Farmers Auto Insurance Logo

Farmers Auto Insurance

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97 User Reviews

6.7

Overall Score

Farmers Insurance is a well-known auto insurance provider. It offers many helpful resources online and through its mobile app, which makes learning about, buying, and using a policy convenient and easy. 

You’ll also benefit from personal service from Farmers’ insurance agents. You can participate in Farmers Friendly Review® service to have your car insurance policies reviewed to see if there are any gaps in your current coverage. 

While Farmers’ discounts vary by state, it offers many similar discounts to some of its competitors. 

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The Good

  • Helpful Online Resources
  • Farmers® Car Shopping Service
  • Good Discounts
  • Farmers Friendly Review® 
  • Good Coverage
  • Useful App

Helpful Online Resources

Farmers offers many helpful resources online. You can learn more about car insurance, the coverages available, and how to decide how much and what kind to buy.

In addition to educational content, you can benefit from getting an online quote, managing your policy, and making claims from Farmers’ website. You can also request roadside assistance and rental car delivery. You can quickly find a good repair shop in your area by using Farmers® Guaranteed Repair Program network.

With these resources readily accessible online, you’ll be able to quickly and conveniently get the service you need.

Good Discounts

You can benefit from Farmers’ discounts on car insurance. Discounts vary by state, so be sure to check with Farmers directly to learn more about discounts available to you.

For example, in California, Farmers offers the following:

  • Multi-line discount
  • Business or professional group
  • Multi-car
  • Driver training
  • Good student
  • Alternative fuel
  • Homeowner
  • Inexperienced driver training
  • Good driver
  • Anti-lock brakes
  • Anti-theft
  • Electronic stability control
  • Passive restraints (seatbelt and airbags)
  • Senior Defensive Driving (age 55+ and completion of DMV-approved driver safety course)

Farmers Friendly Review® 

Even before you become a Farmers client, you can benefit from an agent’s assistance. With the Farmers Friendly Review® service, an agent will review your insurance policies and assess your needs. This review can give you confidence in the insurance you already have or help you find coverage gaps that you need to fill.

Good Coverage

Farmers auto policies can include liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, personal injury protection (PIP), towing and roadside service, and rental car reimbursement. These are common coverage offerings across car insurers. 

Farmers also offers the following coverage that you can add to your policy:

  • Loss of use (flat sum for transportation while car is repaired)
  • Customized equipment (coverage for aftermarket installations)
  • Glass deductible buyback
  • Full windshield and glass
  • Original equipment manufacturer (OEM)
  • New car replacement coverage (cars within the first two model years)
  • Personal umbrella (liability coverage beyond what’s typically included in an auto policy)

You can also benefit from accident forgiveness coverage. For every three years you drive without an at-fault accident, you can be forgiven one at-fault accident.

Rideshare drivers can benefit from Farmers’ rideshare coverage. This option covers the gap between when your personal car insurance stops and your rideshare company’s begins.

If you have a classic or collector’s car, Farmers offers a few coverage options that will benefit you:

  • Guaranteed Value™ (pays a set value if car is a total loss)
  • Spare Parts (up to $750)

With such a selection of coverage, you can create a policy that meets your coverage and financial needs.

Farmers® Car Shopping Service

If you’re car is totaled, you can benefit from deals and benefits by using Farmers® Car Shopping Service offered by TRUECar. You’ll have access to a trusted network of dealers and savings on the car’s listed price. You’ll also receive other benefits and perks. However, details on these extras online is limited.

Useful App

You can use the Farmers’ app to pay your auto insurance bill, view documents, file claims, view quotes, opt into electronic delivery, get roadside assistance, and work with an agent. You can also turn on push notifications for account information. This is a full-service app, which makes your auto policy much easier to manage and access.

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The Bad

  • No Gap Insurance
  • Must Provide Personal Information to See Quote
  • Discounts Vary by State

No Gap Insurance

If you’re leasing a car or took a loan on your new car, you’ll need to get gap insurance coverage elsewhere. Gap insurance covers the remainder of your loan or lease if your car is totaled before you finished making payments. Gap insurance is valuable because you don’t have to worry about paying a loan for a car you can’t use anymore and a new car.

While it would be nice for Farmers to offer this coverage, you’re likely to get the coverage through your dealer.

