Farmers Insurance offers a huge range of customizable insurance policies that cater to your auto insurance needs and beyond, but is their vehicle insurance coverage really a good fit for you?
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How much is Farmers insurance?
On average, a Farmers’ Insurance Policy costs somewhere around $1,682 a year. This is a fairly expensive average in relation to most major providers.
One of the first things you should take into account when you select your new car insurance
plan is how much coverage you need. For example, a more comprehensive coverage plan from Farmers’ will cost an average of about $1,786.91 annually. Meanwhile, the most affordable minimum coverage plans
will probably cost about $1,582.46 a year, depending on your state insurance requirements. Likewise, these averages will vary according to the state you live in, your credit score, your age demographic, and your driving record.
For instance, if you have a clean driving record
, you can expect to pay about $1,682 for an average Farmers’ insurance package. However, if you have a DUI
on your record you can expect to pay almost $1000 more, with the average annual rate in this category coming in at $2,640.01. The best way to get a good idea of what you can expect to pay for the coverage you want is to use Jerry
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Great options for new or classic car owners | |
Plenty of options to tailor your package | |
An ample range of discounts | |
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Farmers insurance coverage
Accidents happen, and liability car insurance policies
are designed to protect you up to your policy’s limit should you be found at-fault in a car accident. As the name implies, Farmers’ collision coverage
is designed to protect you in the event that you should be involved in a collision. This includes situations where you might hit another car or stationary object as well as situations when another vehicle collides with your parked car. A comprehensive coverage
will kick in where collision coverage leaves off, helping you to recoup the cost of damage to your vehicle caused by external circumstances like floods, fire, storms, vandalism, and theft. Uninsured and Underinsured Motorist Coverage
Both uninsured and underinsured motorist coverage
are designed to protect you from out-of-pocket medical bills should you find yourself in an accident with an at-fault driver who doesn’t have sufficient liability coverage. Medical Payments Coverage
Medical payments coverage
is a popular policy add-on that will help cover medical or funeral costs associated with a claimable incident.Personal Injury Protection (PIP)
Personal injury protection (PIP)
can help anybody who suffers medical rehabilitation costs or lost wages due to a claimable incident recover some of the cost up to the policy limit. Farmers PIP coverage is not available in all 50 states, so if you are looking for a robust PIP policy, be sure to make sure that your home state is eligible.
Optional coverage options
Farmers offers up a particularly long list of optional coverage plans. Here is a list of some of the policy add-ons you can choose from to help you customize your policy that meets your needs:
Accident Forgiveness Coverage
When you purchase accident forgiveness
—an optional add-on—you will have one accident forgiven every three years without having to worry about a policy premium increase. Customized Equipment Coverage
Farmers’ Customized Equipment Coverage policy is designed to protect you up to your policy limit for any aftermarket additions to your vehicle, like sound systems or custom rims, that are not covered by standard auto insurance options.
Farmers will only allow you to take out a customized equipment plan if you have both collision and comprehensive policies from Farmers already in place.
Full Windshield and Glass Coverage
Farmers offers up an extensive windshield and glass coverage policy add-on that will eliminate the deductible and cover the out-of-pocket costs of claimable glass repairs and replacements. This windshield coverage is a great add-on if you want Farmers to fully replace your windshield.
Glass Deductible Buyback Coverage
The Farmers’ Glass Deductible Buyback Plan is basically a lesser version of the Full Windshield and Glass Coverage. It will reduce your deductible to $100 on any claimable windshield and glass repairs.
Guaranteed Value Coverage
The Farmers’ Guaranteed Value plan will pay-out a guaranteed agreed-upon value if your car is deemed a total loss. If you have a particularly valuable ride like a rare or antique model, this could be a good policy option for you.
Farmers’ Loss of Use policy add-on will cover the costs of transportation like taxis, rideshares, car rentals, or public transportation up to your policy limit while your car is being repaired during a claim.
