Farmers
- Lots of discounts available.
- Wide variety of coverage options.
- Doesn’t offer car insurance in all states.
- May be more expensive than other companies.
NerdWallet's take on Farmers auto insurance
Farmers earned 4.6 stars out of 5 for its extensive selection of car insurance coverages, as well as a long list of available discounts.
Best for: Drivers who want a lot of discounts or need optional types of coverage.
Not ideal for: Drivers who don’t want a high premium. (While Farmers offers a lot of discounts, its average rates are often much higher than other large companies'.)
Where Farmers car insurance stands out
Available discounts. Farmers lists almost 20 discounts on its website, although availability depends on where you live. That means you might be able to save a lot of money on a policy from one of the nation’s largest insurers.
Optional coverage. In addition to a long list of discounts, Farmers also offers types of coverage that cater to many different drivers. Rideshare coverage, custom equipment coverage and accident forgiveness are just a few of them.
Ease of use. If you're looking for a seamless online experience, you would do well to consider Farmers. The company lets you make payments and start and track claims online. It also lets you manage your policy through its app, which is rated highly by both Apple and Google Play.
Where Farmers car insurance falls short
High prices. Farmers was consistently among the most expensive options in our rates comparisons. While this company offers a lot of discounts, that might not be enough to compensate for its above-average prices.
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How much does Farmers car insurance cost?
Farmers car insurance costs an average of $323 per month or $3,875 per year for a full coverage policy, according to NerdWallet’s November 2025 analysis. The national average is $2,300 per year.
Our analysis also found that Farmers car insurance costs an average of $101 per month or $1,214 per year for minimum coverage. The national average is $627 per year.
Farmers car insurance rates vs. other large insurers
Farmers’s car insurance rates are generally the most expensive when compared to other large U.S. insurers. Below are average annual rates for a full coverage policy for a 35-year-old driver with a clean driving history and good credit.
» MORE: Compare car insurance rates
Farmers auto insurance rates by age
Your age plays a big part in how much you’ll pay for insurance. Rates are usually highest for teens and drivers in their 20s, then decrease over time. Our analysis found that rates from Farmers follow the same trend but are often significantly more expensive than the national average.
Here are Farmers's average car insurance rates for drivers of different ages:
20-year-olds
Farmers: $7,972/year National: $4,684/year
The average cost of Farmers car insurance for 20-year-old drivers is $7,972 per year, or $664 per month. That's significantly higher than the national average for this age group, which is $4,684 per year, or $390 per month.
Our analysis also found that Farmers's rates for 20-year-old drivers are much higher when compared to other large auto insurers.
40-year-olds
Farmers: $3,808/year National: $2,232/year
The average cost of Farmers car insurance for 40-year-old drivers is $3,808 per year, or $317 per month. That's higher than the national average for this age group, which is $2,232 per year, or $186 per month.
Our analysis also found that Farmers's rates for 40-year-old drivers are more expensive when compared to other large auto insurers.
60-year-olds
Farmers: $3,207/year National: $1,988/year
The average cost of Farmers car insurance for 60-year-old drivers is $3,207 per year, or $267 per month. That's higher than the national average for this age group, which is $1,988 per year, or $166 per month.
Our analysis also found that Farmers's rates for 60-year-old drivers are more expensive when compared to other large auto insurers.
- More Farmers auto rates by age
Age Farmers median rate National median rate 20 $7,972 $4,684 30 $3,969 $2,375 35 $3,875 $2,300 40 $3,808 $2,232 50 $3,492 $2,074 60 $3,207 $1,988 70 $3,517 $2,125
Farmers auto insurance rates by driver profile
Your driving history also affects what you can expect to pay for car insurance coverage. While some insurers might offer competitive rates for a particular type of driver, our analyses found that Farmers was consistently among the most expensive insurers in each comparison.
Below are Farmers's average full coverage rates for 35-year-old drivers.
Poor credit
Farmers: $7,170/year National: $3,850/year
The average cost of Farmers car insurance for drivers with poor credit is $7,170 per year, or $598 per month. That's significantly higher than the national average, which is $3,850 per year, or $321 per month.
Our analysis also found that Farmers's rates for drivers with poor credit are the most expensive when compared to other large auto insurers.
(California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket
Farmers: $4,881/year National: $2,931/year
The average cost of Farmers car insurance for drivers with a speeding ticket is $4,881 per year, or $407 per month. That's significantly higher than the national average, which is $2,931 per year, or $244 per month.
Our analysis also found that Farmers's rates for drivers with a speeding ticket are the most expensive when compared to other large auto insurers.
At-fault crash
Farmers: $6,001/year National: $3,405/year
The average cost of Farmers car insurance for a driver with an at-fault crash is $6,001 per year, or $500 per month. That's significantly more expensive than the national average, which is $3,405 per year, or $284 per month.
Our analysis also found that Farmers's rates for drivers with an at-fault crash are the most expensive when compared to other large auto insurers.
DUI
Farmers: $7,156/year National: $4,265/year
The average cost of Farmers car insurance for a driver with a DUI is $7,156 per year, or $596 per month. That's a lot higher than the national average, which is $4,265 per year, or $355 per month.
Our analysis also found that Farmers's rates for drivers with a DUI are the most expensive when compared to other large auto insurers.
Farmers auto insurance discounts
Depending on your state, you may be able to save on auto insurance by:
Meeting Farmers' requirements for a good driver.
Staying accident-free for five years. (This includes everyone in the household.)
Meeting Farmers' requirements for a good student.
Having a student under 23 who attends school more than 100 miles away and leaves their vehicle at home.
Insuring multiple vehicles with Farmers.
Having a driver under 20 and also having more active drivers than vehicles in the household.
