Farmers is No. 7 in our 2025 Best Auto Insurance Companies ranking with 3.81 stars out of 5. Customers rated Farmers highly for claims handling, customer service and ease of service.
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Farmers is ranked No. 7 among national carriers in our Best Car Insurance Companies of 2025 with 3.81 stars out of 5.
Although Farmers has the second-most expensive monthly premiums on our list, it is highly rated for its customer service, ease of service and claims handling. High rates can bring down an insurer’s star ranking because price is a major part of the score. Customers also noted a higher likelihood of recommending Farmers to others.
Farmers received an A (Excellent) rating for financial stability from AM Best.
Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.
AM Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.
Farmers’ average monthly premium was $199, the second-highest rate among Insure’s top auto insurers for 2025. Only Allstate ($209) was more expensive.
*USAA is only available to military community members and their families.
Policyholders give the carrier high marks for customer satisfaction. Eighty-eight percent of Farmers’ customers said they were satisfied with its customer service. Amica, State Farm and GEICO did better than Farmers in this category.
Farmers received average marks from its customers in our survey for ease of service, including accessing policy documents and services. Of the customers surveyed, 88% said they were satisfied. Amica led this category, with 97% of its customers giving it high marks.
Eighty-four percent of Farmers’ customers said they’re satisfied with its policy offerings, such as rideshare coverage, umbrella insurance and homeowners/condo/rental policies. Amica scored the highest in this category, with 93% of its customers grading it highly, while Liberty Mutual scored lower at 79%.
Many customers are pleased with Farmers Insurance; 88% said they would recommend it to others. In this category, most companies had percentages in the upper 80s and low 90s. Nationwide led this category with a 96% recommendation rate.
Almost 85% of Farmers’ customers give it high marks for trustworthiness. However, most companies scored in this category’s upper 80th or 90th percentiles.
Eighty-eight percent of customers surveyed said they planned to renew their policies. Most companies earned scores in the 80th and 90th percentile for renewals, with Travelers taking the top spot with a 97% renewal rate.
Most Farmers customers said they approved of the company’s claims handling. The company ranked No. 1 in this category in the survey. Amica and State Farm followed at 89% and 88%, respectively.
More than 80% of Farmers’ customers give it a high score in this category. Nationwide was the top scorer at 96%, followed by Progressive, Amica, GEICO, Allstate and State Farm.
Despite a long list of available discounts, respondents rated Farmers in the lower half of our survey. But this is another category where most insurers didn’t do well in our survey. The best in this category was Nationwide; 86% of its customers gave it high marks for discounts.
Nationwide led this category, with 92% of its customers satisfied with its home and auto bundling. As for Farmers, 77% of respondents said it was the best for bundling.
Note: Not all discounts are available in all states.
Farmers was launched from a one-room office in downtown Los Angeles in 1928, a year before the Great Depression. Farmers expanded to acquire New World Life Company of Seattle and became the first major insurance organization to offer a monthly payment plan that didn’t charge customers any interest. In 2021, Farmers completed an acquisition of MetLife’s home and auto business.
In the fall of 2024, Insure.com surveyed more than 1,750 insurance consumers (1,199 people with auto insurance). Online market research company Slice MR conducted the survey.
Respondents were asked to name their auto insurer and then grade it in the following categories:
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
The percentage of respondents who said yes is presented in the results.The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measures financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For auto insurers, we took the following and gave each a weight.
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.