This type of coverage is more commonly known as a rental reimbursement
policy. New Car Replacement Coverage
The value of new cars depreciates quickly. Farmers’ new car replacement insurance
will give you the peace of mind of knowing that your new vehicle will be replaced with a new vehicle of the same make and model if it is totaled within the first two model years and 24,000 miles in a claimable incident. Original Equipment Manufacturer (OEM) Coverage
This policy add-on is designed to cover the cost of using original factory parts while your car is being repaired on a claim.
This coverage plan is a good option if you drive a newer vehicle and want to help ensure the quality of repairs on a claimable incident. If your car is over 10 years old, you will not be eligible for the Farmers’ OEM coverage plan
. Personal Umbrella Coverage
Farmers’ Personal Umbrella Coverage acts as a supplement to an existing liability coverage plan and will help cover legal defense costs and protect your assets from lawsuits resulting from an accident where you are found to be at fault.
If you like to have a range of spare parts on hand, Farmers’ Spare Parts Coverage will replace the cost of any spare parts lost or damaged in a claimable incident up to $750. This plan is popular with owners of rare, classic, and antique models.
Towing and Roadside Assistance Coverage
This policy option will provide and help cover the cost of 24/7 roadside assistance
service like towing, tire changing, locksmith service, and jumpstarts should you find yourself stranded at the side of the road. Farmers’ Roadside Assistance program is only available to policy subscribers, so you will have to sign up for the plan in advance to gain access to this service.
Collector Car Insurance Coverage
If you own a classic or collector car, Farmers’ offers a range of customizable classic car coverage
options to help fully protect your valuable investment. Along with the spare parts, customized equipment, guaranteed value, and original equipment policies discussed above, you can speak with a local agent to add specialized clauses that will help you accommodate overseas travel and situations where your car might be left unattended.
Farmers’ recommends that classic and antique car owners speak to a local agent who can help customize a collector insurance policy to meet your needs.
Farmers’ recently introduced rideshare insurance
provides supplemental coverage to drivers of rideshare companies like Uber or Lyft who offer limited company coverage that leaves drivers vulnerable during certain phases while on the job. Farmers offers you plenty of car insurance discount opportunities when you purchase your car insurance policy. Here is a list of some of the many popular discounts they offer:
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Signal Discount (for users of the Signal app) |
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Occupational Discount (applies to certain public-service oriented professions, like teachers, doctors, dentists, nurses, firefighters, and police) |
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Multiple Vehicle Discount |
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Defensive Driver Discount |
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Farmers vs. other insurance companies
Now that you have an idea of the services that Farmers provides, you might be wondering if their car insurance is the right choice for you. Keeping that in mind, here is a quick summary of how Farmers stacks up to the other two big national providers: Geico and Allstate.
Farmers vs. Geico
Whether you are looking for superior customer service, efficient claims processing, or more affordable package policies, Geico
takes the cake across the board. Geico customers are significantly more likely to recommend their insurance to friends and family, and they also report much higher customer satisfaction ratings with their existing policies. In terms of prices, Geico insurance packages are often much more affordable than Farmers’ offerings. For example, you will probably save about $730 a year by choosing Geico over Farmers’ if you are a 25-year-old male. Geico tends to be consistently more affordable across a variety of demographic categories as well.
Keep in mind that Farmers does offer more opportunities to bundle and customize your policy.
Farmers vs. Allstate
Allstate
also beats out Farmers’ car insurance in terms of customer satisfaction, although this is a much closer race. However, when it comes to prices, Farmers’ comes out ahead. Allstate is generally viewed as one of the more expensive big-name insurance providers, and while Farmers’ policy prices leave something to be desired, you will probably save some money by choosing Farmers’ over Allstate.
Basically, if customer service is one of your top priorities, Allstate is probably a better bet. Meanwhile, if you are looking for a more affordable policy that offers plenty of tailored options to suit your needs, Farmers is the way to go.
What is Farmers Insurance?
Farmers Insurance was originally founded as a door-to-door enterprise way back in 1928 by two enterprising business partners named John C. Tyler and Thomas E.
