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Founded in 1928, Farmers Insurance got its start when partners John C. Tyler and Thomas E. Leavey began going door to door pitching insurance policies to rural farmers who they saw as a lower risk than other customers. From those humble beginnings, the company grew into the Farmers Insurance Group, based in Los Angeles. It’s a big group, made up of roughly 46 separate companies. Together, they offer a wide variety of products and services, including insurance policies for homes, vehicles, and businesses, along with life insurance and financial services in all 50 states.

When it comes to car insurance, Farmers offers many coverage options, including liability coverage, collision coverage, comprehensive coverage, and uninsured and underinsured motorist coverage, plus other types of insurance like personal injury protection. Farmers also offers multipolicy discounts when you purchase both home and car insurance through them, as well as multicar discounts. 

Perhaps best known for its distinctive jingle and humorous ads with low-key pitchman J.K. Simmons, Farmers Insurance Group now serves more than 10 million households holding around 19 million policies. It’s staffed by 48,000 agents and 21,000 employees. Farmers’ policies are available online and through local stores and independent agents.

Farmers Is the 5th Best Car Insurance Company

  1. USAA
  2. Travelers
  3. State Farm
  4. Geico
  5. Farmers
  6. Nationwide
  7. Progressive
  8. Allstate
  9. American Family

To determine where Farmers Car Insurance ranked among the top 10 car insurance companies, we surveyed 2,799 people who had filed a car insurance claim in the last five years. We asked participants to answer 10 questions based on their experience and give their car insurance company a score of one to five on each question – with one being the least satisfied and five being the most satisfied.

How We Created This Farmers Car Insurance Review

(jetcityimage / Getty Images)

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Best Car Insurance Rankings. 

We surveyed 2,799 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. These questions covered satisfaction with the ease of filing a claim, customer service, claim status communication, claim resolution, and overall value. We also asked whether they’d recommend the company and if they planned to renew their policy. We used their responses to build our Best Car Insurance Companies ranking.

Our Study Rates

To get comparative insurance rates for this study, U.S. News also worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state. Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150, with annual mileage ranging from 6,000 and 12,000. 

Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 25, 35 and 60 who drive 12,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

Farmers Rating and Review

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Of the nine auto insurance companies included in our survey, Farmers ranked fifth. Farmers earned top scores for customer service, ease of filing a claim, and how claims were resolved, with more than half of the respondents saying they were completely satisfied in those categories. Customers were more divided about the company’s follow up and status updates, as well as the time it took to settle a claim, with only 42 percent giving Farmers a top score on that measure. “Eleven months is just too long to settle a claim,” said one respondent. 

But the biggest complaints came in response to our question about value, with only 30 percent of participants giving Farmers a top score. The mixed reviews on value pulled down Farmers’ overall score. Just 24 percent of respondents said they were very likely to recommend Farmers to someone looking for car insurance. The reason most often mentioned for this was cost, made worse by complaints of rate increases following a claim. 

One survey participant summed up the feelings of many, with praise for customer service combined with a gripe about rates.

(Kittisak Jirasittichai / EyeEm / Getty Images)

“My agent is the best you could ask for. But the rates seem to be higher than other companies, and magically, my rates went up after a hit and run.”

Despite the complaints, 70 percent of respondents said they were either likely or very likely to renew their car insurance with Farmers, citing reasons ranging from fear of even higher rates to the effort required to make a switch. One respondent summed it up like this: 

“I’ve been with them 15+ years. It’s a pain to switch with a house and multiple cars.”

Curiously, despite generally high scores for customer service, respondents who planned to leave Farmers often cited poor customer service as the reason. Slow processing of a claim also came up. 

“They do not have good customer service, and they don’t resolve the problem as quick as they should.”

Farmers Car Insurance Costs

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Confirming customer complaints about rates, our Quadrant Information Services analysis found that at $1,538.21, representative rates for car insurance through Farmers were among the highest in our study, cheaper only than the $1,777.66 we found with Allstate. That said, our analysis proves that it pays to shop around. We found a big range in costs overall, amounting to almost $900 per year for rates in our study. USAA proves to be the bargain of the bunch with an average policy cost of $894.95, according to our analysis.

