Farmers Insurance Company Review 2022
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Trusted Choice's Farmers Insurance Score:
4.5 Stars
We award Farmers Insurance a final rating of 4.5 out of 5 stars. The insurance company has also received high ratings through AM Best and the Better Business Bureau (BBB). Farmers is one of the nation’s largest home and auto insurers, and millions of customers across the country are policyholders. The carrier also offers a wide range of coverage.
Farmers’ official website is well done and offers many customer service options expected of modern carriers today, such as online bill pay, 24/7 claims reporting, getting matched with an agent service, and more. Also, for an insurance company of such massive size, there’s an impressive volume of glowing customer feedback across the web.
Farmers Insurance Pros & Cons
Pros:
- Well-established carrier with more than 90 years of experience in the insurance industry.
- Provides a range of coverage options for individuals and businesses.
- High ratings through AM Best and the BBB.
- The high volume of customer satisfaction relative to company size.
- Offers 24/7 claims reporting and mobile claims reporting.
- Several discounts are available.
- Coverage is offered nationwide.
- Strong financial stability.
Cons:
- Many complaints were filed against the carrier through the BBB.
- No official claims response time frame promise.
- Some customers report high premium rates.
What Type of Insurance Does Farmers Offer?
Farmers offers a range of coverage options for individuals and professionals alike. Their products include:
- Auto insurance
- Home insurance
- Condo insurance
- Mobile & manufactured home insurance
- Specialty home insurance
- Earthquake insurance
- Flood insurance
- Life insurance (term, whole, and universal)
- Business insurance
- Commercial auto insurance
- Umbrella insurance
- Workers’ compensation insurance
- Boat & watercraft insurance
- ATV & off-road insurance
- Motorcycle insurance
- Pet insurance
- Renters insurance
This list of insurance products offered by Farmers is not exhaustive. An independent insurance agent can help you find even more coverage options offered by Farmers.
Farmers Car & Auto Insurance:
- Auto insurance
- Commercial auto insurance
- Boat & watercraft insurance
- ATV & off-road insurance
- Motorcycle insurance
Farmers Insurance offers its auto insurance through a network of independent insurance agents who offer personalized and tailored experiences for the carrier's customers. Farmers' auto insurance is therefore a good match for prospective customers who want the ability to select only auto coverages that would actually benefit them. Though Farmers offers the standard coverages you'd expect in an auto insurance policy, such as liability and collision, it also offers rental car reimbursement, towing and roadside assistance, rideshare insurance, customized equipment coverage, and more.
Farmers has received excellent ratings from the BBB and AM Best, as well as scoring near the top of the list in J.D. Power's Auto Claims Satisfaction Study in 2021.
Farmers Car Insurance Average Prices
Farmers Insurance prices for car insurance are typically more expensive than the national average in several age ranges.
| Age Range | National Average Car Insurance Price | Farmers Insurance Price |
|---|---|---|
| 17 | $5,311 | $7,832 |
| 25 | $2,200 | $1,788 |
| 35 | $1,480 | $1,839 |
| 60 | $1,349 | $1,711 |
To find the national average car insurance price per state, check out our car insurance calculator.
What Discounts Does Farmers Auto Insurance Offer?
Farmers offers a handful of competitive discounts on their products, especially on auto insurance. These discounts include:
- Teen driver discount: This is offered to auto insurance customers who add a teen driver to their policy.
- Alternative fuel vehicle discount: This is offered to auto insurance customers who drive hybrids or other alternative fuel vehicles.
- Safety features discount: This is offered to auto insurance customers whose vehicles have factory-installed safety features such as alarm systems.
- Professional group discount: This is offered to auto insurance customers who belong to a qualifying professional group.
- Multi-vehicle discount: This is offered to auto insurance customers who insure more than one vehicle through Farmers.
Your independent insurance agent can help you find further information on even more discounts offered by Farmers and other ways to save through the insurance company, helping you to get the most bang for your buck on coverage.
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Farmers Insurance Customer Service
Farmers allows customers to file claims over the phone or online, any time of the week. The carrier also provides the following customer service options:
- 24/7 claims reporting via phone or online
- Online bill pay
- Live chat contact option
- Mobile app claims reporting and bill pay
- Main customer service hotline has the following hours restrictions:
| Hours (CST) | |||
| Monday-Friday | 7 am - 11 pm | ||
| Saturday | 8 am - 8 pm | ||
| Sunday | 8 am - 8pm |
Farmers sells insurance through a wide network of agents, including independent insurance agents who can help make customer service easier for you by handling claims and other concerns.