Today, you might recognize Farmers from its characteristic chuckle-worthy ad campaigns featuring J.K. Simmons. All jokes aside, the Farmers Insurance Group has come a long way from its humble roots.
The LA-based conglomerate currently consists of no less than 46 distinct companies that offer a full range of insurance policies to Americans in all 50 states, providing service to a whopping 10 million households across the country.
How to get a Farmers auto insurance quote
To get an auto insurance quote, Farmers has an online quote tool available on their website and mobile app, but you do need to have a lot of information handy to ensure a good experience. If you have specific questions or are looking for tailored policy options, it is best to call up or visit a local agent in person.
You will need to be prepared to provide your basic information, information on your vehicle, an estimate of how many miles you drive in a day, and information on the other drivers in your household.
Farmers also recommend you have the following information on hand:
Your license plate number
Your driver’s license number
Your vehicle identification number
Your current odometer reading
Your vehicle purchase date
Your current insurance information
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Farmers insurance reviews?
According to the 2018 J.D. Power Associates U.S. Auto Insurance Satisfaction Study
, Farmers customers report average satisfaction in most categories, including the following: According to the same survey, customers tend to rate Farmers’ service as below average in the Repair Process category.
Similarly, the 2018 U.S Auto Insurance Shopping Study
has found that Farmers clocks about average across the board, scoring in the mid-range zone in all of the following categories: Call Center Representative
Farmers ranks as either average or below average in terms of region as well. Basically, you aren’t going to get exceptional service with Farmers, but it won’t be anything out of the ordinary either.
Farmers’s services and features
One of the perks of signing up with Farmers is that you can enjoy access to their impressively rated mobile app.
You can use the app to do any of the following:
Manage your payment options and pay your bills
View and access your insurance ID cards and policy documents
Request roadside assistance
Manage your e-bill options
Receive push notifications regarding important account information
If you use an Apple device, you can pay your bills simply and efficiently using Siri. You can also sync your mobile app so that you can access your insurance ID cards using Apple Wallet and Siri.
How to file a claim with Farmers
In the event that you need to file a claim , the most convenient way to get the process underway is to sign in to your Farmers account or mobile app.
You can also call the company directly or swing by one of their branches for support.
Once you begin the claims process, you will receive a claim number that you will need to keep handy throughout the course of the claims investigation process.
In order to ensure the claim filing process goes as smoothly as possible, be prepared to provide the following information:
The location, date, and time of the accident
The names, addresses, phone numbers, and insurance policy numbers of anybody else involved
A summary of the weather conditions
Photo evidence of the accident scene and damage
Any relevant copies of the police and/or accident reports
Once your claim is approved, you can proceed with the repairs and secure a replacement vehicle (if it is part of your coverage plan).
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If you want to cancel your Farmers insurance policy, you have three options:
Call up an agent and cancel by phone.
Send a cancelation letter in the mail by writing a letter that includes your name, policy number, and the date you want your policy to end. Be sure to include a signature and date the letter as well.
Visit a local Farmers branch in person.
Like many major providers, Farmers does not provide options for canceling online or via their mobile app. However, they do have a fairly liberal cancelation policy in that they will not charge you a cancelation fee and will fully refund any premiums you paid in advance.
Be sure to write down your effective cancelation date in advance so you can ensure a smooth transition to your new policy.
Farmers will also allow you to cancel your policy immediately if you so choose. Ensure that you have another provider lined up to avoid a coverage lapse that could increase your premiums in the future.
The Takeaway: is Farmers right for me?
When all is said and done, Farmers is not the most affordable option out there for car insurance, nor do they offer a superior customer experience.
However, the wide variety of discounts and opportunities to tailor your policy means that you can create a package that is custom-made to fit your specific needs.
This makes Farmers a great pick for people who own new or high-end vehicles, classic models, or highly customized cars. If this is you, a Farmers policy could be a great option.
Remember, there are always a lot of factors to take into account when you compare car insurance quotes, and the most affordable policy is not always the best.
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