Farmers Insurance Review (2026)
- Overall rating: good (3.6/5 stars)
- Average cost: $1,317 for a 6-month policy
- 82% of customers recommend Farmers
Read more below to get a quote directly from Farmers.
Farmers Insurance: A reliable choice for most shoppers
Farmers earns a good rating from The Zebra’s experts for its nationwide reach, customizable policies, and strong digital tools. That said, its above-average premiums are worth noting.
Our customers tend to trust Farmers, but its average claims experience suggests the process can take longer than expected.
Digital policy management: Farmers' online tools and mobile app are rated highly for smooth policy management.
Market consistency: Customers trust Farmers' stability, with its high financial strength and consistent policy terms.
Slow claims processing: While filing a claim is easy and straightforward, customers report a less-than-ideal experience with communication and transparency through processing.
Higher premiums: When comparing Farmers to similarly-sized providers, rates are often more expensive for the same risk profile.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Farmers car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Farmers is about $1,317.[1]
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how Farmers stacks up against competitors →
Discounts offered at Farmers: lengthy but common
Farmers offers a decently long list of discounts for policyholders. Along with the common options you'll find elsewhere— such as multi-policy, payment, and homeowner discounts— Farmers also offers unique opportunities to help customers lower their premiums.
Farmers applies this discount at renewal if you have no late billing fees for the 12 months prior.
Farmers' Signal app uses telematics to personalize your rate based on your actual driving habits. You can earn an intial discount just for enrolling, and additional discounts may apply later with safe driving.
With Farmers' GroupSelect auto coverage, you could unlock special savings just for being part of a certain employer or organization.
| Multi-policy | Signal |
| Loyalty | Affinity |
| ePolicy | Safe driver |
| Good Payer | Good student |
| Youthful driver | Distant student |
| On your own | 5 year accident free |
| Shared family car | Mature/defensive driver |
| Homeowner | Pay in full |
| Anti-theft |
To learn more about each discount Farmers has to offer, see their discounts page.
Compare with other companies
See how Farmers stacks up against similar companies
Cost: $1,317 average cost for a six month policy
Customer satisfaction: Medium
Our take:
- Wide range of discounts, best for families
- Middle of the road claims satisfaction
- Higher than average premiums but solid coverage options & service
Cost: $1,086 for a six month auto policy
Customer satisfaction: High
Our take:
- Slightly more affordable premiums on average
- Worse digital experience than Farmers
- Robust and wide ranges of coverage options
Cost: $1,133 average cost for a six-month policy
Customer satisfaction: High
Our take:
- Similar prices to Farmers
- Highest digital experience scores
- Poor rates for claims processing
Farmers' customer service & claims experience: Overall low
Farmers' customer service reviews have been declining as of late. Multiple reviews claim difficulty in cancellation, poor customer service over the phone and low claims payouts. These reports seem to be unique to drivers with claims, however, and new policyholders and those with a clean record have scored digital tools highly for policy services.
"Horrible customer service"
"Farmers insurance auto claims department is has horrible customer service and treats their customers poorly."
-BBB
"Other companies just plain do better"
"Horrible communications and customer service qualities. Everything that can go wrong is likely to go wrong and they can’t figure out why. Other companies just plain do better in all respects."
-Trustpilot
"Decent insurance coverage"
"They covered damage repairs to my car fairly easily although my rates increased significantly. Also, there were some issue with the rep handling my case not being responsive, but the issue was escalated and the person who stepped in was very helpful."
-Clearsurance
Farmers Customer Survey results
82% of customers recommend Farmers[2]
The Zebra conducted a survey across 4,000+ users to gather ratings on major carriers' customer service, claims process, ease of use, and more. See how Farmers was rated in individual categories by expanding the section below.
Source: The Zebra
How much will your rates climb after filing a claim with Farmers?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $1,261 |
| One comp claim | $1,318 |
| Two comp claims | $1,411 |
| At-fault accident - $1000-$2000 | $1,794 |
| At-fault accident - greater than $2000 | $1,794 |
Source: The Zebra
Farmers earns high marks for making it easy to file a claim, with a simple process available online, in the app, or over the phone. But from there, the experience often takes a hit. Customers report issues with communication and transparency, citing long wait times and frustrating claim outcomes.
Coverage options: The essentials, plus more
Beyond the standard coverage offerings you's expact from any carrier— like liability, collision and comprehensive, uninsured/underinsured motorist coverage, and personal injury protection— Farmers offers a wide array of unique coverages.
✔️ Rental car reimbursement
✔️ Glass deductible buyback
Carrier pulse: Recent news from Farmers
- Farmers' Insurance discloses data breach affecting 1 million customers[3]
Final thoughts: Is Farmers Right for You?
Farmers is worth considering if you're shopping for auto insurance — especially for drivers with complex coverage needs who value strong digital tools. That said, higher-than-average premiums and below-average customer service could be deal-breakers for some. Still, every driver’s situation is different, and Farmers may offer the best rate depending on your profile.
Frequently Asked Questions about Farmers
Get quotes from Progressive and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
Farmers' Insurance discloses data breach affecting 1 million customers. Mashable
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.