Farmers Auto Insurance Review in 2024 (Rates & Customer Reviews)

In our comprehensive Farmers auto insurance review, we explore the key factors that position Farmers auto insurance as a significant player in the auto insurance market, providing a clear understanding of comprehensive auto insurance defined.

Offering a broad spectrum of coverage options, Farmers tailors rates based on multiple personal factors. Explore the quality of customer service, the ease of filing claims, and the variety of discounts available, making it a valuable resource for anyone considering Farmers for their auto insurance needs.

Farmers Auto Insurance Rating

Rating Criteria
Overall Score	4.3
Business Reviews	4
Claim Processing	3.3
Company Reputation	4.5
Coverage Availability	5
Coverage Value	4.1
Customer Satisfaction	4
Digital Experience	4.5
Discounts Available	5
Insurance Cost	4.2
Plan Personalization	4.5
Policy Options	5
Savings Potential	4.5

Our analysis aims to equip you with all the necessary information to make an informed decision about your auto insurance.

Enter your ZIP code above into our free comparison tool to see how much car insurance costs in your area.

Farmers Auto Insurance Rate Factors

Understanding the monthly rates for Farmers auto insurance can help you make an informed decision about your car insurance needs. Rates vary based on several factors including coverage level, age, and gender. This guide breaks down the cost differences to give you a clear picture of what to expect when selecting your insurance plan.

Farmers Auto Insurance Monthly Rates by Age, Gender, & Coverage Level

The analysis demonstrates that age and gender profoundly influence auto farmers insurance rates, with younger drivers encountering higher premiums. As drivers mature, their rates generally decline, mirroring their growing experience and reduced risk.

Your driving history is one of the key factors that affect auto insurance rates. This comprehensive overview examines how Farmers auto insurance adjusts monthly premiums according to your driving record.

We’ll look at costs associated with accidents, DUIs, speeding tickets, and maintaining a clean record. This comparison clearly shows the financial benefit of a clean driving record.

This highlights how farmers auto insurance increase rates for drivers with accidents, DUIs, or traffic violations on their records. Maintaining safe driving habits not only ensures safety on the roads but also helps in keeping your insurance premiums manageable.

What You Should Know About Farmers Auto Insurance Group

Farmers auto insurance is the seventh largest insurance company in America, and while it’s not as well known as other companies, it has solid customer reviews. Farmers offers an extensive list of insurance products to cover any need your car might have and several discounts to save money. While customers highly recommend Farmers, rates tend to be higher than other companies.

Farmers Insurance Business Ratings & Consumer Reviews

Agency
	Score: 846/1,000 Lower-Than-Average Satisafaction
	Score: A+ Great Complaint Resolution
	Score: 82/100 High Customer Satisfaction
	Score: 1.70 More Complaints vs. Competitors
	Score: A Excellent Financial Strength

Check out our comprehensive review of Farmers auto insurance and compare it with other providers using an auto insurance quote from Farmers to find the ideal policy for your requirements. Although not the biggest name in car insurance, Farmers is highly respected in the industry, providing traditional auto insurance and customization options like multi-policy discounts.

Although auto insurance quotes from Farmers are typically higher than those from competitors, many customers appreciate the company’s commitment to their interests. A key factor in Farmers’ high customer satisfaction is its wide range of insurance options and diverse discounts available.

Farmers receives strong customer service reviews, with many recommendations from customers. A.M. Best rates it A for financial strength, and the BBB gives it an A+ for handling complaints, despite several complaints listed on the BBB website. To learn how to file a complaint against your auto insurance company, reviewing these ratings can be helpful.

Farmers Auto Insurance Pros and Cons

Exploring Farmers Auto Insurance reveals a blend of tailored coverage options and customer-focused services.

• Farmers offers personalized coverage options
• Safe drivers enjoy discounts with the Signal program
• Exceptional 24/7 customer service and local agent network

Farmers stands out with its customizable policies and innovative discounts, but it’s important to consider the broader pricing context.

• Premiums are above industry average
• Accident forgiveness may not be available in all states

Meanwhile, Farmers offers excellent service and unique discounts, potential customers should weigh these benefits against the possibility of higher premiums.

Farmers Claims Handling

Filing a claim with Farmers auto insurance is straightforward. To learn how to file an auto insurance claim, you can initiate the process online, through the app, or by calling the Farmers claims phone number. After starting your claim, you have the option to select a repair shop within the Farmers network.

