Farmers Auto Insurance Review: Affordable Coverage But Imperfect Customer Reviews

Farmers offers affordable coverage for most drivers and has a large agent network for in-person support, but consumer surveys show not everyone has a good purchase experience. This Farmers auto insurance review provides more insight into what the insurer offers.

Farmers offers affordable premiums for most drivers, although it's more expensive than average for new drivers or those with an accident on their record.

Cost comparison

Many drivers will find Farmers premiums come in below the national average. However, both new drivers and those with an accident history may pay more with this company than with some competitors.

Farmers offers a long list of discounts that provide opportunities to save. This includes reduced premiums for vehicle safety features such as daytime running lights, as well as savings for bundling coverage or making payment in full.

• Affinity discounts for military members and people who work for certain employers or who are part of qualifying groups
• Alternative fuel (CA only)
• Anti-theft
• Anti-lock brakes
• Automatic payment
• Bundled coverage
• Daytime running lights
• Distant students
• ePolicy
• Farmers-approved homing devices to track stolen vehicles
• Full payment
• Good payer
• Good students
• Homeowner
• Mature or senior driver with safe driver training
• On-your-own
• Paperless statements
• Passive restraint
• Pay-in-full
• Safe drivers with no license points
• Shared family car
• Vehicle safety equipment
• VIN etching
• Youthful driver

Policy types

Farmers offers a variety of policy types drivers could need, including coverage for RVs as well as for collectible vehicles.

• ATV and off-road vehicles
• Boat and watercraft
• Car
• Collectible auto
• Fifth wheel
• Motorcycle
• RV
• RV and motor home
• Travel trailer

Coverage types

In addition to standard auto insurance coverage most companies offer, Farmers also has some options that are not as widely available such as ride-hailing and spare parts coverage. Here are some types of coverage available through Farmers.

• Accident forgiveness
• Collision
• Comprehensive
• Customized equipment
• Glass deductible buyback
• Guaranteed Value
• Liability
• Loss of use
• Medical payments
• New car replacement
• Original equipment manufacturer
• Personal injury protection
• Personal umbrella
• Rental car reimbursement
• Ride-hailing
• Spare parts coverage
• Towing and roadside service
• Uninsured/underinsured

Farmers' ratings on the J.D. Power Customer Satisfaction survey were generally below average. Farmers also ranked poorly on J.D. Power's 2023 insurance shopping study, suggesting some borrowers had a substandard purchasing experience. However, the National Association of Insurance Commissioners received many fewer complaints about Farmers compared to the average number of complaints made about insurers.

Farmers sells many other types of insurance beyond auto coverage. Buying multiple policies from Farmers provides the chance to earn bundled coverage discounts. Here are some other policy types on offer:

• Business insurance
• Condo
• Earthquake
• Flood
• General business liability
• Homeowners
• Landlord
• Mobile and manufactured homes
• Personal umbrella insurance
• Pet insurance
• Renters
• Term life
• Universal life
• Vacant homes
• Vacation homes
• Whole life
• Workers' compensation

When looking for an auto insurer who offers better customer service: Erie Auto Insurance ranked highly in most regions on J.D. Power's Customer Satisfaction Survey. But keep in mind that Erie isn't available in all states.

When looking for an auto insurer available in more states: Progressive provides coverage in more places than Farmers. But average premiums from Progressive are higher than Farmers for consumers looking for liability-only coverage.

Farmers is a good option for people who:

• Are looking for affordable coverage
• Appreciate a large agent network
• Aren't as concerned about customer service or their purchasing experience

With a slew of discounts and coverage options available, many drivers could find that Farmers has what they're looking for.

At The Motley Fool Ascent, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.