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Farmers Insurance Group Review

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UPDATED: Mar 28, 2020

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Farmers OverviewDetails
Year Founded1928
Current ExecutivesJeffrey Dailey - CEO
Scott Lindquist - CFO
Paul Wilson - CIO
Number of Employees13,015
Total Assets (2017)$16.1 billion
HQ Address6301 Owensmouth Avenue
Woodland Hills, CA
Phone Number1-888-327-6335
Company Websitehttps://www.farmers.com/
Premiums Written (Auto, 2017)$10,364,451
Loss Ratio65.52%
Best ForBundling, those that prefer working with an agent

Farmer’s Insurance Exchange is part of a major group of insurance companies operating across the United States. The original company was started to provide auto insurance, and they still do that to this day – although now they also offer home, life, and a range of specialty insurance products through several companies.

Farmers is one of the ten largest car insurance companies in the nation. True to their roots, they continue to operate as an exchange and is owned by its policyholders.

They’re one of the best-known insurance companies in the country, with agents found in small towns and large cities across America. But is Farmers Insurance a good choice for you?

You want a company you can trust, that will offer you good value, and that be there for you in the event of a claim. How do you know if even a big name insurance company like Farmers will do all those things?

Continue reading for all the details on Farmers Insurance that you will need in order to make that call.

We’ll cover Farmer’s products, their prices, and their reputation in this review so you can compare them to your other options and choose the best auto insurance for your needs.

Farmers Ratings

There are a number of trusted sources for insurance company ratings out there. They can provide a balanced view of Farmers Insurance, from financial stability to customer satisfaction.

Here are the ratings for Farmers – read on below for a breakdown of what each of these means.

Ratings AgencyRating
A.M. BestA
Better Business BureauA+
Moody'sA2
S&PA
NAIC Complaint Index0.79
JD PowerClaims Satisfaction 4/5
Shopping Study 3/5
Consumer Reports89

The first three ratings on the table above are all related to Farmers’ financial stability and credit outlook. That’s not something people give a lot of thought to when shopping for car insurance, as a general rule, but it is information worth having.

You’re giving your money to an insurance company with the understanding that if something goes seriously wrong, they’ll be there to cover you. A company that doesn’t have a solid financial footing may find itself in a position where it can’t keep up its end of the bargain.

AM Best is probably the best-known of the financial rating companies.  It gives Farmers an A rating, which is an “Excellent”. There is one step higher than this, which is a “Superior” rating of A+ or A++.  Excellent is, well, excellent. It indicates Farmers is financially stable.

Both Moody’s and Standard & Poor (S&P) are also financial rating companies, focusing a bit more on credit-worthiness, although financial strength is definitely a part of it. Farmers rates well with both.

The Better Business Bureau (BBB) rates companies on the number of complaints received compared to the size of the company, the company’s response to and ability to close those claims, and other factors like length of time in business.

Farmers’ A+ is the top rating from the BBB. They have 775 complaints on file in the past three years, which isn’t high for a company this large.

J.D. Power‘s ratings probably carry the most clout of any, since the name is so well-known and companies like to brag when they win one of the J.D. Power awards. Farmers ranks pretty well here.

Of the two national car insurance surveys, they rank best in the claims satisfaction area – which is a vital part of an insurance company’s reputation.

There are also regional surveys of auto insurance satisfaction from J.D. Power, and Farmers’ ranking varies in different areas. You can easily check the regional ranking on the J.D. Power site.

Similar to J.D. Power, Consumer Reports gathers company information and ranks them based on a variety of factors. The top ranking available is 100, and Farmers’ score is pretty high. Competitors State Farm and Geico have the same rating.

Finally, we looked at the complaint data gathered by the National Association of Insurance Commissioners (NAIC), which gathers complaint information on insurance companies.

Farmers’ complaint index is below the national median of 1.16, which means they have fewer complaints for the number of customers than average.

