Farmers auto insurance review and ratings 2025
Farmers is No. 7 in our 2025 Best Auto Insurance Companies ranking with 3.81 stars out of 5. Customers rated Farmers highly for claims handling, customer service and ease of service.
Katrina Raenell
Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.
Laura Longero
Laura Longero
Laura is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network.
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Our take
Farmers is ranked No. 7 among national carriers in our Best Car Insurance Companies of 2025 with 3.81 stars out of 5.
Although Farmers has the second-most expensive monthly premiums on our list, it is highly rated for its customer service, ease of service and claims handling. High rates can bring down an insurer’s star ranking because price is a major part of the score. Customers also noted a higher likelihood of recommending Farmers to others.
Farmers received an A (Excellent) rating for financial stability from AM Best.
Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.
How we weight our score
- Survey Score 40%
- AM Best Rating 25%
- Premiums 20%
- NAIC Complaint Index 15%
What is this rating?
AM Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.
The effective date indicates when the rating was last confirmed by AM Best. Ratings are subject to change based on financial performance and market conditions.
As of date:
For the latest Best's Credit Rating, access AM Best's website.
Pros and Cons
- Highly ranked for how it handles accident and vehicle incident claims
- Most customers say they will renew their policy
- Customers are highly satisfied, and most would recommend Farmers to others
- Second-highest premiums among competitors
- Customers didn’t give its discounts high marks
How much Farmers costs
Farmers’ average monthly premium was $199, the second-highest rate among Insure’s top auto insurers for 2025. Only Allstate ($209) was more expensive.
| Company | Monthly premium |
|---|---|
| USAA* | $115 |
| Erie | $123 |
| Nationwide | $129 |
| Auto-Owners | $129 |
| Travelers | $134 |
| American Family | $142 |
| Geico | $147 |
| State Farm | $165 |
| Progressive | $166 |
| Amica | $185 |
| Farmers | $199 |
| Allstate | $209 |
*USAA is only available to military community members and their families.
How Farmers rates for customer satisfaction
Policyholders give the carrier high marks for customer satisfaction. Eighty-eight percent of Farmers’ customers said they were satisfied with its customer service. Amica, State Farm and Geico did better than Farmers in this category.
| Company | Percent of customers who are satisfied |
|---|---|
| Farmers | 88% |
| State Farm | 92% |
| Travelers | 78% |
How Farmers scores on ease of service
Farmers received average marks from its customers in our survey for ease of service, including accessing policy documents and services. Of the customers surveyed, 88% said they were satisfied. Amica led this category, with 97% of its customers giving it high marks.
| Company | Percent of customers satisfied with the company’s ease of service |
|---|---|
| Farmers | 88% |
| Allstate | 91% |
| Liberty Mutual | 84% |
How Farmers scores on policy offerings
Eighty-four percent of Farmers’ customers said they’re satisfied with its policy offerings, such as rideshare coverage, umbrella insurance and homeowners/condo/rental policies. Amica scored the highest in this category, with 93% of its customers grading it highly, while Liberty Mutual scored lower at 79%.
| Company | Percent of customers satisfied with the company’s policy offerings |
|---|---|
| Farmers | 84% |
| Amica | 93% |
| The Hartford | 81% |
Would current customers recommend Farmers to others?
Many customers are pleased with Farmers Insurance; 88% said they would recommend it to others. In this category, most companies had percentages in the upper 80s and low 90s. Nationwide led this category with a 96% recommendation rate.
| Company | Percent of customers who would recommend the company to others |
|---|---|
| Farmers | 88% |
| State Farm | 91% |
| Allstate | 88% |
How trustworthy is Farmers?
Almost 85% of Farmers’ customers give it high marks for trustworthiness. However, most companies scored in this category’s upper 80th or 90th percentiles.
| Company | Percent of customers who say they trust the company |
|---|---|
| Farmers | 84% |
| Amica | 97% |
| The Hartford | 81% |
Do Farmers’ customers plan to renew?
Eighty-eight percent of customers surveyed said they planned to renew their policies. Most companies earned scores in the 80th and 90th percentile for renewals, with Travelers taking the top spot with a 97% renewal rate.
| Company | Percent of customers who plan to renew with the company |
|---|---|
| Farmers | 88% |
| Travelers | 97% |
| The Hartford | 85% |
How Farmers scores on claims handling
Most Farmers customers said they approved of the company’s claims handling. The company ranked No. 1 in this category in the survey. Amica and State Farm followed at 89% and 88%, respectively.
| Company | Percent of customers who are satisfied with the company’s claims handling |
|---|---|
| Farmers | 94% |
| Amica | 89% |
| Safeco | 74% |
How Farmers scores on digital experience
More than 80% of Farmers’ customers give it a high score in this category. Nationwide was the top scorer at 96%, followed by Progressive, Amica, Geico, Allstate and State Farm.
