Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
Director of corporate communications, Insurance Information Institute
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
Director of corporate communications, Insurance Information Institute
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
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At a glance
3.9
Rating: 3.9 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 3.8 stars out of 5
3.8
Cost & ratings
Rating: 3.5 stars out of 5
3.5
Coverage
Rating: 4 stars out of 5
4.0
Support
Rating: 4 stars out of 5
4.0
Home
Rating: 3.6 stars out of 5
3.6
Cost & ratings
Rating: 3 stars out of 5
3.0
Coverage
Rating: 4.3 stars out of 5
4.3
Support
Rating: 3.75 stars out of 5
3.8
Life
Rating: 4.4 stars out of 5
4.4
Cost & ratings
Rating: 4 stars out of 5
4.0
Coverage
Rating: 5 stars out of 5
5.0
Support
Rating: 4 stars out of 5
4.0
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Policyholders who value customized car insurance and bundling discount opportunities with other policies like life, home, pet or commercial insurance, might consider Farmers as their company of choice.
Variety of car insurance offerings like rideshare coverage, no-deductible glass and windshield coverage and spare parts coverage
Vast network of exclusive and independent agents spread across the country
Poorly rated digital auto insurance shopping tools
Life insurance available in all states except New York
Two types of term and two types of whole life insurance, plus a universal and an indexed universal policy
Auto
Avg. annual premium for full coverage
$3,273
Avg. annual premium for min coverage
$1,084
New
What’s new with Farmers?
Starting in 2023, Farmers began a voluntary withdrawal of its Farmers-branded auto, home or umbrella policies in Florida. However, it’s still offering coverage through numerous subsidiaries, including Foremost Insurance and Bristol West Insurance. In California, Farmers announced plans to expand its home insurance offerings in the state again in 2025 after limiting the amount of new home insurance policies it writes in 2023 — now accepting 9,500 new customers per month.
Farmers car insurance review
Farmers Insurance earned a Bankrate Score of 3.8 out of 5. Although the company offers robust coverage options that may not be found with other carriers, it fell short due to its lower-than-average digital shopping score from J.D. Power. Still, based on Bankrate’s assessment, Farmers may be a good choice for drivers who want to personalize their car insurance policy.
Farmers may be among the best car insurance companies when it comes to coverage options. On top of standard coverage types, drivers may also be able to add options like new car replacement, accident forgiveness and full windshield and glass coverage. If your car insurance policy includes optional collision and comprehensive coverage, Farmers even provides an add-on option for customized equipment coverage to insure any vehicle additions, like aftermarket stereos and custom wheels.
Pros and cons of Farmers car insurance
When requesting car insurance quotes, you may find it helpful to compare perks and drawbacks for each provider. This practice helps to differentiate one carrier from another, and it can be an easy way to evaluate a company holistically. Here are some of the pros and cons we identified with Farmers auto insurance.
Pros
Robust coverage options are offered that may not be available with other carriers
More than 48,000 exclusive and independent agents across the U.S.
Fewer-than-average customer complaints regarding private passenger auto, according to the National Association of Insurance Commissioners (NAIC)
Cons
Low customer satisfaction per J.D. Power scores
Lower-than-average J.D. Power digital shopping score
Customer service is not available 24/7
Farmers car insurance cost
Based on Bankrate’s study of average annual premiums from Quadrant Information Services, the average cost of car insurance with Farmers is $3,273 per year for full coverage and $1,084 for minimum coverage. To compare, the national average cost of car insurance is $2,685 per year for full coverage and $800 for minimum coverage.
How much is Farmers car insurance?
Car insurance companies use several rating factors to calculate how much you pay for car insurance and your driving history may be one of the most significant. Insurers tend to view your driving history as a strong indicator of your overall driving behavior. Riskier drivers, like those with an at-fault accident, speeding ticket, poor credit or DUI on their records, are seen as more likely to file claims in the future. Some incidents are weighed more heavily than others between insurance companies, as you can see in the table below.
