Farmers Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Our Overall Farmers Insurance Score:
4 Stars
We award Farmers Insurance a final rating of 4 out of 5 stars. The insurance company has received high ratings from AM Best and the Better Business Bureau (BBB). Farmers is one of the nation’s largest home and auto insurers, and millions of customers across the country are policyholders. Many products are available nationwide.
Farmers Insurance was founded in 1928. The carrier's headquarters is in Los Angeles, CA. The carrier offers a wide range of coverage for individuals and businesses, including home, auto, life, and commercial insurance.
Farmers offers many customer service options expected of modern carriers today, such as online bill pay, 24/7 claims reporting, getting matched with an agent service, a mobile app, and more. The carrier also offers generous customer service phone hours every day of the week. Overall, we recommend looking into Farmers Insurance to be your next trusted carrier.
Farmers Insurance Pros & Cons:
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Farmers Insurance Products by Type
Farmers offers a range of coverage options for individuals and professionals alike. Its products include:
Home & Property Insurance:
- Home insurance
- Condo insurance
- Renters insurance
- Landlord insurance
- Mobile & manufactured home insurance
- Vacation home insurance
- Vacant home insurance
- Earthquake insurance
- Flood insurance
- Umbrella insurance
Commercial Insurance:
- Business insurance
- Commercial vehicle insurance
- Commercial property insurance
- General liability insurance
- Workers’ compensation insurance
Vehicle & Auto Insurance:
- Car insurance
- Boat & watercraft insurance
- ATV & off-road insurance
- Motorcycle insurance
- Collectible auto insurance
- RV & motorhome insurance
- Fifth wheel insurance
- Travel trailer insurance
- Rideshare insurance
Other Insurance:
- Life insurance (term, whole, and universal)
- Pet insurance
- Financial products
Farmers Auto Insurance
Farmers Insurance offers its auto insurance through a network of independent insurance agents who offer personalized and tailored experiences for the carrier's customers. Farmers' auto insurance is, therefore, a good match for prospective customers who want the ability to select only auto coverages that would actually benefit them.
Though Farmers offers the standard coverages you'd expect in an auto insurance policy, such as liability, comprehensive, uninsured/underinsured motorist, medical payments, personal injury protection (PIP), and collision, it also offers rental car reimbursement, towing and roadside assistance, rideshare insurance, customized equipment coverage, and more.
Coverage types, features, and benefits:
Roadside assistance
Farmers Insurance offers optional 24/7 roadside assistance coverage to help customers who experience a breakdown or other issues on the side of the road pay for professional services like tow trucks and more. Coverage can also be used to pay for taxis, rideshares, etc.
Gap/residual debt
Farmers Insurance offers optional gap insurance, which can reimburse policyholders for the difference between their vehicles' current value (factoring in depreciation) and the amount still owed on a loan or lease after a covered total loss.
New car replacement/vehicle replacement plus
Farmers Insurance offers optional new car replacement coverage that can pay to replace a vehicle after a covered total loss with a newer model.
Customized equipment
Farmers Insurance offers optional customized equipment coverage, which can pay to repair or replace any permanently installed aftermarket equipment in the vehicle. This coverage is only available for vehicles that also have collision and comprehensive insurance.
Farmers Car Insurance Average Prices
Farmers Insurance prices for car insurance are typically more expensive than the national average in several age ranges. A full coverage policy from Farmers averages $3,403 per year and a minimum coverage policy averages $1,128.
Here are some average Farmers Insurance car insurance prices by driver age compared to the current national average rate.
| Driver Age | Farmers Full Coverage Annual Premium | National Average Full Coverage Premium |
|---|---|---|
| 16 | $7,478 | $5,229 |
| 18 | $6,912 | $4,501 |
| 20 | $7,960 | $4,972 |
| 25 | $4,210 | $3,031 |
| 30 | $3,619 | $2,622 |
Farmers Insurance's average car insurance rates were at least $1,000 more expensive than the national average in every driver age group we studied.
To find the national average car insurance price per state and estimate how much a car insurance policy might cost for you, check out our car insurance calculator.
Methodology
Average rates for car insurance were based on a sample driver who is 40 years old and has a good credit score and clean driving record. The sample customer was quoted for an auto insurance policy with bodily injury liability coverage of $300,000 per accident and $100,000 per person, property damage liability coverage of $50,000 per accident, personal injury protection coverage of $100,000 per accident, and uninsured motorist bodily injury coverage of $300,000 per accident and $100,000 per person. The driver's collision and comprehensive coverages each had a $500 deductible.
Farmers Home Insurance
Farmers offers all the standard coverage options you'd expect to find in a homeowners policy, including liability, contents, dwelling, additional living expenses, and coverage for certain types of water damage. The carrier also provides medical bills coverage, optional guaranteed replacement cost coverage, and personal umbrella insurance. Guaranteed replacement cost coverage can reimburse the homeowner for the full repair cost of the home, even if it's greater than the policy's limits.
Farmers Home Insurance Average Prices
Farmers also has more expensive homeowners insurance than average. A home insurance policy with $300,000 in dwelling coverage from Farmers averages $2,672 per year. In contrast, the current national average premium for a policy with the same amount of coverage is $2,247.
