Farmers Car Insurance Review 2026: Rates, Coverage, and Ratings
Farmers Insurance is one of America's most established insurers, known for its strong agent network, comprehensive coverage options, and iconic "We Are Farmers" branding. With nearly 100 years of experience, Farmers offers personalized service through local agents combined with modern digital tools.
This review examines Farmers' pricing, coverage options, Signal program, and how it compares to other major insurers.
Farmers Overview
Company Profile
| Attribute | Details |
|---|---|
| Founded | 1928 |
| Headquarters | Woodland Hills, California |
| Market share | ~3% (8th largest auto insurer) |
| Financial strength | A (Excellent) — A.M. Best |
| Availability | All 50 states + D.C. |
| Agent network | 10,000+ local agents |
What Farmers Is Known For
| Strength | Description |
|---|---|
| Agent service | Strong local agent relationships |
| Coverage options | Extensive add-ons and endorsements |
| New car replacement | Replaces totaled new car |
| Accident forgiveness | Available in most states |
| Custom equipment | Aftermarket parts coverage |
Farmers Car Insurance Rates
Average Premiums
| Driver Profile | Farmers Average | National Average | Difference |
|---|---|---|---|
| Good driver, age 30 | $1,650 | $1,700 | -$50 |
| Good driver, age 40 | $1,550 | $1,500 | +$50 |
| Good driver, age 50 | $1,500 | $1,400 | +$100 |
| Teen driver, age 18 | $5,500 | $5,500 | Baseline |
| Senior, age 65 | $1,550 | $1,400 | +$150 |
| After one accident | $2,400 | $2,400 | Baseline |
| After one speeding ticket | $2,000 | $2,000 | Baseline |
Rates by State
| State | Farmers Average | vs. State Average |
|---|---|---|
| California | $1,850 | +12% |
| Texas | $1,900 | +12% |
| Florida | $2,700 | +12% |
| New York | $2,200 | +10% |
| Ohio | $1,350 | +4% |
| Georgia | $1,700 | +6% |
Farmers is competitively priced but not the cheapest option.
Coverage Options
Standard Coverage
| Coverage | Available? |
|---|---|
| Liability | Yes |
| Collision | Yes |
| Comprehensive | Yes |
| Uninsured/underinsured motorist | Yes |
| Medical payments / PIP | Yes (state-dependent) |
| Rental reimbursement | Yes |
| Roadside assistance | Yes |
Optional Add-Ons
| Add-On | Description |
|---|---|
| Accident forgiveness | First accident won't raise rates |
| New car replacement | Replaces totaled car with new model |
| Loss of use | Coverage for alternative transportation |
| Customized equipment | Aftermarket parts and accessories |
| Spare parts coverage | Covers spare parts stored at home |
| Rideshare coverage | For Uber/Lyft drivers |
| Glass deductible buyback | Reduces glass deductible |
| Original equipment manufacturer (OEM) | OEM parts for repairs |
Farmers offers solid coverage options with strong custom equipment protection.
