Foremost Insurance Review: Is Foremost a Good Insurance Company?
- With 2.7/5 stars in 2025, Foremost is a fair insurance company.
- Read Foremost reviews, complaints and prices before you buy.
Foremost insurance: Ratings and reviews
A member of the Farmers Insurance Group, Foremost Insurance has offered an array of insurance coverage options since 1952. While Foremost is known for its RV and mobile home insurance offerings (in a partnership with AARP), the company's home and auto insurance options are also popular.Â
For car insurance, Foremost partners with another reputable provider, Bristol West, to insure high-risk drivers who may struggle with finding insurance elsewhere. While it may offer more perks and coverage options than some non-standard insurance companies, Foremost remains more limited than most of the bigger providers like GEICO. Similarly, its homeowners insurance policies are aimed at non-standard customers who might have trouble finding affordable insurance coverage from a standard or preferred carrier.Â
Read our Foremost Insurance review below to get a better sense of the company's home and auto insurance options and what you can expect as a Foremost customer.
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Local agents serve customers with individual care
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Bundling options available
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Superior NAIC rating signals few customer complaints
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Limited online information
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Higher than average insurance premiums
Is Foremost a good insurance company?
A large part of The Zebra's review score incorporates how well Foremost is rated in terms of customer service. In order to determine that we looked at the following third-party ratings.
Trustpilot Reviews: 3.2/5
- Foremost earned 3.2/5 stars from Trustpilot[1]
Complaint Index: Below average
- The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for Foremost[2]
Financial Strength: Excellent/Good
- Foremost received an Excellent/Good financial stability rating from A.M. Best.[3]
The Zebra Customer Satisfaction Survey
In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which car insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on Foremost for it to be included.
Foremost vs. other top insurance companies
How much does Foremost insurance cost?
Currently, the national average for a 6 month car insurance policy is $1,084, whereas Foremost is about $1,943Â or roughly 79%Â more expensive than a typical policy, so definitely not one of the cheapest auto insurance options available.Â
The table below shows how Foremost auto insurance compares against other top insurers.Â
| Company | Avg. Monthly Premium |
|---|---|
| Foremost | $243 |
| Hanover | $281 |
| Mercury | $182 |
| Progressive | $157 |
| Farmers | $149 |
| State Farm | $131 |
| Arbella | $124 |
Similar to any insurance company, pricing for Foremost auto insurance does vary based on your age and generally will get cheaper the older you get.
| Age Group | Avg. Monthly Premium |
|---|---|
| Teens | $747 |
| 20s | $303 |
| 30s | $230 |
| 40s | $223 |
| 50s | $206 |
| 60s | $226 |
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.
Discounts offered
Foremost offers the chance to save on the cost of your insurance coverage. Have a look at some of the ways that you can keep that hard-earned money in your pocket.
- Electronic pay — By paying securely online, you can expect to see savings.
- Multiple policies — Bundle your auto and home insurance for a discount through Foremost Insurance.
- Multiple cars — Save by insuring multiple vehicles through Foremost.
Additional discounts are available if you purchase a Foremost home, renters, or condominium policy in addition to the Foremost or Bristol West auto policy. Read more about Foremost's auto insurance discounts here.
Search, compare and buy all on one site. Start saving today!
What types of coverage does Foremost offer?
Foremost auto insurance provides many of the standard coverage options you would expect from a car insurance carrier, including liability coverage (both bodily injury and property damage), comprehensive and collision and uninsured/underinsured coverage.
- Rental reimbursement - If you experience an auto accident and need to rent a vehicle during repairs, Foremost will cover up to $50 per day for 30 days.
- Roadside service - Towing and roadside assistance are available to Foremost customers up to the policy limits.
- Loan/lease coverage - If your lease or financed vehicle is deemed a total loss after an accident, Foremost will cover the difference between what you owe on the vehicle and what your insurance pays, minus your collision or comprehensive deductible.
- Medical payments - This coverage will pay up to $10,000 in medical care should you suffer an injury in an accident.
- One household, one policy - Your Foremost Insurance policy covers all included vehicles on a single bill, meaning that you won’t have to worry about separate renewals or effective dates.Â
Foremost offers even more coverage options at an additional price. For more information on Foremost's coverage options, visit their website.Â
Foremost insurance review: Summary
In a nutshell, Foremost is worth looking into if you are considered a high-risk driver and are in need of a non-standard insurance provider. It's partnerships with AARP, Farmers and Bristol West allow the company to offer an array of insurance products for customers who may have difficulty being accepted elsewhere. However, rates are relatively high. Overall, The Zebra believes that Foremost should be a contender in your search for high-risk car insurance.
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.
Foremost insurance: Frequently asked questions
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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.