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Farmers Auto Insurance

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Last updated: Oct. 16, 2017

356 Farmers Auto Insurance Consumer Reviews and Complaints

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Verified Reviewer
Original review: Oct. 16, 2017

Would like to make a complaint against Farmers Insurance. Claim Number **. My car was damaged at a restaurant from a lawnmower throwing rocks and grass on the hood of my brand new Mercedes. The restaurant manager came out and told me that her employee was cutting grass and not paying attention to what he was doing and apologized and said she saw the damage and would file a claim with her insurance (Farmers Insurance) company and just kept saying she was sorry. After a couple of weeks of me calling the insurance company a Mrs. Katrina ** finally called me and said to go get a couple of estimates and send them to her. I did and they was around $1800.00 dollars. Farmers was not happy with the estimate so they hired an appraiser to come and look at my car since she was in Tennessee. He came and said it looked like it was all prior road rash.

So Farmers Insurance said they would offer me $750 for my troubles and then wanted me to file a claim with my insurance to get my car fixed. I did not do this because I didn't want my rates to increase. I had to pay the difference for this terrible company that beat me out of over $1000.00 dollars. Very rude and obnoxious lady. Katrina ** phone number is ** or **. I had to go ahead and accept the $750 to get my car fixed. But I felt that a bad remark should be filed against these folks. Insurance companies are giants that do as they please and just treat people how they like. TERRIBLE.

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Verified Reviewer
Original review: Oct. 13, 2017

Received a quote from Farmers on insurance to replace my current policy, where the rate was going up excessively. In filling out their online form I was asked if I had any violations in the past 3 years. I answered yes, selected "minor violation", and went on. Farmers' initial quote was great; in line with other insurers. Then, when I went to activate the insurance they stated that I had a violation and my rate was actually 40% higher than what they had quoted. When I asked why they offered the initial quote, I discovered that they always operate this way, offering a quote without checking your driving record, then raising the price when they finally do! When I inquired as to why they had offered the quote at all instead of just saying that I needed to talk with an agent, they stated that "all insurers do this." Apparently, that makes it OK in their minds! Then they came back with an even higher rate a few days later!

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    Verified Reviewer
    Original review: Oct. 5, 2017

    When I searched for Auto Insurance, I turned down State Farm again, they went from $800.00 per year to $1,300/year... Farmers told me, there is charged in (6) Months, and they wanted to withdraw my payment from my Checking... THE TOTAL AMOUNT OF AUTO INSURANCE WAS NEVER DISCLOSED, SO, I have paid over $1,000 to $1,300 this year; 2017. Now it's been 11 days since I canceled them on Sept 21st/17, and I think they're Holding out (Scammers) on my $335.00 Refund. I just learned they were deducting from my Checking $362.00 every three months, totaling = $1,448... I haven't checked in the Past Years, but this non-disclosure scam by Farmers has been going on for years now, making me pay $1,100 to $1,500 per year, against my word.

    Verified Reviewer
    Original review: Sept. 28, 2017

    I see many reviews here showing Farmers as raising rates, not covering claims, etc... I had to write to share my experiences. I have had numerous claims with Farmers and have never had a negative experience. I've had Home and numerous auto claims. Yes, rates have gone up in the 15+ years I've been with them but not how some write. My current auto claim is regarding my 1998 Acura which I am totally at fault and am still having a positive experience. Farmers has always been attentive and helpful with each and every claim I have had. There may be times where I don't get a response same day, but has never been outrageous in time taken to get back to me.

    In regards to my current claim, my auto shop where my work is being done, stated to me that in his many years of experience Farmers is by far the best insurance to deal with! I have had to take the responsibility to do some research on my own to get the value I feel is appropriate but I don't see that as out of the norm. ANY insurance customer should be doing their own research on value of their vehicle in a total-loss situation. If you expect any insurance company to give you top dollar for your vehicle, you are mislead or misinformed. We, as customers, have a responsibility to pay attention to all claims, adjustments, offers, terms and conditions, etc. Farmers has been a great company to work with and have to cover my home, life and auto policies.

