Is Farmers Insurance Good?
Farmers typically has expensive rates and mixed customer satisfaction scores. ValuePenguin gives Farmers 2.9 out of 5 stars. You can probably find a better auto or home insurance policy somewhere else.
Find Cheap Car Insurance Quotes in Your Area
Get Farmers if:
-
You want lots of discounts
-
You want a personalized car policy
-
You need flood or earthquake coverage
Skip Farmers if:
-
You want cheap rates
-
You want consistently good service
ValuePenguin rating: Farmers insurance
Rating breakdown | |
|---|---|
| Price | 1.5/5 |
| Coverage | 3.8/5 |
| Customer service | 3/5 |
| Unique value | 5/5 |
Get Farmers if:
-
You want lots of discounts
-
You want a personalized car policy
-
You need flood or earthquake coverage
Skip Farmers if:
-
You want cheap rates
-
You want consistently good service
ValuePenguin rating: Farmers insurance
Rating breakdown | |
|---|---|
| Price | 1.5/5 |
| Coverage | 3.8/5 |
| Customer service | 3/5 |
| Unique value | 5/5 |
ValuePenguin’s experts evaluate insurance companies on cost, coverage options, discounts, customer service and standout features. Our team includes licensed insurance agents, and together, we have more than 50 years of combined insurance experience. Every review is independent and objective.
Read the full breakdown of how ValuePenguin reviews insurance companies.
Alternatives to Farmers Insurance
Farmers Insurance pros and cons
Pros
- Lots of discounts
- Good car insurance coverage
- Offers flood and earthquake policies
Cons
- Expensive rates
- Mixed customer service reviews
Farmers car insurance review
ValuePenguin gives Farmers a rating of 2.8 out of 5 stars for its car insurance.
Farmers has expensive average rates and mixed customer satisfaction reviews. While the company does offer helpful add-on coverages to personalize your policy, as well as good discounts, you can probably find a better rate and better service with another company.
ValuePenguin rating: Farmers car insurance
Overall rating:
2.8/5
Rating breakdown | |
|---|---|
| Price | 0/5 |
| Coverage | 5/5 |
| Customer service | 2.5/5 |
| Unique value | 5/5 |
ValuePenguin gives Farmers a rating of 2.8 out of 5 stars for its car insurance.
Farmers has expensive average rates and mixed customer satisfaction reviews. While the company does offer helpful add-on coverages to personalize your policy, as well as good discounts, you can probably find a better rate and better service with another company.
ValuePenguin rating: Farmers car insurance
Overall rating:
2.8/5
Rating breakdown | |
|---|---|
| Price | 0/5 |
| Coverage | 5/5 |
| Customer service | 2.5/5 |
| Unique value | 5/5 |
Farmers car insurance rates
Farmers car insurance is typically expensive, at an average of $293 per month for full coverage.
Farmers full coverage car insurance rates vs. competitors
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- Farmers is one of the most expensive major insurance companies in the country, based on average rates.
- On average, full coverage costs $208 per month. Farmers' average rate of $293 is 41% higher than average.
- For comparison, Travelers average rate for full coverage is $173 per month. That's 17% cheaper than the national average.
Farmers full coverage car insurance rates vs. competitors
Table without scroll
Company |
Value Penguin score
| Monthly rate | |
|---|---|---|---|
| Travelers | $173 | ||
| Geico | $187 | ||
| State Farm | $192 | ||
| Progressive | $207 | ||
| Allstate | $282 | ||
| Farmers | $293 | ||
| USAA* | $125 | ||
*USAA is only available to military members, veterans and certain family members.
Table with scroll
Company |
Value Penguin score
| Monthly rate | |
|---|---|---|---|
| Travelers | $173 | ||
| Geico | $187 | ||
| State Farm | $192 | ||
| Progressive | $207 | ||
| Allstate | $282 | ||
| Farmers | $293 | ||
| USAA* | $125 | ||
*USAA is only available to military members, veterans and certain family members.
You may be able to save money by switching to a minimum coverage policy, but that's not the best option for most people. Farmer's minimum coverage rates are still higher than its competitors. Plus, minimum coverage doesn't give you much protection. If you cause an accident, there's a good chance you'll have to pay for some of the injuries or damages out of your own pocket. If you can afford to, get quotes for higher liability limits.
Farmers minimum coverage car insurance rates vs. competitors
Company |
Value Penguin score
| Monthly rate | ||
|---|---|---|---|---|
| Geico | $65 | |||
| Travelers | $68 | |||
| State Farm | $73 | |||
| Progressive | $75 | |||
| Farmers | $107 | |||
| Allstate | $113 | |||
| USAA* | 4.5/5 | $41 | ||
*USAA is only available to military members, veterans and certain family members.
