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Foremost insurance review 2025

Updated May 01, 2025
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

4.0
Rating: 4 stars out of 5
Bankrate Score
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Auto

Rating: 4.1 stars out of 5

4.1

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Home

Rating: 3.8 stars out of 5

3.8

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Bankrate's take

Policyholders who need standard insurance, as well as those desiring less common types, such as collectible car insurance or vacant home insurance, may want to consider Foremost.

  • Policyholders can purchase Foremost auto and home insurance products through partnerships with major insurance carriers or directly from Foremost
  • Offers hard-to-place coverage for home insurance, such as mobile homes or coverage for vacant homes
  • Limited digital capabilities
  • Offers various policy endorsements such as gap insurance and rideshare coverage
  • National distribution network of more than 38,000 independent insurance agents

New

What’s new with Foremost?

As of August 1, 2023, Foremost stopped accepting new policies for specialty insurance products in California due to the rising cost of home repairs and increased wildfire risks. This change impacts people looking for landlord mobile home and landlord condo policies and vacant home and renters policies. Foremost also started non-renewing home policies that no longer meet their FireLine new business underwriting guidelines as of October 15, 2023. In mid-2024, the company stopped underwriting and renewing homeowners insurance policies in Texas. Foremost cited the reason for the change as “our exposure and risks relating to natural and catastrophic losses.”

Foremost car insurance review

Foremost auto insurance may be ideal for customers who have trouble qualifying for car insurance with traditional carriers. As part of Farmers Insurance Group, Foremost underwrites its own policies and offers insurance through affiliated partners.

Foremost car insurance is available through several partner companies, including Bristol West, Coast National, Economy Preferred and Security National. Foremost's auto insurance includes all the standard car insurance coverage types, plus many add-ons like rental reimbursement, roadside assistance, rideshare coverage and gap insurance.

Partner company Bristol West specializes in high-risk car insurance for drivers who may have trouble finding insurance with standard car insurance carriers. Bristol West can also file an SR-22 or FR-44 for drivers who require it.

One thing to remember is that Foremost partners with so many different carriers it can be hard to know what level of service you may receive. Foremost has an Auto Bankrate Score of 4.1 but is not ranked with J.D. Power for customer satisfaction and has a higher-than-average amount of customer complaints filed on the National Association of Insurance Commissioners (NAIC) Complaint Index.

Pros and cons of Foremost car insurance

The best auto insurance company for you may vary based on your needs and preferences. The advantages and disadvantages of Foremost car insurance that we’ve outlined below may help you decide if it's the right carrier for you.

Green circle with a checkmark inside

Pros

  • Many add-on coverage types available
  • Options for high-risk drivers may be available
  • Multi-policy discounts available even with partner companies
Red circle with an X inside

Cons

  • Policies underwritten by partner companies may have varying coverage options and discounts
  • Mobile app does not allow for claims filing
  • No online quoting available
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Foremost car insurance cost

Foremost’s average auto insurance rates are much higher than the national average cost of car insurance. Based on May 2025 data provided by Quadrant Information Services, Foremost's average premium is $3,427 annually for a full coverage policy and $1,602 annually for minimum coverage. In contrast, the national average is $2,692 for full coverage and $808 for minimum coverage.

How much is Foremost car insurance?

One reason Foremost may not have the cheapest car insurance rates is that it writes policies for some high-risk drivers. Typically, drivers who have a speeding ticket conviction or an at-fault accident on their driving records can expect their car insurance rates to be higher. Below, you can see average Foremost rates for drivers with different profiles. These are an average based on a sample population, so your rates will likely differ.

Note that not all carriers will write policies for drivers with multiple tickets or DUIs on their records. For more information about your personalized rates, you can request a quote from Foremost.

Good driver, good credit
Foremost full coverage premium
$3,427
National full coverage premium
$2,692
Foremost full coverage premium
$4,092
National full coverage premium
$4,731
Foremost full coverage premium
$3,714
National full coverage premium
$3,286
Foremost full coverage premium
$6,252
National full coverage premium
$3,875
Foremost full coverage premium
$4,383
National full coverage premium
$5,247
*All rates displayed are average annual rates.

Foremost car insurance quotes by age

Younger drivers typically pay higher car insurance rates, even when added to their parents' policy, because of their lack of experience behind the wheel. Below, you can see how average Foremost rates change as drivers age. The rates below are for young drivers on their married parents' policy and adult drivers on their own policy. All rates are for drivers with a clean driving record.

Foremost full coverage premium
$6,958
National full coverage premium
$5,768
Foremost full coverage premium
$7,052
National full coverage premium
$5,170
Foremost full coverage premium
$6,128
National full coverage premium
$5,459
Foremost full coverage premium
$3,903
National full coverage premium
$3,320
Foremost full coverage premium
$3,524
National full coverage premium
$2,874
*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.

Compare Foremost car insurance rates

Car insurance rates vary between policyholders due to different driving characteristics, but rates can also vary between insurance companies based on how each carrier underwrites for various risk factors. Foremost auto insurance averages 27 percent more than the national average cost of full coverage car insurance, but that might not be the case for you. Comparison shopping your car insurance rate and coverage limit can help you find the carrier that suits your driving profile best.