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    Verified Reviewer
    Original review: Aug. 16, 2017

    Wife had a minor car accident recently. A car swapped her in a cross lane. Reported to Farmers our insurance. They would not accept witness statements that we're in the car at the time of the accident. Farmers wrote the final accident report before ever seeing the actual police report. No one ever came out to talk to us about what happened. Something seems to be wrong about that kind of assessment. We are looking for another auto insurance company now. The police report did decided against my wife, but Farmer did not know that at the time they wrote their report, and did not seem to care. If they will do this with our Auto insurance, we wonder about our homeowner insurance with them.

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    Verified Reviewer
    Original review: Aug. 16, 2017

    I was involved in an accident in Panama City Beach. Their client pulled out in front of me totaling my car. After giving their rep my statement 2 days pass and I call and they had not gotten in touch with their client. I was told they allow their client 2 weeks to respond. I had to call my insurance company to get a rental for the first week and pay 20% out of pocket. After arguing with the agent she finally called the next day to tell me she had talked to their client and she had accepted responsibility for the accident. The 4th day after the accident a rep called and wanted to know where my car was towed to, the agent had refused to take that info beforehand. The next day she called to tell me I needed to release the vehicle to her so they could move it to their lot and avoid storage fees and I immediately called and authorized the release.

    A claims specialist called me the following week and told me they had valued my car but when I looked over the paperwork I notice the valuation was on a GS model, not the GT Limited that I owned. They also had not included the out of pocket for the rental I incurred. Also I ask for 2 days hotel since I spent 2 days dealing with the aftermath of the accident and not my vacation and ask them to consider partial reimbursement for a $3000 paint job I had put on my car less than a year before the accident and I faxed all the receipts to them. After 2 more days I called and the specialist I was dealing with had a message that said he was out of office for 2 weeks.

    I was transferred to someone who never heard of me and didn't know anything about my claim. After giving her my claim number and explaining the valuation of the GS compared to the GT and the paperwork I had faxed, she couldn't find it and I had to go and refax it. Two more days pass and I get a letter from the towing company that they still had my car and the charges were $238 and accumulating and my car would be sold at auction the first of the month if it was not picked up. I called and left 2 messages for someone to call and explain why I had released the vehicle on the 4th and it was still at the storage yard on the 15th. I finally got a call, but they didn't answer the storage question, and only offered me $80 more than their last offer. They had not taken the hotel bill of $298 into consideration, nor the $3000 paint job, nor revalued the car from a GS to the GT.

    The accident was on July 31st, this is Aug 15th. I still don't have a car and have to look for a way to work and back home. They allowed me a week of rental after my insurance paid my first week but told me if I wanted it longer I would have to pay out of pocket, it wasn't their responsibility. They only allow 1 week after declaring a car totaled, even though they have made no effort to help me get a fair settlement so I can get another car. Now I am in a position to have to take what they want to give me since I was not injured and a lawyer would not make much off my case and I would have to pay the lawyer out of my pocket. Insurance isn't fair even if you are not at fault. My insurance tells me I can file a claim through them but I will have to pay the deductibles and since I file a claim my rates would go up. So unfair to someone who was not at fault.

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    Verified Reviewer
    Original review: Aug. 15, 2017

    I have been a customer with Farmers for about two years now. I bundled home and auto insurance to get the best deal. Since then, with every renewal my premiums have consistently gone up, for both policies!!! It's ridiculous! I have no claims for either policy! I pay in advance. The only explanation I get is that it is a state wide increase! Lame! None of my friends or family have had this problem! I have had enough!!! Apparently they value the extra money over customer satisfaction. They are really deceiving!!!

