Farmers ranks 11th nationally, making it a moderately strong choice among the best car insurance companies. The company excels for its comprehensive coverage options and customer service quality. This ranking reflects a 40-year-old male driver with good credit and no driving violations. Farmers' ranking for your profile depends on your coverage needs.
Farmers Car Insurance Review
Updated: September 26, 2025
Advertising & Editorial Disclosure
Key Takeaways
Farmers ranks 15th place for both full coverage and minimum liability coverage affordability, with monthly rates averaging $166 and $87, respectively.
The company ranks 12th nationwide for customer experience, placing it in the middle tier for overall satisfaction based on agent service and customer reviews.
Farmers ties for first place in coverage options due to its specialized add-ons like rideshare coverage and signal device discounts for safe driving habits.
Farmers Car Insurance Ratings
| Overall Score | 3.86 | 11 |
| Customer Experience | 4.16 | 12 |
| Coverage | 5.00 | 1 |
| Affordability | 3.52 | 13 |
Who Is Farmers Car Insurance Best and Worst For?
Farmers works well for drivers with DUIs, accidents or bad credit, plus those with newer or older vehicles and senior drivers. It's also solid for most adult drivers seeking affordable coverage. Young drivers and those with low incomes typically find better rates elsewhere.
Compare how Farmers stacks up for your profile below.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.17 | 9 |
Farmers Car Insurance Ratings by State
Farmers ranks among the top five insurance companies nationwide in eight out of 51 states and territories. The company doesn't claim the number one spot in any state, but it maintains strong competitive positions across multiple markets, showing consistent performance for drivers seeking reliable coverage options.
| Alabama | 3.77 | 10 |
| Arizona | 4.18 | 6 |
| Arkansas | 3.89 | 8 |
| California | 3.67 | 10 |
| Colorado | 3.51 | 10 |
| Connecticut | 3.77 | 8 |
| Delaware | 4.39 | 3 |
| Florida | 4.01 | 8 |
| Georgia | 3.78 | 10 |
| Hawaii | 4.32 | 3 |
| Idaho | 4.05 | 8 |
| Illinois | 3.93 | 7 |
| Indiana | 3.58 | 10 |
| Iowa | 3.86 | 7 |
| Kansas | 3.89 | 8 |
| Kentucky | 3.66 | 10 |
| Louisiana | 4.53 | 5 |
| Maine | 3.58 | 8 |
| Maryland | 3.91 | 7 |
| Massachusetts | 3.93 | 9 |
| Michigan | 3.50 | 10 |
| Minnesota | 3.88 | 7 |
| Mississippi | 3.78 | 9 |
| Missouri | 3.77 | 10 |
| Montana | 3.87 | 6 |
| Nebraska | 3.50 | 9 |
| Nevada | 4.35 | 4 |
| New Hampshire | 3.51 | 11 |
| New Jersey | 4.36 | 6 |
| New Mexico | 3.99 | 8 |
| North Carolina | 4.32 | 5 |
| North Dakota | 3.50 | 9 |
| Ohio | 3.60 | 10 |
| Oklahoma | 3.78 | 9 |
| Oregon | 4.21 | 8 |
| Pennsylvania | 3.50 | 11 |
| Rhode Island | 3.50 | 10 |
| South Carolina | 3.51 | 11 |
| South Dakota | 3.51 | 11 |
| Tennessee | 4.04 | 6 |
| Texas | 3.93 | 7 |
| Utah | 4.32 | 4 |
| Vermont | 3.57 | 10 |
| Virginia | 3.51 | 11 |
| Washington | 4.50 | 5 |
| West Virginia | 3.54 | 6 |
| Wisconsin | 3.50 | 11 |
| Wyoming | 4.14 | 4 |
*Ratings are based on a 40-year-old male driver with good credit and no driving violations who insures a 2012 Toyota Camry.