$3,427
$1,602
$2,891
$958
$2,210
$718
$3,310
$951
$2,068
$597
*All rates displayed are average annual rates.
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Get personalized auto insurance quotes

Answering a few quick questions to check your availability with Foremost
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Foremost home insurance review

Our editorial team awarded Foremost a Bankrate Score of 3.7 for its homeowners policies. To determine the Bankrate Score, we assessed Foremost’s affordability, availability and more, along with the carrier’s ability to meet claims obligations.

Foremost stood out for its home insurance options, specifically the fact that it insures seasonal and vacant homes, which many home insurance companies do not. Its standard home insurance is customizable with a long list of optional add-ons, including home-sharing coverage, scheduled personal property, water backup coverage and extended replacement cost. Foremost also offers flood insurance as a separate policy underwritten through the National Flood Insurance Program.

Not all Foremost home insurance policies are underwritten by the same company, and coverage options may not be available in all states. Potential policyholders may want to speak with a Foremost agent about availability in their area. Unlike its car insurance, Foremost's home insurance product does offer online quoting. However, quotes are sent via email within two to three business days.

Pros and cons of Foremost home insurance

If you're trying to narrow down your home insurance options, it may help to compare pros and cons across companies. Here are some of the key perks and drawbacks we identified with Foremost homeowners insurance.

Green circle with a checkmark inside

Pros

  • Many endorsements available for potential policy customization
  • Flood insurance policies available through the NFIP
  • Seasonal and vacant home insurance options
Red circle with an X inside

Cons

  • Coverage options and discounts may vary by state and underwriting company
  • Home insurance not available in all states
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Foremost home insurance cost

The May 2025 annual average cost of home insurance with Foremost is $3,344 for a policy with $300,000 in dwelling coverage according to Bankrate’s research. This rate is 44 percent more than the U.S. average, which is $2,329 per year for the same amount of coverage. To find the cheapest homeowners policy for your needs, you may want to request quotes from several insurers.

$150K dwelling
Foremost average premium
$1,659
National average premium
$1,437
$300K dwelling
Foremost average premium
$3,344
National average premium
$2,329
$350K dwelling
Foremost average premium
$3,884
National average premium
$2,600
$450K dwelling
Foremost average premium
$4,962
National average premium
$3,141
$750K dwelling
Foremost average premium
$8,223
National average premium
$4,437
*All rates displayed are average annual rates.

Compare Foremost homeowners insurance rates

Home insurance rates differ between carriers based on how they evaluate different perils and homeowner profiles. Some insurance companies, like Foremost, specialize in unique risks like modular homes and vacant property. Homeowners may still find this kind of coverage with other carriers, but it might not be priced as well and vice versa.

$3,344
+ $1,015
$2,102
- $227
$2,243
- $86
$1,253
- $1,076
$2,700
+ $371
Bankrate and Coverage Logo

Get personalized home insurance quotes

Answering a few quick questions to check your availability with Foremost

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Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure

Compare Foremost with other insurers

Insurance companies do not offer one-size-fits-all products, so it may be important to compare providers to find the right fit for you. If this review of Foremost suggests that it is not the right carrier for you, you could consider one of these insurers.

Badge Icon Featured

Foremost

Foremost
Rating: 4 stars out of 5
4.0
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Farmers

Farmers
Rating: 3.7 stars out of 5
3.7
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Erie

Erie
Rating: 4.2 stars out of 5
4.2
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OVERVIEW
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Policyholders who like to keep their insurance products under one roof may appreciate Farmers’ vast coverage options, from pet to commercial insurance. However, Farmer’s insurance rates tend to be on the higher side, so they might not be a good fit for every budget.
Read More
Erie may be a good insurance option for those who value quality customer service and affordable rates. However, Erie is only available in 12 states and Washington D.C.
Read More
STANDOUT FEATURES
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Briefcase Icon
Local agents available
Car Guide Icon
Enhanced coverage options
Online Reviews Icon
Robust digital tools
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High customer satisfaction
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Rate Lock
Mortgage Icon
Guaranteed dwelling replacement
AVG FULL COV. AUTO RATE
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$3,283 $2,206
J.D. POWER AUTO SCORE
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706/1000 733/1000
AVG HOME RATE
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$2,506 $1,728
J.D. POWER HOME SCORE
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676/1000 705/1000
AM BEST RATING
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A(Excellent) A+(Superior)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

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 Foremost a good insurance company?

When analyzing Foremost insurance reviews by third-party rating companies, Bankrate discovered Foremost was not scored by J.D. Power. It does, however, have a strong financial strength rating from AM Best, and some of its underwriting companies (like Farmers) received average scores per J.D. Power for claims satisfaction.

In addition, Foremost’s National Association of Insurance Commissioners (NAIC) Complaint Index is a mixed bag based on the underwriting company available in your region, so prospective policyholders may want to speak with existing customers for more feedback on their customer experience.