Farmers Insurance Customer Reviews
| Clearsurance |
“Great policies, great policyholders, has good benefits, better than any companies I did business with prior. I would definitely recommend.” |
| Better Business Bureau |
|
“After 22 years with the hands company I switched to Farmers. Within the first months I had a car accident. I was blown away by the level of professionalism from the entire Farmers team. I feel bad that only after a month with them I had to file a claim but they came through like a champ. Unfortunately my car was totaled but Farmers gave me the true value of the car allowing me to buy a new car better than the one I had before. I highly recommend Farmers Insurance. They will certainly take care of you.” |
| Consumer Affairs |
|
“I was the victim of a wildfire that burned through 3.5 acres, destroyed 15,000 ft. of aboveground irrigation, at least 30 trees, as well as some fencing and minor damage to buildings. Many people in the community were affected and claims were abundant, but Farmers had someone on our property to assess the damage within three days, and I had a generous check within a week, including for the irrigation which I wasn’t sure they would cover. I am extremely impressed and satisfied with their coverage and customer service.” |
| Consumer Affairs |
“I have been with Farmers for over 15 years. They have continued to offer great service and discounts. If I have to experience a claim, I don’t have to worry. My agents have been there continually, with great customer service and total coverage. When my son was in an accident, I was crazy worried about him, the car, and the other person. Farmers took care of everything. The price may go up a little, and there may be cheaper insurance out there, but Farmers has proven they are worth the price.” |
| Clearsurance |
|
“The policy was pretty efficient. Once I was in an accident and Farmers covered the whole thing. Their premiums are high, but not unexpected, but their service is good.” |
Farmers Insurance FAQ
Farmers offers 24/7 claims reporting for their customers, via phone, through the official website, or through their mobile app. The carrier does not provide an official claims response time frame promise, stating that it depends on a number of factors how quickly claims are processed. However, the carrier has numerous options for customers to get in touch with a representative live, at any time.
Farmers offers separate phone lines for general customer inquiries and claims filing. Their claims reporting hotline is available for customers 24/7, and the customer service hotline is available at generous hours, every day of the week. The carrier also has a social media presence on Facebook, Twitter, and LinkedIn, as well as a mobile app, making them even more accessible to customers.
Farmers provides several options for customers to file their claims. Farmers breaks down its claims process for auto insurance claims into a few simple steps, as follows:
- Assignment: The claim is filed by the customer and then assigned to a claims rep.
- Customer contact: A claims rep will contact the customer for more information and to schedule an adjuster visit if necessary.
- Evaluation: The claims rep will determine if the claim is covered and advise on the next steps.
- Resolution: The claims rep will work with the customer to get the claim resolved fairly.
- Closing: Farmers will close the claim after payment has been issued to the customer.
Customers can keep in touch with their independent insurance agent, check the official website or mobile app, or call the carrier to stay updated on a claim’s progress after filing.
Farmers’ official website is highly intuitive and easy to navigate. The layout is crisp and visually appealing. Prospective and current customers alike can easily find what they’re looking for, and important information is detailed enough to be satisfying. Customer service options such as getting matched with an agent, requesting a quote, online claims filing, and online bill pay are available. The carrier also has an active social media presence and a mobile app. Overall, Farmers provides quite a user-friendly experience for insurance customers of all kinds.
Farmers offers a wide range of insurance coverages, but they’re mostly recognized for their auto policies. Their auto insurance includes the following coverages:
- Liability
- Collision
- Comprehensive (aka “other than collision”)
- Uninsured/underinsured motorist
- Medical payments
- Personal injury protection
- Towing and roadside assistance
- Rental car reimbursement
- Full windshield and glass coverage
- Spare parts coverage
- Accident forgiveness
- New car replacement coverage
Farmers also sells specific auto insurance for rideshare drivers, such as Uber or Lyft employees. Your independent insurance agent can help you find out more about Farmers’ auto coverage, as well as their other insurance offerings.
With a rich history, excellent ratings through high-profile organizations, solid financial strength, and tons of different coverage options, Farmers can arguably be considered a good insurance company. Farmers considers the needs of their hard-working customers by providing 24/7 claims reporting, as well as numerous competitive discounts on their premium rates. It’s not hard to see why Farmers has become one of the largest home and auto insurers in the nation, and why so many customers choose to purchase coverage through this carrier.
farmers.com
ambest.com
bbb.org
clearsurance.com
consumeraffairs.com
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