Farmers Car Insurance vs. Competitors
See how Farmers car insurance compares with other major national insurers:
Farmers vs. GEICO | 3.86 vs. 4.34 | GEICO beats Farmers primarily on affordability, despite Farmers' superior coverage options. |
Farmers vs. State Farm | 3.86 vs. 4.15 | State Farm is the better option overall, despite having a lower coverage score than Farmers. |
Farmers vs. AAA | 3.86 vs. 3.79 | Farmers earns a higher overall rating than AAA, primarily due to offering the best coverage options in our study. |
Farmers vs. Allstate | 3.86 vs. 3.78 | Farmers is more affordable and has better coverage options than Allstate, despite similar overall scores. |
Farmers vs. USAA | 3.86 vs. 4.86 | For military members, USAA outpaces Farmers in all categories except for coverage options. |
Farmers vs. Travelers | 3.86 vs. 4.5 | Travelers beats Farmers with superior rates and customer reputation, though Farmers offers better coverage options. |
Farmers vs. Progressive | 3.86 vs. 4.2 | Progressive beats Farmers in most categories except coverage options. |
How Much Does Farmers Car Insurance Cost?
Farmers' car insurance costs vary widely, ranging from $82 to $2,686 monthly based on your profile and coverage choices. To find the best rate for your situation, check the national costs below by age group, gender, coverage, credit score and driving record.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Select
Coverage Level:100/300/100,000 - 1000 comp_coll
| $469 | $5,623 | 35% | 15 |
Farmers Car Insurance Rates by Driver Category
Farmers ranks among the more expensive options for most driver categories, including young drivers, seniors and those with violations. Most drivers will find the cheapest car insurance companies offer better rates than Farmers. Review how affordable Farmers is for your driving category in the table below.
| Adult Drivers | $78 | $152 | 26% | 13 |
| Young Drivers | $220 | $409 | 40% | 16 |
| Senior Drivers | $103 | $183 | 23% | 12 |
| Drivers With An Accident | $125 | $236 | 35% | 14 |
| Drivers With A DUI | $157 | $286 | 36% | 13 |
| Drivers With A Speeding Ticket | $103 | $199 | 31% | 14 |
| Drivers With Bad Credit | $160 | $337 | 10% | 13 |
| Drivers With Low Income | $109 | $230 | 26% | 13 |
| Adult Drivers | $81 | $157 | 29% | 12 |
| Drivers With Newer Cars | $115 | $220 | 55% | 15 |
| Drivers With Old Cars | $73 | $139 | 27% | 13 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
Farmers Car Insurance Rates by State
Farmers rates vary from $26 to $336 monthly across states. The company ranks among the top five most affordable options in four states and territories nationwide. See Farmers' affordability and pricing in your area below.
| Alabama | $72 | $154 | 44% | 12 |
| Arizona | $81 | $155 | 17% | 10 |
| Arkansas | $61 | $137 | 24% | 10 |
| California | $93 | $237 | 45% | 12 |
| Colorado | $90 | $210 | 48% | 11 |
| Connecticut | $138 | $202 | 49% | 8 |
| Delaware | $76 | $123 | -30% | 4 |
| Florida | $120 | $336 | 33% | 9 |
| Georgia | $128 | $183 | 47% | 12 |
| Hawaii | $35 | $72 | -7% | 3 |
| Idaho | $42 | $88 | 13% | 9 |
| Illinois | $64 | $124 | 26% | 10 |
| Indiana | $64 | $118 | 46% | 11 |
| Iowa | $42 | $110 | 17% | 9 |
| Kansas | $58 | $134 | 19% | 9 |
| Kentucky | $157 | $197 | 70% | 12 |
| Louisiana | $154 | $210 | 9% | 8 |
| Maine | $43 | $89 | 17% | 9 |
| Maryland | $94 | $164 | 9% | 8 |
| Massachusetts | $40 | $103 | -0% | 9 |
| Michigan | $94 | $195 | 44% | 12 |
| Minnesota | $61 | $118 | 17% | 8 |
| Mississippi | $81 | $167 | 38% | 11 |
| Missouri | $155 | $218 | 101% | 12 |
| Montana | $47 | $143 | 21% | 6 |
| Nebraska | $76 | $173 | 66% | 12 |
| Nevada | $85 | $160 | 5% | 9 |
| New Hampshire | $74 | $135 | 67% | 12 |
| New Jersey | $103 | $142 | -15% | 5 |
| New Mexico | $66 | $143 | 26% | 9 |
| North Carolina | $50 | $100 | -4% | 6 |
| North Dakota | $80 | $153 | 80% | 11 |
| Ohio | $54 | $109 | 32% | 12 |
| Oklahoma | $76 | $164 | 29% | 9 |
| Oregon | $71 | $138 | 21% | 11 |
| Pennsylvania | $121 | $268 | 137% | 12 |
| Rhode Island | $130 | $202 | 69% | 11 |
| South Carolina | $154 | $305 | 134% | 12 |
| South Dakota | $61 | $154 | 56% | 12 |
| Tennessee | $53 | $104 | 5% | 6 |
| Texas | $66 | $199 | 23% | 8 |
| Utah | $65 | $131 | 1% | 6 |
| Vermont | $55 | $96 | 44% | 12 |
| Virginia | $138 | $202 | 127% | 12 |
| Washington | $47 | $108 | -2% | 6 |
| West Virginia | $80 | $147 | 38% | 8 |
| Wisconsin | $52 | $149 | 64% | 12 |
| Wyoming | $26 | $85 | 4% | 5 |
*Rates are based on a 40-year-old male driver with good credit, no driving violations and a 2012 Toyota Camry.