Must Provide Personal Information to See Quote

To view a quote, you’ll need to provide personal information like your car’s VIN, your driver’s license, and your address. While this is much more personal information than required in other industries, it’s necessary information for getting a quote and is standard practice in the industry.

Discounts Vary by State

Farmers’ discounts vary by state. While it would be nice to have more consistency, you can learn more about discounts available to you when you work with Farmers directly.

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The Bottom Line

Farmers is a great choice when it comes to choosing a car insurance company. It offers good coverage options and nice discounts. It shows its dedication to its clients by offering many convenient ways to access and manage its products and services online and through a mobile app. If you prefer, you can also work with an insurance agent directly.

Farmers Free Review® service is also beneficial because it can tell you whether or not your current policies truly meet your needs. This review by an insurance expert is helpful information and insight to have as you decide what kind and how much insurance to buy.

We recommend working directly with Farmers to learn more about discount and coverage availability in your area.

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Star Rating

4.2

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97 Reviews

Review Breakdown

5 grade

43%

4 grade

37%

3 grade

13%

2 grade

4%

1 grade

2%

Sentiment Criteria

Value

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Quality

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Service

star star star star star_half

Trustworthiness

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star star star star star

Van M. Orem, UT

They were always great service whenever I had a problem and I could rely on them. I will say they were a little more expensive than other places but I had great coverage with them.

3 months ago

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Kory Staheli

I am very pleased with Farmers Insurance Company. I have been with Farmers for many years now and have always received excellent service from them. My agent is extremely knowledgeable and has always been very responsive. He has worked with us to get the best rates and supported us when we needed to make a claim. I am very satisfied with my Farmers.

3 years ago

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Eddie Rios Ogden, UT

Farmers Auto Insurance is a blue chip insurance organization. Top notch service with sound policies at great rates. They offer the most comprehensive coverage options. Any variables can be addressed and any liability managed. I have always felt protected by their coverage. Highly recommended!

1 year ago

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Kari Staheli

I have had Farmers insurance for the last 12 years. They aren't the cheapest insurance out there but I stay with them because of their good customer service. I have had several accidents ( most of them were not my fault)during the time I have been with them and my insurance agent helped me alot especially with one of our claims when my daughter was injured. They helped me fight the other parties insurance company and get our claim reimbursed.

3 years ago

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Lindsey American Fork, UT

My current car insurance is with Farmers. I think it's a great service, and I haven't really looked too much at other businesses to see if they offer better prices and insurance. Every time I've called in, I've had a pleasant experience with the employees.

3 years ago

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Breanna Jones Herriman, UT

My parked car was hit and I had to work with Farmers Insurance. My claim was filed quickly and I had a check for the repairs within a couple of weeks. I didn't even have to take my car to a repair shop. An appraiser came out to my home and printed me a check all within an hour. I was happy to work with them.

3 years ago

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Hallieford West Valley City, UT

We have been clients with Farmers Insurance for many years. They paid on a personal loss and took care of a huge need. They were very attentive and took care of the claim with great efficiency and speed. They earned our trust.

1 year ago

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BeauCarl South Jordan, UT

Was recently in a fender bender I called my agent he was readily available to talk with me about the accident and walked me through the entire process. I even helped with the claim by taking photos and videos of my damaged automobile, overall great service

1 year ago

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Jen Paris Concord, CA

We had Farmers Auto Insurance for several years and were very happy with our coverage and service. The prices seemed higher than other carriers, but we were always okay paying it because we knew that they would handle anything we needed help with.

1 year ago

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Sonya L Wells Roseville, CA

I have had a good experience with Farmers. My insurance agent, Sheldon M, was very friendly, helpful, and professional. Communications were expedient in all aspects except for one claims adjuster after my car was stolen. I received a new adjuster and things went great after that. The insurance was too much for our family to afford after I started driving ride share, but I will return to them when I am done with that job.

1 year ago

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betsy fowler Lehi, UT

Farmers has always treated me fairly, although I honestly think they overcharge. I'm glad I had it last year, as I was hit by some debris on the freeway and Farmers covered the entire cost of repair (over $9K). I think I could shop aroud and get a better rate, and may do so this next year. I do like the online service, and the monthly auto-pay option and have saved a few bucks per term that way.

1 year ago

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Doug Fox Eagle Mountain, UT

We love our Farmer's Insurance rep. He is always ready with helpful advice and is extremely prompt in responding. The few times where we have actually needed to file a claim, everything was handled quickly and professionally. I am definitely a fan of our local Farmer's agent: Bum-da-bum-bum bum-bum bum!

