Foremost Insurance Review

  • With 2.7/5 stars in 2024, Foremost is a fair insurance company.
  • Read Foremost reviews, complaints and prices before you buy.
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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

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Renata Balasco

Senior Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Foremost insurance: Ratings and reviews

2.7 100% filled Star icon 100% filled Star icon 70.00000000000001% filled Star icon 0% filled Star icon 0% filled Star icon

Rating from The Zebra Question mark icon

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. 

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. 

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.

100% filled Star icon 100% filled Star icon 70.00000000000001% filled Star icon 0% filled Star icon 0% filled Star icon
2.7 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
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Pros
  • Local agents serve customers with individual care

  • Bundling options available

  • Superior NAIC rating signals few customer complaints

Cons
  • Limited online information

  • 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.


How much does Foremost insurance cost?

Currently, the national average for a 6 month car insurance policy is $880, whereas Foremost is about $1461 or roughly 66% more expensive than a typical policy, so definitely not one of the cheapest auto insurance options available

The table below shows how Foremost auto insurance compares against other top insurers. 

Average Monthly Cost by Insurance Carrier
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.

Foremost Costs by Age Group
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 — auto insurance

The auto insurance rates displayed throughout this page come from The Zebra’s Dynamic Insurance Rating Tool, a proprietary insurance premium estimator that uses the most recent rate filings across the United States at the ZIP code level to provide up-to-date rate data. Most insurance companies file car insurance rates one to two times a year. This data comes from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is programmed into The Zebra’s dynamic rating tool.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data 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.

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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. 

Foremost offers even more coverage options at an additional price. For more information on Foremost's coverage options, visit their website

foremost logo

Additional lines of insurance

Aside from their auto insurance product, Foremost offers many other lines of insurance that customers may take advantage of. This includes: 


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 considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:

  • Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
  • Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
  • Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
  • Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
  • The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.

For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

These sample premiums are dynamic and automatically refresh whenever the newest data is made available.

To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.

For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.


Foremost insurance: Frequently asked questions

Foremost Insurance can be a good option for those seeking high-risk car insurance. While its rates are relatively high, its 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. Additionally, it receives a below-average number of complaints with the NAIC and boasts strong financial ratings from AM Best.

Farmers Insurance Group owns Foremost.

Foremost mobile home insurance typically covers the mobile home's structure against risks like fire and theft, personal belongings inside the home, and offers liability for on-property incidents. Optional replacement cost coverage can provide up to an additional 20% of the amount of your home should you need to replace your mobile home. Exact coverages may differ depending on the chosen policy and endorsements.

Foremost insurance is licensed in all fifty states and Washington D.C. However, the availability of specific products might vary by state.

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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.