Company History

Farmers was founded in 1928 by partners Jack Leavey and John Tyler, and originally served farmers – hence the name. The Farmers Automobile Inter-Insurance Exchange began with door-to-door sales and survived the Great Depression that hit not long after its founding.

By paying out auto damage claims in a 1930s California earthquake, Farmers became the pioneer of comprehensive auto insurance. They would continue to innovate and offer new types of coverage in the following decades.

The company expanded nationwide, acquiring several other companies along the way and expanding into many types of insurance coverage. In 1998 Farmers itself was acquired by Zurich Financial Services.

Today Farmers operates as a group of companies that includes the three major Exchanges — one of which is the main company, Farmers Insurance Exchange.

Moving another level down the organization chart, there are a handful of fairly popular insurance companies that ride under the Farmers banner. They include:

In 2015, Farmers ranked as the fifth largest car insurance company in the U.S. with five percent of the market share.

They dropped into ninth place in 2016 with 2.56 percent of the market share. That number rose back up close to the 2015 level in 2017 at 4.48 percent, earning them a ranking of seventh.

The car insurance industry has been leaning in favor of direct-buy companies for several years, with internet-centric insurers like Geico and Progressive climbing the ranks to the detriment of old-school agent-driven companies like Farmers.

The 2016 drop, however, seems to be an anomaly as the company recovered a lot of ground the following year.

Farmers Sales Approach

Farmers operates with a captive agent model, which means that their products are sold by agents that work solely and specifically for them. That’s different from an independent agent that sells policies from a variety of companies.

The main source of sales for Farmers is their agents.

Like most such companies, they have adapted to the modern age, and some policies can be purchased online. They also have sales available by phone.

Insurance policies that aren’t sold directly by an agent are assigned to an agent. That means that even if you buy your policy online, you will have an agent and that person will earn a commission from your policy.

You can choose your own agent rather than a randomly assigned agent, but all policies are serviced by someone specific.

Farmers Advertising

Since 2010, Oscar-winning actor J.K. Simmons has been the face of Farmers and appears in their advertisements playing University of Farmers’ Professor Nathaniel Burke.

The current ad campaign from Farmers follows on a history of showing the many different claims the company has covered. Based on real claims files, the “Hall of Claims” ads show some of the more absurd and laughable claims the company has seen.

“We know a thing or two because we’ve seen a thing or two” sums up the company’s view of the many different situations they have handled.

Farmers has had basically the same logo since its inception, although in 2013 it saw an update, freshening the look but keeping the same idea. The company finishes each ad with the simple “We are Farmers” slogan.

The general approach is to present Farmers as the company that can be trusted because it’s been around a long time and has seen and covered just about anything imaginable.

We’ll look at how well they live up to that promise.

Community Service

Farmers is involved in a variety of philanthropic activities benefitting local communities and focused on some specific groups.

Their Suits for Soldiers campaign is part of a company-wide initiative to assist veterans with transitioning to civilian life. The program gathers and distributes professional attire to veterans entering the civilian workforce.

Farmers also provides a variety of education and job opportunities for veterans directly with the company and as agents.

The company supports agent and employee efforts with their Volunteer Incentive Program and Matching Education Gifts Program.

The Farmers Family Fund takes care of employees and their families directly by providing financial assistance in times of crisis or unexpected hardship.

A number of the company’s efforts are focused on disaster preparation and response, as well as rebuilding communities affected by disasters such as tornadoes and hurricanes.

Each year, Farmers gives grants to schools through their Thank America’s Teachers program; in 2018 they gave away more than $1 million in grants.

Farmers’ Position For The Future

Farmers is an old company that is successfully moving into the modern age, a necessity for old-school insurers in the age of the mobile app and no-middle-man insurance sales.

Although their place in the market share ranking has changed over the years, they remain a top-ten company on stable financial footing.