Then, when all the details get settled, Farmers will pay your claim as your policy specifies. Most customers say they’re satisfied with how Farmers handles claims, including how easy the process was. More than half of surveyed Farmers’ customers say they were satisfied with how their claims got resolved.

Farmers App

The Farmers app is highly rated and allows you to manage your car insurance policy, among other services, easily. With the Farmers app, you can:

• Manage your payment options and make payments
• Get quotes
• Report claims
• Request roadside assistance
• Receive notifications about your policy

While you can manage your policy through the app, you can always speak to a representative. If you ever wonder, “Where is a Farmers auto insurance near me?” you can find a local agent using the app.

Farmers Auto Insurance Group Insurance Coverage Options

Farmers offers everything you need for a standard car insurance policy. Whether you want minimum coverage to keep your bill down or full coverage to maximize protection, you can find it with Farmers. The following options are Farmers’ standard choices for insurance:

• Liability: Liability auto insurance, which includes bodily injury and property damage coverage, pays for damages you cause in an accident but does not cover your own vehicle.
• Collision: You need collision auto insurance to protect your car from damage caused by an accident. Collision insurance, including Farmers collision repair, covers vehicle repairs after an accident, regardless of fault.
• Comprehensive: Comprehensive auto insurance protects your car from fire, weather, animal contact, theft, and vandalism.
• Personal Injury Protection (PIP): PIP auto insurance helps pay your medical bills after an accident. PIP insurance covers hospital bills, physical therapy, and lost wages.
• Uninsured/Underinsured Motorist: While most states require insurance coverage, not all drivers follow the law. Uninsured motorist coverage helps repair your car if a driver with inadequate insurance hits you or when you’re the victim of a hit-and-run.

These five insurance types offer fairly complete protection for your car. However, your coverage needs to depend on your unique situation.

Farmers Auto Insurance Group Insurance Rates Breakdown

Farmers auto insurance receives positive reviews for coverage and customer service but is often more expensive than other providers. While many insurers offer competitive rates for specific demographics, Farmers’ pricing is generally higher. We provide a breakdown of average annual full-coverage auto insurance rates by state to help you understand these costs and make informed decisions based on location and coverage needs.

Farmers’ auto insurance rates vary by state and coverage type, especially for a 45-year-old male with a clean record. Reviewing these rates allows you to compare Farmers with other insurers, identify savings, and understand how location affects premiums. Knowing full coverage auto insurance defined can help determine if Farmers is the right choice for you.

How Age Impacts Farmers Auto Insurance Rates

Auto insurance rates by age vary, with younger drivers, especially teens, paying higher premiums. Farmers auto insurance tends to charge more for young drivers than other insurers. Although adding a teen to a parent’s policy can reduce costs, Farmers’ rates for young drivers remain above average.

Farmers Teen Full Coverage Auto Insurance Monthly Rates by Provider

Insurance Company	Teen Only	Teen Added
	$638	$538
	$509	$180
	$773	$315
	$312	$304
	$785	$255
	$476	$259
	$814	$375
	$349	$218
	$910	$538
U.S. Average	$618	$271

Older drivers benefit from lower premiums due to their experience and safer driving habits, which reduce risk. The rate difference between younger and older drivers decreases with age, but Farmers’ rates remain higher than those of other companies. This data helps assess how age affects auto insurance costs and whether Farmers auto insurance fits your budget and coverage needs.

Understanding Auto Insurance Rates for 65-Year-Old Drivers

Auto insurance premiums often increase for drivers at age 65 due to factors like age, which insurers use to assess risk. Full coverage rates for 65-year-old male drivers with clean records vary widely. Geico offers the lowest rate at $78 per month, while Liberty Mutual is the highest at $169. The U.S. average is $115, reflecting diverse options for senior drivers.

Farmers Senior Full Coverage Auto Insurance Monthly Rates by Provider

Insurance Company	Rates
	$157
	$114
	$84
	$136
	$78
	$170
	$112
	$103
	$84
	$97

When choosing an insurance provider, consider the monthly premium, customer service, claims handling, driving history, location, and coverage needs. Knowing how auto insurance companies check driving records helps you find a policy that fits your budget and provides adequate coverage.