Farmers is also an expensive option for teen drivers and if you have a less-than-perfect driving record.
Rates after a ticket
$384/mo
$258/mo
Rates after a DUI
$494/mo
$391/mo
Rates after an accident
$452/mo
$310/mo
Rates for teens
$935/mo
$599/mo
Farmers auto insurance discounts
You might be able to get a cheaper rate with Farmers if you qualify for one or more car insurance discounts.
While Farmers tends to have expensive car insurance rates, it also has a long list of discounts that can lower your price.
Featured discount: Signal
Signal is Farmers' personalized safe driving program, sometimes called a telematics program. To participate in Signal, you download an app onto your smartphone that tracks your driving habits. Signal monitors things such as hard braking, phone use while driving, how often you drive and what times of day you drive.
If you're a safe driver, your rate could go down at your policy renewal. But if the data suggests that you're a risky driver, you'll probably see a rate increase.
Other ways you could save with Farmers include:
- Bundling: Buying both your home and car insurance from Farmers can help you save 10% or more.
- Loyalty: If you stay with Farmers at your renewal and you don't have more than one at-fault accident on your record, you could get a discount.
- Safe driver: Not having any accidents or tickets in the last three years can help you save.
- Five-year accident free: You could save even more if you haven't caused any accidents in five or more years.
- Anti-theft: If your car has anti-theft features like vehicle tracking, Farmers could give you a discount.
- ePolicy: This is Farmers' version of a paperless discount, which saves you money when you sign up to get your policy statements and bills electronically.
- Good payer: You could get a cheaper rate if you don't have any late fees on your Farmers account in the last year.
- Paid in full: Paying your full rate instead of paying monthly helps you save.
- Auto pay: Farmers gives a discount when you sign up for automatic payments. Plus, this lowers the risk that you'll be charged late fees.
- Youthful driver: If you're under 25 and you live with a parent or grandparent who has a policy with Farmers, you might get a cheaper rate.
- On your own: If you're under age 29 and have moved out on your own but were previously listed on a Farmers policy, you'll get a discount.
- Distant student: This is for students who are 23 or younger, go to school more than 100 miles from home and don't take a car with them.
- Shared family car: If you have a policy with more drivers than cars, and at least one driver is under age 20, you may be able to get this discount.
- Homeowner: You can get a discount on your car insurance for owning a home, even if you don't insure it with Farmers.
- Mature/defensive driver: Drivers over the age of 55 can save if they complete an approved safe-driving program.
- Farmers GroupSelect: You might get a discount on car insurance if you work for a company that partners with Farmers.
Farmers auto insurance coverage options
Farmers offers several car insurance add-ons to help you customize your policy to your needs.
The most unique option is Farmers "rental alternative" coverage. You can pick this option if you don't need a rental car while your vehicle is in the shop after an accident. Instead of your insurance paying for a rental car, you'll get a daily stipend to spend on public transportation, taxis or rideshares.
Other add-ons from Farmers include:
- Towing and roadside assistance: If you need a tow, jump or other type of roadside assistance, your Farmers policy could pay for it, up to your limit.
- Rental car reimbursement: This coverage pays for a rental car when your vehicle is in the shop after a covered accident.
- Original equipment manufacturer (OEM): This option pays for original parts for your car versus using aftermarket parts. You can only get this coverage if your car is up to 10 years old.
- Accident forgiveness: With this add-on, Farmers will forgive one at-fault accident within three years. This helps keep your rates from going up after you file a claim.
- Rideshare and food delivery: If you drive for Uber, Lyft or another rideshare company, this add-on gives you car insurance coverage while your app is on but before you've picked up a passenger. At that point, the rideshare company should cover you.
- New car replacement/Vehicle replacement plus: This option pays to replace your car with a similar new car. The specific vary by state, but your car usually has to fit certain requirements, such as being no more than two years old.
- Customized equipment: If you have custom equipment in your car, such as speakers or custom wheels, this add-on lets you add extra coverage specifically for those items.
- Glass deductible buyback: This option lets you get a lower deductible when just the glass on your car is damaged. For example, you might normally have a $250 comprehensive deductible. But with this option, your deductible might be $100 or even $0 when the only damage is to your car's windshield or windows.
- Gap coverage: This coverage pays the difference between what you still owe on your car and what your car is worth. That way, if your car is a total loss after an accident, you aren't stuck paying down the rest of your loan if the insurance doesn't pay you enough.
You can also get all the standard car insurance coverage options:
Farmers car insurance ratings and reviews
Farmers has mixed customer satisfaction reviews for its car insurance.
In most states, very few people complain about Farmers customer service, according to the National Association of Insurance Commissioners (NAIC). This can mean that people tend to be happy with the service they get from Farmers.