Please note that not all standard auto insurance companies will offer policies to drivers with DUI in their driving history.
When comparing car insurance rates, age is another rating that may impact your premium in most states. Drivers aged 15 to 20 make up over 8 percent of all fatal car accidents. To offset the higher risk that young drivers carry, car insurance companies typically charge them a higher premium than all other age groups. However, younger drivers may get a lower rate if they choose to remain on their parents’ policy in lieu of purchasing their own policy.
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
Each insurance company has its own, unique method for determining your rate. One insurer may reward a good credit score with an ultra-affordable rate, while it may not count for much with another insurer. The table below illustrates how Farmers car insurance rates stack up to other major companies.
Although cheap insurance is a priority for many, price might not be your only consideration when shopping for new coverage. Bankrate’s insurance editorial team understands that customer satisfaction may be top-of-mind for some, so we look to various third-party scores to help evaluate this.
Farmers auto claims satisfaction
One way we gauge an insurance company’s customer satisfaction is through studies conducted by J.D. Power. Each year, this rating company scores and ranks insurance companies in several subject areas, like overall customer satisfaction and claims satisfaction using a “best of” number on a 1,000-point rating scale.
In the 2024 J.D. Power Auto Insurance Study, Farmers scored below average in every region but one where it was scored. However, in the 2024 Auto Claims Satisfaction Study, Farmers came in slightly above average. This indicates that Farmers claims process and payout may be satisfactory, which is a key factor in its A (Excellent) financial strength rating from AM Best, but that the insurer could improve its overall customer service.
J.D. Power Auto Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 697 to 706.
End of interactive chart.
Farmers auto insurance customer complaints
How many customer complaints a company receives is also a good indication of how customers feel about its service. The National Association of Insurance Commissioners (NAIC) produces an annual complaint index report assessing the frequency of complaints lodged against insurance companies. The index employs a baseline of 1.0. Scores below 1.0 indicate that a provider had fewer complaints than expected for a company its size and vice versa.
Bankrate used data from NAIC to analyze customer complaints over time. The company’s score tends to fluctuate slightly (as you can see from the following table). For instance, in 2021, Farmers received fewer complaints than average, but the number of complaints jumped the following year. The most recent year available saw complaints back down considerably. This suggests that the company responds to customer dissatisfaction and is making efforts to improve customer service. Still, if you prioritize customer satisfaction, you may want to read reviews before purchasing a policy.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.74 to 1.25.
End of interactive chart.
Farmers car insurance discounts
Finding the cheapest car insurance company is a motivating factor for many consumers. While Farmers’ average premium may be lower than the national average, the company also offers many discounts that may help you save on car insurance. Please note that discount availability and savings amount may vary depending on your state.
Good payer discount: You could be eligible for a discount if you have no late payments for 12 months.
Shared family car discount: This discount could apply to your car insurance if there is a single driver aged 20 or younger in the household and there are more drivers than vehicles on the policy (excluding cars in storage).
Signal discount: Farmers offers Signal, a usage-based telematics program that may reward drivers for safe driving habits. By downloading the mobile app and participating in the program, drivers could earn a discount and be entered to win monthly rewards for maintaining a safe driving score. The app even features CrashAssist, which utilizes sensors within your mobile phone to help detect accidents when they occur and request emergency services if needed. Signal is not available to drivers in California, Florida, Hawaii, New York and South Carolina.
Alternative fuel discount: Policyholders in California who drive a vehicle that is powered by anything other than gasoline-only (a hybrid or electric vehicle, for instance) could save on their car insurance.
Distant student discount: If your child (under age 23) lives at a school that is at least 100 miles away from home and does not have regular access to a vehicle, you could earn a discount.
ePolicy discount: You may get a discount if you agree to receive your policy documents electronically rather than in paper form.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Farmers life insurance review
Farmers may be a good choice for shoppers looking for a variety of life insurance products and who prefer to keep their policies under one roof. Having all your insurance needs in one convenient place could make it easier to manage your policies and make changes when needed. It could also generate substantial bundling discounts.