    Verified Reviewer Verified Buyer
    Original review: Aug. 11, 2017

    I was hit by a tornado December 2015, it took about a year to have the building that was destroyed replaced. I start to replace contents, and I am told since it has been more than a year since the first payment, they will not reimburse me for depreciation held back on contents I hadn't replaced yet, since I took too long to replace items (I had nowhere to put them). I did not try to add to the claim, just get depreciation held back for items already in the claim. Farmers will look for any reason not to pay you

    Original review: July 28, 2017

    I have been a resident of AZ for four months. Things are slowly getting settled. One of the things I needed to do is acquire auto insurance. I am well aware that the state of Arizona requires all drivers to have auto insurance. That is why I applied for insurance, at Joe ** Farmers insurance. I was GIVEN A CHOICE. As to how I wanted to receive my statements. Internet, text, or paper mailed. I chose paper mailed.

    That was not what he wanted. I chose to have my statements sent monthly. He didn't like that either. So, statements come randomly. Very recently I went online at the AZdot website to seek help/information about what I have the power to do about this. I found this agent online posting slanderous statements about me. The statements are gone, but I can't unsee that. Now recently I have been communicating with Rick ** at the Farmer's relations rep. The slander issue has already been swept under his rug too. To the best of my knowledge there is no law that says I have to accept poor, sloppy service.

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    Verified Reviewer Verified Buyer
    Original review: July 24, 2017

    On my father's behalf. His vehicle stolen 3/16. They found the car in a lake. He has complied with all request. To date 1 1/2 years later he is still making his $360 payment and the car was auction off by yard because Farmers neglected to get it. He's still making his premiums and his car payment! No response from the claims adj Casey **, his Supervisor Kristine or the Manager Andrew **. I feel they have neglected my father and now no one wants to be accountable.

    Verified Reviewer
    Original review: July 16, 2017

    I started with Farmers Aug of 2016 for my auto and homeowners after checking prices and they would save me money from my other company I was with, big mistake. As of this Aug 1 year later my auto insurance went up 30% than when I started. That is 190.00 a year more, My homeowners went up 14% 72.25 more in a year, I have not no claims no late payments. I pay auto every 6 months and my homeowners every year. I will be searching for a new carrier.

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    Verified Reviewer Verified Buyer
    Original review: June 20, 2017

    I have had a terrible experience with Farmers insurance. I was struck by one of your customers, resulting in a total loss of my vehicle. So far in my claim, the representatives and policies have been awful. My assigned representative, Kyle **, has been difficult to contact and unhelpful with questions. Following initial contact, I have constantly been told "there is an issue with coverage" on the part of the other party. I couldn't get a specific answer.

    It took two weeks after the accident for any kind of progress to begin. I had to rent a vehicle out-of-pocket. When the claim finally moved forward, I was referred to an Enterprise branch that would bill Farmers directly. This particular branch wouldn't give me a rental unless I purchased insurance through them, which is not covered with Farmers. At that point, I'd returned my previous rental and was at the Enterprise office with no other ride. If I'm going to be referred a rental agency branch, it shouldn't be one that requires an out-of-pocket expense. This may not be significant for a large company, but I am a college student with no income. This is terrible customer service from management down to the representatives. I am requesting that I receive some kind of compensation, at least reimbursement for out-of-pocket insurance that was required.

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    Verified Reviewer
    Original review: June 16, 2017

    After looking at Farmers website, I tried to use the contact page but after 30 minutes of frustration, gave up and just called the number for the Elsinore, CA agent listed. Never got a call back, so I FINALLY called again. He answered his own phone (hmmmm...) and when he realized who I was, it became the weirdest call to a business I had ever engaged in. He was rude, unhelpful and reminded me why I've never used Farmers for a good reason: they have never helped me in any insurance need... EVER! He verified that their website lies about what they even cover!!! I don't know why they are still in business, especially gauging my experience on the moron in Elsinore! If this is who they employ, they are in real trouble. Bump da dump dump, indeed.

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    Verified Reviewer Verified Buyer
    Original review: June 13, 2017

    I tried getting ahold of my agent and the company to cancel my policy. At first I was just going to take a car off. But after 6 hrs of getting nowhere, I was very annoyed. It's bad the hoops you have to jump through to cancel. And how the agent doesn't call back when before she would call back in minutes. Now more than 36 hrs later I still have not heard from her.

