Farmers Insurance started selling insurance to farmers in 1928 to protect farm vehicles. Farmers has been trusted by customers to protect their most valuable assets since 1928. Farmers offers a wide range of insurance products and is well-known for its extensive network and ability to respond to disasters.
This insurance company is an excellent choice for customers looking for reliable auto and home coverage, due to its longstanding history as well as the expertise of Farmers.
Farmers auto insurance
Farmers insurance reviews are great and millions of drivers choose Farmers to cover their vehicles. Drivers looking for auto insurance can find the basic coverage with Farmers, as well as a few extra options like extended customized equipment coverage and New Car Replacement Coverage. This makes Farmers Insurance stand out among the rest.
Insurance
- Replacement coverage If your car is totaled within 2 years and you have driven it less than 24,000m, Farmers will replace it. Your deductible will be waived.
- Comprehensive coverage and collision coverage . Comprehensive covers you against damage from hail, theft, or other incidents. Collision coverage protects you in the event of an accident.
- Customized Equipment Coverage: The Farmers customized equipment coverage protects your vehicle’s after-market accessories like sound systems or alloy wheels in the event of damage.
- Liability : Insurance that covers liability for damage caused to others by an accident.
- Uninsured or underinsured motorist damages: This covers your medical bills and damages if you are involved in an accident with another driver.
- Coverage for medical payments: This covers you and your passengers’ medical bills in the event of an accident-related injury.
- Towing: The Farmers Insurance Roadside Assistance coverage provides towing and 24-hour assistance for flat tires or dead or weak batteries.
- Accident forgiveness If you have accident forgiveness coverage, and there is one at-fault incident, your auto insurance rate will not change. This coverage covers one at-fault incident for every three years that you are without it.
- LOSS OF USE: If your vehicle is damaged or lost, this optional coverage will give you public transportation options and a rental car.
- Ridershare insurance: This policy covers drivers who use ridesharing apps such as Uber and Lyft.
Farmers Car Insurance: What is the Cost?
Farmers car insurance offers a wide range of coverage options. Drivers who choose Farmers will also find it more affordable than other carriers. The annual average cost of Farmers car insurance is $190 per year for minimum coverage, and $1124 for full coverage. This is $700 less than the national average $1,738 per year for full coverage.
| Average annual cost of minimum coverage | Average annual cost of full coverage |
|---|---|
| $190 | $1,124 |
Get Discounts
These are just a few of the Farmers car insurance discounts. However, discounts and availability can vary from one state to another.
- Signal by farmer: Get a 5% discount when you download the Signal app. This app tracks your driving habits, and offers a 15% discount at year’s end.
- Loyalty – You may get discounts if you are a loyal customer for many years.
Student with good grades: Students who are good at school can save money. - Distant student – This discount is available if your driver is at college less than 100 miles away or if they have left their car at home.
- Multi-vehicle, bundled: You can get a discount on your Farmers Insurance policy if multiple vehicles are insure with Farmers or you bundle different types.
Farmers Home Insurance
Farmers also offers home insurance. Farmers offers home insurance with a variety of coverage options and discounts.
Insurance
The following options for Farmers home insurance coverage are available:
- Contents Replacement Cost Coverage: This policy pays to replace personal items in your home that are lost or damaged due to theft.
- Ecorebuild: You can get up to $25,000 for the additional cost of green materials or appliances if you rebuild your house after a fire.
- Medical payments – This covers the medical costs of anyone who is hurt on your property, regardless if you are liable.
- Living expenses – If you are unable to live in your home, this coverage will help pay for your living expenses.
Get Discounts
You can also take advantage of multi-policy discounts when you sign up for home insurance coverage.
- Claims-free: You could be eligible for a Farmers discount if you have been without a claim for at least three years.
- Home renovation – Farmers may offer a discount for you to upgrade your plumbing, electrical and other mechanical systems.
- Home safety – This discount is available for safe and energy-efficient homes that have been certified by Energy Star, EPA, LEED or other safety features.
- New home – This discount is only available to homes that were built less than 12 year ago.
- Protection devices: Get a discount on installing fire alarms, security system or indoor fire sprinkler systems.
Farmers life insurance
Farmers provides a range of life insurance options to those who want to enroll in life insurance. Farmers’ website allows you to speak with an agent and receive a quote online.
Different types of policies
- Term insurance policies allow your premiums to stay the same for a set period of time, usually 10, 20 or 30 years. Your premium will rise once the level period has ended. You might consider term life insurance if you are on a tight budget and have anticipated expenses.
- You are covered for the remainder of your life with whole life insurance Whole life insurance is more flexible than other types of insurance and can be used to build cash value.
- Universal insurance offers more flexibility than whole-life insurance. It can also accumulate cash value and is permanent.
Why Farmers is a great choice
Farmers Insurance is a great choice for those looking for home and auto insurance. You can choose from a variety of coverage options and add-ons.
Farmers is best for people who live in the Central or Midwestern region, where the company was founded and has the strongest presence. Farmers is well-known for its ability to respond to disasters, so it’s a great option for those who live in areas prone for extreme weather such as tornadoes and hurricanes. Farmers Mobile Claims Center is available to assist policyholders in filing claims at the scene of natural disasters.
Farmers premiums are not the most affordable if you have only one policy. Farmers’ average auto insurance policy is $1,540 per year for full coverage. You should shop around for Farmers insurance quotes and compare them with other providers.
Ratings, reviews, customer satisfaction, and complaints about Farmers
The average Farmers insurance review is above-average. Farmers customer service is generally good. We have included ratings from market experts, such as J.D. Power, Consumer Affairs, Better Business Bureau, (BBB), and AM Best. These companies use real customer feedback as well as financial strength indicators to give Farmers an accurate rating.
| Rating Organization | Score |
|---|---|
| AM Best | A (Excellent) |
| BBB | A+ |
| Consumer Affairs | 2 out of 5 |
| J.D. J.D. | 827/1000 |
| J.D. J.D. | 814/1000 |
| J.D. J.D. | 2 out of 5 |
Farmers also offer additional policies
Are you looking for multi-policy discounts These additional categories are also covered by Farmers insurance
- Business
- Financial
- Landlords and rentals
- Renters
- Motorbike
- Pet
- Recreational (boats, ATVs).
- Umbrella
Questions frequently asked
What information do I need in order to receive a Farmers quote?
For Farmers insurance quotes, visit the page for the type you are looking for (auto, renters). To get a quote, fill out the form. Call customer service to speak with a local agent.
How can I file a Farmers claim?
Farmers insurance claims can be filed easily. Call your Farmers agent to file a claim or fill out an online form. You can also visit their Mobile Claims Center if you are in an area affected by a natural catastrophe such as a tornado or hurricane. You can also download the Farmers app to submit a claim.
Are Farmers available in my State?
Farmers insurance provides coverage in all states. The location may affect the discounts and policy offerings.
