Farmers commercial car insurance review

Build a unique policy to match your company’s needs’s rating: 4.0 / 5.0


  • Get a quote if you own a food truck or any small business that relies on a fleet.
  • Pick something else if you want a low maintenance plan as soon as possible.
  • Ideal for owners and employees who use a vehicle for business tasks and operations.

Roadside assistance

New car protection

Accident forgiveness


States served All 50 states
Claims methods online, phone
Payment schedule monthly
Cargo coverage No info available
Non-owner coverage
Lifetime repairs guarantee No


  • Plenty of discounts
  • Catastrophe response for natural disasters
  • Personal support from 50,000 agents across the US


  • Rates depend on region
  • Service depends on region
Bundling discount Yes
Anti-theft device discount No
Paid in full discount
Safety device discount No
Other discounts

Review by

Amy Stoltenberg is a staff writer at Finder. She manages Finder's newsletter, which is about all things personal finance, with a sparkling eye toward cryptocurrency and the exciting world of DeFi. When her laptop's closed, you can find her driving around Los Angeles, marveling at the palm trees. She studied writing at Savannah College of Art and Design and has been featured on the Zoe Report.

Expert review

When it comes to customizable policies, Farmers has local agents to help businesses find the coverage that’s right for them. But if you’re hoping for something more basic, or want to get a quote online, you might want to compare other commercial providers.

How to contact Farmers Insurance.

  • Phone. Call 888-327-6335 to get in touch with customer service and be matched with an agent.
  • Electronic message. Send a note securely through its website or the app.
  • Twitter. Tweet or DM @wearefarmers.

What commercial car insurance coverage does Farmers cover?

Farmers offers protection in the following areas, though you’ll need to work with an agent to see what’s available for your particular situation.

  • Liability. Helps cover damages if you or one of your employees was at-fault in an accident.
  • Underinsured motorist. Helps make up for losses caused by another driver who doesn’t have coverage.
  • Nonowner. This protection can back up your business if an employee causes an accident in their own car while on the job.
  • Lease/loan. Get backup protection for the amounts you owe according to a lease agreement.
  • Towing. Helps cover costs when you need the aid of a tow truck.
  • Rental car. If rental cars are part of your business plan, get insurance to cover possible damages.
  • Loss of use. Helps cover the costs of a replacement vehicle or other transportation expenses when one of your primary vehicles is out of use.
  • Gap coverage. Gap protection can fill in the gap when you total a car that you still owe money on.
  • Contents/property. If your car is packed with necessary tools and equipment, this can help protect it in case of theft or other loss.

What features does Farmers offer for business?

Farmers Insurance specializes in coverage designed specifically for contractors and food trucks. After adding liability and property coverage, you’ll customize a plan to fit the unique needs of your organization. Options include:

  • GPS tracking. This telematics feature allows you to keep an eye on the driving habits and whereabouts of employees.
  • Environmental remediation. Coverage in case one of your company’s vehicles causes environmental damage. It can help with the cost of governmental testing, too.
  • Primary and noncontributory. Helps untangle liability in case you’re a subtractor and cause damages on behalf of a primary contractor — and vice versa.
  • Mobile business interruption. If your business is primarily on wheels, this offers compensation in case your vehicle goes out of commission due to a covered loss.
  • Primary mobile food vendor. Designed specifically for food trucks, this coverage protects business property stored on your vehicle and can help with equipment breakdown and other securities.
  • Premier package for food trucks. Targeted toward food trucks, it helps cover the costs of potentially spoiled food and food-borne illnesses.

How reliable is Farmers?

Farmers has been accredited by the BBB since 1951, where it has an A+ rating. That’s a good indicator Farmers is in good standing among industry peers and has a reputation for responding to customer complaints.

Farmers Insurance has an A rating from A.M. Best. And in 2018, Farmers won the “Carrier of the Year” award at the Insurance Nexus Claims Innovation Awards. Additionally, it’s been on the Fortune 500 list for five years.

Alternatives to Farmers commercial auto insurance

Name Product AM Best financial rating Available states
Progressive commercial car insurance
All 50 states
Cover nearly any business vehicle from box trucks to limos with big savings from discounts, safety programs and a single deductible.
Not rated
All 50 states except Alaska & Hawaii
Compare multiple quotes for business auto insurance to find the cheapest rates from this online commercial insurance broker.
The Hartford commercial car insurance
All 50 states
The Hartford’s customized auto insurance policies protect your business fleet with well-rounded coverage and a safe driving program.
Liberty Mutual commercial car insurance
All 50 states
Take advantage of telematics to monitor and improve employees' driving and save on insurance premiums.

Compare up to 4 providers

Where can I get commercial car insurance from Farmers?

Farmers Insurance offers coverage to residents of all 50 states with more than 48,000 agents nationwide.

Pros and cons of Farmers commercial car insurance

Finding the right coverage for small businesses is key. Weigh the benefits and drawbacks before signing on.


  • Build-your-own coverage plans. Needs of each company are unique, so customizable policies help.
  • Food truck expertise. Farmers has experience insuring food trucks and their owners, and has developed special protection options to cover your bases.
  • Local agent support. You don’t have to do it yourself — expect one-on-one service with an agent who’s likely nearby.
  • Strong reputation. It’s financially stable and recognized throughout the industry as an innovator.
  • Mobile app. Manage your policy 24/7 from anywhere in the world via its app.
  • Additional insurance available. Farmers offers business liability and property insurance as well so you can keep all of your policies under one roof.


  • No online commercial quotes. Its website only offers quotes for personal coverage. You won’t be able to get a ballpark number for what it’ll cost to insure your business’s fleet.
  • No online signup. To seal the deal, you’ll need to reach out to an agent directly.
  • Lengthy process. Farmers doesn’t offer grab-and-go plans for commercial clients. You’ll need to be prepared for a potentially involved process.

Frequently asked questions about Farmers Insurance

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.

Learn the details of our methodology and scoring.

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