Farmers ranked No. 6 among national insurers for the best home insurance in 2025, scoring 3.86 stars out of 5.
Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.
John McCormick is an insurance expert and the editorial director for QuinStreet's insurance sites -- CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, he was a deputy editor at The Wall Street Journal and was an editor and reporter at several media outlets where he covered insurance, personal finance and technology.
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Farmers Insurance ranked well for claims handling in our 2025 Best Home Insurance Companies survey of insurance consumers. It ranks at No. 6 among national carriers in our list of the top insurers.Farmers—which offers home, auto, and life insurance products—received 3.86 stars. According to our most recent data, the company has higher average premiums than competitors, which affected its star rating, as our ranking rewards lower prices. However, it was rated highly in several areas; 82.9% of its customers in the survey said they’d recommend the company.Farmers received an A rating from AM Best for its credit rating, which means it’s financially stable, and a J.D. Power score of 883 (out of 1,000) for overall claims satisfaction.
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.
Below is our review of Farmers. It’s based on third-party metrics, including two J.D. Power studies (Home Insurance Study and Property Claims Satisfaction Study) and an in-depth survey of insurance customers. Find the full methodology here.
Farmers’ rates are on the high end compared to many other big companies. Allstate’s rates are more than $1,000 lower, although Farmers and Progressive are on par with each other for high rates. The average rate nationwide is $2,604.
Farmers scored below some competitors for customer satisfaction, with 81.5% of surveyed customers reporting overall satisfaction. The winner in this category was Amica at 96.2%; only one other company, Nationwide, broke 90% in the survey.
For policy offerings, 80.5% of Farmers’ respondents reported satisfaction with the company’s policy selection. In this category, several competitors scored in the 80s, and Nationwide won the category at 96.4%.
Like the other main categories of customer satisfaction, Farmers’ score was below many competitors for ease of service, although still solid. Erie topped this category at 100%.
Of the Farmers customers surveyed, 82.9% said they’d recommend the company. At 92.9%, Erie won this category.
Farmers’ customers said they trust the company at a rate of 81.7%. It’s worth noting that Farmers’ scores in this category are up 10 percentage points over last year. At the top of the category, among ranked companies, were State Farm (89.4%) and Progressive (89%).
Farmers, with a score of 87.8%, has a high renewal rate. However, only a few companies had lower scores, with many in the 90s on this metric. State Farm topped the list at 93.4%.
Farmers scored well for claims handling, with a score of 83.6%. Only two companies scored higher in this category; the overall winner was Erie at 100% and Amica at 95.7%. Farmers’ score in the J.D. Power 2024 Property Claims Satisfaction Study is above average at 883.
Among Farmer’s customers polled, 77.8% of customers said they were satisfied with Farmers digital experience. Amica received the top score, with 92.6% of customers reporting satisfaction with the digital experience.
The Farmers app is highly rated, with 4.8 stars in the Apple App Store and 4.6 stars in the Google Play store.
Among Farmers customers, 68.3% said they were satisfied with auto and home bundling. Amica took the top slot at 89.5%.
Discounts aren’t Farmers’ top-rated area; on the survey, 62.5% said they were satisfied with the available discounts. This placed Farmers fourth from the bottom in this area. Amica scored highest at 84.6%.
*Not currently writing new policies in Florida
Farmers launched from a one-room office in downtown Los Angeles in 1928, aiming to provide quality insurance at an affordable price. Farmers then expanded to acquire New World Life Company of Seattle, becoming the first major insurance provider with interest-free monthly payment plans.
Farmers Insurance provides about 19 million individual policies. In 2021, Farmers acquired MetLife’s home and auto business. The company now serves more than 10 million households nationwide.
Farmers is the first U.S.-based insurance carrier to sign the Principles for Sustainable Insurance, a collaboration between the United Nations and global insurance companies to advance sustainable practices across the industry.
Sources:
Farmers. “About us.” Accessed March 2025.
Farmers. “Home.” Accessed March 2025.
Farmers. “Homeowners Insurance Discounts.” Accessed March 2025.
J.D. Power. “2024 U.S. Home Insurance Study.” Accessed March 2025.
J.D. Power. “2024 U.S. Property Claims Satisfaction Study.” Accessed March 2025.
Insure.com in the fall of 2024 surveyed more than 1,750 insurance consumers (1,011 people with home insurance). The survey was conducted by online market research company Slice MR.
Respondents were asked to name their home 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 measure 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 home 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.