While Foremost does not offer life insurance, the carrier offers less common vehicle and property insurance options that could appeal to high-risk drivers or those with non-traditional insurance needs.

What are real-life customers saying about Foremost?

One of the best ways to understand if other policyholders are happy with their insurance carrier is by asking them. Online review platforms are a modern-day take on word-of-mouth advertising. Sites such as Reddit or Quora can provide insight on claim payouts and customer service interactions that you can only get from people who have put insurance companies to the test.

Getting helpful reviews for Foremost is more challenging than it is for other insurance carriers. Since Foremost can be sold and serviced through various partnerships across the country, the level of service policyholders receive is inconsistent and indistinguishable from the agency that sold the policy and Foremost itself. We want to provide you with recent feedback; however, most of the reviews dated within the past year focus solely on how much the cost of insurance with Foremost has increased and that they have started non-renewing policies in California. While those are valid concerns, most insurance companies have taken fairly large rate increases over the past few years, and many are leaving high-risk states.

One common theme we can comment on is the repeated mention that policyholders felt that they were not communicated with in a fair and timely manner. This refers to claim handling, rate increases and policy nonrenewals.

Foremost company details 

You can reach out to Foremost directly or through one of its partner companies, depending on how your policy was issued. Here are the key ways to communicate with Foremost and manage your policy:

Foremost 

  • Website: foremost.com
  • Customer service: 1-800-527-3905
  • Claims: 1-800-527-3907 or myclaim@foremost.com
  • Foremost Signature claims: 1-800-854-6011
  • Mailing Address: Foremost Insurance Group, P.O. Box 0915, Carol Stream, IL 60132-0915

Partner companies

  • AARP customers: 1-800-752-2461
  • AARP claims: 1-800-752-2461
  • Bristol West customers: 1-888-888-0080
  • Bristol West auto claims: 1-800-274-7865

State availability

Foremost is licensed to sell insurance policies in all 50 states and Washington, D.C. However, products offered and underwriting companies may vary by state. Contact a Foremost representative for a specific description of products available in your area.

Foremost tools and benefits

In addition to basic car and home insurance, Foremost offers other insurance products, as well as tools and other perks that may help policyholders better manage their insurance coverage. Here are some of Foremost's other offerings:

  • Other types of insurance: Foremost offers a wide range of insurance products covering nearly every type of home and vehicle. Customers may be able to find policies for motorcycles, boats, RVs, trailers, luxury vehicles, golf carts, commercial vehicles, snowmobiles and more. Home insurance options include mobile homes, vacant homes, seasonal homes and condominiums.
  • Educational articles: Foremost also has a learning center with articles on common queries. Featured topics include how to buy a snowmobile, fireplace safety, cleaning mobile home siding and winter driving tips. It also has articles, especially for older customers in the AARP Center, that help you learn how to spot a scam and more. 
  • Severe events center: Policyholders have access to an online resource that allows them to report claims, track wildfires and learn more about how to handle emergency situations, such as hurricanes and wildfires.
  • AARP program: Foremost has special mobile home and motorcycle insurance policies for AARP members. You can get quotes online or over the phone.
  • Mobile apps: You can download free Foremost Insurance apps from the App Store or Google Play to manage your coverage. These apps allow you to view and pay your bill, view your ID cards and read your policy.

Frequently asked questions about Foremost insurance

Methodology

Rates

Bankrate utilizes Quadrant Information Services to analyze May 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: 

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
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

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
 
30% Coverage & savings
 
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.

What policyholders are saying about Foremost

CTA Foremost has 50 reviews

Foremost has 50 reviews

Dive into community reviews below and see what others think about Foremost.

4.0 Star Icon
50 ratings
70% of consumers
recommend this insurer
Score breakdown
5 stars
42%
4 stars
28%
3 stars
22%
2 stars
4%
1 star
4%
Score by category
Overall rating 4.0 / 5
Original cost 3.8 / 5
Coverage 4.0 / 5
Customer Support 3.9 / 5
Verified Badge Icon 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 Foremost.
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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.
They have good customer service support team and provide appropriate response to consumers
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 3 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Only Insurer that would cover double wide
Insurance Type
Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 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 am considering looking for a lower cost/same coverage comapny
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 3 / 5
Coverage 4 / 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.
Very reliable and they will cover the damage almost in all cases
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 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.
It's cheap and available in my area
Insurance Type
Home
Score by category
Original cost 3 / 5
Customer Support 3 / 5
Coverage 3 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I’ve recently started using this company and I am so far happy with their service and cost.
Insurance Type
Home
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I chose Foremost 22 years ago because they were one of few that would insure my home at the lowest prices.
Insurance Type
Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 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.
Price raising. I heard they are going up on the process this year.
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 2 / 5
Coverage 3 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Because they are great! My family recommend which ended up being great advice!
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 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.
Their customer service team is always polite and helpful, I wouldn't want to lose that.
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 4 / 5
Coverage 5 / 5
Written by
Shannon Martin
Bankrate Insurance Expert | Writer, Insurance
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Edited by Editor II, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute