Car Insurance

Farmers Auto Insurance Reviews And Ratings

Updated on
farmers
Farmers Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 70%
Who Plan to Renew 91%
AM Best Financial Strength Ratings A

About Farmers Insurance

Customer service:1-888-327-6335
Claims:1-800-435-7674
Corporate Headquarters 6301 Owensmouth Avenue
Woodland Hills, CA 91367

Best Auto Insurance Companies 2021: How Farmers Car Insurance Compares

Farmers earned an InsureScore of three and a half out of five stars in our annual review of Best Auto Insurance Companies. They received a three and a half-star InsureScore in claims, customer service and website & apps, and a three-star score in price. 

When we asked Farmer customers if they would recommend the company to others, 70% said yes and 91% said they planned to renew their plan. 

In the 2020 J.D. Power Auto Insurance study, Farmers got an above-average score in auto insurance claims satisfaction but a below-average score in auto insurance shopping.

Gauging an insurance company

Before buying with a company it is wise to check on a company’s financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Farmers Insurance’s financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median.

Company Background

Success stories

Farmers Automobile Inter-Insurance Exchange was founded 1928 by two men with the common interest of providing quality auto insurance for farmers and ranchers.

Though their timing wasn’t ideal as the country slid into the Great Depression, Farmers weathered the nation’s economic woes. It was one of few insurance companies able to pay its policyholders’ claims in cash, rather than IOUs.

Today, the company has grown well beyond policies for farmers; it covers 10 million households across all 50 states. In fact, Farmers has covered so many types of claims, the company’s website features a “Hall of Claims” sharing some incredulous stories of covered claims.

Farmers Insurance Group of Companies also include:

  • Foremost Insurance Group
  • Mid-Century Insurance
  • The Bristol West Insurance Group
  • 21st Century Insurance Group

Consider Farmers for rideshare drivers

If you’re considering becoming a rideshare driver for popular services such as Uber and Lyft, consider Farmers for your insurance policy. As this relatively new insurance market emerges, Farmers is one of the few insurers offering rideshare policies in several states. A ridesharing endorsement will help to protect you during the period where the app is on before and after you have a passenger – also known as Period 1 – where insurance coverage from the rideshare company is notoriously low.

Farmers Car Insurance Coverages

  • Personal and Commercial auto
  • Collectibles
  • Motorcycle
  • RVs
  • Boat

Farmers Car Insurance Additional Policies

  • Homeowners
  • Renters
  • Condo
  • Mobile/specialty home
  • Life insurance
  • Financial products
  • Business liability

How likely customers would recommend this company?

29% I would definitely recommend this company
41% I would probably recommend this company
23% Neutral
4% I would probably not recommend this company
3% I would not recommend this company

Reasons for Buying

Customers of Farmers originally decided to purchase from the company for these reasons:
  • 30% Recommended by friend or family member
  • 19% Offered best price
  • 15% I had other insurance with this company
  • 12% Reputation
  • 7% Saw online ad
  • 5% Financial strength rating
  • 5% Saw TV commercial
  • 5% Was the company my parents had
  • 2% The company website and mobile apps are easy to use and helpful

Would you renew?

  • 91% Yes
  • 9% No

Ratings on Website & Apps

  • Completely satisfied / Outstanding website & apps that give me what I need and more 29%
  • Fairly satisfied / Fulfills my needs OK 32%
  • Average website and apps 17%
  • Very unsatisfied / digital offering is severely lacking 14%
  • Unsatisfied / website and/or apps are not fulfilling my needs 6%

How do you prefer to deal with insurer and policy?

  • In person 39%
  • Phone 25%
  • Email 6%
  • Interactive website 14%
  • Mobile App 16%

Customer Complaint Ratio

info

The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

Farmers’s customer complaint ratio for Private Passenger Auto insurance is 0.74
Coverage Options
Usage-based/Telematics Icon
Usage-based/Telematics
Rates can be based on your mileage and how you drive.
Accident forgiveness Icon
Accident forgiveness
Your rates won"t increase after your first accident.
New car replacement Icon
New car replacement
If you total your car the insurer will pay for a new car.
Mobile app Icon
Mobile app
The insurer offers an app for smartphones.
Discounts
Multi-policy Icon
Multi-policy
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle Icon
Multi-vehicle
Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving Icon
Driver training/Defensive driving
Discount for an approved defensive driving or driver improvement class.
Academic achievement Icon
Academic achievement
Discount for full-time students who meet certain academic criteria.
Passive -restraint (air bag) Icon
Passive -restraint (air bag)
Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver Icon
Safe driver/clean driving record/good driver
Discount for no accidents or traffic violations, usually for three or five years.

In which states is Farmers available?

Customer Reviews

Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:

Customer Reviews

140 Reviews. 3.5 Stars out of 5
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