2 years ago

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Kimberly Maddock Pleasant Grove, UT

Farmers takes care of their customers. I was recently in a car accident and they were so easy to deal with. Their customer support was fantastic and they got my car fixed and back on the road within a week. Can say enough good things...

2 years ago

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Jodie Larson Pleasant Grove, UT

I have been with Farmers for 10+ years and have always gotten fast, friendly service. The roadside assistance has saved me several times. I experienced a minor accident and the claim was handled quickly and professionally. My local agents take the time to get to know me. I have been very happy with Farmer's Auto Insurance!

2 years ago

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Nora Smith Atlantic Beach, FL

Excellent response time on claims filed; courteous professional customer service representatives and responsible premiums!

11 months ago

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Martha Plano, TX

The premiums for my cars and houses have been the best of any co. Just had 2 claims and I was totally overwhelmed at the speed and professionalism of handling

2 years ago

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David and PatriciaHill

We were hit by a driver running a red light and our beloved Subaru was totaled. Farmers' did a wonderful job handling our claim--car and medical aspects.

3 years ago

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BJ Tenney Woods Cross, UT

We were in a car accident and Farmers handled a majority of the back and forth with the offending party. They were available when we needed them as well. My wife made the initial call to them and had a hard time understanding exactly the first steps, but after that, things went really smooth.

1 year ago

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Ann Wilkins Riverton, UT

We chose Farmer's Insurance for our home and auto insurance after getting quotes and comparing rates from several different companies. We've not had any claims since switching to them, but have made several changes in our coverage and have had easy and pleasant interactions with our agent.

1 year ago

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Shannon B Salt Lake City, UT

I was with Farmers Auto Insurance for 10 years. I was in a few accidents in that time and they were really easy to work with as far as claims and coverage and I really liked my agent. However, my rate was always very high, even with an excellent credit score, and a good driving history (none of the accidents were my fault). Unfortunately they couldn't get my monthly payment down much and I had to switch to State Farm where I am paying much less for similar coverage.

1 year ago

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Rory Henrie Pleasant Grove, UT

I had Farmers Ins for 15 years. I got it when I turned 16. I eventually had my home owners and several vehicles insured through them. They did take care of me on an ATV claim that I had, which was actually insured through a separate company that Farmers went through. I did some price shopping and found I was getting charge way to much on my vehicle and homeowners, so I switched.

1 year ago

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Ashley Pleasant Grove, UT

We purchases Farmers Auto Insurance for our son's new car that he took to college. He was in a horrible accident that totalled his car. Farmers paid to replace it with a new one because he had only owned it for one year. It was an easy process dealing with them. They even forgave the accident and our rate did not go up.

1 year ago

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wayne sanders Valley Center, CA

We used Farmers for quite some time. unfortunately we switched carriers because they increased the rates on our policy more than we felt was fair. having never had to file a major claim I felt that it wasn't really fair considering we had been very low maintenance customers. while we had them, though, our service was good.

2 years ago

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JNH American Fork, UT

Great coverage and came through when I needed help with a claim. I have used their roadside assistance several times. The agent was especially helpful, explained my coverage, and met my every need.

2 years ago

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mgillings

My husband hit a deer in my car over the weekend. After making sure we were ok, they were really helpful in selecting a repair shop. I had a claim number, an estimate appointment, and a rental car all lined up in minutes! I appreciated the quick help from my agent!

2 years ago

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Jo Lars Pleasant Grove, UT

My local agents are friendly, helpful and easy to work with. Adjusters have been thorough and fair on the couple of claims that I have had. Roadside assistance has saved me multiple times. Great company, great service!

2 years ago

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Hannah Cummins Gilbert, AZ

Farmers is a very reliable insurance company. Our agent is always willing to offer customized help and I feel like I am listened to when dealing with them. Definitely​ worth the price even if they are occasionally more expensive than the competition.

2 years ago

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Anna Hu Provo, UT

Farmers has been great and reliable with every car issue I've ever gone through. Been rear ended a couple times and Farmers was very quick and responsive to get the situation taken care of.

2 years ago

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Anne Marie Milne Layton, UT

Had Farmers Insurance for years. I was so happy with them and I actually remember the name of my agent her name was Kendra. She would call me each month remind me of my payment so that my insurance wouldn't lapse she was so awesome!! We ended up moving so we found an Insurance agency that was right around the corner from our home.

