Farmers Insurance Reviews, Coverage Options, and Ratings for 2020

The Zebra
Dec. 18, 2019

Farmers auto insurance review: see coverage options, discounts, and more

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3.5 Rating from The Zebra

Headquartered in California, Farmers is one of the most popular car insurance providers in the US. Farmers provides a personal, local insurance agent for every customer. The company, which was founded in 1880, offers a wide selection of insurance options outside of home and auto. Let’s explore each of Farmers auto insurance products and see if one of the oldest insurance providers in the US is right for you.


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JD Power Rating — Above Average: JD Power ranks Farmers better than most in terms of overall customer satisfaction and claims servicing.

Financial strength — Excellent: AM Best awarded Farmers an “excellent” financial strength score. You should not worry about the company's ability to pay out claims.

NAIC Rating — Sub-par: The NAIC received more complaints from policyholders regarding Farmers than average in its most recent year of reporting.

JD Power Rating — Above Average: JD Power ranks Farmers better than most in terms of overall customer satisfaction and claims servicing.

Financial strength — Excellent: AM Best awarded Farmers an “excellent” financial strength score. You should not worry about the company's ability to pay out claims.

NAIC Rating — Sub-par: The NAIC received more complaints from policyholders regarding Farmers than average in its most recent year of reporting.

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Farmers car insurance coverage options

Farmers auto insurance coverage includes basic state-mandated coverages, as well as comprehensive and collision. Let’s explore some of Farmers' more unique coverage options.


Towing and roadside assistance coverage

Towing and roadside assistance coverage are optional insurance policy add-ons. With Farmers 24/7 roadside assistance coverage, you can get help under the following circumstances:

  • Flat tire change
  • Locksmith services
  • Roadside winching
  • Towing services to the nearest qualifying mechanic
  • Police, fire, or medical assistance connection

Accident forgiveness

If you’ve stayed accident-free for three years, Farmers will overlook your first at-fault accident.


Loss of use

If your vehicle isn’t driveable as a result of a covered loss, Farmers will reimburse you for expenditures related to cabs, public transit, or a rental vehicle. This is part of Farmers' collision or comprehensive coverage.


Car rental reimbursement

If your vehicle is deemed undrivable, this insurance coverage will pay for you to use a rental vehicle. This coverage applies for up to 30 days.


Customized equipment coverage

If you have modified your vehicle, you can add this coverage to replace these upgraded parts in the event of a covered loss. This coverage could protect add-ons like speakers or alloy wheels.


Glass buy-back

If you have a crack in your windshield, Farmers will help you replace or repair the damage.


Original equipment manufacturer

With this coverage, any new parts to your coverage will be replaced with the original manufactured parts. You must maintain collision and comprehensive coverages for this feature to apply, and your vehicle must be less than 10 years old.


Rideshare insurance

If you’re driving for Lyft or Uber, Farmers strongly recommends adding rideshare insurance to your policy to ensure your vehicle is fully protected. This coverage will extend your Farmers coverage to the time you spend driving around, waiting for a ride request.


Farmers insurance discounts and reward programs

Farmers has a few state-specific discounts and rewards programs. Speak to a Farmers agent near you to see if these programs are available in your location.


Multi-policy discount

If you have more than one Farmers policy, you can earn a multi-policy discount.


Good driver discount

If you’ve avoided collisions for three to five years, you could earn a discount on your Farmers auto policy.


Good student discount

If you or a driver on your policy has a GPA of 3.0 or better and is under the age of 25, you can earn a good student discount.


Homeowner discount

Depending on where you live, you can earn a small discount for your homeowner status with Farmers.


Affinity/membership discount

Certain occupations can receive a discount on a Farmers policy. Proof of occupation is usually required. Subject to state regulations.


Signal telematics program

Signal is Farmers' telematics program. This program uses a mobile app to gauge the way you drive and more accurately price your insurance premium. It looks at the frequency of hard braking, excessive speeds, and distracted driving habits to determine your premium. Signal by Farmers is not available in every location. 

 

Farmers Insurance Group subsidiaries

Currently, Farmers owns a number of smaller insurance companies to diversify its product offerings. Below are a few of Farmers' most popular subsidiaries.

 

Additional Farmers Insurance Group products

Farmers offers a few additional lines of insurance.

 

Is Farmers car insurance right for you?

This isn’t a question we can answer for you. While Farmers does have excellent financial strength and JD Power ratings, it also suffers from an above-average number of client complaints. Your experience with Farmers Insurance may depend on your personal insurance agent.

The last aspect we did not mention in our Farmers review is the cost of the company's insurance premiums. Because insurance rates reflect your vehicle, your location, your driving record, and potentially even your credit score, it is difficult to give an accurate quote without these details.

The best way to find the lowest cost insurance policy is to compare Farmers' rates with those of other companies. Enter your ZIP code below to get started.

 

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