Farmers Auto Insurance Review 2022

Jun 2, 2022

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Our Take

4.5

NerdWallet rating 

The bottom line:

One of the country's largest insurers, Farmers offers a long list of discounts and plenty of ways to customize your coverage.

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Farmers Auto Insurance
NAIC complaints
Fewer than expected
Ease of use
Above average
Discounts
Great set of discounts
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on Farmers

Pros & Cons

Pros

  • Allows you to customize your coverage to suit your needs.

  • Fewer complaints than expected for a company of its size.

  • Lots of discounts available.

Cons

  • Doesn’t offer car insurance in all states.

Full Review

Farmers is the seventh-largest auto insurer in the country. It offers the standard choices of coverage, plus a solid list of optional extras and discounts.

In addition to car insurance, Farmers sells most other lines of insurance, plus financial products such as mutual funds and annuities.

Farmers is among NerdWallet’s Best Car Insurance Companies.

Farmers auto insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it's a combination of coverage types, like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

Coverage type

What it pays for

Required?

Bodily injury and property damage liability

Costs for injuries, deaths or property damage from an accident you caused.

Typically required.

Uninsured or underinsured motorist coverage

Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all.

Often required.

Collision coverage

Repair expenses from traffic-related accidents, regardless of who's at fault.

A car loan or lease may require it.

Comprehensive coverage

Repair costs from events outside of your control, including weather events, hitting an animal while driving, theft and vandalism.

A car loan or lease may require it.

Farmers also offers these types of optional coverage:

  • 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: Repairs or replaces any 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: 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 on cars that are up to 10 years old.

  • Rideshare insurance: Companies such as Uber or Lyft typically provide limited liability insurance for drivers while the app is on, with full coverage that kicks in when you accept a ride and have passengers. Farmers rideshare insurance extends your personal auto policy to fill in the gaps, providing coverage between rides, so you’re always covered during your rideshare job.

Auto insurance discounts

Depending on where you live, you might be able to apply these discounts to your policy:

  • Good driver discount.

  • Multi-vehicle discount.

  • Multipolicy (bundling) discount.

  • Discount for being part of a professional group.

  • Good student discount.

  • Discount for driving an alternative fuel vehicle.

  • Discount for being a homeowner.

  • Discounts if your car has certain anti-theft features.

  • Discount for paying for your policy in full.

  • Paperless discount for enrolling in electronic document delivery.

  • Electronic payments discount.

  • Discount for older drivers who’ve completed a driver safety course.

Pricing based on tracked driving habits

Signal is a program that uses a smartphone app to monitor your driving behavior. You’ll receive an initial discount of 5% once you download the app and start using it, and at your next policy renewal the discount can increase up to 15% or more based on a safe driving score calculated by the app. You may also be able to earn a further discount of 10% by enrolling drivers under 25 who live in your household.

You can also activate CrashAssist, a feature that uses your cell phone’s sensors to detect when a car crash may have happened. If it identifies a potential crash, the Signal app will send you a push notification — and if you confirm you’ve been in an accident, Farmers will alert emergency services.

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How much is Farmers insurance?

A policy with full coverage insurance costs $1,745 on average per year from Farmers. But that's if you have good credit and a clean driving history without any accidents or other traffic violations. Your rate will vary based on factors like age, location and more.

To give you a better idea of what to expect, check out the average rates below, based on driving record and credit history. All rates are for full coverage insurance. See our methodology for more details.

Full coverage

Minimum coverage

Good driver, good credit

$1,745

$639

Good driver, poor credit

$2,725

$973

After an accident, good credit

$2,498

$940

After a DUI, good credit

$2,531

$954

After a speeding ticket, good credit

$2,298

$836

Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Complaints and customer satisfaction

Farmers had fewer than the expected number of complaints to state regulators relative to its size for auto insurance, according to three years’ worth of data from the National Association of Insurance Commissioners.

Farmers received an overall satisfaction score of 77 out of 100 by a pool of its customers, in a NerdWallet survey conducted online in July 2021. To put that in perspective, the average score among seven insurers was 79, and the highest was 83.

Farmers was rated below average for consumer satisfaction with the auto insurance shopping experience in a 2021 J.D. Power study. Customer satisfaction was above average for auto insurance claims.

2021 J.D. Power study

Farmers ranking

Auto insurance shopping

No. 5 out of 8 companies.

Auto insurance claims satisfaction

No. 5 out of 18 companies.

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More about Farmers auto insurance 

Website: You can connect with an agent, get a quote, report and track claims and pay your bill on the Farmers site. You’ll find ample resources to help with your claim, as well as a checklist of what to do in a car accident.

Mobile app: You can pay your insurance bill, update payment options, get your agent’s contact information, 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.

Life, homeowners and renters insurance from Farmers

Farmers offers multiple coverage options for homeowners to choose from. To learn about policies and discounts, check out our Farmers homeowners insurance review.

A Farmers renters insurance policy includes the basic types of coverage, plus a few optional extras. Find out more by reading our Farmers renters insurance review.

Farmers sells term, whole and universal life insurance policies, as well as accidental death insurance. To compare these options, see our Farmers life insurance review.

Other insurance from Farmers

Farmers sells these types of insurance:

  • Boat insurance.

  • Business insurance.

  • Collectible auto insurance.

  • Flood insurance.

  • Landlord/rental property insurance.

  • Off-road vehicle insurance.

  • Motorcycle insurance.

  • Motor home or RV insurance.

  • Personal watercraft insurance.

  • Travel trailer insurance.

  • Umbrella insurance.

It also offers pet insurance through a third-party company, Pets Best.

Methodology

2021 auto insurance survey methodology

This opt-in survey of 7,586 adults ages 18 and older was conducted online by NerdWallet, July 8-26, 2021. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy with within the past 12 months, and the policy had to be in their name at the time of the survey. These brands were rated on overall satisfaction, overall value, online experience and trustworthiness on a scale of 1-100. Only brands with 100 or more qualifying respondents are reported — 300 of the respondents were current Geico policyholders.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. 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. 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.

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 a 2019 Toyota Camry L in all cases and assumed 12,000 annual miles driven.

These are rates generated through Quadrant Information Services. Your own rates will be different.

Frequently asked questions