Farmers New World Life Insurance Company underwrites Farmers life insurance, and its offerings may be robust compared to some carriers. To accommodate different needs, Farmers and its underwriting company offer two types of term and whole life, along with universal and indexed universal life policies. In addition to these policy types, you can customize your life insurance with one (or more) of the riders the company has available. Depending on your needs and rating factors, you may not need to take a medical exam to qualify for coverage.
Pros and cons of Farmers life insurance
Finding the best life insurance may be an important part of a well-rounded financial plan, no matter what stage of life you may be in. This list of pros and cons may help you decide if Farmers life insurance fits your needs.
Pros
No medical exam required in many cases
Multiple policy types and riders available
No maximum death benefit limit on Farmers Value Term life policies
Cons
No guaranteed acceptance life insurance policy offered
Not rated by J.D. Power
Unable to finalize purchase online. Must purchase through a Farmers agent.
Farmers life insurance riders
If you're shopping for life insurance, you may benefit from comparing quotes or seeking professional counsel provided by a licensed insurance agent or your financial advisor, especially if you’re unfamiliar with the different types of plans and the cost of life insurance. Farmers life insurance policies can be personalized for specific needs by adding life insurance riders. Some Farmers’ life insurance endorsements include:
Waiver of premium endorsement: This option may help pay for policy premiums if you become disabled and lose your job.
Critical illness endorsement: This rider may pay a sum if you are diagnosed with a specific illness, such as cancer, heart attack or stroke.
Accelerated death benefit endorsement: If you are diagnosed with a terminal illness during your policy term, you may be able to collect a portion of your death benefit if you carry this endorsement on your life insurance policy.
Compare life insurance providers quickly and easily
See which provider is right for you.
22-24
25-34
35-44
45-54
55-59
60+
Please select age
The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.
0-75,000
75,000-125,000
125,000-250,000
250,000-500,000
500,000-1,000,000
1,000,000+
Please select Coverage amount
Whole life insurance combines life insurance with an investment component.
Coverage for life
Tax-deferred savings benefit if premiums are paid
3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
Fixed premium over term
No savings benefits
Outliving policy or policy cancellation results in no money back
Term 5 Years
Term 10 Years
Term 20 Years
Term 30 Years
Whole Life
Final Expense
Not Sure
Please select Policy type
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After reading this Farmers insurance review, you might not feel that Farmers is the best fit for your insurance needs. If so, you might want to consider requesting quotes from the companies below:
Featured
Farmers
Rating: 3.8 stars out of 5
3.8
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
Policyholders who value customized car insurance and want to bundle all their coverage with the same insurer, like life, home, pet or commercial insurance, might consider Farmers as their company of choice.
Individuals who are 50 or older may find that The Hartford offers specialized policy options and discounts for their demographic. However, you must be a member of the American Association of Retired People (AARP) to be eligible.
As the fifth-largest U.S. property and casualty insurer by market share, Liberty Mutual could be another option if you prefer a major national insurance company, especially if you reside in a state where Farmers does not offer your desired product type. Liberty Mutual also offers more advertised life insurance riders than Farmers.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Farmers a good insurance company?
Bankrate’s insurance editorial team includes licensed agents who are committed to helping you evaluate a company on coverage offerings, price, availability and digital tools. We aim to use our real-world experience to bring you the information you may need to make an informed decision regarding your insurance policy.
Based on our assessment, Farmers Insurance might be a good choice if you don’t mind spending a little extra for robust coverage options. With its wide array of insurance products, Farmers may also be best for shoppers who prefer to keep their policies with the same company. On the other hand, Farmers’ digital shopping experience may be lacking, according to the 2024 J.D. Power U.S. Insurance Digital Experience Study. The best way to determine if Farmers is a good company for you may be to request a quote.