Their customer service ratings have been improving, and they appear to be responding to the needs of today’s insurance shopper. They’re likely to remain a strong competitor into the future.

Employee Demographics

Nearly 60 percent of Famers employees have been with the company for up to 10 years, according to Great Places to Work.

They’re split pretty evenly by category in a further breakdown; 20 percent fall into the under two years category, while another 20 percent fall into the six to ten-year category, and 19 percent have been with Farmers 2-6 years.

Fourteen percent of Farmers employees have a tenure of more than twenty years.

Employees generally have a positive impression of the company. Farmers made the 2019 Fortune list of the Best Places to Work at number 91 and ranked at number 26 among insurance and financial services companies.

83 percent of Farmers employees surveyed say it’s a great place to work.

Farmers’ workforce is pretty diverse in terms of age, with 39 percent born before 1997 and 40 percent born between 1965 and 1980.

Awards and Accolades

We have already noted that Farmers earned a spot on the Fortune list of best places to work, but that is not the only way the company has been recognized.

In 2018, Insurance Nexus named Farmers their Carrier of the Year, an award presented to the company that has shown exceptional innovation in claims int he previous year.

Farmers has also been honored by the Human Rights Campaign as one of the companies to earn a full 100 – the highest score – on their Corporate Equality Index.

The index ranks companies on their dedication to inclusion of the LGBTQ community. The ranking earns Farmers a spot on the list of Best Places to Work for LGBTQ equality.

Cheap  Car Insurance Rates

Farmers isn’t generally seen as a low-cost car insurance company, nor do they try to position themselves that way.

Agent-driven insurers, as a general rule, put customer service and good coverage as their top draw for customers over price. That doesn’t mean that Farmers isn’t going to have competitive rates – it depends on a number of factors including where you live.

Farmers doesn’t offer car insurance in every state. Their rates vary, sometimes below and sometimes above average, and can be further affected by factors like driving record.

We’ll take a look at several samples of Farmers rates covering a variety of scenarios to see where they offer their cheapest premiums.

Rates By State

Below are some sample rates for Farmers in all of the states.