Farmers Auto Insurance Rates & How Driving Record Affects Them

Your driving history plays a crucial role in determining your car insurance rates with Farmers. A clean record with no tickets, accidents, or serious violations like DUIs will result in lower premiums. However, any infractions can significantly increase your rates. For example, Farmers’ rates for drivers with a DUI or an accident are higher than those with a clean record, but they align closely with the national average for similar infractions.

Farmers Full Coverage Auto Insurance Monthly Rates by Provider & Driving Record

Insurance Company	Clean Record	One DUI	One Accident	One Ticket
	$160	$270	$225	$188
	$116	$194	$176	$136
	$139	$193	$198	$173
	$105	$250	$133	$106
	$174	$313	$234	$212
	$115	$237	$161	$137
	$105	$140	$186	$140
	$86	$112	$102	$96
	$99	$206	$139	$134
	$59	$108	$78	$67
U.S. Average	$119	$146	$173	$147

Understanding how auto insurance companies check driving records is crucial when evaluating insurance rates. The farmers car insurance company may not offer the lowest rates for drivers with minor violations, but it remains competitive for severe offenses such as DUIs. This information can assist you in determining if Farmers meets your insurance needs.

Comparing DUI Insurance Rates: Farmers vs. Competitors

Farmers auto insurance tends to have higher premiums across most categories, but its rates for drivers with a DUI align closely with the national average. For instance, Farmers charges $198 per month for a driver with a DUI, while the U.S. average is $173. This makes Farmers a relatively competitive choice for those with a DUI on their record, even though it may not offer the lowest rates overall.

DUI Full Coverage Auto Insurance Monthly Rates vs. Clean Record by Provider

Insurance Company	Clean Record	One DUI
	$86	$240
	$160	$225
	$117	$176
	$97	$166
	$139	$198
	$80	$132
	$174	$234
	$115	$161
	$105	$186
	$86	$202
	$112	$250
	$99	$239
U.S. Average	$119	$173

When reviewing DUI insurance rates, companies like Geico and AAA typically offer lower premiums for drivers with clean records. However, DUI defined as a significant risk factor, prompts substantial rate increases from Farmers and similar providers. This knowledge aids drivers in selecting the most suitable insurance based on their history and budget.

Farmers Auto Insurance Rates: Clean Record vs. Accident

Drivers with an accident on their record face higher insurance rates. Farmers auto insurance charges $198 per month for those with an accident, compared to $140 for a clean record. While Farmers’ rates are competitive with companies like Liberty Mutual at $234, they are higher than Geico’s $132.

Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record

Insurance Company	Clean Record	One Accident
	$180	$220
	$166	$225
	$116	$176
	$119	$97
	$140	$198
	$95	$132
	$177	$234
	$140	$161
	$120	$186
	$105	$150
	$175	$230
	$160	$200
U.S. Average	$123	$172

An at-fault accident raises auto insurance premiums for most drivers. For instance, AAA’s rate escalates from $180 to $220, while The Hartford’s climbs from $175 to $230. Conversely, Geico and American Family have smaller increases, proving more affordable for drivers with an accident history. Comparing these rates assists in finding the most suitable insurance.

Speeding Tickets Spike Insurance Costs: How Farmers Compares

A speeding ticket raises auto insurance premiums. Farmers auto insurance increases rates from $139 per month for a clean record to $173 for one ticket. While Farmers is competitive compared to Liberty Mutual at $212, it’s higher than Geico’s $106. Keeping a clean driving record helps lower insurance costs.

Full Coverage Auto Insurance Monthly Rates by Provider: One Ticket vs. Clean Record

Insurance Company	One Ticket	Clean Record
	$108	$86
	$188	$160
	$136	$117
	$105	$87
	$119	$97
	$58	$70
	$173	$139
	$106	$80
	$212	$174
	$137	$115
	$140	$105
	$96	$86
	$277	$232
	$136	$112
	$134	$99
U.S. Average	$147	$119

A single speeding ticket can elevate premiums with various providers. For example, Allstate’s rates escalate from $160 to $188, while The General’s climb from $232 to $277. Interestingly, Erie presents a smaller rate increase. By comparing these changes, drivers can explore how long a speeding ticket affects their auto insurance rates and find budget-friendly options tailored to their driving records.

