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Farmer’s Auto Insurance offers a variety of coverage for every stage of a driver’s life. Positive reviewers appreciate the customer service and level of coverage and say that the reliability is worth the potentially higher cost compared with other companies.
- Roadside assistance available
- More coverage than competitors
- Offers add-on options like New Car Replacement and Accident Forgiveness
- Personalized service and local agents
- Offers discounts for safe driving, defensive driving courses and more
- Some customers were charged fees on top of premiums
- Rates may increase year over year
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Farmers Auto Insurance has been really good so far. They always respond quickly, care about my issues, and work very reliably. Overall I feel very comfortable to have their insurance policy.
2. They care about the car accident reasonably. They cared about my inconvenience. Everything was very smooth. Towing, Renting, Body shop, Appraising, Claim compensation. Farmers cared so well, so it protected me from dramas (the other driver's insurance company bankrupted).
3. The agency (not Farmers itself) did a great job for consultation. They look carefully about the policy and suggest addition for my situation and let me know what I can save.
4. Some people say that Farmers is expensive, but I don't feel it's expensive since they do everything so reliable. I don't think other auto insurance company can provide same level of services with the same premium.
I highly recommend Farmers auto insurance from my experience. You'll get peace.
I started buying insurance with State Farm in 1965 with my first car. Somewhere in the mid seventies the fit just didn’t seem right; arguing with adjusters that desperately tried to pay a fraction of a legitimate claim with no help from my agent led me to shop around. On the recommendation of several friends I turned to Farmers where I found an agent that seemed to care about what kind of coverage I had and when I eventually did have to make a claim was helpful in guiding me through that process.
Over the past 40 years, (and several more claims), I have found Farmers to be an insurance company that has met my needs. My only problem has come from agents that either left the business, became so comfortable that their hobbies and past times surpassed their focus on customer care. The best agent I ever had passed away followed by another agent that was never available and I now have a professional and responsive agent that is available for all my questions and even initiates an annual review of my policies. So, finally, Farmers has been a very good company that has met my needs for over forty years. You just need to carefully choose your agent and not be afraid to shop until you find one that is a professional.
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Auto insurance coverage is more than just the price. It is about risk and really being covered at time of loss. This requires advanced thought to how your policy functions. I asked hard questions over the years - agents have been unable to answer often without going to underwriting for advice. I cover risk items that often get overlooked in a typical quote. Farmers has been able to keep up with me and find answers for coverage concerns. Farmers customer service has been great. I have not had a claim yet in 5+ years. I question others about Farmers to get feedback before buying and only heard positive. My price is lower than I have been able to find with the leading companies out there.
I like Farmers Insurance. We have our house, car and motorcycle insured. But when they bill they usually fall about the same time and it is hard to pay all three of them. I wish they would spread them out and maybe combine the motorcycle and auto together. But other than that I like the service we receive. I would not consider switching unless we could get it cheaper. I looked around and they all are about what we are paying now. So I think we will stay with them for now.
Farmers was outstanding on a hail damage claim on our house and auto earlier this year. They worked extremely quickly and efficiently. Their adjusters on-ground and claims specialists over the phone were courteous, patient in explaining issues and making the whole experience as painless as possible during normally stressful times. Their auto adjuster Brad visited our house at 7.45 am to accommodate my 9.00 am office meeting! We are very grateful for it and continue to be happily with Farmers. Maybe other peoples' experiences are different in other states, but we have absolutely no hesitation in recommending Farmers to our friends and family.
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After many years with Farmers, they have always raised monthly premiums without telling me, when coronavirus hit, they disconnected their lines, or at least they appeared disconnected to me so I could not get through to cancel my insurance, my agent was closed, I had to call the bank and ask them to block them from getting anything from my checking, then the only way I was able to get through is through live chat and when I cancelled I was told my refund is $3 and change, I must have paid them thousands through the years and never had an accident or claim. My advise is not only about farmers, but all insurance companies are like that, do not stay loyal to them for too long, switch every now and then until you find an honest company (please let me know if you do) and stick with it.
If you have Farmers Insurance you should compare prices. I saved $1400.00 per year on two vehicles and have better coverage. They also did not cancel my policy when requested and cost me another $230.00. DON'T TRUST THEM.
