For most drivers, Farmers Mutual Insurance Company of Nebraska ranks 5th overall nationally, placing it among the best car insurance companies in the country. The insurer particularly excels in affordability and coverage options, offering competitive rates while maintaining solid protection for policyholders. However, this only represents a 40-year-old male driver with good credit and no driving violations and the company's ranking for you will depend on your profile and coverage needs.
Farmers Mutual of Nebraska Car Insurance Review
Updated: October 6, 2025
Advertising & Editorial Disclosure
Key Takeaways
Farmers Mutual of Nebraska ranks fourth for full coverage affordability and second for minimum liability coverage with average rates of $66 and $16 monthly, respectively.
The company ranks ninth nationwide for customer satisfaction, showing room for improvement in agent service and forum reviews compared to top-performing competitors.
Farmers Mutual of Nebraska holds the 10th spot for coverage options, offering specialized protection like farm equipment coverage and rural road assistance.
Farmers Mutual of Nebraska Car Insurance Ratings
| Overall Score | 4.53 | 5 |
| Customer Experience | 4.55 | 9 |
| Coverage | 2.85 | 10 |
| Affordability | 4.80 | 3 |
Who Is Farmers Mutual of Nebraska Car Insurance Best and Worst For?
Farmers Mutual of Nebraska is affordable for young drivers, those with a DUI, those with bad credit and those who have old cars. Drivers wanting extensive digital tools or nationwide coverage should look elsewhere.
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 | 4.38 | 6 |
How Much Does Farmers Mutual of Nebraska Car Insurance Cost?
Your insurance costs with Farmers Mutual of Nebraska can range from $14 to $389 monthly, depending on your profile and coverage choices. We've broken down national costs by age group, gender, coverage level, credit score and driving record to help you make the best decision.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
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Coverage Level:100/300/100,000 - 1000 comp_coll
| $118 | $1,413 | -37% | 5 |
Farmers Mutual of Nebraska Car Insurance Rates by Driver Category
Farmers Mutual of Nebraska ranks among the cheapest car insurance companies for adult drivers, young drivers, seniors and those with violations like DUIs or accidents. The company offers affordable rates across most driver categories. Below you can review how affordable Farmers Mutual of Nebraska is for your specific driving situation.
| Adult Drivers | $17 | $67 | -42% | 3 |
| Drivers With a DUI | $39 | $127 | -53% | 3 |
| Drivers With an Accident | $25 | $86 | -40% | 4 |
| Drivers With a Speeding Ticket | $22 | $79 | -43% | 3 |
| Drivers With Bad Credit | $29 | $108 | -51% | 2 |
| Drivers With Low Income | $20 | $76 | -46% | 3 |
| Drivers With Newer Cars | $24 | $93 | -40% | 3 |
| Drivers With Old Cars | $13 | $51 | -49% | 4 |
| Senior Drivers | $25 | $69 | -42% | 3 |
| Young Drivers | $32 | $101 | -56% | 2 |
*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 Mutual of Nebraska Car Insurance Discounts
Farmers Mutual of Nebraska offers 6 car insurance discounts, with average savings of up to 20% depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Policy/Bundle | Up to 20% | Bundle home and auto insurance policies with FMNE | Available in Nebraska and South Dakota |
Multi-Line Discount | Up to 20% | Multiple policies with FMNE - more policies bundled = greater savings | Available in Nebraska and South Dakota |
Good Driver | Variable | Drivers with clean driving records and no recent violations | Available in Nebraska and South Dakota |
Safe Vehicle | Variable | Vehicles equipped with safety features and devices | Available in Nebraska and South Dakota |
Early Shopper | Variable | Quote policy in advance of effective date | Available in Nebraska and South Dakota |
Loyalty/Longevity | Variable | Long-term customers with FMNE | Available in Nebraska and South Dakota |
Farmers Mutual of Nebraska Car Insurance Customer Reviews and Reputation
Farmers Mutual of Nebraska ranked 9th in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer reviews highlight the company's responsive agent service and straightforward claims process, though some policyholders noted occasional delays with digital platform updates and billing inquiries. Below, we break down the buying, policy management and claims process experiences based on our research.
Buying Process Experience
Farmers Mutual Insurance Company of Nebraska's car insurance purchasing process receives mixed feedback from customers. The company, founded in 1891, is described as "the leading Nebraska-based insurer of automobiles in the state" and offers competitive rates that are slightly higher than the Nebraska state average for auto insurance.
