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Jing Jun Ma is an innovations expert at Finder. With a decade of experience in digital marketing and programming, Jing is a tech and data guy. He wrangles data to make it useful for consumers facing a decision.
Expert Review
Review by
Jing Jun Ma
Starting from humble beginnings, Farmers has grown into a Fortune 500 company that covers more than 10 million households with a wide range of coverage. This insurer stands out for competitive rates and coverage, including several discounts and special programs that make it an attractive option for nearly anyone.
However, the inability to purchase coverage online and inconsistent rate structure could mean there are better options if these are your top priorities.
Expert review
Starting from humble beginnings, Farmers has grown into a Fortune 500 company that covers more than 10 million households with a wide range of coverage. This insurer stands out for competitive rates and coverage, including several discounts and special programs that make it an attractive option for nearly anyone.
However, the inability to purchase coverage online and inconsistent rate structure could mean there are better options if these are your top priorities.
What types of coverage does Farmers offer?
Its policies are available in all 50 states through a network of almost 50,000 independent agents, providing both convenience and personalized service.
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 in the event of a collision with another car, regardless of who is at fault.
Comprehensive physical damage coverage. Covers you for damages other than a collision, like vandalism.
Personal injury protection. Pays for the medical expenses of an injured driver and passengers in your car.
Property damage liability. Protects you if your car damages someone else’s property.
Uninsured motorists coverage. Covers you for damages and injuries caused by an uninsured driver.
What extras and add-ons does Farmers offer?
Farmers insurance boasts an impressive selection of optional extras, making it a great choice for those looking for complete coverage.
Accident forgiveness. After three years of no accidents, your premium won’t go up after one at-fault accident. This resets every three years.
Customized equipment. Coverage for your custom car parts like a new stereo or chrome rims.
Glass repair services. Farmers offers a glass repair program to provide minor repairs to your windows or windshield without having to file a claim.
Loss of use. If you aren’t able to use your car after an accident and have to resort to public transit, taxis or other means, Farmers can reimburse you for any travel expenses you incur.
Medical payments. If you or anyone in your car is ever hurt in an accident, medical coverage pays for medical expenses.
New replacement. Farmers will pay to replace your car if it’s totaled within 24,000 and the first two model years.
Original equipment manufacturer parts. Pays for repairs that use parts straight from the factory. Your car must be 10 years old or younger to purchase this coverage.
Rental reimbursement. Covers the cost of a rental car while yours is being repaired.
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.
Roadside assistance. If your car breaks down, has a flat tire, or requires any sort of roadside assistance, Farmers has you covered 24/7.
Depending on your state, policy, driving record and a number of other factors, you may be eligible for some of the many discounts on Farmers auto insurance.
Affinity group. Active members of professional and business groups that partner with Farmers can snag this discount.
Alternative fuel. Get better rates when you drive a vehicle that uses an alternative fuel system. Examples include electric vehicles and gas-electric hybrids.
Distant student. Receive discounts if a student driver on your policy attends school away from home.
Good student. Under-25s going to school full time who meet the academic standards set by Farmers may be able to save on their premiums.
Homeowner. Save even more when you own your own home.
Mature driver. Mature drivers can get better rates on auto insurance based on their experience after completing a driver safety course.
Multicar. Add more than one car to your policy and save.
Multipolicy. Get better rates when you have multiple types of coverage with Farmers.
Payments. Receive a discount for paying your premiums in a single, lump-sum payment rather than monthly installments. You can also receive a discount for enrolling in autopay.
Safe car. Receive better rates if your car is equipped with safety equipment like antilock brakes and antitheft devices.
Signal program. You can receive a discount on your auto insurance premiums when you use the Signal app to monitor your driving.
Teen driver. Qualify for a teen driver discount by keeping your young driver on your policy for two years. You can also get a separate discount when your young driver completes a driver safety course.
Transfer. Receive a discount for switching from another auto insurance company.
Does Farmers Insurance offer any special programs?
Along with the Signal program to cut insurance costs and build better driving habits, Farmers has a car-buying service. It has access to a network of over 12,500 trusted car dealers to help make shopping for a car easier and more affordable.
Ready to get insured?
Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.
Discounts. Get discounts when your student is away at college, you own a home, for transferring from another company and many more.
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 connecting with one of 50,000 agents across the US.
Cons
Rates depend on region. Since 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.
Can’t get coverage online. While you can get a quote and iron out all of the details of your desired policy, you’ll need to contact an agent to purchase a policy.
Ask an expert: Should I compare customer reviews?
Kirby George
Farmers, Licensed Insurance Agent
Are you comparing Farmers or State Farm with Goosehead or Elephant? How long has the company been around? Will they still be around in 15 years? What kind of reputation do they have? None at all? That should be a red flag! Be positive ALL coverage matches when comparing quotes.
Farmers Insurance is accredited with the Better Business Bureau (BBB) and earns an A+ rating from the agency as of February 2020. Customer reviews are tougher, with an average rating of just over 1 star out of 5. Reviews left on the BBB site mention payment issues, trouble canceling coverage and denied claims, among many other complaints.
How to apply for Farmers auto insurance
Unfortunately, you won’t be able to purchase coverage online. You’ll need to get a quote and then speak with an agent to actually purchase a policy. Here’s how to get started:
Go to the Farmers Insurance website
Enter your zip, then click Get a quote
Fill out your personal information and address, then click Start your quote
Enter your vehicle information, then continue through each step until you are given the option to add your vehicle
Fill in your driver info and select Continue
Enter your contact information and click Continue
Add any additional drivers
Choose your coverage start date, then click Select April 2020
Review and adjust your coverage options, then hit Continue
You’ll be given a quote number and matched with an agent who can walk you through the next steps
How to file an auto insurance claim with Farmers Insurance
Visit the Farmers Insurance website and select Report a claim from the Claims drop down
Log in, look up a policy by number, or continue as a guest
Click Let’s get your claim started
Enter policy information, incident details and any other information you are asked for, then Submit
If you have an account, you’ll be able to monitor claim status and other details. If not, an agent will be in touch in the following weeks.
How do I contact Farmers Insurance?
There are a number of ways you can get in touch with Farmers Insurance, but first, you’ll need to visit the Contact us page.
Find an agent online or by phone
Send a message to customer service
Contact the customer service line at 888-327-6335
Frequently asked questions about Farmers Insurance
Yes. You can access your insurance card, pay your bill, file a claim and connect with your agent through the free Farmers Insurance mobile app.
Rental car coverage varies by state. Check your policy or contact your local Farmers agent to confirm coverage.
Yes, you can file a claim online. In addition, you can call, email, connect with the app or see your agent in person to file a claim.
Car insurance ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our insurance team analyzes car insurance providers to help you choose the best car insurance for you. We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.
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!
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