Farmers Car Insurance Rates by Age

To determine the average study rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Not surprisingly, we found sample rates with Farmers for younger driver profiles were higher than those for older driver profiles, as was the case with all the car insurance companies included in our study. Sample rates were $1,823.34, on average, for a 25-year-old male profile with Farmers, and $1,747.67 for a female profile of the same age. Those representative rates made Farmers the third-most expensive choice for typical young driver profiles in our study, with only Nationwide and Allstate having higher study rates. 

At the other end of the spectrum, our study found the representative auto insurance cost for a 60-year-old female or male profile to be substantially less, or $1,261.93 and $1,344.74, respectively, with Farmers. The study found that representative rates for younger driver profiles come down quickly as the profiles age, with the average cost in our analysis for a 35-year-old male or female profile coming in at $1,457.68 and $1,456.86, respectively.

Group

Average Rate

Single 25-year-old male

$1,823.34

Single 25-year-old female

$1,747.67

Married 35-year-old male

$1,457.68

Married 35-year-old female

$1,456.86

Married 60-year-old male

$1,344.74

Married 60-year-old female

$1,261.93

Farmers Car Insurance Rates by Annual Mileage

We created two driver profiles to compare how annual mileage can change car insurance representative rates with Farmers: one with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The number of miles driven annually did not make a lot of difference in representative rates for our sample driver profiles with Farmers, with an average study rate of $1,538.21 for driver profiles averaging 12,000 miles per year. That’s only about $11 more than the sample rate of $1,527.24 we found for those who drive half as many miles annually. 

Annual Mileage

Average Rate

6,000 miles annually

$1,527.24

12,000 miles annually 

$1,538.21

Farmers Car Insurance Rates by Coverage Type

Farmers, like most major insurers, offers car insurance coverage in three general tiers: low, medium, and high (even if they don’t necessarily advertise it as such). We created identical profiles in our study to represent drivers, then found out how study rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females with the ages of 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis. 

A bigger difference in rates depended on whether our representative drivers chose basic, mid, or high coverage levels. Opting for high coverage limits instead of low with Farmers raised annual representative rates from $1,456.07 to $1,627.44, on average, in our study. Still, that only works out to about $170 per year, which isn’t much of an increase when you consider the cost of medical and auto body repair. Consider your needs carefully when deciding how much coverage you need.

Coverage Type

Average Rate

Low

$1,456.07

Medium

$1,538.21

High

$1,627.44

Farmers Car Insurance Rates by Credit History

Our study verified that credit score also affects car insurance representative rates using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis. 

Your credit history can have a much larger impact on rates. Our study found that sample driver profiles with a good credit rating paid $1,498.31 annually on average with Farmers, while those with poor credit paid almost $1,200 more, or $2,659.81.

Credit History

Average Rate

Good

$1,498.31

Fair

$1,712.64

Poor

$2,659.81

Farmers Car Insurance Rates by Driving Record

As you might expect, a person's driving record has a large impact on insurance rates, according to our study. To find out just how much of an effect, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles driven per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

A clean driving record also makes a big difference in what you’ll pay for auto insurance. Our Quadrant Information Services study found an average study rate of $1,538.21 for representative driver profiles with a blemish-free history with Farmers, while just one speeding violation raised that representative rate by almost $400, to $1,907.63. An accident raised the average to $2,214.72, and one DUI offense brought it to $2,435.42 – almost $900 more than the average for a driver profile with a clean record. 

Driving Record

Average Rate

Clean record

$1,538.21

With 1 speeding violation

$1,907.63

With 1 accident

$2,214.72

With 1 DUI

$2,435.42

Who Should Get Farmers Car Insurance?

Regardless of age or gender, shoppers looking for the lowest car insurance rates should shop around because rates vary widely. Our study found that especially true for younger drivers, who are subject to much higher rates with some companies than with others.

Like all car insurance companies we looked at, representative rates with Farmers were higher on average for young motorist profiles, and those study rates dropped as our representative driver profiles get older and more experienced. Regardless of the age of our representative driver profiles, our study found Farmers to be among the most expensive choices for car insurance. For a representative 25-year old male profile, we found an average annual rate in our analysis of $1,823.34. Female representative driver profiles of the same age averaged $1,747.67. Both representative rates were within about $170 of what we found for Allstate, which our study found to be the most expensive source for car insurance overall.

As driver profiles age, we found the difference in study rates between insurers to be less dramatic. Still, Farmers' average representative rates for 60-year-old male and female profiles, were around $500 more than we saw with USAA (the cheapest company in our analysis). 