    Verified Reviewer
    Original review: June 9, 2017

    Have not had a great deal of contact (no claims since we have become a consumer) but like being able to talk personally to a representative who appears to understand our needs. However, I do think that pricing needs to be more competitive and discounts more expanded for people w/o claims or long term customers.

    Verified Reviewer
    Original review: June 8, 2017

    Be diligent when shopping for insurance and check reviews for carriers for a while before enrolling. Cheaper is not always better. Had insurance and was going to transfer to new vehicle when they dropped coverage on vehicle I was driving. Got hit by a kid running stop sign. Insurance denied coverage and my vehicle was totaled. Was very upset and went to another company. That company was no better. Allstate did not repair my vehicle satisfactory. At that time agent was disgraceful. Now I have a good agent that works for me.

    Verified Reviewer
    Original review: June 6, 2017

    My wife backed into a low post in a parking lot and dented the right rear of the car. We filed a claim with our collision insurance (21st century) and 2 months later, the insurance premiums cost three times as much as before (tripled)! So filing a claim was cumbersome and slow but eventually successful.

    Verified Reviewer
    Original review: June 5, 2017

    While visiting my daughter the Beaverton, Oregon area, she borrow my car and hit a low stump while backing up in our complex, and when she went to put in a claim to her insurance GEICO, we discovered that the claim had to go thru my insurance company, Farmers. My frustration came when trying to get guidance on who would be the best repair shop to take my car into. No one would make any kind of commitment on whom to take it to. Another matter on the replacement of the car door is that when I purchased my car a year and a half before the accident, I had a special coating on the car to keep the paint looking like new and was not able to find any shop or dealership in the Portland area that could help me. I finally made a decision with help on comparison reviews and paid my deductible.

    I feel they should have a good knowledge on the Auto Body repair shops they have approved and could have given some guidance. I will say this, Farmers never once quibbled over the final cost as the passenger door had to be completely replaced as will as the under carriage, all with new parts. The auto body place did all the dealings with Farmers which I am thankful for.

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    Verified Reviewer
    Original review: June 4, 2017

    Buying insurance can be a daunting search for the cheapest cost while trying to get the most coverage. We've been with quite a few insurance companies, we were always able to find better coverage elsewhere. When we started with Farmers they always reviewed our policies when it came time for renewals. At those times we would check with other insurance companies to compare rates, no other insurance company could match what we were paying for our coverages. We still check on our coverages and still not one company can cover us for what we are paying at Farmers. We are fortunate to have the agent we are with now. We only have to call for information on our policies, our Farmers agent always makes everything simple and easy.

    I filed a claim when my windshield was damaged. Farmers Ins Claims had responded by informing me that I was only covered for $330.00 for replacement on my 2 year old vehicle and I agreed. My windshield from the Dealer was over $900.00 installed. It was a special windshield because of all the options on my vehicle. My agent got Farmers to pay me $819.00 for the windshield from the dealer because I had full coverage on my vehicle, nice, we really appreciated what our agent had done. They even reviewed our policy, gave us better coverage for $160.00 cheaper a year on our policy. We've been with Farmers for over 30 years and every time we check the cost and coverage with other insurance companies, they could never give us the same coverage for what we are paying at Farmers. We feel very fortunate.

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    Customer increased Rating by 2 stars!
    Verified Reviewer
    Original review: June 3, 2017

    Farmers is the worst insurance company ever, I wish I could give them no star. This is joke. I have been with Progressive which I thought was okay and then GEICO that was far better in customer service and pricing that I really liked. I moved to these scammers ** head Farmers Insurance few months ago after I bought a house and somehow was looking for a home insurance and I ended up switching my auto to them also. Biggest mistake. They are very rude, they don't return your calls or emails, they don't care how long you wait and they just not what you will expect from a tradition insurance as I have had with GEICO and Progressive.