| Company | Percent of customers satisfied with the company’s digital experience |
|---|---|
| Farmers | 81% |
| Nationwide | 96% |
| Safeco | 75% |
How Farmers scores for discounts
Despite a long list of available discounts, respondents rated Farmers in the lower half of our survey. But this is another category where most insurers didn’t do well in our survey. The best in this category was Nationwide; 86% of its customers gave it high marks for discounts.
| Company | Percent of customers satisfied with the company’s discounts |
|---|---|
| Farmers | 56% |
| Amica | 80% |
| Travelers | 52% |
How Farmers scores for bundling home and auto policies
Nationwide led this category, with 92% of its customers satisfied with its home and auto bundling. As for Farmers, 77% of respondents said it was the best for bundling.
| Company | Percent of customers satisfied with the company’s home and auto bundling |
|---|---|
| Farmers | 77% |
| Progressive | 88% |
| Travelers | 70% |
Farmers car insurance coverages
- Car
- Motorcycle
- Boat and watercraft
- Collectible auto
- RV
- ATV and off-road
- RV and motorhome
- 5th wheel
- Travel trailer
Farmers additional policies
- Home
- Condo
- Renters
- Mobile and manufactured homes
- Vacation homes
- Vacant homes
- Landlord
- Earthquake
- Flood
- Life
- Business
- Condo
- Renters
- Mobile and manufactured homes
- Vacation homes
- Vacant homes
- Landlord
- Earthquake
- Flood
- Life
- Business
- Commercial auto
Farmers car insurance coverage options
- Liability
- Comprehensive
- Collision
- Uninsured and underinsured motorist
- Medical payments
- Personal injury protection
- Towing and roadside assistance
- Rental car reimbursement
- Loss of use
- OEM/new original parts
- Accident forgiveness
- Rideshare and food delivery
- New car replacement/vehicle replacement plus
- Customized equipment
- Glass deductible buyback
- Personal umbrella policy
- Gap insurance
Farmers car insurance discounts
- Bundling
- Loyalty
- ePolicy
- Good payer
- Youthful driver
- On your own
- Save with the Signal app
- Affinity
- Auto pay/EFT
- Anti-theft
- Safe driver
- Good student
- Distant student
- Five-year accident free
- Shared family car
- Mature/defensive/senior driver
- Homeowner
- Pay in full
Note: Not all discounts are available in all states.
States where Farmers offers coverage
| States where Farmers offers coverage |
|---|
| Alabama |
| Arizona |
| Arkansas |
| California |
| Colorado |
| Connecticut |
| Florida |
| Georgia |
| Idaho |
| Illinois |
| Indiana |
| Iowa |
| Kansas |
| Kentucky |
| Louisiana |
| Maine |
| Maryland |
| Massachusetts |
| Michigan |
| Minnesota |
| Mississippi |
| Missouri |
| Montana |
| Nebraska |
| Nevada |
| New Hampshire |
| New Jersey |
| New Mexico |
| New York |
| North Dakota |
| Ohio |
| Oklahoma |
| Oregon |
| Pennsylvania |
| South Carolina |
| South Dakota |
| Tennessee |
| Texas |
| Utah |
| Virginia |
| Washington |
| Wisconsin |
| Wyoming |
Company Background
Farmers was launched from a one-room office in downtown Los Angeles in 1928, a year before the Great Depression. Farmers expanded to acquire New World Life Company of Seattle and became the first major insurance organization to offer a monthly payment plan that didn’t charge customers any interest. In 2021, Farmers completed an acquisition of MetLife’s home and auto business.
Resources & Methodology
Methodology
In the fall of 2024, Insure.com surveyed more than 1,750 insurance consumers (1,199 people with auto insurance). Online market research company Slice MR conducted the survey.
Respondents were asked to name their auto insurer and then grade it in the following categories:
- Customer satisfaction
- Ease of service
- Policy offerings
- Claims satisfaction
- Digital experience (website/app)
- Discounts offered
- Fair rate increases over time
- Insurance for young drivers/teenagers
- Insurance for college students
- Insurance for senior drivers
- Insurance for drivers with tickets or accidents
- Auto and home bundling
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
- I plan to renew with my current auto insurance company
- I would recommend my auto insurance company to others
- I trust my auto insurance company
The percentage of respondents who said yes is presented in the results.The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measures financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For auto insurers, we took the following and gave each a weight.
- Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
- AM Best: 25% of total score
- Annual premium: 20% of total score
- NAIC: 15% of total score
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.
QuickTake
