Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 14, 2022

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Just the Basics

  • Farmers Insurance is a highly rated company, providing liability, collision, comprehensive, and uninsured/underinsured motorists coverage to residents in 42 states
  • The company’s rates are competitive for some drivers but substantially higher for teens, though it does offer driver discounts
  • Customers have multiple options for filing a claim, including a convenient mobile app

The U.S. has almost 2,500 insurance companies that offer property and casualty coverage, including auto insurance, making the hunt for the right insurance company for you a daunting process. With our in-depth Farmers auto insurance review and free quotes from top companies, we aim to make your task easier.

We tell you everything you need to know to decide if this company offers the coverage you need without stressing your budget, providing information about coverage options, customer reach, and the claims process. We also let you know how to save money on your monthly rates with Farmers car insurance.

Farmers Car Insurance Coverage

Farmers insurance opened in 1928, claiming to provide customers quality insurance at affordable rates. The company survived the Great Depression, subsequently expanding its services and coverage areas. Today, the company provides car insurance products to more than 10 million customers in 42 states.

The company offers a wide range of coverage options, allowing customers to build a custom policy to satisfy their needs. Standard products on Farmers’ coverage menu include:

  • Liability protection. Almost every state and the District of Columbia require this coverage. It covers property damage and medical expenses others incur when you are at fault in a car accident.
  • Collision coverage. If you are at fault in an accident or hit an animal or object, this coverage pays for damages to your vehicle.
  • Comprehensive insurance. Comprehensive coverage pays for damages to your vehicle that aren’t caused by an accident. Examples include hail damage, theft, and vandalism.
  • Uninsured/underinsured motorist. Though most states require liability insurance, sometimes people don’t comply. This type of coverage pays for vehicle and bodily injury damages for you and your passengers if an uninsured motorist causes your accident. It also pays for damages when the at-fault driver does not have sufficient coverage.
  • Medical and personal injury protection. These coverages pay for your medical expenses and lost wages no matter who is at fault in a car accident. No-fault car insurance states require their residents to carry this kind of coverage.

Farmers also offers several specialized products for customers who desire a broader spectrum of protection. Towing and roadside assistance, rental car reimbursement, and loss of use coverage are all on the company’s product list.

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How much does Farmers car insurance cost?

How much you pay for car insurance depends on several factors, so it helps to understand your insurance policy before you commit. Where you live influences your rates. Variations exist across and within states, and urban areas tend to have higher rates than rural areas. Your age, marital status, and credit score can all impact your rate with Farmers Insurance.

Your rates are also affected by what kind of coverage you get. The more protection you have, the more insurance costs. Your rates also vary with different deductible levels or policy limits. Farmers rates are competitive for single adults and older adults, but the company charges significantly higher rates for teen drivers than other companies.

What auto insurance discounts are available with Farmers?

Taking advantage of discounts is one way to reduce how much you pay for your Farmers car insurance. Drivers frequently neglect to investigate available discounts in their search for car insurance. Farmers offers the following discounts to its customers:

  • Safe drivers
  • Safety features
  • Bundled insurance
  • Multi-car
  • Paperless billing
  • Mature drivers
  • Pay in full
  • Pay on time
  • Auto-pay
  • Good student
  • Distant student

Farmers has an additional safe-driver program called Signal, which uses a device in your vehicle to track your driving habits. When you sign up for this, you receive an immediate 5% discount and can potentially lower your bill by 15% when your policy renews.

Discounts can vary depending on the state you live in. It’s a good idea to check into what your options are. Additionally, you may want to periodically check in with the company during your policy period to make sure that it doesn’t have new discounts that you may qualify for.

What states does Farmers auto insurance offer coverage in?

While Farmers Insurance is one of the largest auto insurance companies in the U.S., it is not available in every state. You can purchase a Farmers auto insurance policy in every state except the following:

  • Alaska
  • Delaware
  • Hawaii
  • Maine
  • New Hampshire
  • Rhode Island
  • Vermont
  • West Virginia

Farmers is also not offered in the District of Columbia.

The Better Business Bureau has accredited Farmers Insurance since 1951. The BBB gives it an A- rating, but its customer rating is 1.39/5, with 195 reviews posted. The National Association of Insurance Commissioners assigns the company a complaint rating of 0.79 for its auto insurance division, making it 21% less likely to receive a complaint than similar companies in the industry.

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How To File a Car Insurance Claim With Farmers Car Insurance

Farmers offers multiple claims filing methods. You can choose between filing online, using the company’s mobile app, or talking to a claims representative on the phone. The website provides valuable information for customers when it’s time to file a claim. When you file a claim, be sure you have the following information ready:

  • Your policy number and the accident date and time
  • Accident location, road conditions, and weather conditions
  • The name, contact, and driver’s license information for other drivers involved in the collision
  • The vehicle and insurance information for other drivers
  • Name and contact information for passengers and witnesses

After you file your claim, you can check on the status online, via phone, or using the app. The company has a network of auto repair facilities for its customers to choose from. 

A convenient feature for those who use the app to file is that the company sends customers a link to take and submit photos of their vehicle’s damage right inside the app. The company performs the estimate and sends the customer the payment for repairs, and the customer can utilize any auto repair service they want.

Does Farmers offer any other types of insurance?

Farmers car insurance is just one product the company offers. Farmers Insurance Group is a parent company for Farmers and its subsidiaries. If you want to put all your policies under one company, you can do so with this company. In addition to car insurance, Farmers offers the following types of insurance:

  • Homeowners
  • Life
  • Business
  • Umbrella
  • Pet
  • Specialty vehicle
  • Boat

Having multiple policies through a single company can help you manage your policies and payments. Farmers also offers discounts when you bundle multiple insurance products. However, you may still want to compare rates with other companies to ensure you get the best overall value for the coverage you need.

Farmers Car Insurance Review Takeaways

Farmers is one of the largest insurers in the U.S. The company operates in 42 states, providing a wide range of auto insurance products. The NAIC gives it a higher-than-average rating, but customers may pay higher rates for their policies, especially teen drivers. For those looking to bundle all their insurance products under one company, Farmers gives you that option, and it may also save you money.