    It's been weeks and half and my I have not still gotten my in the shop. My car was scratched on the door by an unknown person or car and I called it in. The claim adjuster took roughly 3 days to get back to me and then went on vacation for days where I was not told nothing. I called her before she went on vacation and she did not get back to me even after she got back. I called her and her supervisor all the time and did not hear nothing back. The adjuster name was **. When I called customer service they told me that the inspector was busy with other work before me and did not have time to see my car until the following week. Are you serious, you telling me that you only have one inspector for an entire state that will serve me when she is free.

    GEICO and Progressive that I have with have someone there the next day or so. All of the money I pay for my insurance on time and every month that they only have limited people working. It is too stupid to even believe. Then they have a private inspector to call me to ask questions. This guy keep stalking me going to all of my addresses looking to talk to me and going to my girlfriend house to do some detective work. I'm not sure what work he is doing if the car was only scratched on the street by an unknown. I still have not have my car look at as of now. Stay away.

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    Verified Reviewer
    Original review: June 3, 2017

    A car in front of me hit a tire in the road and knocked out my headlight. My insurance broker was very helpful. I'm getting a rental till it's fixed. Then we are lowering my deductible and it's only costing me 1.00 more a month for a 100 deductible. Farmers Auto have always been good to me. However, they could be a little cheaper.

    Verified Reviewer
    Original review: June 1, 2017

    It's easy to submit a claim, but it's hard to get paid. First it's insurance. Second when you file a claim they make you feel guilty for using it. Hard to deal with same person twice. Not my ideal company. They boast about customer service, but that's only when you pay your bill.

    Verified Reviewer
    Original review: May 31, 2017

    Farmers vigorously defended us against the bogus claim! A small claim, bumper hit while parking. However fees keep increasing despite lack of any claims. Waiting for more opportune time to switch to other insurance; friend had bad experience with Farmers' legal division on a claim settlement with another Farmers' insured.

    Verified Reviewer
    Original review: May 30, 2017

    Been with them for years. My family as a whole has been Farmers customers, multi-generational. We stay because the stellar customer service but not so much the price. So if you're looking for cheap insurance. This isn't the company but what you will get is a agent that almost becomes part of the family.

    Verified Reviewer
    Original review: May 28, 2017

    Getting into an accident is not fun but Farmers Auto is a good insurance company. I call, they listen and are very willing to work us. They help you through it. I just called my insurance person and they gave me the number to call and they asked me who I was going to use. Between the repair shop and the insurance company and me we got everything done on the car.

    Verified Reviewer
    Original review: May 27, 2017

    My engine went out on car and I was thinking Farmers Insurance. I talk to the guy at Farmers and I remember the engine freezing up. The guy at Farmers my agent had documents that are confusion. I don't have them documents now that someone taken them alone with my computer and other important paper work so Farmers will not be a insurance I get again. I said to the guy it shows on contract my insurance covers engines, body work etc that others have done to my car. If I did it then I would agree with agent on phone. So Farmers gets a 1 PERIOD for misleading information in contract where it was clear that as long as I did not the one put water or other in my oil to make engine bad and I did not. Bottom line it was done because I would not give people free rides. Might sound funny yet 100% truth.

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    Verified Reviewer
    Original review: May 26, 2017

    It's a great insurance, but some agents don't have time for you. Also it's very pricey not only due to your record but also, depending on your city and states, prices may vary.

    Verified Reviewer
    Original review: May 25, 2017

    It took me some research to find Farmers Insurance and their very reasonable rates that they offered. When my husband and I took a driver safety course at the library to reduce our rates and to improve our driving skills, I faxed in the certificates verifying that we had completed the course. I contacted Farmers Insurance a week later to verify receipt of same. They had indeed receive them only to tell me that we were only saving $1.28 off of our premiums! I knew this couldn't be right because I was under the impression that we were to save 10 percent off our premiums. Luckily, after a few more moments of holding time, that was straightened out.

