Updated: October 9, 2025
Advertising & Editorial Disclosure
Indiana Farmers earns sixth place for full coverage affordability and eighth for minimum liability coverage with monthly rates of $86 and $42.
The insurer ranks fourth nationwide for customer satisfaction, with strong agent service and positive forum reviews from policyholders.
Indiana Farmers takes eighth place for coverage variety, providing specialized options like rideshare coverage and new car replacement protection.
Indiana Farmers ranks eighth overall nationally, placing it among the moderately strong best car insurance companies for most drivers. The company has good customer experience and coverage options.
This ranking reflects 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.
| Overall Score | 4.46 | 8 |
| Customer Experience | 4.80 | 4 |
| Coverage | 3.57 | 8 |
| Affordability | 4.43 | 5 |
Indiana Farmers works best for young and adult drivers and those with bad credit, low income or DUI. Senior drivers should consider other options since savings are minimal.
| Overall Score | 4.45 | 5 |
Your Indiana Farmers car insurance costs can range from $36 to $716 monthly, depending on your profile and coverage choices. We've analyzed national costs across age groups, gender, coverage levels, credit scores and driving records to help you find the best rates.
| $141 | $1,688 | -25% | 8 |
Overall, Indiana Farmers insurance is very affordable for most drivers, particularly those under 25 (savings of 37% compared to the average). You can review how well it performs for your best fit profile below.
| Adult Drivers | $36 | $77 | -21% | 5 |
| Drivers With a DUI | $86 | $186 | -23% | 10 |
| Drivers With an Accident | $46 | $89 | -27% | 6 |
| Drivers With a Speeding Ticket | $41 | $88 | -27% | 6 |
| Drivers With Bad Credit | $62 | $131 | -32% | 6 |
| Drivers With Low Income | $43 | $92 | -24% | 7 |
| Drivers With Newer Cars | $52 | $112 | -16% | 8 |
| Drivers With Old Cars | $33 | $71 | -16% | 7 |
| Senior Drivers | $59 | $104 | 1% | 10 |
| Young Drivers | $65 | $126 | -37% | 5 |
*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.
Indiana Farmers offers 5 car insurance discounts which vary depending on your personal profile in terms of savings. Check out its offerings below:
Multi-Line/Bundle | Variable | Bundle home and auto insurance policies | Available statewide |
Multi-Car | Variable | Own more than one vehicle on single policy | Available statewide |
Good Student | Variable | Drivers at least 16 years old with "B" average or better | Available statewide |
Safe Driver | Variable | Be a responsible driver - no speeding, no texting and driving | Available statewide |
Payment Plan | Variable | Certain payment plans may qualify for discounted rate | Available statewide |
Indiana Farmers earned fourth place in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer reviews praise the company's agent service and digital tools, but claims handling generates more complaints than other areas.
Below, we break down the buying, policy management and claims process experiences based on our research.
Customers describe positive experiences with Indiana Farmers' buying process, noting "competitive rates" and praising the accessibility of both "the website or my local agent" for getting quotes and information.
Customers appreciate that the company's local agents "partner with local experts" who can "tailor just the right coverages for your needs." Agents are described as knowledgeable professionals who “help you understand and manage your risks.”
Indiana Farmers offers an online account system where customers can "easily schedule your payments, go paperless, receive text notifications about your claim and more." The online portal allows basic functions like making payments, accessing ID cards and going paperless with policy documents.
Customers primarily rely on their local agents for policy changes and detailed account management.
Customer feedback on claims is notably positive, with the company reporting that "80% of our members who make a claim rate is nine or 10 (on a 10-point scale)."
Customers praise the claims process, stating "They've paid out claims without guff, one our fault, two the other driver's" and noting that they "assist with getting rental cars and ensuring that you know what you're entitled to."
Indiana Farmers 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 Indiana Farmers's scores from industry agencies.
AM Best Financial Strength | A- (Excellent) | A++ to D- | Excellent ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | a- | aaa to d | Excellent credit quality |
S&P Global Financial Strength | Not Available | AAA to D | Rating not publicly available |
Moody's Financial Strength | Not Available | Aaa to C | Rating not publicly available |
J.D. Power Auto Claims Satisfaction | Not Available | 1,000-point scale | Score not publicly available |
J.D. Power Digital Service Experience | Not Available | 1,000-point scale | Score not publicly available |
J.D. Power Auto Insurance Shopping Study | Not Available | Out of 1,000 | Score not publicly available |
J.D. Power Overall Customer Satisfaction | Not Available | Out of 1,000 | Score not publicly available |
NAIC Auto Complaints | Low | 1.00 is average | Fewer complaints than expected based on company size |
Indiana Farmers car insurance customers share generally positive experiences across review platforms and forums, praising customer service and claims handling, but with some concerns about policy changes and coverage limitations.