However, J.D. Power's annual surveys tell a different story. In most regions, Farmers scores below average for overall customer satisfaction. The company also ranks below average for claims satisfaction.
Because of the mixed reviews, it might be a good idea to talk to a few people who have Farmers insurance before you decide to buy a policy.
Farmers home insurance review
ValuePenguin's experts give Farmers home insurance a 3-out-of-5-star rating.
In some states, Farmers is a cheap option for home insurance. But on average, it tends to be expensive. And just like with car insurance, its customer service reviews are mixed. It might be worth getting a quote, but you should probably shop around and compare your options.
ValuePenguin rating: Farmers home insurance
Overall rating:
3/5
Rating breakdown | |
|---|---|
| Price | 2.5/5 |
| Coverage | 2.5/5 |
| Customer service | 3.3/5 |
| Unique value | 5/5 |
ValuePenguin's experts give Farmers home insurance a 3-out-of-5-star rating.
In some states, Farmers is a cheap option for home insurance. But on average, it tends to be expensive. And just like with car insurance, its customer service reviews are mixed. It might be worth getting a quote, but you should probably shop around and compare your options.
ValuePenguin rating: Farmers home insurance
Overall rating:
3/5
Rating breakdown | |
|---|---|
| Price | 2.5/5 |
| Coverage | 2.5/5 |
| Customer service | 3.3/5 |
| Unique value | 5/5 |
Farmers home insurance rates
Farmers isn't the cheapest option for home insurance, with an average annual rate of $2,502 per year for a policy with $350,000 in dwelling coverage.
Farmers home insurance rates vs. competitors
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- Farmers' average rate for a policy with $350,000 in dwelling coverage is $2,502 per year. That's 4% more than the national average of $2,395 per year.
- State Farm and Allstate tend to be cheaper options than Farmers, but other major companies, including Travelers, American Family and Nationwide, are more expensive.
Farmers home insurance rates vs. competitors
Company |
Value Penguin score
| Annual rate | ||||
|---|---|---|---|---|---|---|
| State Farm | $1,617 | |||||
| Allstate | $2,144 | |||||
| Farmers | $2,502 | |||||
| Travelers | $2,929 | Geico | $3,066 | |||
| Nationwide | $3,102 | |||||
| USAA* | 4.5/5 | $2,200 | ||||
*USAA is only available to military members, veterans and certain family members.
Farmers is sometimes cheap for homes that need around $200,000 in dwelling coverage but is otherwise an expensive choice.
Rates for $200K dwelling coverage
$1,505/yr
$1,585/yr
Rates for $500K dwelling coverage
$3,672/yr
$3,222/yr
Rates for $350K dwelling coverage
$2,502/yr
$2,395/yr
Rates for $1 million dwelling coverage
$7,169/yr
$5,812/yr
Rates for $200K dwelling coverage
$1,505/yr
$1,585/yr
Rates for $350K dwelling coverage
$2,502/yr
$2,395/yr
Rates for $500K dwelling coverage
$3,672/yr
$3,222/yr
Rates for $1 million dwelling coverage
$7,169/yr
$5,812/yr
Farmers home insurance discounts
Farmers has lots of home insurance discounts that can help you save money on your rate.
Many of the discounts are also offered on car insurance, such as bundling and ePolicy.
- Bundling: Just like with Farmers car insurance, you can save on your home insurance if you buy your auto and home policy both from Farmers.
- Claim free: If you haven't filed a home insurance claim for three years in a row, you can save.
- Rent to own: If you're currently renting and have a renters policy with Farmers, you might get a discount when you buy a home, as long as you get a Farmers policy.
- New home: If your home is less than 14 years old, you might save on your rate.
- Protective devices: Having fire alarms, a security system or an internal sprinkler system can help you get a lower home insurance rate.
- Home safety: If your house has leak detection and automatic water shutoffs, an automatic gas shutoff, or features that make it harder for a natural disaster to cause damage, you might get a cheaper rate.
- Connected home: Home with smart home systems might qualify for a discount, as long as you have remote control over certain features.
- Approved roofing materials: If your roof materials are approved by UL Solutions, you might save money on your home insurance with Farmers. Usually, this means roofs that are resistant to hail, wind, fire or other types of damage.
- Green certifications: If your home has certifications from Energy Star, LEED or the EPA, you might get a lower home insurance discount. Preferred payment: If you pay in full, twice a year or automatically each month, you might save. However, this probably isn't an option if your home insurance is paid from your mortgage escrow account.
- Good payer: If you pay your bill on time, Farmers might reward you with a discount.
- ePolicy: Going paperless can get you a lower rate.
- Farmers GroupSelect: If your company has a partnership with Farmers, you might get a discount.
