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Farmers Car Insurance Review

You may have already heard of Farmers through their famous ad campaigns with actor J.K Simmons. Farmers definitely have the size to back up this level of hype and reputation. But does their pricing and insurance services also live up to the expectations? 

We’ll come right out of the gate and say that Farmers’ insurance services are met with majority positive reception. In fact, Farmers is reported to have less complaints that expected for an insurance company of their size. Combine this with customizable policies and several discount opportunities, and you’re looking at a pretty strong car insurance provider. 

What Policyholders Say Are The Best Parts of Farmers Insurance 

Policyholders of Farmers will tell you that they get their moneys worth with a basic or full coverage auto policy with them. The amount of insurance products they can get are diverse and the accompanying rates are agreeable. While they pay around the average amount for car insurance, it’s far better than overpaying.

Several Discounts For Old And New Policyholders

Some examples of handy car insurance discounts that Farmers have is their transfer wherein someone simply switching to Farmers can receive a premium discount and a distant student discount for those going to school with their car out of state. Several more of these niche discounts are available from Farmers. 

High Customer Satisfaction With Claims 

It’s always important that policyholders are also happy with their insurance provider’s claims process. Fortunately, Farmers ranks highly in reviews when it comes to payouts and settlements as well. They tend to be attentive, timely, and agreeable. 

User-Friendly Tech Approach 

Farmers insurance includes an app that is easy to use for anyone regardless of how tech savvy they are. This also allows for policy changes and claim filing on the go. Above all, it’s a great way to stay on top of your insurance. 

How Happy People Are With Farmers Insurance 

Farmers insurance provides will tell you that switching insurers to them are one of their best financial decisions. With so many insurance products and discounts, overpaying with Farmers is actually a challenge for some drivers. Other benefits that Farmers offers that keeps new policyholders coming and existing ones renewing their policies are:

  • Towing and roadside assistance coverage 
  • Customized equipment coverage 
  • Rates based on tracking driving habits 
  • Reliable and timely claims process
  • Diverese range of insurance products including boat, buisness, flood coverage, and so much more. 

What Policyholders Say Are The Worst Parts About Farmers Insurance 

The pros of Famers outnumber the cons, but they are really moreso things that can’t be helped at the moment. In the future, perhaps both these drawbacks will lessen. But if you are interested in Farmers as a provider, you should be aware of the following. 

Doesn’t Operate in Every State 

Farmers’ insurance is only available in 42 out of the 50 states, so some drivers may not be able to get it in the first place. Still, there may be some other low-cost insurance options where Farmers doens’t operate. 

Questionable Finacial Stability 

Depsite nearly 100 in operation, Farmers isn’t as financially stable as other long-standing car insurance provider is. For some drivers, this is can be a red flag if troubled times befalls them. 

The Drivers That Benefit The Most From Farmers 

Farmers doesn’t have a requirement their policyholders must meet as all kinds of drivers can find affordable and customizable auto insurance with them. While Farmers does look at similar risks that other insurers look at, their plethora of discounts allows such drivers like new ones to get affordable premiums. Nearly every driver can benefit with coverage from Farmers, including: 

  • New and recently licensed drivers 
  • Good student drivers 
  • Drivers with multiple vehicles 
  • Drivers with SR22 requirements 
  • Drivers with poor credit 

Again, Farmers’ policy underwriting process isn’t too different from how others do it. They’ll look at factors like age, car, residence, and more in order to accurately assess someone’s risk and pair with the most economical rates. 

Things to Consider When Getting Car Insurance 

While car insurance companies all look at the same things, they price their policies differently. While you can’t exactly change things like your age, there are some things you can think about and even change as you look for the best car insurance:

  • How much you drive annually – Having a general idea of how much you drive in a year can give you an idea of how much you will be paying for car insurance. If you drive for work or a job, then your mileage may be higher and you may have to pay more for car insurance. 
  • Credit score – Farmers is known for looking at credit scores, like other insurance companies do, but they have more of an emphasis on having one of 700 or greater for their best rates. It’s always never to late to change your credit score when looking for car insurance. 
  • Your deductible – The deductible is the amount you pay up front when you file a claim. It’s also directly inverse to the amount you pay for car insurance, so setting a higher deductible will result in lower car insurance premiums –just be sure that you can afford it when you need to pay it. 

Final Thoughts About Farmers’ Insurance

Farmers’ has a reputation that proceeds it and for good reason. Drivers from different walks of life are able to find an ideal policy with them and save while doing so. Of course, there are limits to Farmers’, as previously mentioned, but it never hurts to add them to your car insurance shopping list and get a free quote.

Visit Farmers at

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