Farmers Car Insurance Discounts
Farmers offers 23 car insurance discounts, with average savings of up to 35% depending on your driving habits, policy choices and vehicle features. Check out its offerings:
Multi-Policy/Bundle | Up to 10% | Bundle auto with home, renters, life or umbrella insurance | Available nationwide |
Multi-Car | Variable | 2+ vehicles on same policy | Available nationwide |
Signal Telematics | Up to 30-35% | Download mobile app to track driving behavior including speed, braking, acceleration, distracted driving | Available in select states |
Safe Driver | Up to 25% | Clean driving record for at least 3 years with no accidents or violations | Available nationwide |
Good Student | Variable | Full-time students with 3.0+ GPA, Dean's List, Honor Roll, or top 20% of class/test scores | Available nationwide |
Good Payer | Variable | No late payment fees in past 12 months | Available nationwide |
Homeowner | Variable | Own a home (even if insured elsewhere) | Available nationwide |
Distant Student | Variable | Full-time student living 100+ miles from home without vehicle access | Available nationwide |
Military | Variable | Active duty, reserves, retired, or honorably discharged veterans | Available nationwide |
Mature Driver | Up to 10% | Age 55+ who completed approved defensive driving course in past 3 years | Available nationwide |
Affinity/Group | Variable | Member of partner organization or employee of partner company | Available nationwide |
New Vehicle | Variable | Brand-new vehicle with latest safety features | Varies by state |
Alternative Fuel | Variable | Hybrid or electric vehicles | Only available in California |
Shared Family Car | Variable | More active drivers than vehicles in household with unmarried driver under 20 | Available nationwide |
On Your Own | Variable | Previously listed as named driver on family member's Farmers policy | Available nationwide |
Youthful Driver | Variable | Driver under 25 on policy in force for at least 12 months | Available nationwide |
EFT/Electronic Payment | Variable | Set up automatic electronic payments | Available nationwide |
Pay in Full | Variable | Pay entire premium upfront | Available nationwide |
ePolicy | Variable | Receive bills and statements electronically | Available nationwide |
Anti-Lock Brakes | Variable | Factory-installed ABS system | Varies by state |
Anti-Theft Device | Variable | Qualifying anti-theft systems like LoJack | Varies by state |
Passive-Restraint | Variable | Factory-installed passive restraint devices like motorized seatbelts | Varies by state |
Daytime Running Lights | Variable | Vehicle equipped with daytime running lights | Varies by state |
Farmers Car Insurance Customer Reviews and Reputation
Farmers ranks 12th in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer reviews highlight mixed experiences, with many praising helpful local agents and responsive service representatives. Claims processing generates more complaints than other areas, with customers citing delays and communication issues during the claims journey.
The following sections break down buying, policy management and claims process experiences based on MoneyGeek's research.
Buying Process Experience
Farmers primarily sells through captive agents who focus exclusively on Farmers' products, providing personalized service and local expertise. The online quote system is available, but it often directs you to speak with an agent for policy completion. Agents are knowledgeable about unique coverage options like rideshare and new car replacement, though availability and quality can vary by location. The buying process tends to be more thorough but takes longer than direct online competitors.
Policy Management
The Farmers mobile app and website handle basic policy management tasks like payments and document access, though the interface feels dated compared to newer digital-first insurers. Many policy changes require contacting your agent, which can slow down simple updates but ensures proper coverage review. The Signal usage-based program tracks driving behavior through the app, offering discounts for safe drivers.
Claims Experience
Farmers offers 24/7 claims reporting through phone or mobile app, with the option to work directly with your local agent throughout the process. The company's repair network includes certified shops, though customer satisfaction with claims handling varies more than industry leaders. Some policyholders appreciate having their agent advocate during the claims process, while others report frustration with slower response times and more complex approval procedures for certain repairs.
