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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 multi-policy discounts when you purchase both home and car insurance through them, as well as multi-car 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.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

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

Farmers Rating and Review

Rating: 3.94/5

See the Best Car Insurance Companies

Of the 10 auto insurance companies included in our survey, Farmers ranks fifth. Farmers earned their best scores for customer service and ease of filing a claim, with more than half of the respondents saying they were completely satisfied in those categories.

Customers are more divided about the company’s follow up, with more respondents giving Farmers the lowest score on claim resolution than almost any other measure. Nearly 20% said they were dissatisfied or very dissatisfied with how their claim was resolved.

“They don't stand behind their customer's claims,” complained one customer. “Two times they blamed me for an accident even when...it wasn't [my fault],” said another.

Kittisak Jirasittichai / EyeEm / Getty Images

Despite the complaints, 66% of respondents said they were likely or very likely to renew their car insurance with Farmers and almost 68% said they were satisfied with the value they received.

Farmers Pros and Cons

Pros

    • Low- to high-mileage drivers see only a small price increase

Cons

    • Rates are among the most expensive in our survey

How We Created This Farmers Car Insurance Review

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 rankings 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 2,732 consumers who filed a car insurance claim in the last five years, asking questions about their car insurance company. Of the survey respondents, 74 filed a claim with Farmers. 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 Rankings and this head-to-head comparison.

Our Study Rates

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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 study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 12,000 miles per year and 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.

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Farmers Car Insurance Costs

See the Cheapest Car Insurance Companies

With an average representative rate of $1,682, Farmers is one of the more expensive car insurance companies in our study. Only Allstate ($1,880) and Nationwide ($1,864) have higher representative rates. USAA proves to be the bargain of the bunch with an average policy cost of $885, according to our analysis. The average rate among all the companies in our study is $1,416. The rates discussed here are for comparative purposes only. Individual rates will differ.

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

Farmers Car Insurance Rates by Age

Group

Average Rate

Single 25-year-old male

$1,996.14

Single 25-year-old female

$1,907.90

Married 35-year-old male

$1,619.40

Married 35-year-old female

$1,630.54

Married 60-year-old male

$1,507.00

Married 60-year-old female

$1,430.82

As with all of the car insurance companies in our study, Farmers' representative rates for younger driver profiles are higher than those for older driver profiles. Sample rates are $1,996 on average for a 25-year-old male profile with Farmers and $1,908 for a 25-year-old female. Those representative rates make Farmers the third-most-expensive choice for younger drivers in our study. Only Nationwide and Allstate have higher study rates.

Farmers’ representative auto insurance rate for a 60-year-old female or male profile is substantially less, at $1,431 and $1,507, respectively, while the average rate for the 35-year-old male or female profile comes in at $1,619 and $1,631, respectively.

To determine the average 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.

Farmers Car Insurance Rates by Annual Mileage

Annual Mileage

Average Rate

6,000 miles annually

$1,670.19

12,000 miles annually 

$1,681.97

Mileage doesn’t make a big difference in representative rates for our sample driver profiles with Farmers. Driver profiles with 12,000 miles a year have an average study rate of $1,682. That’s only about $12 more than the sample rate of $1,670 for those who drive half as many miles annually. The increase with Farmers is among the lowest of all insurers in our study. Only Progressive has a lower representative hike: $5.

We created two driver profiles to compare how annual mileage can change car insurance rates: 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 were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Farmers Car Insurance Rates by Coverage Type

Coverage Type

Average Rate

Low

$1,582.46

Medium

$1,681.97

High

$1,786.91

Choosing low, medium, or high coverage levels makes a bigger difference in rates. Opting for high coverage limits instead of low with Farmers raises annual representative rates from $1,582 to $1,787, on average, in our study. That’s more than most competitors. Still, that only works out to about $205 per year, which isn’t much of an increase when you compare it to the cost of medical and auto body repair. Consider your needs carefully when deciding how much coverage you need.

We created identical profiles in our study to represent drivers, then found out how 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 aged 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis.

Farmers Car Insurance Rates by Credit History

Credit History

Average Rate

Good

$1,642.06

Fair

$1,838.30

Poor

$2,668.67

For driver profiles with a good credit rating, Farmers’ rate is $1,642 annually, on average. It jumps to $2,669, or about $1,030 more, for driver profiles with poor credit. That works out to an increase of about 63%. That’s a smaller increase than you’ll find with most companies in our study, but keep in mind that Farmers’ rates for good credit profiles are already high.

Based on profiles of male and female drivers aged 25, 35, and 60, our study verified that credit scores affect car insurance rates. 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 driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis.

Farmers Car Insurance Rates by Driving Record

Driving Record

Average Rate

Clean record

$1,681.97

With 1 speeding violation

$2,099.32

With 1 accident

$2,445.87

With 1 DUI

$2,640.01

Your driving record also makes a big difference in what you’ll pay for auto insurance. The average Farmers’ study rate for representative driver profiles with a blemish-free history is $1,682. Having just one speeding violation raises that representative rate to $2,099. An accident raises the average to $2,446, and one DUI offense brings it to $2,640. That’s about 7% more than the average rate among all companies for driver profiles with one DUI.

To find out just how much of an effect a person's driving record has on insurance rates, 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 of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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 for older driver profiles. 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 of $1,996. Female representative driver profiles of the same age averaged $1,908. Only Nationwide and Allstate were more expensive for this group, and overall in our study. 

Farmers vs. Other Insurance Companies

Farmers Auto Insurance vs. State Farm Auto Insurance

Landing fifth in our survey, Farmers is slightly behind fourth-ranked State Farm in nearly every category. Farmers has a narrow edge in our survey when it comes to satisfaction with value and status updates.

State Farm's representative rates in our driver profile studies proved to be substantially less than Farmers’ across all ages, particularly among younger driver profiles. According to our study, rates for the 25-year-old female profile are about $580 less on average with State Farm than with Farmers. The gap narrows for older driver profiles, but State Farm is still less expensive, by about $333 annually for the 60-year-old female profile.

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

Farmers Auto Insurance vs. Geico Auto Insurance

Second-place Geico leads Farmers in all survey categories, most drastically when it comes to customer service satisfaction and how likely customers are to recommend the company. Among the insurers we studied, Geico had some of the most affordable representative rates for young driver profiles. For the 25-year-old male profile, Geico was about $730 less annually than Farmers, on average, and about $543 less for the 25-year-old female profile. Geico was the affordable choice for older driver profiles, as well, with cheaper representative rates than not only Farmers but all insurance companies other than USAA. 

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

Farmers Auto Insurance vs. Allstate Auto Insurance

Ranking third overall in our survey, Allstate lagged only Geico and USAA. Allstate edged Farmers in every survey category, though scores were close in several. When it comes to representative rates based on our driver profiles, however, the results were reversed, as Farmers had the advantage across all representative rates. In fact, Allstate 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, emergency tire changes, 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.

Farmers Car Insurance Complaints

Slightly more than 15% 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. “Too expensive,” one customer succinctly said. Still, nearly 50% of respondents gave Farmers the highest score for value.

Despite earning solid scores for customer service overall, not all Farmers’ customers were happy with the company. Almost 20% of respondents were unlikely or very unlikely to recommend Farmers to others looking for car insurance.

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, those with cars that have 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% 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.

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 be reached by telephone at 888-327-6335.

Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.