StateAverage PremiumsAnnual Premium (Farmers)Higher/LowerHigher/Lower %
Alaska$3,421.51Data Not AvailableData Not AvailableData Not Available
Alabama$3,566.96$4,185.80$618.8417.35%
Arkansas$4,124.98$4,257.87$132.893.22%
Arizona$3,770.97$5,000.08$1,229.1132.59%
California$3,688.93$4,998.78$1,309.8535.51%
Colorado$3,876.39$5,290.24$1,413.8536.47%
Connecticut$4,618.92Data Not AvailableData Not AvailableData Not Available
District of Columbia$4,439.24Data Not AvailableData Not AvailableData Not Available
Delaware$5,986.32Data Not AvailableData Not AvailableData Not Available
Florida$4,680.46Data Not AvailableData Not AvailableData Not Available
Georgia$4,966.83Data Not AvailableData Not AvailableData Not Available
Hawaii$2,555.64$4,763.82$2,208.1886.40%
Iowa$2,981.28$2,435.72($545.56)-18.30%
Idaho$2,979.09$3,168.28$189.196.35%
Illinois$3,305.48$4,605.20$1,299.7239.32%
Indiana$3,414.97$3,437.55$22.580.66%
Kansas$3,279.62$3,703.77$424.1512.93%
Kentucky$5,195.40Data Not AvailableData Not AvailableData Not Available
Louisiana$5,711.34Data Not AvailableData Not AvailableData Not Available
Maine$2,953.28$2,770.15($183.13)-6.20%
Maryland$4,582.70Data Not AvailableData Not AvailableData Not Available
Massachusetts$2,678.85Data Not AvailableData Not AvailableData Not Available
Michigan$10,498.64$8,503.60($1,995.04)-19.00%
Minnesota$4,403.25$3,137.45($1,265.80)-28.75%
Missouri$3,328.93$4,312.19$983.2629.54%
Mississippi$3,664.57Data Not AvailableData Not AvailableData Not Available
Montana$3,220.84$3,907.55$686.7121.32%
North Carolina$3,393.11Data Not AvailableData Not AvailableData Not Available
North Dakota$4,165.84$3,092.49($1,073.35)-25.77%
Nebraska$3,283.68$3,997.29$713.6121.73%
New Hampshire$3,151.77Data Not AvailableData Not AvailableData Not Available
New Jersey$5,515.21$7,617.00$2,101.7938.11%
New Mexico$3,463.64$4,315.53$851.8924.60%
Nevada$4,861.70$5,595.56$733.8615.09%
New York$4,289.88Data Not AvailableData Not AvailableData Not Available
Ohio$2,709.71$3,423.01$713.3026.32%
Oklahoma$4,142.33$4,142.40$0.080.00%
Oregon$3,467.77$3,753.52$285.758.24%
Pennsylvania$4,034.50Data Not AvailableData Not AvailableData Not Available
Rhode Island$5,003.36Data Not AvailableData Not AvailableData Not Available
South Carolina$3,781.14$4,691.85$910.7124.09%
South Dakota$3,982.27$3,768.80($213.47)-5.36%
Tennessee$3,660.89$3,430.07($230.82)-6.30%
Texas$4,043.28Data Not AvailableData Not AvailableData Not Available
Utah$3,611.89$3,907.99$296.108.20%
Virginia$2,357.87Data Not AvailableData Not AvailableData Not Available
Vermont$3,234.13Data Not AvailableData Not AvailableData Not Available
Washington$3,059.32$2,962.00($97.32)-3.18%
West Virginia$2,595.36Data Not AvailableData Not AvailableData Not Available
Wisconsin$3,606.06$3,777.49$171.434.75%
Wyoming$3,200.08$3,069.35($130.73)-4.09%

Farmers tends to have rates below the average in the Midwest, with the cheapest state being Minnesota. Rates in the Land of 10,000 Lakes are more than 28 percent below average.

The most expensive state to carry Farmers as your auto insurer is Hawaii, where rates are 86 percent above average.

Rates Compared to Other Companies

Here’s a look at Farmers compared to nine other top companies on a state-by-state basis.