3 years ago

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Amy Boren American Fork, UT

They have good discount for multiple policies. Your rates start out good but they go up fast even with no accidents. They are not as competitive as other companies. Customer service was ok.

1 year ago

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Jim K

Excellent and helpful local agent, easy and stress free claims service. I really appreciate the ease of filing a claim and how attentive they were.

3 years ago

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B-dog San Antonio, TX

I have been with them for several years. I had one accident, not my fault, and my agent did a fantastic job with helping me with repairs and an issue with the bodyshop.

11 months ago

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Sudakshina Bhatta Denver, CO

I recommend this auto insurance to everyone because I've had this insurance since I've had my first car. I really like the customer service this insurance provides.

1 year ago

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MattB Salt Lake City, UT

We had Farmer's Insurance prior to switching to our current carrier. We weren't impressed with our agent or the overall service. Felt forgotten most of the time and on a couple of occasions when we needed to reach him or get info. it took awhile.

1 year ago

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Rathan Kumar Trabuco Canyon, CA

I absolutely love Farmers. They have insured the great deal of my vehicles and house for the greater part of my life. My local agent is absolutely a great experience and deserves the best.

1 year ago

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Leslie Comstock Sandy, UT

We have been with Farmers for 30 years, with home, autos, & business, and have been impressed with our agent & how they have handled claims, when needed.

1 year ago

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Justin McMurtrey South Jordan, UT

We have used Farmers Auto insurance in the past. They are more expensive, but their agents are great and go the extra mile. They were also good to pay out any claims and go to battle on your behalf.

1 year ago

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PessoaJ Salt Lake City, UT

We recently switched to Farmer’s and have a great experience. We had a flooding situation in our basement and it was processed and taken care of so quickly. Impressed.

1 year ago

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Tom Gourley Pleasant Grove, UT

When I talked to the people at Farmers for a quote, they were friendly and seemed to know what they were doing but their pricing was higher than I found from others for comparable coverage. I do, however, enjoy their commercials!

1 year ago

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Brennan Orem, UT

I felt the policy I had was good but I am giving them 3 stars for the price. I always felt like I was overpaying for the same coverage I could have gotten elsewhere. I like the company but it all comes down to what they provide for the cost.

2 years ago

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Ryan H American Fork, UT

Farmers is one of the best companies out there. Great agents, great service, great claims. They also offer many other insurance products which allow for bundling.

2 years ago

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Lindsey B Orem, UT

We had Farmers for auto insurance for a few years and I felt like they were overpriced. They did have good agents and customer service but we were able to find the same coverage for much cheaper with another insurer. My 3 stars is due to the price.

2 years ago

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janalee sanders Valley Center, CA

we currently have farmers auto insurance and have been very happy with our service. we have insurance on 5 cars and Farmers was able to provide us the best rates of all the companies we checked

2 years ago

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Jeff B Orem, UT

I had Farmers Insurance for a few years. The products that they offer a great but the price is much higher than other insurance providers. I didn't have a bad experience with them, they were just overpriced.

2 years ago

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Laurie Litwiler Lompoc, CA

Overall I have had no problems with Farmers. Had a claim a few months ago and experienced some trouble connecting with claims, but it was eventually settled and I am happy with their service.

2 years ago

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Rischelle Mikkelson American Fork, UT

Even though they are a larger company, you get the personal touch with Farmers. When my daughter got in an accident, it was super easy to work with them on the claim. Everyone was helpful and the claim payment was very fair.

2 years ago

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Steve schramm Salem, UT

Provided the coverage I needed. Did not have any billing errors. Rates seemed competitive. Application process was comparable to other companies. Seemed to have a respectable name in the industry.

2 years ago

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Kristiane R Durfey Pleasant Grove, UT

We have been with Farmers insurance for over 25 years. They have always been honest with us and we have never had a problem with changes or our rates. They offer monthly automatic billing that is very helpful.

2 years ago

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Ron Durfey Pleasant Grove, UT

I have had the opportunity to use Farmers Insurance for many years and really enjoy the service I receive from my agent. Prices are competitive but I stay because of my agent.

2 years ago

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Donna Brombacher

I have been with State Farm for over 30 years. Extremely trustworthy and reliable.

11 months ago

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