Is Farmers Car Insurance Good? Reviews and Expert Insights

Farmers car insurance is a good fit for drivers who want highly customizable coverage from a financially stable carrier.

According to AM Best, Farmers Insurance Group holds an A (Excellent) Financial Strength Rating, which signals a strong ability to pay claims.¹ Base premiums tend to run higher than the industry average, but a long menu of discounts and add-ons lets you shape both your coverage and your price.

The average cost is $104 for minimum coverage with Farmers insurance, or $285 for full coverage.

Your individual premium depends on factors every insurer weighs, including your ZIP code, driving record, vehicle, annual mileage, coverage limits, and, where state law allows, your credit-based insurance score.

Farmers insurance gives you two main levers to manage the price: discounts and policy design.

Bundling auto with homeowners insurance, enrolling in the Signal telematics program, and raising your deductibles can each bring your premium down without dropping protection you need. Comparing your Farmers quote against other carriers through Luva can show whether those levers get you to a competitive price.

Farmers car insurance includes the standard coverages — liability, collision, comprehensive, uninsured/underinsured motorist, and medical payments — plus an unusually deep bench of optional add-ons. Customization is the company's calling card.

Availability and pricing for each add-on vary by state, so confirm the details with a Farmers agent or on Farmers.com before you buy.

Farmers offers a long list of discounts that reward bundling, safe driving, and how you pay and manage your policy. The most common ways Farmers customers save include:

• Multi-policy bundling applies when you combine auto with homeowners, renters, or umbrella coverage.

• Signal telematics earns drivers an initial discount for enrolling in the Signal app and completing 10 trips, plus a potential additional discount at renewal based on safe driving, according to Farmers.³

• Pay in full rewards you for paying your premium upfront rather than monthly.

• Paperless and ePolicy discounts apply when you opt into electronic documents and billing.

• Affinity and occupation discounts cover certain professional groups and organizations.

• Good student discounts apply to qualifying full-time students.

Discount amounts and eligibility vary by state, so the fastest way to see your real number is to run a quote with every discount applied.

Farmers, like most carriers, uses a credit-based insurance score as a rating factor in states where the practice is allowed, so drivers with poor credit generally pay more than drivers with excellent credit. 

According to the National Association of Insurance Commissioners (NAIC), insurers use credit-based insurance scores alongside driving history, location, and other factors because of their correlation with claim likelihood.⁴

A few states — including California, Hawaii, and Massachusetts — prohibit or restrict the use of credit in auto insurance pricing. If you live in one of those states, your credit won't affect your Farmers premium.

If you have poor credit, you can still manage your rate by bundling policies, enrolling in Signal, and comparing quotes at each renewal as your credit improves. Luva makes that annual check quick.

The main pros of Farmers car insurance are deep coverage customization and strong financial stability, while the main cons are higher base premiums and a below-average claims satisfaction score.

Here’s how Farmers stacks up against these other leading insurance companies:

Farmers receives mixed customer reviews, pairing excellent financial strength with below-average claims satisfaction scores.

Taken together, the ratings suggest Farmers is highly likely to pay covered claims, but some customers report friction in how the claims process feels along the way.

You can get a Farmers car insurance quote by: 

• visiting Farmers website

• calling the Farmers quote line

• working with a local Farmers agent

Working with an agent is the better route if you want help layering add-ons like rideshare coverage or OEM parts coverage, or if you want every bundling and affinity discount checked against your situation.

Before you start, gather your driver's license, VIN, current declarations page, and annual mileage estimate so your quote reflects accurate information. If you want a baseline, Lu, your personal insurance guide, can help you compare Farmers against other carriers at the same coverage limits.