What are real-life customers saying about Farmers?
To give a more accurate picture of Farmers insurance, Bankrate’s editorial team looked at what real-life Farmers customers were saying on Reddit. Although Reddit is not an official review site, as a discussion forum, it can provide valuable insight into how its policyholders view (and potential customers) the company.
Farmers' higher quoted rates can be a major deterrent for most people considering the company. However, for those seeking more personalized customer service, Farmers higher average rates may be worth the trade-off:
Reddit User 1
Mar 13, 2015
Farmer's is an agent model...
Farmer's is an agent model - if it's important to you to 'have a guy' then it might be worth it…Is it worth it to have 'a guy?' That's up to you. Sometimes having an agent makes making a claim easier, sometimes not.
Customer service mailing address: 6301 Owensmouth Avenue Woodland Hills, CA 91367
Billing mailing address: P.O.Box 0991, Carol Stream, IL 60132-0991
State availability
Farmers has various products available across the U.S. However, it does not offer all products in all states. For auto, coverage is available in all states except Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont, Washington, D.C. and West Virginia. Recently it has stopped offering Farmers-branded auto, home and personal umbrella policies in Florida. Farmers life insurance is not available in New York. Its website does not give a complete list of exactly where it is available.
Farmers tools and benefits
Personal auto insurance isn’t the only kind of vehicle coverage that Farmers offers. The company also provides insurance policies and endorsements across several additional insurance products.
Recreational vehicle coverage: Farmers offers policies for motorcycles, boats, watercraft and collectible cars, as well as larger vehicles like RVs, motorhomes and travel trailers.
TrueCar: Farmers car shopping service, TrueCar, connects car buyers with certified auto dealers across the country. By shopping with TrueCar, buyers are able to view a vehicle’s price and see if it is currently higher or lower than its current market value in their area.
Life Compass: Farmers’ Life Compass feature allows you to complete a short quiz to help you understand which life insurance products may suit you based on your goals and financial situation. From there, you can request a life insurance quote online or bring the results to a local Farmers agent if you have more questions.
Home Leak Detection: Farmers homeowners policyholders concerned about water conservation may save over $300 on Moen’s water-leak detection device. This monitoring system can be installed without a plumber and comes with a mobile app to help monitor your home’s water usage and alert you of any issues. Farmers home policyholders in Michigan or Minnesota who have a Moen Flo Smart Water Monitor and Shutoff device may receive an additional discount on their home policy.
Pet insurance: Farmers has partnered with Pets Best to provide pet insurance. They offer two levels of coverage: Accident-Only and BestBenefit Accident and Illness. The latter also has the option to add wellness routine care.
Landlord insurance: Landlords renting out their own property to tenants may have unique liability exposure that a standard homeowners insurance policy won’t cover. In most policies, this includes increased liability and wrongful eviction coverage.
Commercial insurance: Farmers provides businesses with a wide array of coverages including property, liability, commercial auto, workers’ compensation, commercial umbrella and group life plans.
Financial products: In addition to its life insurance policies, Farmers offers customers an opportunity to invest through mutual funds, IRAs, college savings plans and annuities.
Frequently asked questions about Farmers
Farmers makes it easy to file a claim, which is helpful since it can be a rather stressful experience. You can file a claim with Farmers by:
Calling 1-800-435-7764, or 1-877-732-5266 for Spanish speakers
To make the process go faster, have your policy number and pertinent information available. For auto and home claims, have contact information for any witnesses, pictures from the accident site or home damage, and be prepared to answer some basic questions about what occurred.
Social responsibility is a core part of Farmers’ Insurance culture, both to its employees and the wider community. The Farmers Family Fund was established in 2012 to help Farmers employees experiencing an unexpected financial hardship, and has since provided over $4 million in grants. The company also encourages diversity and inclusion efforts, including sponsoring employee groups for a wide range of identities, backgrounds and ethnicities.
