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Farmers Insurance: Compare Ratings, Rates, Discounts & Coverages

Farmers Insurance has been in business since 1928, just before the start of the Great Depression. Farmers was started by two men, whose goal was to insure the vehicles of rural farmers and provide quality insurance at a reasonable price. Today, Farmers serves more than 10 million households across all 50 states.

Therefore, it is considered one of the largest insurers in the country. It provides a variety of insurance products and financial products such as mutual funds and annuities.

Farmers aims to offer personalized service and to have a positive impact on the lives of its customers. Farmers says it “not only prides itself on helping you plan wisely for the unexpected, but also on helping restore order when it occurs.”

How much does Farmers car insurance cost?

Car insurance rates can vary drastically from person to person. The reason is because rates are impacted by a number of factors unique to you such as your age, marital status, credit score, where you live and the company you choose. But it can help to look at average car insurance rates to have an idea of the cost.

It's also important to know what car insurance coverage you want and what you are required to buy. The minimum requirements vary by state, however, the basic coverage generally includes liability insurance and uninsured/underinsured motorist coverage. If you want extra protection, it's best to consider full coverage insurance.

In the graph below, you can see the average cost of Farmers car insurance compared to the national average cost of car insurance. The graph is split into four categories: teen driver, single adult, married couple and senior driver.

The average Farmers car insurance rates for teen drivers, single adults and married couples are higher than the national average cost of car insurance. The average Farmers rates for senior drivers are slightly lower than the national average. Please note that these are average car insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect car insurance rates.

Farmers car insurance rates

How much does Farmers homeowners insurance cost?

Just like car insurance rates, homeowners insurance rates also widely differ based on characteristics of you and your home. Factors that affect homeowners insurance include the location of your home, your home’s condition and age, the size and type of home, the crime rate in your area, your insurance claim history and your credit score.

Standard policies include the typical homeowners coverages while Enhanced and Premier policies offer additional coverage such as claim forgiveness, declining deductibles, and cosmetic damage repair.

In the graph below, you can see the average cost of Farmers homeowners insurance compared to the national average of homeowners insurance. The graph is split into two categories: a home worth $200,000 and a home worth $400,000.

The average Farmers homeowners insurance rates for both home profiles are both higher than the national average of homeowners insurance. Please note that these are average homeowners insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect homeowners insurance rates.

Farmers home insurance rates

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What discounts does Farmers Insurance offer?

Farmers prides itself on offering insurance discounts as a reward for safe habits and smart planning.

  • Distant Student Discounts: Policyholders with students who attend school away from home are eligible for a discount with Farmers.
  • Homeowners Discounts: If customers own their own home, they may be eligible for a discount with Farmers.
  • Mature Driver Discounts: Farmers rewards senior, experienced drivers with discounts.
  • Safety Discounts: Vehicles covered by Farmers with standard safety equipment, such as anti-lock brakes and restraint systems, are eligible for a discount.
  • Bundling Discounts: Combining auto insurance with additional policies allows Farmers customers to receive discounts.

What coverages does Farmers Insurance Group offer?

Farmers offers optional car insurance features that you can add to your policy to receive added coverage and features for certain things. You can find Farmers’ optional car insurance coverage below:

New Car Replacement: Farmers offers optional new car replacement coverage. If your car is totaled within the first two model years of owning it and it has less than 24,000 miles on it, Farmers’ new car replacement coverage will reimburse you for the cost to replace your car with a new one of the same make and model, minus your deductible.

Customized Equipment Coverage: Farmers’ customized equipment coverage allows you to get protection for any after-market features you add to your car, such as a sound system or alloy wheels. Customized equipment coverage is available for any vehicle that has comprehensive and collision coverage on its Farmers car insurance policy.

Towing and Roadside Service Coverage: Farmers offers roadside assistance coverage that gives you 24/7 access to service you may need in an emergency including jump-starts, flat tire change, locksmith services if you lock yourself out of your car, roadside winching, towing services to a nearby qualifies repair shop and emergency roadside connect to police, fire and medical assistance.