Farmers Discounts
Available Discounts
| Discount | Savings | How to Qualify |
|---|---|---|
| Multi-policy | Up to 20% | Bundle home, renters, life |
| Multi-vehicle | Varies | Insure 2+ vehicles |
| Signal | Up to 15% | Safe driving program |
| Good student | Varies | 3.0 GPA or B average |
| Safe driver | Varies | Clean record |
| Mature driver | Varies | Age 55+ complete course |
| Alternative fuel | Varies | Hybrid or electric vehicle |
| Anti-theft | Varies | Security system |
| Automatic payments | Varies | Set up autopay |
| Pay in full | Varies | Annual payment |
| Paperless | Varies | Electronic documents |
| Homeowner | Varies | Own a home |
Car Insurance Discounts Guide: 25+ Ways to Save
Signal Program
How It Works
| Feature | Details |
|---|---|
| Monitoring | Mobile app |
| Tracks | Speed, braking, acceleration, phone use, mileage |
| Initial discount | 5% for enrolling |
| Performance discount | Up to 15% based on driving |
| Impact | Safe driving = lower rates |
Pros and Cons
| Pros | Cons |
|---|---|
| Easy to use app | Lower maximum discount than competitors |
| Rewards safe habits | Privacy concerns |
| No plug-in device required | Risky drivers may not benefit |
Customer Service and Claims
J.D. Power Ratings
| Category | Score | Ranking |
|---|---|---|
| Overall satisfaction | 825/1000 | Average |
| Claims satisfaction | 862/1000 | Average |
| Shopping experience | 838/1000 | Average |
Claims Process
| Feature | Details |
|---|---|
| Filing options | Agent, app, online, phone |
| Photo estimates | Available |
| Repair network | Guaranteed Repair Network |
| Payment speed | 1-2 weeks typical |
| Rental car | Available with coverage |
Farmers vs. Competitors
Price Comparison
| Company | Average Annual Premium | vs. Farmers |
|---|---|---|
| Farmers | $1,650 | Baseline |
| GEICO | $1,300 | -21% |
| State Farm | $1,400 | -15% |
| Progressive | $1,450 | -12% |
| Allstate | $1,600 | -3% |
| USAA | $1,200 | -27% |
Feature Comparison
| Feature | Farmers | State Farm | Allstate |
|---|---|---|---|
| Agent network | Strong | Extensive | Strong |
| Coverage options | Good | Moderate | Extensive |
| Custom equipment | Excellent | Limited | Good |
| Usage-based | Signal | Drive Safe | Drivewise |
| New car replacement | Yes | No | Yes |
Who Should Choose Farmers
Best For
| Profile | Why Farmers Fits |
|---|---|
| Want local agent | 10,000+ agents nationwide |
| Custom vehicle owners | Excellent aftermarket parts coverage |
| Want new car replacement | Available add-on |
| Bundle home and auto | Competitive multi-policy discounts |
| Alternative fuel drivers | Discount for hybrid/electric vehicles |
Not Ideal For
| Profile | Better Alternative |
|---|---|
| Price is top priority | GEICO |
| Want cheapest rates | GEICO, USAA |
| Want maximum usage-based savings | Progressive, Nationwide |
| High-risk driver | Progressive |
FAQ
Is Farmers good car insurance?
Yes, Farmers is good car insurance for drivers who value local agent service and want solid coverage options. It offers competitive rates for many driver profiles, strong custom equipment protection, and reliable claims service. Customer satisfaction is average. The agent network provides personalized service that many customers appreciate.
Why choose Farmers over other insurers?
Farmers stands out for its strong agent network, excellent custom equipment coverage, and new car replacement option. If you have aftermarket modifications on your vehicle, Farmers offers better protection than most competitors. The local agent experience is also a key differentiator for customers who prefer personalized service.
Does Farmers have accident forgiveness?
Yes, Farmers offers accident forgiveness in most states. It prevents your first at-fault accident from increasing your rates. Some policies include it automatically, while others require purchase. Availability and terms vary by state, so check with your local Farmers agent for details.
What is the Farmers Signal program?
Signal is Farmers' usage-based insurance program that uses a mobile app to track driving behavior. It monitors speed, braking, acceleration, phone use, and mileage. Safe drivers can earn up to 15% discount. The program is easy to participate in since it only requires a smartphone — no plug-in device needed.
Is Farmers or State Farm better?
State Farm has a larger agent network and higher customer satisfaction scores. Farmers offers better custom equipment coverage and new car replacement. State Farm is generally cheaper for standard drivers. Choose State Farm for service and price; choose Farmers if you have custom vehicle modifications or want new car replacement.
Conclusion
Farmers is a solid choice for drivers who want personalized service through a local agent and those with custom vehicle modifications. While not the cheapest option, its competitive bundling discounts and strong coverage options provide good value for the right customer.
Key takeaways:
- Strong local agent network with 10,000+ agents
- Excellent custom equipment coverage
- New car replacement available
- Signal program offers up to 15% discount
- Average customer satisfaction scores
- Competitive but not cheapest rates
- Good bundling discounts
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