{"id":324305,"date":"2025-11-07T17:27:24","date_gmt":"2025-11-07T22:27:24","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=80925"},"modified":"2025-11-07T17:27:24","modified_gmt":"2025-11-07T22:27:24","slug":"farmers-insurance-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/farmers-insurance-review\/","title":{"rendered":"Farmers Car Insurance Review"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"Farmers Car Insurance Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Recent national rate studies estimate Farmers\u2019 average full-coverage premium at roughly $2,700\u2013$2,900 per year; for example, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a> pegs it near $2,807, which is above the U.S. average in the same dataset.<\/li><li>Across the market, recent full-coverage averages range from about $2,148 (<a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>) to about $2,543 (<a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/\">Bankrate<\/a>), underscoring how much rates have risen since earlier years.<\/li><li>Drivers can file a Farmers car insurance claim online, in the mobile app, or through a local agent; telematics and crash-assistance features are increasingly used to speed first notice of loss and post-crash help <a href=\"https:\/\/www.cccis.com\">(CrashAssist)<\/a>.<\/li><\/ul>\n\n\n\n<p>Farmers car insurance is one of the most recognized <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">insurance companies<\/a> in the industry with a widespread network of offices and agents nationwide. Industrywide, auto insurance customer satisfaction declined in 2022\u20132023 amid sharp premium increases, then stabilized in 2024 as rate hikes moderated, according to <a class=\"achor-toggles\" href=\"https:\/\/www.jdpower.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\">J.D. Power<\/a>. For a current, regulator-reported snapshot of complaints by company and line, consult the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Information Source<\/a>. Farmers has also kept pace with tech by offering telematics-based app discounts for safe driving, and many carriers now pair usage-based programs with crash-assistance capabilities to help drivers after an accident <a href=\"https:\/\/www.cccis.com\">(CrashAssist)<\/a>.&nbsp;<\/p>\n\n\n\n<p>With this information, we created a Farmers car insurance review based on updated 2024\u20132025 benchmarks for premiums, customer satisfaction trends, discounts, coverage, accessibility, and online resources.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"map\" title=\"Farmer's Full Coverage Average Premium In Each State\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Farmer&#8217;s Full Coverage Average Premium In Each State<\/h2>\n\n\n<div class=\"infogram-graphic infogram-graphic--carrier_national_map_price_by_state h-margin-top-30 h-margin-bottom-30\">\n    <iframe src=\"https:\/\/e.infogram.com\/e8147158-590a-49ef-a9e9-7f39eeec039c?src=embed\" title=\"Carrier Rates State Map - Farmers\" scrolling=\"no\" frameborder=\"0\" style=\"border:none;\" allowfullscreen=\"allowfullscreen\"><\/iframe>\n<\/div>\n\n\n\n\n<p><small><i>Data Source: <a href=\"https:\/\/www.coverage.com\/insurance\/auto\/alternate-state-data\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"achor-toggles\">Coverage.com<\/a><\/i><\/small><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Overview\"><\/span>\n    \n\n\n<section id=\"block_609d9d4c5aa28\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">Farmers Car Insurance Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                Reviews.com Score:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">4<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                In business since: \n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">1928<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                AM Best: \n                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">A++<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power:\n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">818*<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                States served:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">50 + D.C.<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p>Auto insurance satisfaction stabilized in 2024 after two years of declines as price increases slowed and service communications improved, per the latest <a href=\"https:\/\/www.jdpower.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power customer satisfaction study<\/a>. For a current view of complaints relative to market share, the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Information Source<\/a> provides regulator-reported complaint indices by company and line. Brand tracking from <a href=\"https:\/\/today.yougov.com\/topics\/finance\/explore\/brand\/Farmers_Insurance\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">YouGov<\/a> can offer additional context on consumer sentiment.