4.5/5
Service Evaluation
Key Takeaway: Farmers Insurance (Expert Score: 4.5/5.0)
Farmers Insurance earns a high Expert Score of 4.5/5.0, excelling in Digital Experience with a category score of 95%. BestGuide’s analysis of 18 expert sources highlights its extensive list of over 20 available auto insurance discounts, making it a strong choice for drivers who value customizable coverage, a modern mobile app, and the ability to lower their rates through the Signal telematics program.
Farmers Insurance earns an Expert Score of 4.5/5.0 from BestGuide, positioning it as a top-tier provider for drivers who prioritize a wide array of discounts and policy customization. This comprehensive Farmers Insurance review analyzes data from 18 independent expert sources, evaluating the company on everything from its claims process to its pricing structure. Our analysis shows Farmers’ key strength is its combination of a robust digital platform and over 20 available discounts, which can significantly lower premium costs for eligible customers.
Multiple Farmers Insurance reviews from customers and experts point to the company’s long-standing financial stability and flexible coverage add-ons, such as rideshare insurance. While its customer service ratings are close to the industry average, its performance in digital tools scores a 95%, outpacing many competitors.
How Farmers Insurance Works
Getting a Farmers car insurance policy starts with obtaining a quote, a process that can be completed online in under 10 minutes. Prospective customers provide standard information, including their vehicle details, driving history, and address, to receive a customized rate. Farmers’ system automatically checks for applicable discounts, of which there are more than 20, to present the most competitive premium possible.
Once you become a policyholder, you can manage your account through the Farmers.com portal or its highly-rated mobile app. The app allows for bill payments, access to ID cards, and initiation of claims. Farmers also offers the Signal® program, a usage-based insurance tool within the app that monitors driving habits. Safe drivers receive an initial 5% discount for enrolling and can earn up to a 30% discount at renewal based on their driving score.
Filing a claim with Farmers can be done 24/7 through the app, online, or by phone. The Farmers insurance claims process is supported by a network of certified repair shops and dedicated claims representatives. Farmers guarantees the workmanship on repairs from its approved network for as long as you own the vehicle, providing an extra layer of assurance for customers.
Who Farmers Insurance Is Best For
Based on BestGuide’s analysis of its product offerings, Farmers Insurance is best for three specific types of drivers. First, it is ideal for individuals who own multiple policies, such as home, auto, and life insurance, as Farmers offers excellent bundling discounts of up to 20%. Second, it is a great choice for tech-savvy drivers willing to use the Signal® telematics program to earn discounts of up to 30% for safe driving. Finally, it suits rideshare drivers for companies like Uber and Lyft, as Farmers provides a specific insurance endorsement that closes coverage gaps left by standard personal auto policies.
Farmers Insurance Standout Features
Farmers distinguishes itself from competitors with several key features that offer significant, quantifiable value to its policyholders:
- Signal® Program: This is a primary differentiator, offering an immediate 5% discount and the potential for up to 30% savings based on driving metrics tracked via its mobile app. This maximum savings potential is higher than the 10-25% average offered by similar programs from other carriers.
- Customizable Coverage Options: Farmers offers specialized add-ons like New Car Replacement, which pays to replace a totaled new car with a brand new one of the same make and model if it’s within the first two model years and has fewer than 24,000 miles.
- Accident Forgiveness: This feature prevents a rate increase after your first at-fault accident. Farmers grants this forgiveness for every three years you drive accident-free with them, providing essential financial protection for otherwise safe drivers.
Farmers Insurance Pros and Cons
| Pros | Cons |
|---|---|
| Extensive Discount List: Over 20 available auto discounts, a number significantly higher than the industry average of 12-15 discounts. | Above-Average Base Prices: Without discounts, Farmers’ base rates can be 5-10% higher than the national average. |
| High Financial Strength: Holds an A (Excellent) rating from AM Best, indicating a superior ability to meet ongoing insurance obligations. | Slightly Higher Complaints: The NAIC Complaint Index for its primary auto insurance subsidiary is slightly higher than the national median of 1.00. |
| Strong Digital Tools: Mobile app and website score 95% in BestGuide’s analysis for functionality, including claims filing and policy management. | Not Available Nationwide: Service is not offered in all 50 states, with notable exceptions including Alaska, Delaware, and Hawaii. |
Is Farmers Insurance Legit?
Yes, Farmers Insurance is a highly legitimate and well-established insurance provider founded in 1928. It is one of the largest insurers in the United States, serving over 10 million households with more than 19 million individual policies. The company is headquartered in Woodland Hills, California, and operates a network of thousands of exclusive and independent agents across the country.
In response to common search queries, Farmers Insurance is not a publicly traded company on its own; it is a subsidiary of the Zurich Insurance Group, a massive Swiss-based global insurance entity. It is also an entirely separate and unaffiliated entity from other similarly named companies like State Farm or Farm Bureau. Farmers maintains strong financial health, with its primary underwriting companies holding an ‘A’ (Excellent) rating from AM Best, ensuring its ability to pay out customer claims.