Farmers Auto Insurance vs. State Farm Auto Insurance

Landing fifth in our survey, Farmers is slightly behind third-ranked State Farm for overall satisfaction, though the scores were very close. Across all other categories, including customer service, value, and how claims were resolved, Farmers car insurance and State Farm car insurance had very similar scores. 

State Farm's rates in our study for our representative driver profiles proved to be substantially less across all demographic groups, particularly among younger driver profiles. According to the results of our study, a 25-year-old sample female would pay about $400 less annually on average with State Farm than with Farmers. The gap narrows for older driver profiles but still would amount to about $150 annually for a 60-year-old female profile.

Read more in our Farmers vs. State Farm Head to Head »

Farmers Auto Insurance vs. Geico Auto Insurance

Like State Farm, fourth-place Geico had very similar overall scores compared to Farmers, but it ranked higher with respondents in the important categories of how likely you are to renew and recommend to others shopping for insurance. Among the the insurer we studied, we found Geico also had the second-lowest representative rates on average for our representative male and female driver profiles in the 25-year-old age group, trailing only USAA. For older driver profiles, Geico remained the affordable choice, with cheaper study rates than all other insurance companies other than USAA. 

Read more in our Farmers vs. Geico Head to Head »

Farmers Auto Insurance vs. Allstate Auto Insurance

Ranking near the bottom of our survey at eighth overall, Allstate lagged behind Farmers, Geico, and State Farm in overall satisfaction. Allstate lost points for everything from customer service to status updates to the time it took to process a claim. Allstate also ranked as the most expensive choice for auto insurance in our study, with the highest study rates for our representative driver profiles in multiple demographic groups.

Read more in our Farmers vs. Allstate Head to Head »

Types of Coverage From Farmers Car Insurance

Farmers offers a wide variety of auto insurance packages, from basic coverage to comprehensive and collision policies. It also provides insurance for antique and collector vehicles. Farmers’ website offers lists of approved mechanics and service facilities, as well as information on windshield repairs and car rental discounts.

Farmers also offers roadside emergency coverage that includes jump starting, an emergency tire change, and towing reimbursement of up to $150. If you’re stuck in the mud, coverage even includes winching as long as the vehicle is within 10 feet of a paved road. Other Farmers’ benefits include a free app that lets you view your insurance cards, pay your bill, contact an agent, and make a claim from the road.

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Farmers Car Insurance Complaints

Slightly more than 18 percent of Farmers’ customers responding to our survey were unhappy to the point of saying they were either unlikely or very unlikely to renew their policy when it came due. Most of the complaints centered around the cost of coverage. Only 30 percent of respondents gave Farmers the highest score for value.

“The rates are more expensive for the same coverage as other companies,” said one unhappy customer. 

Others were less wordy in their complaints, saying only “Too expensive” or “Rates are too high.” 

Despite earning solid scores for customer service overall, not all Farmers’ customers were happy with the company. Some said they stayed in spite of their experience, rather than because of it. 

“We have been with them a long time, but they drop the ball a lot.”

Farmers Car Insurance Discounts

Discounts vary by state, but Farmers offers the same perks typically found with competing insurers, including lower rates for older drivers, those with clean driving records, and customers who bundle homeowners and other policies with their auto insurance. Reduced rates may also be available for good students, cars with the latest safety equipment, and parents whose children are away at school and not driving their vehicles. Read our guide on car insurance discounts to learn more.

Other Types of Policies From Farmers

In addition to insurance policies for automobiles and trucks, Farmers offers specialized coverage for motorcycles, boats, personal watercraft, ATVs, motor homes, camping trailers, recreational vehicles, and even golf carts. 

Collectible car insurance coverage is also available, with specialized benefits including coverage for unattended vehicles at auto shows or for overseas travel if the owner is participating in a rally abroad. Collectible car policies can also specify that only original parts be used for repairs in the event of damage.

Farmers Financial Fitness

With a 4 percent market share, Farmers is far from the largest provider of car insurance. That still translates to more than 19 million policies. Farmers is owned by policyholders, not shareholders.

Other Insurance Brands Related to Farmers

The Farmers Group is made up of 46 different companies, including brands such as Foremost Insurance and Far West. A complete list of its companies can be found here:

www.farmers.com/companies/state/

Contact Farmers

More information about Farmers Auto Insurance can be found at www.farmers.com/auto/.

The company can also be reached by telephone at 888-327-6335.