Outside of the company, Farmers focuses its efforts on supporting communities that have been impacted by natural disasters. Each of the three nonprofits that Farmers has partnered with — SBP, Operation BBQ Relief and Junior Achievement — share a purpose in responding quickly to communities affected by catastrophes. Farmers also often organize giving campaigns and match employee donations to these efforts.
The company also sponsors the annual Farmers Insurance Open on the PGA Tour, which generates funds for local charitable organizations like Champions for Youth, which supports youth and low-income military families.
Farmers stopped offering auto, home and personal umbrella policies through its exclusive agents in Florida and is just now beginning to expand its coverage again in California after limiting the quantity and location of new home policies it offers in the state. Both states experience a high risk of loss due to extreme weather and natural disasters, such as hurricanes and wildfires. Due to inflation-driven rebuilding costs and projected increase in claim frequency, many carriers have limited their exposure in areas of the country prone to catastrophic loss.
Farmers policies that share billing account numbers can be paid simultaneously online. If your policies have different billing numbers, you must make separate payments. Farmers may be able to combine multiple policies under the same account number, so reach out to your local agent for assistance.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s financial strength, product and rider offerings, availability, customer experience and corporate sustainability. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
40% Ratings
40% Ratings
40% Coverage
40% Coverage
20% Accessibility
20% Accessibility
Tier 1 (Ratings): To determine a life insurance company’s financial health and reliability, we assessed several industry-standard ratings, such as J.D. Power, AM Best, Comdex, the National Association of Insurance Commissioners (NAIC), and credit agencies like Moody’s, Fitch and S&P.
Tier 2 (Coverage options): We assessed companies’ coverage options, availability and policy features to help policyholders find a provider that best meets their needs. We examined each company’s life insurance product lines, including term, whole and universal life options.
Tier 3 (Accessibility & process): To assess the ease and transparency of applying for coverage, we reviewed the simplicity of obtaining a quote and insurers' underwriting processes — including eligibility requirements. We also considered insurers’ community engagement.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Overall rating
Pie chart with 5 slices.
End of interactive chart.
5
Rating: 5 stars out of 5
Overall Score
Cost & ratings50%
Coverage & savings30%
Support20%
Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about Farmers
Farmers has 53 reviews
Dive into community reviews below and see what others think about Farmers.
4.2
53
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
85% of consumers recommend this insurer
Score breakdown
5 stars
45%
4 stars
40%
3 stars
9%
2 stars
4%
1 star
2%
Score by category
Overall rating4.2 / 5
Original cost3.8 / 5
Coverage4.2 / 5
Customer Support4.2 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about Farmers.
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Initially bought it because of the low price but have found their customer service to be excellent and after having coverage for a year, this is the only one of my monthly payments that has not gone up to to "inflation".
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
It was recommended to me by someone.
Insurance Type
Auto + Home
Score by category
Original cost3/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
First time I’ve had it so can’t compare really
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I would not switch my primary insurance company. I’m satisfied with the price and customer service.
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Not accepting my claim
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
They gave me the best rate, and I really clicked with the agent. They were very nice, and personalized the experience.
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I recommend staying with them because their coverage is great. The main issue is the prices and rate increases
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I'm paying a lower rate with Farmers.
Insurance Type
Home
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I chose them because they were the most reasonably priced for the coverage I wanted.
Insurance Type
Auto + Home
Score by category
Original cost2/ 5
Customer Support2/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
They offered me the best / lowest rates for bundling both my auto and home insurance.
Mariah Posey is an auto, home and life insurance editor and writer for Bankrate.com. She aims to make the insurance journey as convenient as possible by simplifying industry lingo and implementing thoughtful content design to provide readers clear answers to their questions.
Director of corporate communications, Insurance Information Institute
Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.
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