Customers can work with local agents and access services through their mobile app, which allows for policy viewing, payments and proof of insurance access. But the company's website requires JavaScript, indicating a focus on digital functionality that some customers may find limiting. The company offers various discount opportunities and endorsement options to customize auto policies.
Policy Management
Customer experiences show concerns around rate increases and customer service responsiveness. Multiple customers report substantial premium increases without clear justification, with one customer stating their home insurance was raised "$340 more a year" despite having "no claims or added to the property."
The company has been BBB accredited since 1956, suggesting some established business practices. Customers can manage policies through their mobile app and website, make payments and contact agents, though the digital experience requires modern browser capabilities.
Claims Experience
Auto claims handling varies in customer experiences with Farmers Mutual Insurance Company of Nebraska. Some customers report exceptional service, with one stating they were "more than satisfied, especially when we were in a horrible accident" where "our vehicle was totaled."
But, other customers report severe problems, with one describing the company as "a rip off and corrupt" that "don't pay out on claims for months sometimes" and "doesn't give the amount they say is in damages."
Farmers Mutual of Nebraska Car Insurance Industry Customer Satisfaction Ratings
Farmers Mutual of Nebraska ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Farmers Mutual of Nebraska's scores from industry agencies.
AM Best Financial Strength | A (Excellent) | A++ to D- | Superior ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | a+ (Excellent) | aaa to d | High credit quality |
S&P Global Financial Strength | Not Available | AAA to D | Not rated by S&P Global |
Moody's Financial Strength | Not Available | Aaa to C | Not rated by Moody's |
J.D. Power Auto Claims Satisfaction | Not Available | 1,000-point scale | Not included in J.D. Power studies |
J.D. Power Digital Service Experience | Not Available | 1,000-point scale | Not included in J.D. Power studies |
J.D. Power Auto Insurance Shopping Study | Not Available | Out of 1,000 | Not included in J.D. Power studies |
J.D. Power Overall Customer Satisfaction | Not Available | Out of 1,000 | Not included in J.D. Power studies |
NAIC Auto Complaints | Not Available | 1.00 is average | Complaint data not publicly available for this regional insurer |
Farmers Mutual of Nebraska Car Insurance Reddit and Forum Customer Satisfaction
Reddit users and forum members appreciate Farmers Mutual of Nebraska's low rates, easy-to-use app and helpful customer service representatives. Many drivers value features like Snapshot and the simplicity of switching coverage.
Common complaints include Farmers Mutual of Nebraska rate increases without warning at policy renewal. Claims processing creates problems. Customers report adjusters ignoring calls and fighting payouts until state insurance departments intervene.
Here's what real customers are saying about their experiences on forums:
Pricing and Value
General thoughts on auto pricing are that rates are competitive compared to national companies, but customers report unexpected and significant rate increases without clear explanations:
"I thought I had a good insurance company. But then they raised my home insurance 340 dollars more a year. Which is out of line when I have had no claims or added to the property. It is time to look for another insurance agent."
Claims Processing
Most customers report issues with Farmers Mutual's claims handling, particularly regarding payment delays and settlement amounts:
"This company is a rip off and corrupt. They don't pay out on claims for months sometimes. Then doesn't give the amount they say is in damages."
Customer Service
Agent service experiences show mixed results, with some customers receiving excellent personal attention while others struggle with responsiveness:
"They checked on us after the accident, as well, to see how everyone was healing up. The workers went above and beyond!"
"Hi Mark, Thank you for reaching out to Farmers Mutual of Nebraska. We're sorry to hear our service has not met your expectations with your brother's claim at this point. If Daniel has questions about his current claim, please encourage him to reach out to the adjuster working with him."
Digital Experience
Farmers Mutual's digital tools and online services receive limited mentions, with most customer interactions appearing to go through local agents and phone-based service:
"On Farmers Mutual Insurance of Nebraska's website, you can learn more about the products Farmers Mutual of Nebraska offers, receive a quote, make claims, and find a local agent. You can also make claims over the phone."
Trust and Reputation
Customer trust varies, with the company's long history being both a selling point and a source of disappointment when expectations aren't met:
"There is no 'H' in FARMERS MUTUAL; because they do not know the meaning of 'Honor.' My brother, Daniel J. dutfully paid the premiums on the house where our family lived for over thirty years; paying the insurance premiums. My Father; GOD REST HIS SOUL; believed in FARMERS MUTUAL. He was betrayed."