Farmers Insurance BBB Rating and Accreditation
As of 2026, Farmers Insurance Group holds an A+ rating from the Better Business Bureau (BBB), which is the highest possible rating. The company has been an accredited business with the BBB since 1951, demonstrating a long-term commitment to resolving consumer complaints. While its composite customer review score on the BBB website is low (around 1.1 out of 5 stars), this is typical for massive insurance companies on the platform. The A+ rating is based on the BBB’s assessment of how the company responds to customer issues, not the volume of complaints themselves. Farmers regularly closes and resolves thousands of complaints over a rolling three-year period.
Farmers Insurance Cost: What You Should Expect to Pay
The cost of a Farmers car insurance policy is often slightly higher than the national average before discounts are applied. Based on 2026 rate data, the average annual cost for full coverage auto insurance in the U.S. is approximately $2,638. Farmers’ average base premiums can start around $2,850 per year for a similar policy.
However, with its extensive list of over 20 discounts, many drivers can reduce their final cost to be highly competitive with or even lower than the national average. This places Farmers in the mid-to-upper price range for auto insurance providers, with a massive potential for savings if you take advantage of programs like Signal®.
| Factor | Potential Impact on Quote |
|---|---|
| Driving Record | Clean record can save up to 20%; at-fault accidents can increase rates by 30-50%. |
| Signal® App Enrollment | Immediate 5% discount, with up to 30% savings at renewal for safe driving. |
| Policy Bundling | Combining auto with home or renters can save up to 20% on the auto premium. |
Final Verdict: Farmers Insurance Review
Farmers Insurance earns an Expert Score of 4.5/5.0 from BestGuide, marking it as a strong contender in the auto insurance market. Its greatest strengths lie in its vast number of available discounts (over 20) and highly functional digital tools, which scored 95% in our analysis. The ability to customize policies with unique add-ons like rideshare coverage and new car replacement makes it a highly flexible choice for drivers with specific needs. Our comprehensive Farmers Insurance review finds it to be an excellent option for those who plan to bundle policies or use telematics to aggressively lower their rates.
However, prospective customers should be aware of its weaknesses. The company’s NAIC complaint ratio is slightly higher than the national median, and its premiums can be higher than average before discounts are applied. While many Farmers Insurance reviews are positive, customer service satisfaction ratings from J.D. Power are often just average compared to top-tier competitors like USAA. Despite these drawbacks, for the right customer, Farmers offers a compelling combination of customization, potential savings, and massive financial stability.
Frequently Asked Questions About Farmers Insurance
What do experts say about Farmers Insurance?
Experts give Farmers Insurance high marks for its financial stability, extensive list of over 20 discounts, and strong digital tools. BestGuide’s analysis of 18 expert sources resulted in an Expert Score of 4.5/5.0, with its digital experience receiving a category score of 95%.
Is Farmers Insurance worth it in 2026?
Yes, Farmers Insurance is absolutely worth it in 2026 for drivers who can take full advantage of its many discounts, especially those for bundling policies or enrolling in the Signal® safe driving program. It provides significant value for customers seeking customizable coverage options, though its base rates may be higher than some budget competitors.
How does Farmers Insurance compare to other auto insurance companies?
Farmers Insurance is highly competitive in its number of available discounts, offering over 20, which is more than the industry average. While its base price can be higher, its financial strength rating (A from AM Best) is on par with other top-tier insurers, though its customer complaint index is slightly higher than the national median.
Is Farmers Insurance expensive?
Farmers Insurance can be more expensive than the national average if you do not qualify for any discounts. The average premium before discounts can be 5-10% higher than some budget carriers. However, with discounts for safe driving (up to 30%) and bundling (up to 20%), many customers find its final price to be highly competitive.
How does the Farmers Insurance claims process work?
You can file a claim with Farmers 24/7 online, via their mobile app, or by phone. A claims representative is assigned to guide you through the process, from damage assessment to repair. Farmers guarantees repairs done at its network of over 2,500 certified shops for as long as you own the car.
Who is the actor on Farmers Insurance commercials?
The well-known actor and spokesman featured in Farmers Insurance commercials is Academy Award-winner J.K. Simmons. He has appeared as Professor Nathaniel Burke in their highly popular “We Know From Experience” campaign since 2010.
Is Farmers Insurance the same as State Farm?
No, Farmers Insurance and State Farm are two completely separate and competing insurance companies. They have different corporate structures, pricing models, and policy offerings. Farmers is part of the Zurich Insurance Group, while State Farm is a mutual insurance company owned by its policyholders.
What is a Farmers Insurance open payout?
The term ‘open payout’ in the context of a Farmers insurance claim generally refers to a claim that is still active and has not been fully settled or closed. This means initial payments may have been issued, but the total final amount is not yet determined, often pending further medical treatment, ongoing repairs, or investigation.