Full Review
Farmers earned 4.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

Farmers is the seventh-largest auto insurer in the country. It offers standard coverage choices plus a solid list of extras and discounts.

In addition to car insurance, Farmers sells most other lines of insurance as well as financial products such as mutual funds and annuities.

» MORE: The best car insurance companies

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.
How we review auto insurance companies 

Compare to other insurers
Farmers Auto Insurance
Travelers Auto Insurance
Geico Auto Insurance
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NAIC COMPLAINTS
Fewer than expected

NAIC COMPLAINTS
Fewer than expected

NAIC COMPLAINTS
Close to expected

EASE OF USE
Above average

EASE OF USE
Average

EASE OF USE
Average

DISCOUNTS
Great set of discounts

DISCOUNTS
Great set of discounts

DISCOUNTS
Great set of discounts

BOTTOM LINE
One of the country's largest insurers, Farmers offers a long list of discounts and plenty of ways to customize your coverage.

BOTTOM LINE
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

BOTTOM LINE
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.

How much does Farmers car insurance cost?
Farmers car insurance costs $2,807 per year on average for full coverage insurance. That is more than $650 above the average national annual rate of $2,148. Compared with other large insurers, Farmers’ annual average rates are more expensive than most other companies except for Allstate.

Company

Average annual rate for drivers with a clean record

State Farm

$1,431

American Family

$1,547

Travelers

$1,751

Geico

$2,009

Nationwide

$2,016

Progressive

$2,075

Farmers

$2,807

Allstate

$3,110

USAA*

$1,120

*USAA auto insurance is available only to active-duty military members, veterans and their families.

These rates are for a 35-year-old driver with a clean driving history and good credit with full coverage insurance. Our full coverage rates include liability, comprehensive, collision and additional insurance a state requires a driver to have. These rates are averages, and your price will depend on your driving history, car make and model, location and other factors.

For more information on Farmers car insurance rates, including rates after an at-fault accident or DUI, check out the drop-down below.

🤓
Nerdy Tip
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Read our cheap car insurance article to see average minimum car insurance rates by company and state.

How Farmers’ rates compare

Farmers auto insurance coverage
When you're shopping for car insurance coverage, it's important to understand what coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

Farmers also offers these types of optional coverage:

New car replacement. If your new car is totaled within the first two model years and 24,000 miles of ownership, Farmers pays to replace it with a new one.

Accident forgiveness. The insurer forgives one at-fault accident for every three years you drive without an accident, meaning your rate won’t go up.

Loss of use. When your car is in the shop or totaled after an accident, Farmers reimburses you for a rental, cabs, rideshares or public transit. Most companies’ coverage pays only for a rental car.

Customized equipment coverage. Repairs or replaces custom parts you’ve installed in your car, such as chrome rims or a new stereo system, if they’re stolen or damaged. You must have comprehensive and collision coverage to add this to your policy.

Original equipment manufacturer coverage. Pays for replacement parts from your car’s manufacturer rather than cheaper aftermarket parts if you’re in a covered wreck. OEM coverage is available only on cars that are up to 10 years old.

Rideshare insurance. When you drive for companies such as Uber or Lyft, they typically provide limited liability insurance while their apps are on, with full coverage that kicks in only when you accept a ride and have passengers. Farmers' rideshare insurance extends your personal auto policy to fill in the gaps, providing coverage between rides, so you’re always covered during your rideshare job.

Farmers also offers Flex Personal Auto policies in certain states. Customers with these policies can earn free benefits for safe driving and for being a Farmers customer for a certain period of time. Perks may include:

Accident forgiveness.

Diminishing deductible, which decreases your deductible amount over time.

» MORE: Compare car insurance rates

Auto insurance discounts
Depending on where you live, you might be able to save on your policy by:

Meeting Farmers' requirements for a good driver.

Meeting Farmers' requirements for a good student.

Insuring multiple vehicles with Farmers.

Buying multiple policies with Farmers (bundling).

Being a member of the military.

Belonging to certain professional groups.

Renewing your policy with Farmers year over year.

Driving an alternative-fuel vehicle.

Owning a home.

Having a car with certain anti-theft features.

Paying your policy in full.

Enrolling in paperless document delivery.

Making payments electronically.

Completing a driver safety course (for older drivers only).

🤓
Nerdy Tip
First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.

Pricing based on tracked driving habits
Signal is an app that monitors driving behavior. With it, you receive a score based on your driving habits that determines the discount you'll receive on your next policy renewal. If you have a safe driving score of 80% or better, you’ll also be eligible to enter a monthly drawing where you can win up to $100 in rewards. But be aware, risky driving habits can increase your auto insurance rate.

Drivers who are younger than 25, live in your household and use Signal may earn you an additional discount.

CrashAssist is a particularly helpful feature on the Signal app that uses your cell phone’s sensors to detect when you may have been involved in an accident. If it identifies a potential crash, the app will send you a push notification. And if you confirm you’ve been in an accident, Farmers will alert emergency services.

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ZIP Code
94103
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Complaints and customer satisfaction
Farmers had fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

Farmers received an overall satisfaction score of 76 out of 100 by a pool of its customers in a NerdWallet survey conducted online in June 2022. To put that in perspective, the average score among seven insurers was 77, and the highest was 82.

Farmers had above-average ratings for consumer satisfaction with auto insurance claims and shopping in 2022 studies by J.D. Power, a data analytics company.