<\/p>\n\n\n\n<p>Drivers that own newer-model vehicles have the option to add new car replacement value coverage that replaces the car if it is totaled in a covered accident; eligibility and terms vary by carrier (see <a href=\"https:\/\/www.libertymutual.com\">New Car Replacement<\/a> for an example). As for classic car owners, agreed\/guaranteed-value insurance pays an agreed amount if the vehicle is stolen or totaled (see <a href=\"https:\/\/www.hagerty.com\">Guaranteed Value<\/a>). If you finance or lease, pairing these with <a href=\"https:\/\/www.iii.org\/article\/what-is-gap-insurance\">gap coverage<\/a> can help address negative equity.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"pros\" title=\"Pros vs. Cons\"><\/span>\n    \n\n\n<section id=\"block_609d9dc35aa2e\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Coverage options:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">A widevariety of unique coverage options for all types of vehicles including new and classic.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Local presence:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Over 48,000 agents nationwide means drivers can get help in person or over the phone locally.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Farmers Signal: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Sign up for Signal, their usage-based program, to receive an initial 5% discount and then up to a 15% discount after each renewal and an additional 10% for young drivers.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Accident Forgiveness: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">You may be able to score low premiums with Farmers even after an accident. The company forgives one at-fault accident every three years.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">No gap insurance available:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Farmers does not offer gap insurance and instead advises customers to purchase it from their auto dealer<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Six-month policies:<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Farmers car insurance policies are in effect for only six months instead of the standard year most carriers offer.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Average customer satisfaction: <\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\"><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2020-us-auto-claims-satisfaction-study\" rel=\"noopener\" target=\"_blank\">J.D. Power\u2019s 2020 Auto Claims Satisfaction Study<\/a> shows Farmers is rated average in claims satisfaction with customers. Farmers also received a fairly average <a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=21628&#038;:refresh\" rel=\"noopener\" target=\"_blank\">NAIC<\/a> complaint index of .79<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"highlights\" title=\"Highlights\"><\/span>\n    \n\n                \n<section id=\"block_609d9e345aa37\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\">Farmers Insurance Highlights<\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Coverage <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Customer Experience <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Discounts &#038; Add-ons <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"4\"> Claims <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Customer will find that Farmers car insurance offers all the types of coverage that each state may require, including bodily injury and property damage liability, PIP, medical payments and uninsured\/underinsured motorist. In addition, customers can purchase comprehensive and collision insurance for full coverage, which is typically required when financing a car.<\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Customer Experience\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Existing policyholders who participated as respondents in the 2021 J.D. Power Auto Insurance Customer Satisfaction Study rated Farmers an average of 818 out of 1,000 points across all studied regions. In J.D. Power\u2019s Auto Claims Satisfaction study, Farmers earned an average score of 872 out of 1,000 points, which was the industry average. In this study, Farmers lagged behind top car insurance carriers like State Farm, Erie, and Amica. <\/span><span style=\"font-weight: 400;\">Furthermore, the National Association of Insurance Commissioners indexed Farmers\u2019 complaints at <\/span><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&amp;COCODE=21628&amp;:refresh\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">.79<\/span><\/a><span style=\"font-weight: 400;\">, slightly below the market average of 1.0.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Discounts &#038; Add-ons\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">Farmers offers a bevy of additional coverage options for enhanced car insurance. <\/span><span style=\"font-weight: 400;\">If you have special insurance requirements, Farmers may have coverage to suit your needs. Farmers\u2019 optional car insurance coverage includes:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Glass deductible buyback<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New car replacement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Spare parts coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">OEM coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Full windshield and glass<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accident