Here's what real customers are saying about their experiences on forums:
Limited customer feedback suggests competitive rates, with family loyalty being a common theme for choosing Indiana Farmers auto insurance:
"I have my car insured with Indiana Farmers Mutual Insurance Company because my family has insured their homes and cars with them for as long as I can remember, and none of them have anything bad to say about Indiana Farmers."
The most detailed car insurance claim experience found shows positive resolution, though the sample size is very limited:
"I want to thank my agent and friend Ingi Sigurdsson for getting me to Underwriter, Alicia Peetz, who let me plead my case after an uninsured motorist hit my daughter. My daughter is on my insurance and had not been in an accident before someone backed into her. Without getting too detailed with what Alicia did for me, I will just say I am completely satisfied with how the claim was resolved."
Car insurance customers mention professional service from agents, though some experience difficulties with policy changes:
"Their agents are professional, kind, and understanding when you come to them with a problem. Instead of making you feel like they're doing you a favor, they treat you like a customer should be treated."
"I was not behind on my auto policy, as IN Farmers states, and IN Farmers did not inform me of any such guidelines. I wanted to change agencies mainly because I was misinformed and treated rudely by a female employee."
Very limited customer feedback exists about Indiana Farmers' digital tools for car insurance management:
"Great customer service. They are easy to reach either through the website or my local agent."
Multi-generational customers express loyalty to Indiana Farmers for auto insurance, citing family history with the company:
"I have my car insured with Indiana Farmers Mutual Insurance Company because my family has insured their homes and cars (and a business) with them for as long as I can remember and none of them have anything bad to say about Indiana Farmers."
Limited customer discussion exists about coverage options, though some mention policy restrictions and payment history requirements:
"Indiana Farmers no longer writes homeowners policies without supporting business, and because Indiana Farmers is no longer willing to write the Complainant's auto insurance due to his payment history."
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.
Indiana Farmers provides standard coverages like other top insurers, including liability, comprehensive and collision protection. Additional add-ons from the company include:
Personal Auto Plus Enhancement Endorsement | Enhanced coverage package including full glass coverage, expanded rental reimbursement, loss of use protection, and diminution in value coverage | Comprehensive enhancement package; automatic inclusion of multiple benefits |
Rental Car Reimbursement (Enhanced) | Covers rental car expenses while your vehicle is being repaired after a covered accident, with enhanced limits available beyond standard coverage | Additional limits can be purchased; automatic basic coverage with physical damage |
Gap Coverage | Covers the difference between what your vehicle is worth and what you owe on your loan or lease if your car is totaled | Protects against being "upside down" on loan obligations |
New Car Replacement | Replaces your current or previous model year car with a new one if it's totaled in a covered accident | Available for current or previous model year vehicles |
Roadside Assistance | Provides reimbursement for locksmith services, towing, and emergency assistance when locked out or broken down | Covers locksmith and tow truck expenses |
Emergency Travel Expenses | Helps pay for meals, transportation, or lodging if your car is damaged while traveling away from home | Coverage during vacation or travel; included in enhancement endorsements |
Loss of Use Coverage | Protects against rental car company charges for the time a rental vehicle couldn't be rented due to repairs after an accident you caused | Protection from rental company fees; included in enhancement endorsements |
Diminution in Value Coverage | Covers claims from rental companies for loss of resale value when a rental car is involved in an accident while in your possession | Protects against resale value loss claims; included in enhancement endorsements |
Here are other insurance options you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
Indiana Farmers (Directly Offered) | Personal auto insurance, homeowners insurance, renters insurance, condo insurance, farm insurance, business insurance, umbrella insurance and life insurance |
Third-Party Partner | Not disclosed |
Indiana Farmers excels in affordability, customer experience and coverage, earning sixth place for full coverage and eighth for minimum coverage overall You should compare quotes and decide on coverage needs before buying to get the best deal.
Below are MoneyGeek's expert answers to frequently asked questions about Indiana Farmers car insurance:
Yes, Indiana Farmers is a legitimate car insurance company that secured 8th place in our comprehensive car insurance provider rankings. The insurer particularly excels in customer experience, where it achieved an impressive 4th place ranking among all providers we evaluated.
Based on our analysis, it does not rank first in any state or territory.
Adults pay an average of $505 annually for minimum coverage and $1,039 for full coverage through Indiana Farmers. Annual premiums range from $438 to $3,704 for minimum and $912 to $7,071 for full coverage.
Customer feedback suggests Indiana Farmers has faced criticism for claim denials, with some policyholders reporting disputes over coverage decisions and settlement amounts. However, comprehensive data on their denial patterns remains limited beyond individual customer experiences.
Indiana Farmers ranks 10th for both drivers with DUIs and senior drivers, which is middle-tier performance for these high-risk categories.
Yes, Indiana Farmers raises rates over time due to inflation impacting repair costs, increased claims from distracted driving and severe weather, plus rising vehicle technology expenses.
Yes, Indiana Farmers is a pretty good choice for young drivers, ranking 5th for overall affordability with competitive rates below the state average.
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:
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:
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.