StateAverage Annual PremiumsAllstateAmerican FamilyFarmersGeicoLiberty MutualNationwideProgressiveState FarmTravelersUSAA
Alaska$3,421.51$3,145.31$4,153.07Data Not Available$2,879.96$5,295.55Data Not Available$3,062.85$2,228.12Data Not Available$2,454.21
Alabama$3,566.96$3,311.52Data Not Available$4,185.80$2,866.60$4,005.48$2,662.66$4,450.52$4,798.15$3,697.80$2,124.09
Arkansas$4,124.98$5,150.03Data Not Available$4,257.87$3,484.63Data Not Available$3,861.79$5,312.09$2,789.03$5,973.33$2,171.06
Arizona$3,770.97$4,904.10Data Not Available$5,000.08$2,264.71Data Not Available$3,496.08$3,577.50$4,756.25$3,084.74$3,084.29
California$3,688.93$4,532.96Data Not Available$4,998.78$2,885.65$3,034.42$4,653.19$2,849.67$4,202.28$3,349.54$2,693.87
Colorado$3,876.39$5,537.17$3,733.02$5,290.24$3,091.69$2,797.74$3,739.47$4,231.92$3,270.77Data Not Available$3,338.87
Connecticut$4,618.92$5,831.60Data Not AvailableData Not Available$3,073.66$7,282.87$3,672.34$4,920.35$2,976.24$6,004.29$3,190.00
District of Columbia$4,439.24$6,468.92Data Not AvailableData Not Available$3,692.81Data Not Available$4,848.98$4,970.26$4,074.05Data Not Available$2,580.44
Delaware$5,986.32$6,316.06Data Not AvailableData Not Available$3,727.29$18,360.02$4,330.21$4,181.83$4,466.85$4,182.36$2,325.98
Florida$4,680.46$7,440.46Data Not AvailableData Not Available$3,783.63$5,368.15$4,339.60$5,583.30$3,397.67Data Not Available$2,850.41
Georgia$4,966.83$4,210.70Data Not AvailableData Not Available$2,977.20$10,053.44$6,484.90$4,499.22$3,384.88Data Not Available$3,157.46
Hawaii$2,555.64$2,173.49Data Not Available$4,763.82$3,358.86$3,189.55$2,551.83$2,177.93$1,040.28Data Not Available$1,189.35
Iowa$2,981.28$2,965.86$3,021.81$2,435.72$2,296.16$4,415.28$2,735.44$2,395.50$2,224.51$5,429.38$1,852.57
Idaho$2,979.09$4,088.76$3,728.79$3,168.28$2,770.68$2,301.51$3,032.19Data Not Available$1,867.96$3,226.29$1,877.61
Illinois$3,305.48$5,204.41$3,815.31$4,605.20$2,779.16$2,277.65$2,711.81$3,536.65$2,344.88$2,499.76$2,770.21
Indiana$3,414.97$3,978.81$3,679.68$3,437.55$2,261.07$5,781.35Data Not Available$3,898.00$2,408.94$3,393.75$1,630.86
Kansas$3,279.62$4,010.23$2,146.40$3,703.77$3,220.65$4,784.42$2,475.59$4,144.38$2,720.00$4,341.43$2,382.61
Kentucky$5,195.40$7,143.92Data Not AvailableData Not Available$4,633.59$5,930.97$5,503.23$5,547.63$3,354.32$6,551.68$2,897.89
Louisiana$5,711.34$5,998.79Data Not AvailableData Not Available$6,154.60Data Not AvailableData Not Available$7,471.10$4,579.12Data Not Available$4,353.12
Maine$2,953.28$3,675.59Data Not Available$2,770.15$2,823.05$4,331.39Data Not Available$3,643.59$2,198.68$2,252.97$1,930.79
Maryland$4,582.70$5,233.17Data Not AvailableData Not Available$3,832.63$9,297.55$2,915.69$4,094.86$3,960.87Data Not Available$2,744.14
Massachusetts$2,678.85$2,708.53Data Not AvailableData Not Available$1,510.17$4,339.35Data Not Available$3,835.11$1,361.86$3,537.94$1,458.99
Michigan$10,498.64$22,902.59Data Not Available$8,503.60$6,430.11$20,000.04$6,327.38$5,364.55$12,565.52$8,773.97$3,620.00
Minnesota$4,403.25$4,532.01$3,521.29$3,137.45$3,498.54$13,563.61$2,926.49Data Not Available$2,066.99Data Not Available$2,861.60
Missouri$3,328.93$4,096.15$3,286.90$4,312.19$2,885.33$4,518.67$2,265.35$3,419.14$2,692.91Data Not Available$2,525.78