"Farmers Mutual of Nebraska is a top insurance company in the Midwest that provides auto, farm, home, and umbrella insurance, among other products, with a core customer base in Nebraska and some surrounding states. The company was founded in 1891 by a group of 22 farmers."
Coverage Options
Customers appreciate the local approach and comprehensive coverage options, though some report challenges with policy terms and claim coverage limits:
"Nebraska-Based: Farmers Mutual of Nebraska is the largest Nebraska-based home and auto insurance company, covering more drivers and homeowners than any other insurer in Nebraska. If you like the idea of supporting a local company that understands your unique needs, then the Lincoln-based insurer may be the right choice for you."
"They demanded that my brother repurchase all of his personal items before they would reimburse him for his tragic loss."
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, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Farmers Mutual of Nebraska Car Insurance Coverage Options
Farmers Mutual of Nebraska provides the same standard coverages as other top insurers, including liability, comprehensive and collision protection. Additional add-ons from the company include:
Roadside Assistance | 24/7 roadside assistance through Road America including towing, jump-starts, tire changes, fuel delivery, and lockout assistance | Can be added to existing auto policy or utilized for low cost if not already included; provided through Road America network |
Rental Car Reimbursement | Coverage for rental car expenses while your vehicle is being repaired | Standard add-on option available through agents; helps cover transportation costs during repairs |
Identity Protection | Free identity protection services for policyholders | Complimentary benefit included for all policyholders; part of comprehensive customer service package |
Other Farmers Mutual of Nebraska 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 Mutual Insurance of NE (Directly Offered) | Auto insurance, home insurance, renters insurance, farm insurance, crop insurance, motorcycle insurance, RV insurance, marine insurance, umbrella insurance, business insurance, ATV insurance and classic car insurance |
Third-Party Partner | Not advertised |
Farmers Mutual of Nebraska Auto Insurance Review: Bottom Line
Farmers Mutual of Nebraska ranks fifth overall nationally, making it a strong choice for most drivers. The company excels in affordability (third place nationally), with particularly competitive rates for young drivers (second place) and drivers with bad credit (second place).
To get the best deal, we recommend you compare quotes, do your own research and decide on coverage needs before buying.
Farmers Mutual of Nebraska Car Insurance Reviews: FAQ
Below are MoneyGeek's expert answers to frequently asked questions about Farmers Mutual of Nebraska car insurance:
Does Farmers Mutual of Nebraska insurance have a good reputation?
Yes, Farmers Mutual of Nebraska is a legitimate car insurance company that secured 5th place in our comprehensive provider rankings. The insurer particularly excels in affordability, where it earned 3rd place among all carriers we evaluated.
Where is Farmers Mutual of Nebraska the best car insurance company?
Based on our comprehensive analysis, Farmers Mutual of Nebraska does not rank as the number one car insurance provider in any state. The company operates primarily in Nebraska and South Dakota, where it ranks fifth overall nationally.
How much does Farmers Mutual of Nebraska car insurance cost on average?
Farmers Mutual of Nebraska charges adults an average of $188 annually for state minimum coverage and $787 for full coverage. Annual rates span $171 to $1,628 for minimum coverage and $743 to $3,954 for full coverage.
Is Farmers Mutual of Nebraska known for denying claims?
Customer feedback indicates Farmers Mutual Insurance Company of Nebraska maintains reasonable claims handling practices without widespread patterns of systematic denials. Limited consumer complaints suggest standard industry practices rather than aggressive denial tactics, though comprehensive claims data remains unavailable for complete assessment.
Is Farmers Mutual of Nebraska a good option for high-risk drivers?
Yes, Farmers Mutual of Nebraska excels for high-risk drivers. The insurer ranks 4th for drivers with accidents and 2nd for drivers with bad credit.
Does Farmers Mutual of Nebraska raise car insurance rates over time?
Yes, Farmers Mutual of Nebraska raises rates over time due to inflation impacting repair costs, increased claims from weather events and distracted driving, plus evolving risk assessments and regulatory changes.
Is Farmers Mutual of Nebraska good for young drivers?
Yes, Farmers Mutual of Nebraska offers excellent value for young drivers, ranking 2nd for overall affordability with competitive rates.
How We Rated Farmers Mutual of Nebraska 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.