forgiveness<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rideshare<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loss of use<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Customized equipment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rental car reimbursement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roadside assistance<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In terms of <\/span><a href=\"https:\/\/www.farmers.com\/discounts\/\"><span style=\"font-weight: 400;\">discounts<\/span><\/a><span style=\"font-weight: 400;\">, Farmers offers these for vehicles with safety features, drivers being claims-free, being a good student, and enrolling in ePolicy, among others. <\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Claims\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p>Farmers car insurance encourages policyholders to file claims with their local agents. Having someone locally who can work on your behalf to get you paid could be a valuable resource. For after-hours claims, call 1-800-435-7764, log in to your account online, or use the mobile app to start a claim. <\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"bundling\" title=\"Farmers\u2019 Car Insurance Bundling Discounts for Cheaper Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Farmers\u2019 Car Insurance Bundling Discounts for Cheaper Insurance<\/h2>\n\n\n\n<p>Farmers Insurance is a full-service insurance company, meaning the provider offers a variety of <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/\" class=\"achor-toggles\">insurance products<\/a> including car, home, renters, and other vehicles (motorcycles, boats, RVs, and more). <a href=\"https:\/\/www.reviews.com\/insurance\/car\/bundling-insurance\/\" class=\"achor-toggles\">Bundling<\/a> more than one type of insurance with Farmers can reduce your total premium, but given recent market volatility it\u2019s smart to quote both bundled and unbundled options and compare the all-in price and coverages. J.D. Power reports that shopping and unbundling remained elevated as consumers reacted to higher auto rates <a href=\"https:\/\/www.jdpower.com\">(2024 Insurance Shopping Study)<\/a>. For additional savings and value, confirm which discounts stack (e.g., telematics) and ask about bundle-linked features such as a single-loss deductible on combined home\/auto claims <a href=\"https:\/\/www.usaa.com\">(example)<\/a>; the Insurance Information Institute also recommends comparing bundle vs. stand-alone quotes <a href=\"https:\/\/www.iii.org\/article\/how-to-save-money-on-your-car-insurance\">(III)<\/a>. Broader price context: the CPI for motor vehicle insurance rose markedly through 2024, highlighting the importance of re-shopping at renewal <a href=\"https:\/\/fred.stlouisfed.org\/series\/CUSR0000SEGD\">(BLS\/FRED)<\/a>. <\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"comp\" title=\"Farmers Car Insurance vs. The Competition \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Farmers Car Insurance vs. The Competition&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Provider<\/strong><\/td><td><strong>Reviews.com Score<\/strong><\/td><td><strong>AM Best<\/strong><\/td><td><a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 J.D. Power Study<\/a>* <\/td><\/tr><tr><td>Farmers<\/td><td>\u2014<\/td><td><a href=\"https:\/\/ratings.ambest.com\/\">See current rating<\/a><\/td><td>Varies by region<\/td><\/tr><tr><td>Nationwide<\/td><td>\u2014<\/td><td><a href=\"https:\/\/ratings.ambest.com\/\">See current rating<\/a><\/td><td>Varies by region<\/td><\/tr><tr><td>State Farm<\/td><td>\u2014<\/td><td><a href=\"https:\/\/ratings.ambest.com\/\">See current rating<\/a><\/td><td>Varies by region<\/td><\/tr><tr><td>Allstate<\/td><td>\u2014<\/td><td><a href=\"https:\/\/ratings.ambest.com\/\">See current rating<\/a><\/td><td>Varies by region<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>Information current per 2024\u20132025 sources cited below<\/em><\/p>\n\n\n\n<p><em>*J.D. Power&#8217;s <a aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" href=\"https:\/\/www.jdpower.com\" target=\"_blank\" class=\"achor-toggles\">2024<\/a><a href=\"https:\/\/www.jdpower.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" class=\"achor-toggles\"> <\/a><a aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener\" href=\"https:\/\/www.jdpower.com\" target=\"_blank\" class=\"achor-toggles\">Auto Insurance Study<\/a> reports region-specific results on a 1,000-point scale.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Farmers vs. Nationwide<\/h3>\n\n\n\n<p>Farmers offers a wide range of optional protections, while <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/nationwide-review\/\">Nationwide<\/a> tends to land mid-pack on price in many recent comparisons and can be competitive when telematics or pay-per-mile applies. Broad national analyses indicate Farmers\u2019 average full-coverage premium runs above the market average and often above Nationwide for similar driver profiles, though results vary by state and discounts <a href=\"https:\/\/www.nerdwallet.com\">(NerdWallet)<\/a> <a href=\"https:\/\/www.bankrate.com\">(Bankrate)<\/a>. Nationwide also emphasizes usage-based and pay-per-mile options that may favor low-mileage drivers <a