Accident Forgiveness: With accident forgiveness, Farmers Insurance forgives one at-fault accident for every three years you drive accident free. If you have accident forgiveness protection, one car accident won’t affect your Farmers car insurance premium. Loss of Use: With a Farmers car insurance policy, you have the option to add loss of use coverage, which gives you money for cabs, public transit or a rental car while your car is not able to be driven because of a covered comprehensive or collision loss.

Car Rental Reimbursement: Farmers offers car rental reimbursement coverage as an add-on option that helps you quickly find a rental car and give you free pickup and delivery of the rental car. This coverage helps you pay for the cost of a rental car for up to 30 days if yours is damaged and needs repairs due to a covered loss.

Glass Buy-Back: Farmers’ glass buy-back option connects you with a reputable glass company in your area.

Original Equipment Manufacturer (OEM): OEM coverage from Farmers covers repairs with factory-original parts if your car is damaged in an accident covered by your Farmers car insurance policy. This coverage is available to Farmers car insurance policyholders with comprehensive and collision coverage and a car that it no more than 10 years old.

Farmers allows you to extend your homeowners insurance coverage with optional add-on coverages. Options include:

Eco-Rebuild: Farmers’ Eco-Rebuild coverage can offer you up to $25,000 towards the cost to replace materials and appliances in your home with alternatives that are more eco-friendly after you’ve had a covered loss and your appliances and materials were damaged.

Personal Possessions Coverage: Farmers allows you to extend your homeowners insurance coverage with personal possessions coverage, which offers coverage for valuable items like jewelry.

Contents Replacement Cost Coverage: Farmers offers contents replacement coverage you can add to your homeowners insurance policy. This coverage allows you to receive reimbursement to replace your items with new items of similar quality rather than the cost of what your old items were worth.

Identity Theft Insurance: Farmers Identity Shield helps cover the losses and expenses associated with your identity being stolen. It can help resolve the crime and replace documents.

Farmers Insurance FAQs

Does Farmers offer accident forgiveness?

Farmers Insurance does offer accident forgiveness coverage as an optional add-on to your policy. Farmers will forgive one at-fault accident for every three years you drive and don’t have any accidents. With accident forgiveness, one at-fault accident won’t affect your car insurance premium.

Is Farmers Insurance only for farmers?

Farmers Insurance is not only for farmers — people all over the United States are eligible for insurance from Farmers. Farmers’ name originates from the beginning of the insurance company. Farmers Insurance was originally created to insure vehicles of rural farmers. Now, it offers many lines of insurance products available to everyone.

Does Farmers Insurance check your credit?

Farmers insurance may take your credit standing into consideration when determining prices for your insurance premiums. Most insurance companies do. Your credit score can affect your car insurance rates in all states except California, Hawaii and Massachusetts. It can affect your homeowners insurance rates in all states except California, Maryland and Massachusetts.

Does Farmers cover roof leaks?

Farmers may cover your roof leak, depending on what has caused it. Typically, homeowners insurance policies cover roof leaks caused by covered perils but won’t cover them if they’re caused by normal wear and tear and your neglect to repair or replace your old roof.

More about Farmers insurance

Farmers Insurance Group’s website is a great place to learn more about the company’s offerings. The Farmers site also can connect you with an agent to learn more about Farmers, receive an insurance quote, pay your bill, submit a claim, access roadside assistance and more.

Farmers Insurance offers a mobile app that allows you to have direct access to everything Farmers has to offer, 24/7 through your smartphone. Farmers Insurance’s mobile app lets you view your ID cards, pay bills, view policy documents, set up payment reminders and report a claim.

Farmers also offers Inner Circle, a site that offers tips and insights on all things insurance, including info on changing auto insurance rates, shopping for auto insurance for teens, roadside emergency safety, driving hacks and more.

What states does Farmers Insurance Group do business in?

Farmers Insurance Group sells car and renters insurance in 40 states, homeowners insurance in 38 states and motorcycle insurance in 39 states. See the state Farmers Insurance Group sells in below and click the link to see how Farmers Insurance Group compares to the other top companies in that state.

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