Farmers Car Insurance Industry Customer Satisfaction Ratings
Farmers ranks well for financial strength from all industry rating agencies, but does fall behind in other industry ratings like J.D. Power studies. Here are Farmers's scores from industry agencies.
AM Best Financial Strength | A (Excellent) | A++ to D- | Excellent financial strength and ability to meet ongoing obligations |
AM Best Long-Term Credit Standing | A | AAA to D | Excellent long-term credit quality |
S&P Global Financial Strength | A | AAA to D | Strong financial security characteristics |
Moody's Financial Strength | A3 | AAA to C | Upper-medium grade with low credit risk |
J.D. Power Auto Claims Satisfaction | 706/1,000 | 1,000-point scale | Above average (industry average: 697) |
J.D. Power Digital Service Experience | 678/1,000 | 1,000-point scale | Below average (699) |
J.D. Power Auto Insurance Shopping Study | 662/1,000 (11th of 18) | Out of 1,000 | 11th out of 18 companies with a slightly lower than average experience |
J.D. Power Overal Customer Satisfaction | 641/1,000 | Out of 1,000 | Below average in almost all regions studied |
NAIC Auto Complaints | 3.01 | 1.00 is average | Much higher number of complaints than expected |
Farmers Car Insurance Reddit and Forum Customer Satisfaction
Farmers customers on Reddit and online forums appreciate the company's local agent network, comprehensive coverage options and personalized service approach, valuing the face-to-face relationship and knowledgeable agents who understand their specific needs.
Common complaints center on higher-than-average premiums, inconsistent claim experiences that vary significantly by location, and outdated digital tools that lag behind competitors.
Here's what real customers are saying about their experiences on forums:
Pricing and Value
Generally higher premiums than competitors, though some customers feel the agent service justifies the cost:
"Farmers definitely costs more than the big direct writers, but my agent actually knows my situation and helps me save money where possible. Worth paying extra for someone who cares about getting it right."
Claims Processing
Highly variable claim experiences depending on local adjusters and regional offices:
“Had a great claim experience with Farmers, adjuster was professional, settlement was fair and everything moved quickly. But I've heard horror stories from friends in other states with the same company.”
Customer Service
Strong local agent relationships, though quality varies by individual agent:
"My Farmers agent is fantastic, she reviews my policy annually, explains changes clearly and actually saved me money by adjusting my coverage. Personal service you can't get from a call center."
Digital Experience
The Farmers mobile app receives strong ratings with 4.8 out of 5 on the Apple App Store and 4.7 out of 5 on Google Play. Basic functions work, but the app feels outdated compared to competitors:
"Farmers app is functional but basic. I can pay my bill and view my policy, but it's clunky and missing features that other companies have had for years. Feels like they're behind the times."
Trust and Reputation
Solid brand recognition with mixed feelings about recent corporate changes:
"Farmers has been around forever and I trust the name, but they seem to be cutting costs and raising prices lately. Not sure if they're still the same company my parents used."
"Local agent keeps me with Farmers, but the corporate side feels disconnected. They're making changes without considering how it affects long-term customers."
Coverage Options
Extensive coverage options are available, though agents sometimes push unnecessary add-ons:
"Farmers offers pretty much every coverage option you can think of. My agent does a good job explaining what I need versus what's nice to have, but I've heard other agents are more sales-focused."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, the National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Farmers Car Insurance Coverage Options
Farmers provides standard coverages like other major insurers, including liability, comprehensive and collision insurance. Additional add-ons from the company include:
Vehicle Replacement Plus | For new cars (under 2 years/24,000 miles): replaces with new car. For older cars: replaces with newer model with 20,000 fewer miles | Includes gap coverage for loan payoff; covers cars up to 24,000 miles or 2 model years; pays for newer replacement on older vehicles |
Accident Forgiveness | Prevents rate increases after first at-fault accident every three years for qualified drivers | Free after 36 months as Farmers Flex customer; forgives one accident every 3 years; applies to all drivers on policy including teens |
Declining Deductible | Reduces collision deductible by $50 (6-month policy) or $100 (annual policy) for each claim-free renewal period | Free after 36 months as Farmers Flex customer; maximum reduction varies by policy; helps lower out-of-pocket costs over time |
Customized Equipment Coverage | Covers aftermarket modifications like custom stereos, wheels, spoilers, and other non-factory equipment | Must be purchased with comprehensive or collision; protects investment in vehicle customization; covers theft and damage |
Extends personal auto policy to cover gaps when driving for Uber, Lyft, or food delivery services | Covers period when app is on but no passenger assigned; bridges gap between personal and commercial coverage | |
Standard Roadside Assistance | 24/7 towing (up to 20 miles), jump-starts, flat tire changes, lockout service, fuel delivery | Basic towing coverage; available nationwide; accessible through Signal app or phone |
Enhanced Roadside Assistance | Upgraded roadside services with extended towing (up to 100 miles) plus mobile battery testing and rideshare funds | Includes mobile battery testing/installation; rideshare funds to continue your trip; extended towing distance |
Loss of Use Coverage | Provides flat payment for alternative transportation (rental cars, rideshares, public transit, taxis) while your car is being repaired | More flexible than standard rental reimbursement; covers various transportation options; maximum 30 days coverage |
Glass Deductible Buyback | Reduces deductible for windshield and glass repairs/replacement to $100 | $100 deductible for glass claims; Full Windshield and Glass Coverage available with $0 deductible |
Original Equipment Manufacturer (OEM) Parts | Ensures factory-original parts are used in covered repairs instead of aftermarket alternatives | Available for cars up to 10 years old; guarantees highest-quality replacement parts; maintains vehicle value |
Personal Umbrella Policy | Provides additional liability protection beyond auto and home policy limits | Increases liability limits up to $10 million; covers legal fees and major loss claims; supplements existing coverage |
Other Farmers Insurance Coverage Options to Consider
Here are other insurance types you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
Farmers (Directly Offered) | Auto insurance, home insurance, renters insurance, condo insurance, specialty home insurance, motorcycle insurance, recreational vehicle insurance, boat insurance, personal umbrella insurance, business owner's policy, commercial auto insurance, workers' compensation insurance, general liability insurance, commercial property insurance, commercial umbrella insurance, term life insurance, whole life insurance, universal life insurance, indexed universal life insurance, accidental death insurance |
Third-Party Partner | Pet insurance, travel insurance, health insurance, dental insurance, vision insurance |
Farmers Auto Insurance Review: Bottom Line
Farmers is a reliable and reasonably affordable insurance provider with extensive add-on coverage options. It ranks well overall in our study of providers, earning the ninth overall spot for full coverage and 10th for minimum coverage.
Compare quotes from multiple insurers, research your coverage needs and choose the right coverage level before purchasing.
Farmers Car Insurance Reviews: FAQ
Here are MoneyGeek’s expert answers to frequently asked questions about Farmers car insurance:
Does Farmers insurance have a good reputation?
Yes, Farmers is a legitimate car insurance company that secured 11th place in our comprehensive car insurance provider analysis. The company excels in coverage options, ranking first nationally in this category.
Where is Farmers the best car insurance company?
Farmers doesn't rank first overall in any states, however it does earn a top five rating in eight states.
How much does Farmers car insurance cost on average?
Adults pay an average of $1,073 annually for Farmers minimum coverage and $2,015 for full coverage. Farmers rates span $978 to $12,190 for minimum and $1,994 to $22,214 for full coverage.
Is Farmers known for denying claims?
Customer reviews suggest Farmers faces criticism for claim denials, with some policyholders reporting disputes over coverage decisions and lengthy processing times. However, comprehensive data on their claim denial patterns remains limited beyond individual customer experiences.
Note: This represents limited information based primarily on forum reviews.
Is Farmers a good option for high-risk drivers?
Farmers isn't a good option for high-risk drivers, ranking poorly for drivers with accidents (14th overall), speeding tickets (14th overall) and DUIs (13th overall).
Does Farmers raise car insurance rates over time?
Yes, Farmers and other insurers regularly increase rates due to inflation driving up repair and medical expenses, plus rising claim costs from distracted driving and severe weather events. Rate adjustments also reflect updated risk assessments for your location, regulatory changes, and personal factors like credit score shifts, regardless of your claims history.
Is Farmers good for young drivers?
Farmers increases rates over time and isn't ideal for young drivers, ranking 16th for affordability with monthly premiums averaging $409.
How We Rated Farmers Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Apple App Store. "Farmers Ratings and Reviews." Accessed October 19, 2025.
- Google Play. "Farmers - Apps on Google Play." Accessed October 19, 2025.