Foremost car insurance review February 2018 |

Foremost car insurance review February 2018

Foremost Car InsuranceAre you a high-risk driver? This car insurance provider may be just what you’re looking for.

Foremost provides coverage to high-risk drivers when other companies might not. Plus, it offers flexible payment options to fit a wide range of budgets. It also has some features — like rental car reimbursement — you might not see elsewhere at this price point.

What is Foremost?

Foremost, which began in 1952 as a mobile home insurer, is now a multi-line insurance provider under the nationwide Farmers Insurance parent company. It’s broadly recognized as a company that offers coverage to customers considered to be high-risk, meaning other insurers may not be able or willing to offer them coverage.

What kinds of car insurance does Foremost offer?

  • Liability protection. Coverage when you’re at fault in an accident that results in property damage or bodily harm.
  • Collision/comprehensive damage. Pays for damage caused to your car if you hit another car or object; also covers damage from fire, flooding, hail, theft or vandalism.
  • Personal injury protection. Covers the cost of doctors, hospitalization or even funerals if you or a passenger is injured or killed, no matter who is at fault in the accident.
  • Uninsured motorists coverage. Pays for costs of damage or injury from a hit-and-run accident or an incident where the other driver is uninsured. This covers you and your passengers on medical expenses, lost wages and other injury-related losses.
  • Underinsured motorists coverage. This coverage takes care of the gap between someone else’s policy limits and the actual cost of your medical expenses after an accident.
  • Rental reimbursement. If your vehicle is out of commission, Foremost will reimburse your rental car costs up to the limits of your coverage.
  • Towing and roadside service. Reimburses you if your car needs to be towed or if you request roadside assistance and you pay out of pocket.
  • Loan/lease coverage. If your car is totaled, this type of coverage will pay off your loan or lease so you’re not stuck with payments for a car you can’t drive.

What other types of coverage can I get with Foremost?

Aside from having your car insured, you can also get your RV, boat, snowmobile, ATV and even your powered scooter or golf cart covered by a Foremost policy.

Two other types of coverage they offer include:

Foremost’s home insurance includes insurance options for your house, mobile home, vacation house or rental space. It can also cover you for flood damage to your home.

For businesses, Foremost has policies meant to fit the needs of your business, including worker’s compensation, commercial auto insurance and umbrella policies for the entire workplace.

Foremost also provides discounts for bundling your different insurance policies, giving you an incentive to insure your home, vehicle and business through the same provider for more seamless interaction and discounted premiums.

Pros and cons


  • Supports high-risk policy holders. Some drivers have difficulty getting insured. Foremost is known to be an insurer that tolerates greater risk from its policyholders than other providers, which can be helpful if you’re in a tough spot and need to get insured now.
  • Financial solidity. Partly because it’s backed by the Farmers Insurance Group and Zurich International, Foremost is known to be financially strong. It has a top-tier financial stability rating from S&P, among others.
  • Dynamite Deductible Endorsement program. Get $50 off your deductible for every twice annual policy renewal. The lower your deductible, the less you’ll end up paying when car repairs or replacements are needed.
  • Overall positive ratings. While Foremost has received mixed to negative customer reviews, it’s accredited by the Better Business Bureau (BBB) and has an independent rating of A-. In addition, it’s part of the Farmers Insurance Group, which is also BBB accredited with an A+ rating.


  • Online quotes unavailable. Unlike many providers, Foremost has no online tool for you to get a quote for any of its policies.
  • Factors credit score into policies. In some states, Foremost factors credit scores into approval or denial of your application. This means if you have a poor credit score, you may be denied on that basis alone — or your great credit can help you get a lower rate.

What do customers say about Foremost?

Mostly good stuff. BBB gives Farmers Insurance, which is Foremost’s parent company, an A+ rating based on factors such as regulatory compliance, transparency, safeguarding privacy and integrity.

Customer reviews on the BBB website combine with the BBB’s own independent rating for a total score of 3.83 out of 5 possible stars, with the most common complaints being about Foremost’s insurance services themselves. Other complaints include billing and payment issues.

When assessing a product or service by reading reviews, it’s important to remember that many customers are unlikely to review something unless they want to rant or rave. This is one reason the BBB gives a composite score that takes customer reviews into account, but doesn’t entirely rely on them for a rating.

Bottom line

Foremost has earned accreditation and a high score with the Better Business Bureau by holding to solid business practices and taking care of its customers. It’s also more likely to accept a high-risk driver, such as someone with multiple accidents on their record, than other insurance providers.

If you fit that description, or if you simply want to go with a company that’s backed by an organization as sturdy as the Farmers Insurance Group, Foremost may be right for you.

Still can’t decide? Compare options through our comprehensive insurance guide.

Frequently asked questions about Foremost

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