Farmers Auto Insurance Review: Discounts, Signal & Is It Worth It?

Farmers Insurance legitimacy and licensing

Yes. Farmers has sold insurance since 1928. Its policies are written by three reciprocal insurers, Farmers Insurance Exchange, Fire Insurance Exchange and Truck Insurance Exchange, which are owned by their policyholders. Farmers Group, Inc., part of Swiss-based Zurich Insurance Group, provides management services to the exchanges. Farmers isn’t related to State Farm or the state Farm Bureau insurers.

Financial strength is solid: AM Best affirmed an A (Excellent) rating on August 1, 2025. Customer reviews are weaker. The BBB rates the corporate Farmers Insurance profile A- and shows it as not accredited, with 1,562 complaints in the last three years. Trustpilot shows 1.3 out of 5 from 364 reviews, 88% of them one star. In J.D. Power’s 2025 auto insurance study Farmers averaged 626 out of 1,000, and it scored 690 in the 2025 claims study, below the 700 average.

Farmers Insurance cost and discounts

Farmers doesn’t publish base rates. You need a quote, and the price depends on your state, vehicle, driving record and coverage. Farmers says customers who switched saved an average of $530 That’s the company’s own marketing figure, not a typical price.

Published discounts include a home and auto bundle (10% or more), ePolicy, good payer, pay in full, good student, youthful driver, defensive driver, homeowner, anti-theft and Farmers GroupSelect discounts for eligible employers and associations. Not every discount applies in every state.

The Signal app gives an initial discount for enrolling. At renewal, your discount depends on how you drive, and Farmers says risky driving can lead to a higher renewal premium. Signal isn’t available in Florida, Hawaii or New York, and the Signal discount isn’t offered in California.

What Farmers auto insurance covers

Standard coverage includes liability, collision, comprehensive, uninsured and underinsured motorist, and medical payments or personal injury protection where your state requires it. Optional add-ons listed on farmers.com include roadside assistance, rental car reimbursement, windshield repair, rideshare coverage, gap insurance, OEM parts, customized equipment, new car replacement and accident forgiveness.

Accident forgiveness forgives one at-fault accident for every three years you drive without one. It costs extra and isn’t available in California, Hawaii, North Carolina, New York or South Carolina. Farmers also sells home, renters, condo, landlord, umbrella, life and business policies, which is why bundling is its main selling point.

Farmers claims and customer complaints

You can file a claim online at any time or call 1-(800) 435-7764, then track status, payments and documents online. Farmers says a claim takes less than five minutes to file if you have your policy number.

On Trustpilot and the BBB, the most common complaints are renewal increases without a claim, denied or underpaid claims, slow communication during claims, and billing or fee disputes after canceling. Praise usually centers on individual local agents. To protect yourself, get coverage changes in writing, keep photos and receipts for any claim, and if a dispute stalls, file a complaint with your state insurance department, which regulates Farmers in your state.

In 2025, Farmers disclosed that an unauthorized party accessed a third-party vendor’s database on May 29, exposing names, addresses, dates of birth, driver’s license numbers and the last four digits of Social Security numbers for about 1.07 million customers. A class action was filed in September 2025.

Where Farmers sells policies

Farmers says it serves households and businesses in all 50 states and Washington, D.C., but products differ by state. In July 2023 it told Florida regulators it would stop offering Farmers-branded auto, home and umbrella policies there, affecting about 100,000 policies; affiliates Foremost and Bristol West kept selling in Florida.

In California, Farmers capped new homeowners policies for a time, then announced it would remove the 9,500-a-month cap beginning in early 2026, alongside a filed average rate increase of 6.99%. Check with an agent for what’s available at your address.

How to cancel a Farmers policy

Farmers says to cancel through your agent. If you don’t have one, call (888) 327-6335 (weekdays 7 a.m. to 11 p.m. Central, weekends 8 a.m. to 8 p.m. Central). Line up your new policy first so you don’t have a gap in coverage, which can raise future rates and may break your state’s insurance law if you drive uninsured.

Ask how your refund of unused premium will be calculated and whether any cancellation fee applies, since rules vary by state and policy. Several reviewers report billing problems after canceling, so ask for written confirmation of the cancellation date.

Who should look elsewhere

Farmers is a weaker fit if price is your only concern, since you’ll need quotes to compare and review sites often find it above average. Florida residents can’t buy Farmers-branded policies. If you don’t want a telematics program that can raise your rate, skip Signal or choose an insurer whose program only offers discounts.