with a score of 80%, only 2 points behind the category average. Digital experience measures customers’ satisfaction with a company’s mobile app and website user experience.
For discounts, Farmers scored worse than average. Its overall discount score was 12 points lower than the average. However, the home/auto bundling score was only two points lower than average.
Farmers offers a range of car insurance coverages that protect you, your vehicle and others on the road.
Farmers auto insurance discounts can reduce your premium based on your driving history, vehicle features and how you pay. New customers who switch to Farmers often save around $440 per year on average nationwide, though savings and discount availability vary by state.
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Founded in 1928, Farmers Insurance has grown from a small California auto insurer into one of the largest multiline carriers in the United States. Today, Farmers serves more than 10 million households with over 19 million individual policies across auto, home, life and specialty insurance products.
The company operates through a broad network of more than 48,000 exclusive and independent agents, backed by thousands of claims professionals and service representatives nationwide. This combination of local agent expertise and robust digital tools makes Farmers a well-established choice for drivers seeking flexible coverage options and personalized support.
Financially, Farmers remains a stable and well-capitalized insurer. The company generates more than $12 billion in annual auto and home insurance premiums. Its long-standing focus on diversified insurance products, conservative underwriting and agent-driven service has made Farmers a consistent and recognizable presence in the U.S. insurance market.
Contact Farmers: Call 1-888-327-6335 or visit www.farmers.com.
Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on customer satisfaction, ease of service, policy options, claims handling, digital experience, discounts and bundling home with auto. We also asked whether they planned to renew, would recommend their insurer to friends and family and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., we applied the following weights to calculate each company’s final rating:
Each insurer received a rating between 0.5 and 5 stars.