Mississippi$3,664.57$4,942.11Data Not AvailableData Not Available$4,087.21$4,455.94$2,756.53$4,308.85$2,980.48$3,729.32$2,056.13
Montana$3,220.84$4,672.10Data Not Available$3,907.55$3,602.35$1,326.11$3,478.26$4,330.76$2,417.74Data Not Available$2,031.89
North Carolina$3,393.11$7,190.43Data Not AvailableData Not Available$2,936.69$2,182.71$2,848.03$2,382.61$3,078.65$3,132.66Data Not Available
North Dakota$4,165.84$4,669.31$3,812.40$3,092.49$2,668.24$12,852.83$2,560.35$3,623.06$2,560.53Data Not Available$2,006.80
Nebraska$3,283.68$3,198.83$2,215.13$3,997.29$3,837.49$6,241.52$2,603.94$3,758.01$2,438.71Data Not Available$2,330.78
New Hampshire$3,151.77$2,725.01Data Not AvailableData Not Available$1,615.02$8,444.41$2,491.10$2,694.45$2,185.46Data Not Available$1,906.96
New Jersey$5,515.21$5,713.58Data Not Available$7,617.00$2,754.94$6,766.62Data Not Available$3,972.72$7,527.16$4,254.49Data Not Available
New Mexico$3,463.64$4,200.65Data Not Available$4,315.53$4,458.30Data Not Available$3,514.38$3,119.18$2,340.66Data Not Available$2,296.77
Nevada$4,861.70$5,371.62$5,441.18$5,595.56$3,662.09$6,201.55$3,477.14$4,062.57$5,796.34$5,360.41$3,069.07
New York$4,289.88$4,740.97Data Not AvailableData Not Available$2,428.24$6,540.73$4,012.93$3,771.15$4,484.58$4,578.79$3,761.69
Ohio$2,709.71$3,197.22$1,515.17$3,423.01$1,867.19$4,429.74$3,300.89$3,436.96$2,507.88$3,135.16$1,478.46
Oklahoma$4,142.33$3,718.62Data Not Available$4,142.40$3,437.34$6,874.62Data Not Available$4,832.35$2,816.80Data Not Available$3,174.15
Oregon$3,467.77$4,765.95$3,527.28$3,753.52$3,220.12$4,334.55$3,176.83$3,629.13$2,731.48$2,892.19$2,587.15
Pennsylvania$4,034.50$3,984.12Data Not AvailableData Not Available$2,605.22$6,055.20$2,800.37$4,451.00$2,744.23$7,842.47$1,793.37
Rhode Island$5,003.36$4,959.45Data Not AvailableData Not Available$5,602.63$6,184.12$4,409.63$5,231.09$2,406.51$6,909.45$4,323.98
South Carolina$3,781.14$3,903.43Data Not Available$4,691.85$3,178.01Data Not Available$3,625.49$4,573.08$3,071.34Data Not Available$3,424.77
South Dakota$3,982.27$4,723.72$4,047.47$3,768.80$2,940.29$7,515.99$2,737.66$3,752.81$2,306.23Data Not AvailableData Not Available
Tennessee$3,660.89$4,828.85Data Not Available$3,430.07$3,283.42$6,206.69$3,424.96$3,656.91$2,639.30$2,738.52$2,739.28
Texas$4,043.28$5,485.44$4,848.72Data Not Available$3,263.28Data Not Available$3,867.55$4,664.69$2,879.94Data Not Available$2,487.89
Utah$3,611.89$3,566.42$3,698.77$3,907.99$2,965.57$4,327.76$2,986.57$3,830.10$4,645.83Data Not Available$2,491.10
Virginia$2,357.87$3,386.80Data Not AvailableData Not Available$2,061.53Data Not Available$2,073.00$2,498.58$2,268.95Data Not Available$1,858.38
Vermont$3,234.13$3,190.38Data Not AvailableData Not Available$2,195.71$3,621.08$2,128.21$5,217.14$4,382.84Data Not Available$1,903.55
Washington$3,059.32$3,540.52$3,713.02$2,962.00$2,568.65$3,994.73$2,129.84$3,209.52$2,499.78Data Not Available$2,262.16
West Virginia$2,595.36$3,820.68Data Not AvailableData Not Available$2,120.80$2,924.39Data Not AvailableData Not Available$2,126.32Data Not Available$1,984.62
Wisconsin$3,606.06$4,854.41$1,513.27$3,777.49$3,926.20$6,758.85$5,224.99$3,128.91$2,387.53Data Not Available$2,975.74
Wyoming$3,200.08$4,373.93Data Not Available$3,069.35$3,496.56$1,989.36$3,187.20$4,401.17$2,303.55Data Not Available$2,779.53

