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Farmers car insurance review February 2018

Car insurance is something that you need but hope you never have to use. Looking for a provider can be tricky through the unfamiliar lingo and catchy commercials.

Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

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What is Farmers?

Farmers Insurance was founded in the 1920s to insure the vehicles of rural farmers. Its goal has always been to provide quality insurance at affordable prices. Leaders in the industry, Farmers was the first to offer options that are now standard, like comprehensive car coverage and interest-free monthly premium payments.

Today Farmers Insurance is much more than auto insurance, with offices all across the country. From humble beginnings, it’s grown into a Fortune 500 company that covers more than 10 million households.

What sets Farmers Insurance apart?

Farmers Insurance knows it’s important to give back. The company has a history of dedication to the communities it serves and a commitment to dedicate time and resources to disaster resilience, education and civic engagement. So you can feel good about your insurance choice.

Pros and cons

Pros

  • Discounts. Get discounts for your student away at college, owning your home or mature drivers and potentially be rewarded for safety features on your car.
  • Catastrophe response. A mobile claims team is ready in case of fire, hurricane, earthquake or any other natural disaster.
  • Personal support. If you prefer to do your business in person, you’ll have no trouble one of 50,000 agents across the US.

Cons

  • Rates depend on region. Most of its business is on the West Coast. Customers in other parts of the country may see higher rates.
  • Service depends on region. Many of the catastrophe services Farmers offers apply only to certain geographic areas.

Farmers Insurance competitors

Rates last updated February 23rd, 2018
Details Features
Esurance
Esurance
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
  • CoverageMyWay® helps you make smarter choices
  • Gain peace of mind with 24/7 claims service
  • Manage your policy on the go with Esurance Mobile
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Allstate Auto Insurance
Allstate Auto Insurance
With a range of coverage options at affordable prices, Allstate auto insurance can be personalized to your needs as a driver.
  • Reward System for Safe Drivers
  • Bumper-to-Bumper Basics® Tool
  • Comprehensive Tools to Design a Customized Insurance Plan
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Liberty Mutual Car Insurance
Liberty Mutual Car Insurance
Car insurance through Liberty Mutual will give coverage options for almost any situation.
  • Multi-car discount
  • Bundle discount for combining auto and home policies
  • New vehicle discount
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What car insurance coverage does Farmers offer?

Farmers offers complete coverage in all 50 states and Washington, DC.

  • Bodily injury liability. This protects you if you injure someone with your car, but it doesn’t cover damage to you or your car.
  • Collision coverage. Pays for damage to your car when your car hits or is hit by another car.
  • Medical payments, no-fault or personal injury protection coverage. If you or anyone in your car is ever hurt in an accident, medical coverage pays for medical expenses.
  • Uninsured motorists’ coverage. Covers you for damages and injuries caused by an uninsured driver.
  • Personal injury protection coverage. Pays for the medical expenses of an injured driver and passengers in your car.
  • Comprehensive physical damage coverage. Covers you for damages other than a collision, like vandalism.
  • Property damage liability. Protects you if your car damages someone else’s property.
  • New car replacement. Farmers will pay to replace your car if it’s totaled in the first two model years or within 24,000 miles.
  • Accident forgiveness. After five years of no accidents, your premium won’t go up after one at-fault accident.
  • Small-claim forgiveness. After a small at-fault accident, your premium won’t go up.
  • Incident forgiveness. If no claims are filed after an incident, like a speeding ticket, your premium won’t go up. This is not available in all states.
  • Rental reimbursement. Covers the cost of a rental car while yours is being repaired.
  • Extended customized equipment. Coverage for your custom car parts like a new stereo or chrome rims.
  • Rideshare insurance. If you’re a driver for companies like Lyft or Uber, limited liability coverage is typically provided for when you’re hauling passengers only. Farmers Insurance fills in the gaps between riders so that you’re always covered.

Does Farmers offer any other types of insurance?

Farmers Insurance provides insurance for just about everything from cars and homes to businesses, life and pet health.


Bottom line

Farmers is a nationwide Insurance company that specializes in catastrophic coverage but offers a range of coverage. This provider stands out for corporate giving efforts and competitive rates.

To find the best rates and coverage, compare your available options before signing a contract.

Get your personalized auto quote

Use our magical comparison tool to find providers with the best rates in your area.

Frequently asked questions about Farmers

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2 Responses

  1. Default Gravatar
    JerryFebruary 19, 2018

    Who all are covered in the Bodily Injury Liability coverage, and who is not?

    • Staff
      AndyFebruary 21, 2018Staff

      Hi Jerry,

      Thank you for reaching out to us! If you hit someone else with your car, this kind of coverage takes care of their injuries — but it doesn’t cover any of your injuries, or damages to your car.

      To learn more about bodily injury liability coverage, we recommend you visit our guide to the topic.

      For any further clarification about your own car insurance policy, it might help to get in touch with your provider. We hope this information was helpful and that you have the information you need!

      Cheers,
      Andy

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