Farmers Auto Insurance Logo

Farmers Auto Insurance

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6.6

Overall Score

LAST UPDATED: June 14th, 2023

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

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4.2

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101 Reviews

Review Breakdown

5 grade

44%

4 grade

36%

3 grade

14%

2 grade

5%

1 grade

2%

Sentiment Criteria

Value

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Quality

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Service

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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.

6 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.

6 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.

6 years 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.

4 years 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.

4 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.

4 years 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.

4 years 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.

4 years 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.

5 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!

5 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.

5 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.

5 years 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.

4 years 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.

4 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

5 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.

5 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.

5 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.

5 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.

5 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.

5 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.

5 years ago Edited September 14, 2021

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Patty Miles

would like them to be cheaper so I could save more money.. multi-car discount doesn't matter any more without your home insurance too

6 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.

3 years ago

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Kristin G Pleasant Grove, UT

At Farmers Auto Insurance we had an issue with a payout after a wreck we got into. They were difficult to work with so we switch insurances after that experience.

5 years ago

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Sunny

Reliable company, fairly reasonable cost when bundled with homeowners insurance, very good coverage for the money.

3 years ago

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Caprisse Taliulu Kailua, HI

We have had several policies with Farmers and they have always been great to work with. The staff is always polite and helpful.

5 years ago

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David L Coulthard Oxnard, CA

Very good services and rates, never had a problem with claims, or getting in contact with agency

6 years ago

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Dave Brinton

I have used Farmers for auto insurance for the past 7 years. The customer service people are very kind

5 years ago Edited September 14, 2021

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Mike F.

Great claims service. Agent responsiveness depends on the agent.

4 years ago

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Jim

Great customer service, responsive. Rates are a little higher.

4 years ago

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Hunter Scott

Have provided good service. Prices may be a little high, so not a 5 star.

6 years ago

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Jami Lucas Eagle Mountain, UT

We recently switched because our rates were much better for the same insurance. Great coverage.

4 years ago

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Juan Beaver, PA

Good prices. Friendly people. Farmers auto insurance has some good customer service as well.

4 years ago

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Don Boren American Fork, UT

The premiums kept getting higher and higher and they gave us less and less discounts .

4 years ago

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Josiah Macdonald Pleasant Grove, UT

Farmers Auto Insurance was very reliable and there when i ran my car into a pole.

5 years ago

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Kenneth Wendel

Consistent rate increases annually, decent agent

6 years ago