- Affinity: You might save if you work in a certain job, have a qualifying degree or are a member of the military.
Farmers home insurance coverage options
Farmers doesn't offer as many home insurance add-ons as many other major insurance companies.
One of the best options is Farmers' matching of undamaged property coverage. This gives you extra coverage to match the undamaged parts of your house after a claim. For example, if parts of your siding are damaged, you'll have extra coverage to help ensure the replacement siding matches your original siding as closely as possible.
Other home insurance add-ons from Farmers include:
- Water backup and sump pump overflow: This coverage pays for damage caused by sewer and drain line backups. If you have a basement or crawlspace, this coverage is especially useful.
- Valuable items: If you have expensive jewelry, artwork or other items, you may want to consider increasing the coverage on your policy or listing the items specifically so they're appropriately covered.
- Identify fraud: If your identity is stolen, this add-on helps you pay the costs associated with recovering it, such as lawyer fees and credit monitoring costs.
- Residence glass: This option removes your home insurance deductible if just the glass on your house is damaged during an accident.
And like other home insurance companies, Farmers offers standard home insurance coverages:
Farmers home insurance ratings and reviews
Farmers has mixed reviews for its home insurance customer service.
According to the National Association of Insurance Commissioners (NAIC), people generally don't complain much about Farmers' home insurance. This could mean the company typically has good service.
However, J.D. Power ranked Farmers below average for both overall satisfaction and claims satisfaction. That means customers may report having issues getting their houses repaired, or generally issues like problems with billing and getting questions answered.
Other Farmers insurance policies
Along with homeowners and auto insurance, Farmers sells several other types of insurance, including:
- Motorcycle
- Boat
- Classic car
- Condo
- Renters
- Flood
- Landlord
- Business
- Life
Farmers also owns Toggle, a fully digital company that offers renters, car and home insurance.
Farmers took over MetLife's home and auto business in April 2021. Metlife customers should have received updates on the acquisition and new policy documents in the mail.
Farmers Insurance availability
Farmers currently has agents in 43 states.
List of states where Farmers Insurance has agents
However, you may be able to get a policy from Farmers in more states. You can call 1-888-327-6335 to see if you can get a quote even if there are no Farmers agencies in your state.
List of states where Farmers Insurance has agents
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Wisconsin
- Wyoming
Farmers vs. other companies
Farmers vs. State Farm
Farmers | State Farm | |
|---|---|---|
| Auto rates | Expensive | Cheap |
| Home rates | Expensive | Cheap |
| Auto service | Mixed | Good |
| Home service | Mixed | Average |
Farmers vs. American Family
Farmers | American Family | |
|---|---|---|
| Auto rates | Expensive | Cheap |
| Home rates | Expensive | Expensive |
| Auto service | Mixed | Good |
| Home service | Mixed | Average |
Farmers vs. Geico
Farmers | Geico | |
|---|---|---|
| Auto rates | Expensive | Cheap |
| Auto service | Mixed | Good |
Geico sells home insurance through partnerships with other insurance companies. Rates and service depend on the company you're paired with.
Frequently asked questions
Is Farmers a good insurance company?
Farmers probably isn't the best insurance company for most people. However, Farmers isn't a cheap company. On average, full coverage car insurance from Farmers costs 41% more than the national average cost. Additionally, Farmers customer service reviews tend to be mixed.
Is Farmers good about paying claims?
Farmers isn't the best insurance company for claims satisfaction. According to J.D. Power, Farmers scores below average for both auto and home insurance claims satisfaction, which means customer tend to report issues after they file claims.
Who is the better insurance company, State Farm or Farmers?
State Farm is a better insurance company than Farmers for most people. State Farm is cheaper on average than Farmers and it tends to have better customer service.
Methodology
ValuePenguin rates insurance companies after reviewing average rates, coverage, discounts, service and unique features. Customer satisfaction data comes from the National Association of Insurance Commissioners (NAIC) and J.D. Power.
Auto insurance rates
ValuePenguin's car insurance rates are for a 30-year-old man who drives a 2018 Honda Civic EX, has good credit and no car insurance claims.
Minimum coverage quotes are for each state's minimum required insurance amounts. Full coverage quotes include higher liability limits as well as comprehensive and collision coverage:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision coverage: $500 deductible
All rate data is from Quadrant Information Services, which in turn comes from public insurance company filings. Rates are for comparison purposes only. Your quotes will be different depending on your unique situation.
Home insurance rates
ValuePenguin's home insurance rates are for a 45-year-old married man with no insurance claims and good credit. The quotes use the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $1,000
Rate data is Quadrant Information Services, which gets its rates from public insurance company filings. Your rates will vary based on your circumstances. These rates are for comparison only.
About the Author
Senior Writer
Cate Deventer is a Senior Writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