Buying multiple policies with Farmers (bundling).
Having a driver under 25 (either a child or grandchild) in the same household.
Being under 29 and leaving your family’s Farmers policy to start your own.
Being a member of the military.
Belonging to certain professional groups.
Renewing your policy with no more than one claim in the past 12 months.
Renewing your policy with Farmers without having made a late payment.
Owning a home.
Having a car with certain anti-theft features.
Paying your policy in full.
Enrolling in paperless document delivery.
Signing up for autopay.
Completing a driver safety course (for older drivers only).
Signing up for Farmer’s Signal app, which tracks your driving habits.
Farmers may offer additional discounts in your state.
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Read our cheap car insurance article to see average minimum car insurance rates by company and state.
Farmers car insurance coverage
Farmers's full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
Farmers also offers several types of optional coverage, such as:
Rental car reimbursement. This covers up to 30 days of rental car fees while your vehicle is in the shop after a covered claim.
New car replacement. If your new car is totaled within the first two model years and 24,000 miles of ownership, Farmers pays to replace it with a new one.
Accident forgiveness. The insurer forgives one at-fault accident for every three years you drive without an accident, meaning your rate won’t go up.
Loss of use. When your car is in the shop or totaled after an accident, Farmers reimburses you for a rental, cabs, rideshares or public transit. Most companies’ coverage pays only for a rental car.
Customized equipment coverage. Farmers will repair or replace custom parts you’ve installed in your car, such as chrome rims or a new stereo system, if they’re stolen or damaged. You must have comprehensive and collision coverage to add this to your policy.
Original equipment manufacturer coverage. This coverage pays for replacement parts from your car’s manufacturer if you're in a covered wreck, rather than cheaper aftermarket parts. OEM coverage is available only on cars that are up to 10 years old.
Rideshare insurance. Typically, companies like Uber and Lyft provide limited liability insurance when drivers accept a ride and have passengers. Farmers’ rideshare insurance extends your personal auto policy to include the time between rides so you’re always covered during your rideshare job.
When shopping for car insurance, it's important to understand what coverage you want and what you’re required to buy. Most states require a minimum amount of car insurance to drive a vehicle, but if you can afford it, we recommend getting full coverage insurance.
Farmers’ Signal program
Farmers uses its Signal app to track driving behavior like phone use or your braking habits. You’ll receive a discount for enrolling in the program, and you might receive additional savings if you maintain safe driving habits. However, you may end up paying more if the app finds you to be a riskier driver.
The Signal app also includes CrashAssist, which can help detect when you’ve been in an accident to alert emergency services.
Is Farmers a good insurance company?
We found that Farmers tends to score close to average when it comes to complaints and consumer satisfaction surveys.
Complaints: Farmers received close to the expected number of complaints for a company of its size, according to analysis of three years of data from the National Association of Insurance Commissioners.
Shopping: Farmers was ranked No. 11 out of 18 companies in J.D. Power's 2025 Auto Insurance Shopping Study, which puts it just below the average. This study measures how shoppers feel about a company's buying process.
Claims satisfaction: Farmers was ranked No. 17 out of 20 companies in J.D. Power's 2025 Auto Insurance Claim Satisfaction study. This survey measures how customers feel about an insurer's claims process.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
More information about Farmers car insurance
Customer service: Call 888-327-6335 or log into your account to send a message. You can also use the website’s chat feature.
Website: You can connect with an agent, get a quote, report and track claims and pay your bill on the Farmers site. You’ll also find ample resources to help with your claim, including a checklist on how to file one.
Mobile apps: Farmers’s mobile app lets you pay your insurance bill, update payment options, contact your agent, view policy details and get access to digital insurance ID cards when you need proof of insurance. You can also report claims and request roadside assistance in the app.
Other Farmers insurance reviews
Farmers pet insurance (offered by Farmers through Pets Best).
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
Does Farmers insurance cover rental cars?
Does Farmers insurance cover rental cars?
Yes, Farmers offers rental car reimbursement. If you add this coverage to your policy, Farmers will cover up to 30 days of rental car use while your vehicle is in the shop.
How do I get a car insurance quote from Farmers?
How do I get a car insurance quote from Farmers?
To get a quote, call 888-327-6335 or head to Farmers’ homepage. You’ll be asked to enter your ZIP code and fill out a form with your contact details and vehicle information, including the people who will be driving it. The system will then generate a quote, taking eligible discounts into account.
Where does Farmers sell auto policies?
Where does Farmers sell auto policies?
Farmers sells car insurance in every state except Alaska, Delaware, Florida, Hawaii, Maine, New Hampshire, Rhode Island, Vermont and West Virginia. Its policies are also unavailable in Washington, D.C.
How can I file a car insurance claim with Farmers?
How can I file a car insurance claim with Farmers?
You can file a claim at any time online or by calling 800-435-7764. For a smooth process, have your policy number and the date of the accident or incident handy.
What other financial products does Farmers offer?
What other financial products does Farmers offer?
Farmers offers mutual funds, IRAs, college savings plans and annuities.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Insurance Shopping Study. Accessed Dec 19, 2025.
- 2.J.D. Power. 2025 U.S. Auto Claims Satisfaction Study. Accessed Dec 19, 2025.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
We used a 2022 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
Auto insurance survey methodology
The opt-in survey of 7,503 U.S. adults ages 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2024. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy within the past 12 months, with at least some changes to the original policy. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.
Only brands with 100 or more qualifying respondents are reported. Of those respondents: 300 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were GEICO customers, 100 were USAA customers, 157 were AAA customers, 100 were Liberty Mutual customers, 100 were American Family customers, 100 were Farmers customers, 100 were Travelers customers and 101 were Nationwide customers.