On Dec. 28th 2019 we were at a red light and had been for 7 seconds according to our dashcam video. A Farmer's insured rear-ended us. So ZERO fault to us. From the beginning I said I will not accept aftermarket parts, only OEM. The adjuster, Mike received this in verbal and written communication and never said that would not happen. I take my vehicle to BMW because a lot of the electrical stuff quit working right after the accident and I wanted it repaired correctly, plus I had an extended warranty that I didn't want to risk losing. Farmer's also tried to give us a Ford Fiesta to drive as a rental even though our vehicle is a BMW X5 4wd. We had to fight and fight to get a chinsy Jeep Cherokee 2wd.
So we get a call from BMW that Farmer's is refusing to pay for an OEM bumper and they will only pay for an aftermarket one. Well, BMW's policy is to REFUSE to repair their vehicles with aftermarket parts because they do not meet the same like, kind or quality of their original parts! (I think this is an awesome policy, BTW). However, they WILL accept a CAPA certified aftermarket part because it has met the crash test ratings and other testing to prove that it is at least as good or even better than the OEM part.
Guess what???? Farmer's still denied that part. They will only pay for the aftermarket part that is nowhere near the quality of the one I had on the vehicle when their insured hit me, again at ZERO fault of mine. The bumper they will pay for costs under $200. The CAPA bumper is around $600 and the OEM is around $1,000. So you cannot tell me that their choice of bumper is anywhere near the quality of the other two. But guess what??? I can pay the difference and get my vehicle repaired.
So here I am, stuck with a bill of $600-$800 in order to get my vehicle back and repaired to its original condition when she hit me all because I did everything right that day except be legally at a stop light minding my own business. This is absolutely OUTRAGEOUS!!!! How can they get away with this? Refusing to pay for parts that meet crash test standards? I don't know about you, but I want my bumper to perform as it should in an accident. I don't want some piece of crap plastic cover that doesn't take any of the impact of the crash. FARMERS INSURANCE IS A COMPLETE JOKE!!!
I have been in a car accident mid November 2019, it took forever to get someone to inspect the vehicle at the bodyshop when they asked for supplement. After which they said my car was a total loss but it needed only cosmetic repair. First they gave me such a small amount that I couldn't buy anything similar to my car, I hired an independent appraiser and got a bit more out of them few days ago (2 month process).
They refused to give me any extra money for dealership doc fees (usually $700), stating they are not obligated to give me that and that I don't need to purchase same vehicle at the dealer but can use private sellers (so I should purchase something that was in few crashes I don't know about) or that I should negotiate with a dealer not to charge me that. Not to mention that first they didn't want to give me full 30 day car rental but since they prolonged this agony they agreed to give me 30 days. I still don't have a new car. I will never use Farmers again.
I got into a wreck almost 5 months ago, my car was completely stopped at a stop sign, I was standing a little further than the indicated white line. Car X was in the right lane with right blinker on indicating the turn I was standing at. Instead of making a right he decided to run right into my car. His insurance (Geico) called and said they wouldn't cover me or the claim within one week. My insurance Farmers just called in 5 months later to tell me it was my fault, and they will cover his claim. Agent told me she asked for body cam footage and they denied it, which I don't think the police officer can deny the footage. All a lie, insurance did not support me or my accident but they took his side and blamed me for standing on the street.
Scenario in simple words: Car at a complete stop for over a minute, other driver was not paying attention, did not brake or change lanes to avoid the accident. But Insurance still blames the completely stopped car for the accident instead of fighting for it. And that to 5 months later. Farmers insurance, piece of crap, the agent didn't give a ** or fight on my behalf. I have all my family's 5 peoples insurance with them, home and auto. But I will take this business somewhere else if they do not fix this issue for me.
I strongly agree I was standing further than the indicated white line, but I also believe that the other car should have braked or changed lanes to avoid the accident. By this incident, farmers is telling me it is okay for me to run into a car standing on the road with emergency light on since it is my right of way. Thank You farmers, I will keep that in my mind!
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 when 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 not 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.
Farmers Auto Insurance Company Information
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