You’ll note that while Minnesota stands out as the cheapest state for Farmers, they aren’t the cheapest option among the top companies in that state – in fact, most of the top companies have rates that are below average.

Rates By Commute

Does Farmers ding you on rates for having a long commute? Take a look at the average rates.

Commute TypeFarmers Average Rate
10-mile, 6,000 miles annually$4,179.32
25-mile, 12,000 miles annually$4,209.22

The answer is not really – Farmers shows a very small increase in annual rates for a daily commute that’s more than double the length.

Rates By Coverage Level

Insurance companies generally increase the cost of a policy based on the amount of coverage it includes. This makes sense since their possible payout in a claim increases based on the limits you choose, so they charge more for higher limits. Below you’ll see rates for Farmers at three levels of coverage.

Coverage LevelFarmers Average Rate
Low$3,922.47
Medium$4,166.22
High$4,494.13

It will cost you close to $600 a year to make the jump from low to high coverage, which breaks down to less than $50 a month. For many people, that’s a lot of money to add to the monthly budget, but if you have a lot of assets to protect it’s well worth the expense.

Rates By Credit History

Most companies (in states where they are legally permitted to do so) use credit history as one of the factors for calculating rates. People with poor credit pay the most; at Farmers the difference between poor and fair credit is around $1,000.

Credit HistoryFarmers Average Rates
Poor$4,864.14
Fair$3,899.41
Good$3,677.12

The average credit score in America for 2017 was 675, according to Experian. 21.2 percent of people had a score of below 600, which would likely put them in Farmers’ most expensive category.

Rates By Driving Record

A clean record will always get you the best insurance rates no matter the company. But accidents happen and mistakes are made – so how much will they cost you at Farmers?

Driving RecordFarmers Average Rate
Clean Record$3,460.60
1 Speeding Ticket$4,079.01
1 Accident$4,518.73
1 DUI$4,718.75

A DUI will cost you more than either a speeding ticket or an accident, but none of the sample situations shown have an astronomical increase in rates. Still, the clean record is by far the cheapest rate.

Insurance Coverage at Farmers

Let’s take a look at their extensive list of product offerings.

  • Car Insurance – Like most large consumer insurance companies, this is their bread and butter. Whether you are looking for a state minimum liability or full coverage policy, Farmers can make it happen.
  • Home Insurance – Homeowners insurance and condo insurance fall under this category. Customers can get standard coverage options, as well as popular add-ons like scheduled personal property and identity theft protection.
  • Renters Insurance – Similar to home insurance policies, except they do not cover the structure. Farmers’ renters insurance policies are fairly standard compared to competitor’s offerings.
  • Life Insurance – These products are not technically sold under the primary Farmers Insurance brand, but rather a subsidiary. The usual suspects are available: term life insurancewhole life insurance and variable life insurance.
  • Business Insurance – Although typically thought of as a personal insurance company, Farmers does offer a number of business insurance products such as workers compensation, business liability, business auto, and commercial property.
  • Motorcycle Insurance – It’s easy to assume that Geico is the only company that sells motorcycle insurance, since they seem to be the only one advertising it. However, Farmers offers basically the same coverage.
  • Recreational Insurance – Farmers offers coverage for RVs, boats, off-road vehicles, motor homes, travel trailers, and 5th wheels.
  • Umbrella Insurance – This serves as an extension of auto and home insurance policies, by adding a sizeable amount to the overall liability coverage. It also can fill in the gaps where a typical home insurance policy may fall short. For example, if you are sued for libel or slander, umbrella policies can often pick up the attorney fees and/or judgment costs.

Types of Car Insurance Coverage

Farmers writes both liability-only and full coverage insurance policies, with a range of options and add-ons that can customize your coverage.

The basics of a car insurance policy start with your state’s legal requirements. Depending on where you live, that may include some form of no-fault insurance coverage in addition to bodily injury and property damage liability.