href=\"https:\/\/www.nationwide.com\">(SmartRide\/SmartMiles)<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Farmers vs. State Farm<\/h3>\n\n\n\n<p>Choosing between Farmers and <a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm<\/a> will depend on your specific needs; both are among <a href=\"https:\/\/www.reviews.com\/insurance\/car\/the-largest-car-insurance-companies\/\" class=\"achor-toggles\">the largest<\/a> national carriers. In recent national comparisons, State Farm frequently prices below the overall market average and below Farmers for many clean-driver profiles, while offering a large agent network and telematics via Drive Safe &amp; Save <a href=\"https:\/\/www.nerdwallet.com\">(NerdWallet)<\/a> <a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/coverages\">(State Farm)<\/a>. Always compare quotes for your state and coverage needs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Farmers vs. Allstate<\/h3>\n\n\n\n<p>As with State Farm, Farmers and <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\">Allstate<\/a> have a large local presence of agents and offices. Recent comparisons often place Allstate\u2019s average premiums above the national market average, similar to Farmers, though discounts and telematics can materially affect final price <a href=\"https:\/\/www.bankrate.com\">(Bankrate)<\/a>. If you have young drivers or want richer optional features, Allstate highlights teen and safe-driving programs and add-ons like New Car Replacement and Deductible Rewards <a href=\"https:\/\/www.allstate.com\">(Allstate)<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Farmers Auto Insurance FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Farmers Auto Insurance FAQ<\/h2>\n\n\n<div id=\"block_609d9ecd5aa3c\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much is Farmers car insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">According to data from Coverage.com, <\/span><span style=\"font-weight: 400;\">Farmers car insurance costs an average of $1,990 per year for full coverage. However, individual auto insurance quotes are based on location, age (except in Hawaii), driving history, and ZIP code (except in California and Michigan), among other factors.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_609d9edc5aa3d\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What rating does Farmers Insurance have?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Farmers received an A++ (Superior) rating from the credit reporting agency, AM Best. This is the highest rating offered by AM Best and indicates the carrier&#8217;s financial stability and that it has a history of being able to pay out claims.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_609d9ee75aa3e\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is Farmers a good auto insurance company?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Farmers Insurance is a good auto insurance company, according to its policyholders, who rank it high in customer satisfaction in the annual J.D. Power insurance study.\u00a0<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated Farmers auto insurance based on discounts, coverage, online resources, financial strength, and customer satisfaction to determine Reviews.com scores and create our best car insurance reviews. To compare car insurance companies with other providers across the board, we calculate each Reviews.com score based on the following, incorporating current market benchmarks and sources such as <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance\/\">Bankrate<\/a>, the <a href=\"https:\/\/www.jdpower.com\">J.D. Power U.S. Auto Insurance Study<\/a>, and the CPI trend for motor-vehicle insurance from <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS<\/a>.<\/p>\n\n\n\n<ul><li>Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.<\/li><li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company\u2019s financial stability.<\/li><li>Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used the latest U.S. Auto Insurance Study to compare results across regions <a href=\"https:\/\/www.jdpower.com\">(2024)<\/a>.<\/li><li>Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision and personal injury protection.<\/li><li>Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more.<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Recent national rate studies estimate Farmers\u2019 average full-coverage premium at roughly $2,700\u2013$2,900 per year; for example, NerdWallet pegs it near $2,807, which is above the U.S. average in the same dataset. Across the market, recent full-coverage averages range from about $2,148 (NerdWallet) to about $2,543 (Bankrate), underscoring how much rates have risen since [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":361878,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1266],"tags":[21449],"post_author":[26441],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Farmers Auto Insurance Review 2021 | Reviews.com<\/title>\n<meta name=\"description\" content=\"While Farmers doesn\u2019t offer the cheapest car insurance on the market, it backs its policies with sound financial ratings and nearly a century of experience.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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