With headquarters in California, Farmers Insurance Group is a major player in the U.S. insurance market. Farmers offers coverage nationwide and has local offices in almost every state. Drivers can appreciate the wide range of discount opportunities available, but if you don’t qualify for any discounts, you might find relatively high rates through this insurer.

The best way to find affordable coverage is to compare quotes, discounts, and customer service. Keep reading to explore the advantages and disadvantages of Farmers insurance to see if it’s the right company for you.

How Farmers compares to other insurance companies

How Farmers rates compare to competitors

Farmers offers more expensive rates on average compared to other insurance companies. But with its significant amount of discounts, drivers can still find affordable coverage.

The table below compares Farmers’ full-coverage rates to its competitors.

Average cost of Farmers auto insurance

Farmers offers full-coverage insurance for $216 per month and liability coverage for $110 per month.

The average cost of car insurance varies based on your unique situation. Some factors that affect car insurance premiums include age, driving habits, ZIP code, and vehicle type. For example, people with a clean driving record pay less for insurance than drivers with a speeding ticket or DUI on their record. Teen drivers pay more than senior drivers because of a lack of experience.2

The table below shows how various driver profiles affect Farmers’ monthly liability rates compared to the national average.

Farmers car insurance cost by state

Car insurance requirements and prices vary from state to state. The table below highlights the monthly average full-coverage cost compared to Farmers’ full-coverage rates for many of the states the company operates in. 

Keep in mind that your car insurance rates vary based on your driving profile and the amount of coverage you choose.

Farmers car insurance discounts

Many auto insurance companies, including Farmers, offer discount opportunities. The right discounts can reduce your car insurance costs significantly.

Below is a look at some of the discounts available through Farmers:

How customers feel about Farmers

Since Farmers is a large insurance company, it’s not surprising that customers have a range of experiences with the insurer. Some customers enjoy their experience, but others aren’t as satisfied. While you can find some positive Farmers insurance reviews, overall, Farmers has negative reviews on Trustpilot.

Farmers has an A+ rating from the Better Business Bureau (BBB) but 1.12 out of 5 stars with more than 400 reviews. Reviews cite frustrations with payments and customer service.

Farmers also has an NAIC Complaint Index rating of 1.76, which is slightly higher than average for a company of its size.3

Farmers customer reviews

Honest reviews from Farmers insurance customers offer a glimpse into what it’s like to work with the company. Depending on what you find, you might decide to move forward or not.

Below is a look at feedback from real users.

Farmers ratings

As you explore your insurance options, independent ratings from third-party organizations can give you more information about a particular insurer. AM Best rates financial strength, J.D. Power rates customer claim satisfaction, and the NAIC rates the number of complaints.

The table below highlights some of the critical ratings available for Farmers insurance.

Farmers car insurance coverage options

Farmers offers a wide range of insurance options, starting with the standard state-minimum required coverage. A minimum-coverage policy often includes only liability coverage. But a full-coverage auto insurance policy also includes collision and comprehensive coverage.

Below is a look at some of the coverage options available:

Other options for Farmers customers

In addition to auto insurance, Farmers offers customers policies for other important things in their lives, including:

  • Homeowners insurance: Homeowners can protect their property and assets through Farmers home insurance.

  • Renters insurance: Renters insurance can protect your personal property if you’re in a rental.

  • Life insurance: Farmers offers different types of life insurance policies, including term life and whole life policies.

  • Insurance for recreational vehicles: Beyond auto insurance, you can purchase motorcycle insurance, ATV insurance, RV insurance, boat insurance, and collectible auto insurance.

How Farmers Signal works

Farmers Signal is a mobile app designed to monitor your driving behavior. The telematics app tracks metrics such as your braking habits, speed, and phone use.

The savings start when you sign up to use the Signal by Farmers app. If you practice safe driving habits, using the Signal app could lead to lower premiums at renewal. But if you display risky driving behaviors, then your premiums could increase upon renewal.