Here are some average rates for home insurance from Farmers by dwelling coverage amount compared to the current national average.
| Dwelling Coverage Amount | Farmers Insurance Annual Premium | National Average Premium |
|---|---|---|
| $150,000 | $1,569 | $1,406 |
| $300,000 | $2,672 | $2,304 |
| $350,000 | $3,058 | $2,571 |
| $450,000 | $3,857 | $3,118 |
| $750,000 | $5,877 | $4,549 |
Farmers Insurance's average home insurance rates were more expensive than the current national average in every dwelling coverage limit category we studied.
Methodology
To determine our average home insurance rates, we compared quotes for coverage using a sample customer who is 40 years old and married. The sample policy had $300,000 in dwelling coverage, $30,000 in other structures coverage, $150,000 in personal property coverage, $60,000 in loss of use coverage, $500,000 in liability coverage, and $1,000 in medical payments coverage. The sample insured home was less than 10 years old.
What Discounts Does Farmers Insurance Offer?
Farmers offers a handful of competitive discounts on its products, especially on auto insurance. These discounts include:
- Teen driver discount: This is offered to auto insurance customers who add a teen driver to their policy.
- Alternative fuel vehicle discount: This is offered to auto insurance customers who drive hybrids or other alternative fuel vehicles.
- Safety features discount: This is offered to auto insurance customers whose vehicles have factory-installed safety features such as alarm systems.
- Professional group discount: This is offered to auto insurance customers who belong to a qualifying professional group.
- Multi-vehicle discount: This is offered to auto insurance customers who insure more than one vehicle through Farmers.
Your independent insurance agent can help you find further information on even more discounts offered by Farmers and other ways to save through the insurance company, helping you to get the most bang for your buck on coverage.
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Farmers Insurance Customer Service
Farmers allows customers to file claims over the phone or online, any time of the week. The carrier provides the following customer service options and availability:
- Phone
- 24/7 phone claims reporting
- Online bill pay
- Live chat
- Mobile app
Customer service phone department has the following hour restrictions:
| Days | Hours (CST) | ||
| Monday-Friday | 7 a.m. - 11 p.m. | ||
| Saturday | 8 a.m. - 8 p.m. | ||
| Sunday | 8 a.m. - 8 p.m. |
To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters so you can relax and enjoy your coverage.
Farmers Insurance FAQs
Farmers offers 24/7 claims reporting for customers, via phone, online, or mobile app. The carrier does not provide an official claims response time frame promise, stating that it depends on a number of factors how quickly claims are processed. However, the carrier has numerous options for customers to get in touch with a representative live at any time.
Farmers offers separate phone lines for general customer inquiries and claims filing. Its claims reporting hotline is available for customers 24/7, and the customer service hotline is available at generous hours, every day of the week. The carrier also has a social media presence on Facebook, X, Instagram, and LinkedIn, as well as a mobile app, making it even more accessible to customers.
Farmers provides several options for customers to file their claims. Farmers breaks down its claims process for auto insurance claims into a few simple steps, as follows:
- Assignment: The claim is filed by the customer and then assigned to a claims rep.
- Customer contact: A claims rep will contact the customer for more information and to schedule an adjuster visit if necessary.
- Evaluation: The claims rep will determine if the claim is covered and advise on the next steps.
- Resolution: The claims rep will work with the customer to get the claim resolved fairly.
- Closing: Farmers will close the claim after payment has been issued to the customer.
Customers can keep in touch with their independent insurance agent, check the official website or mobile app, or call the carrier to stay updated on a claim’s progress after filing.
Farmers’ official website is highly intuitive and easy to navigate. The layout is crisp and visually appealing. Prospective and current customers alike can easily find what they’re looking for, and important information is detailed enough to be satisfying.
Customer service options such as getting matched with an agent, requesting a quote, online claims filing, and online bill pay are available. The carrier also has an active social media presence and a mobile app. Overall, Farmers provides quite a user-friendly experience for insurance customers of all kinds.
Farmers offers a wide range of insurance coverages, but it's mostly recognized for auto policies. Farmers' auto insurance includes the following coverages:
- Liability
- Collision
- Comprehensive
- Uninsured/underinsured motorist
- Medical payments
- Personal injury protection
- Towing and roadside assistance
- Rental car reimbursement
- Full windshield and glass coverage
- Custom parts coverage
- Accident forgiveness
- New car replacement coverage
Farmers also sells specific auto insurance for rideshare drivers, such as Uber or Lyft employees. Your independent insurance agent can help you find out more about Farmers’ auto coverage, as well as its other insurance offerings.
With a rich history, excellent ratings by high-profile organizations, solid financial strength, and tons of different coverage options, Farmers can arguably be considered a good insurance company. Farmers has become one of the largest home and auto insurers in the nation. However, its average rates are expensive compared to many carriers'.
Farmers insurance products may be right for customers seeking home, auto, life, or business insurance products. Coverage is offered nationwide, but specific product availability may vary by state.
https://www.farmers.com/
https://news.ambest.com/PR/PressContent.aspx?refnum=33492&altsrc=2
https://www.bbb.org/us/ca/woodland-hills/profile/insurance-companies/farmers-insurance-1216-18605
https://www.bankrate.com/insurance/reviews/farmers/
https://www.bankrate.com/insurance/reviews/farmers-home-insurance/