Farmers vs. Top Auto Insurers: A Quick Comparison

Discover how Farmers auto insurance compares to other leading providers like Allstate, Geico, Nationwide, State Farm, and USAA. This analysis highlights key differences in rates, coverage options, and customer satisfaction, helping you choose the best insurance for your needs.

Compare Farmers against each provider on platforms where to compare auto insurance rates to see where it stands in terms of value, service, and coverage. Use this comparison to make an informed decision about your auto insurance, whether you prioritize cost, comprehensive coverage, or customer service.

Farmers Auto Insurance Group Discounts Available

Farmers has several discounts to help you save money. While discounts vary by state, you might find the following savings:

• Good Driver
• Homeowners
• Bundling Policies
• Anti-Theft Features
• Driver Education

You may also be eligible for auto insurance discounts if you’re part of certain professional groups, though you’ll have to check with an insurance representative to see if you qualify.

Farmers Signal Discount

Most of the largest insurance companies offer usage-based insurance for safe drivers who spend less time behind the wheel. For example, Farmers’ insurance program for safe drivers is called Signal. Signal is a mobile app that tracks your driving behavior. Drivers who sign up for Signal automatically receive a 5% discount.

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Accidents can be scary, but knowing what to do after a crash can help you be better prepared for the unexpected. Take these 5 steps after an accident: https://t.co/pjrDcz9I4L pic.twitter.com/Zxc45LwVx3

— Farmers Insurance (@WeAreFarmers) February 29, 2024

If you practice safe driving habits, you can earn an additional 15% discount on your next policy renewal. Signal tracks how far you drive when you drive, and driving behaviors like hard braking, sharp turns, and speeding. While it can help you save, you should only consider Signal if you’re comfortable with it monitoring your driving. For more information on Signal, read our Farmers signal review. 

How Farmers Auto Insurance Group Ranks Among Providers

When selecting auto insurance, understanding how coverage levels impact your premiums is crucial. Farmers auto insurance offers a balanced rate of $53 for minimum coverage and $139 for full coverage, making it a competitive option between Geico’s low rates and Liberty Mutual’s higher prices. This balance allows you to tailor your choice based on your coverage needs and budget.

Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$61	$160
	$44	$117
	$53	$139
	$30	$80
	$68	$174
	$44	$115
	$39	$105
	$33	$86
	$37	$99
U.S. Average	$45	$119

Comparing Farmers to other providers like Allstate, State Farm, and Progressive reveals the cost variations for different coverage levels. Whether you seek affordable minimum coverage or comprehensive protection, analyzing these rates, along with strategies on how to lower your auto insurance rates, helps you make an informed decision that fits your financial and insurance needs.

Farmers Auto Insurance Full Coverage Rates by State

Farmers auto insurance rates for full coverage vary by state. In Alabama, it’s $133 per month, while in California, it’s $167. Farmers offers competitive pricing compared to higher rates from Liberty Mutual but is more expensive than Geico in most states. Reviewing these rates helps determine if Farmers meets your coverage needs and budget.

Auto Insurance Monthly Rates by State & Coverage Level

Though not the cheapest, Farmers balances cost and coverage effectively. Knowing where to compare auto insurance rates and comparing rates across providers and states can help you find the right insurance plan that offers the protection you need at a reasonable price.

Farmers Auto Insurance Rate Insights

The Farmers car insurance company provides a wide range of coverage options and robust financial stability, though it contends with higher-than-average rates and mixed customer feedback. Enriched with Farmers car insurance reviews, it highlights this insurance provider’s strengths and weaknesses.

Weighing its coverage and costs, Farmers auto insurance could be a fit if you’re looking for reliability despite higher premiums. It’s also important to know how to check if an auto insurance company is legitimate before making a decision. Obtaining a farmers auto insurance quote online is crucial for comparing multiple quotes to secure the best deal.

Unpacking the Worth of Farmers Auto Insurance

Farmers auto insurance offers strong financial stability and a range of coverage options, appealing to those seeking reliability. Despite higher rates, discounts and the Signal program can help reduce costs, supported by high ratings from the Better Business Bureau and A.M. Best.

Farmers’ premiums are often higher, particularly for younger drivers or those with a history of traffic violations. It’s important to understand how to compare auto insurance quotes from different providers to see if Farmers’ coverage suits your needs and budget.