    Farmers is more reasonable than other auto insurance companies, particularly for imperfect drivers. I've managed to save some money off of our premiums by setting up payment on auto pay. It took a while to get some answers from them. A lot of times I couldn't get through to my local agent, and processing claims took a couple of hours of calling back-and-forth, but the representatives we spoke with were very courteous and professional and it went pretty seamlessly. Farmers Insurance is still awaiting a response from the other party to pay their portion of the responsibility for the claim.

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    Original review: May 11, 2017

    I filed a claim against a Farmers' customer because she backed into my car. I was told within 1 business day I would be contacted. 36 hours later I called in and my claim was transferred to another agent. I was told by the first agent that they are too busy. After speaking with the second agent, Tammy, she said she was busy and was my responsibility to keep my damages in line and I could file a claim against my own insurance. I told her that her customer backed into my car and broke out a tail light. Tammy said again that I can have the car fixed myself. If you have a claim with Farmers, please be aware of the lack of service that they provide.

    Verified Reviewer
    Original review: May 8, 2017

    On March 28th, 2017 I was rear-ended and the other insured driver has Farmers Insurance. The police crash report was available the same day so I started a claim with his insurance and emailed the claim. Mind you I was leaving on a cruise from Florida on April 5th, 2017 and would need a vehicle to drive from my hometown of Gainesville, GA to Florida so I was really needing to get this going hoping they would provide me with a rental care. Luckily my vehicle was driveable. I waited until March 30th, 2017 to call Farmers to see what was going on with the claim and if it was even started. I explained what happened to the agent and my need for a speedy process due to my trip but my agent wasn't at all helpful. She only told me that she reached out to the insured and cannot go further until he returns her call. I called again for the next day for update and my agent was out of town.

    I left for Florida and called again after I returned from my cruise on April 5th, 2017 and again my agent was out of town and unsure when she would return. I downloaded the app to help with the claim process and was estimated damage of $3,723.74, when I took my vehicle to a garage for an estimate it was over $6000. Once Farmers gave me the estimate they sent a check in the mail. I called and told my agent that I had it inspected myself and it was over $6000 and the check they were sending me for $3,723.74 wasn't even half of what damage was estimated.

    Once I told her I was going to their preferred collision repair she changed her tone and called the garage and got me set up for repairs. Again, I had to wait to get repairs, my agent was always out of the office and didn't listen to anything that I had to say, she didn't explain anything and even when I had questions she wouldn't answer them and was very unpleasant and then to get rid of me sent me a check that was WAY under what the actual cost of repairs were. The actual cost of repairs was over $8,000. I have received no follow up calls. Of course I didn't have a choice but to work with them and maybe because I wasn't their customer and paying them but I hope I will not have to deal with them ever again!

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    Farmers expert review by Matthew Brodsky

    Farmers Auto Insurance is one of the oldest operating auto insurance company in America. The company is based in Los Angeles, CA, but it offers insurance across the U.S.

    • Free fast quote: Farmers offers customers the ability to enter their information and get a free quote online, so they can know how much they would expect to pay for coverage.
    • 24-hour customer service: The company provides 24-hour customer service, so customers can receive help any time of day that they need it.
    • Additional coverage options: Farmers offers policyholders unique additions to their policies, like Incident Forgiveness, which allows you to have small infractions and incidents that don't raise your premium unless a claim is filed.
    • Convenience options: Customers have access to convenient automated and online functions from the company, like automated bill pay, paperless billing and a mobile app.
    • Homeowner discounts: Farmers offers homeowners discounts on their auto insurance policies.
    • Best for: New drivers, parents who drive children, drivers who just purchased a new car and homeowners who drive.
    Profile picture of Matthew Brodsky
    Matthew Brodsky

    Insurance Contributing Editor

    Matthew Brodsky is an established expert on insurance, having written hundreds of articles and other pieces of content on the subject, interviewed countless practitioners, and attended dozens of conferences and events. He served as an editor at industry magazine Risk & Insurance for six years.

    Farmers Auto Insurance Company Information

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