Farmers has a full range of liability products available, some of which are only available in specific states to meet no-fault laws.

  • Bodily Injury Liability
  • Property Damage Liability
  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured/Underinsured Motorist Property Damage
  • Personal Injury Protection (PIP)
  • Medical Payments (Med Pay)

Depending on where you live, some of the above may be optional coverages. Farmers also offers a good selection of additional coverage, including the most popular options

  • Collision
  • Comprehensive
  • Towing and Roadside Assistance
  • Rental Reimbursement
  • New Car Replacement
  • Customized Equipment
  • Personal Liability Umbrella
  • Accident Forgiveness
  • Loss of Use (flat fee coverage)
  • Glass Buy-Back
  • Original Equipment Manufacturer (OEM) Parts

Farmers’ list of options is a little more extensive than some other companies and includes some unusual options. The Loss of Use coverage, in particular, stands out since it will pay not just for a rental vehicle, but also for costs like taxi or rideshare fares.

It pays out one flat amount you can use however you like to get around while your car is being repaired.

Bundling With Farmers

Farmers offers quite a few bundling options. In addition to a discount for having more than one policy in force with the company, you can bundle auto insurance with home, life, renters, and umbrella coverage.

Some specialty policies can also be bundled, such as a boat policy. Bundling options depend on the state, and so does the amount – if any – of the discount for bundling.

Area of Operation

Farmers writes auto insurance policies in all states and the District of Columbia.

Additional Options From Farmers

Farmers generally shies away from trendy car insurance add-ons, but that doesn’t mean they don’t offer some of the latest options.

Rideshare insurance from Farmers is available for anyone who drives for a service like Uber or Lyft, helping to fill in the coverage gaps between a personal insurance policy and the commercial liability provided by the rideshare company.

Classic & Collector Car coverage is a special car policy that provides the right protection for vehicles of special value. The policy includes coverage at car shows including trips abroad, replacement parts coverage, and agreed value coverage for a total loss.

Farmers Car Shopping Service with TRUECar is the company’s vehicle purchasing service, which helps make shopping for a new or used car easier and can provide a lower purchase price as well as other benefits.

Farmers Guaranteed Repair Program connects customers with approved repair shops that will offer guaranteed work and direct claims service.

Farmers is a little behind the curve when it comes to usage-based insurance.  Their program, called Signal, was launched in 2017 and is currently only available in Arizona. The app not only tracks driving behavior but also aims to reduce distracted driving by monitoring signs of phone use.

Discounts

Farmers lists their available discounts by state. To provide a list of options, we chose the company’s home state of California; not all of these will be available in every state, but it should be similar.

There’s no information given in regards to the percentage of the discount earned for any of the listed options.  Here’s what’s available in California:

  • Multi-Car
  • Multi-Line
  • Business and Professional Group
  • Driver Training
  • Good Student
  • Alternative Fuel
  • Loyalty
  • Homeowner
  • Anti-lock Brakes
  • Anti-Theft Device
  • Electronic Stability Control
  • Passive Restraint (seatbelts and airbags)
  • Good Driver
  • Senior Defensive Driving
  • Military
  • Full Payment
  • Paperless Billing/Documents

This list includes all of the most common discounts. They also have a few that are less common, such as the military and alternative fuel discounts.

Farmers also offers affinity discounts to a wide range of professionals and group members; it’s well worth asking if you belong to any of the groups that get a rate cut.

How To Make a Claim

Before we talk about the Farmers claims experience, we will take a look at the company’s loss ratios.

A loss ratio tells us how the company is performing in terms of claims payments to premiums collected. If a company has a high loss ratio, they are paying out too much. Over 100 and the company is paying out more than it’s taking in, putting it at risk of financial problems.

A low loss ratio isn’t good either. It means the company isn’t paying out as much as they should be based on how much they’ve earned in premiums.

Farmers Premiums and Loss Ratio201520162017
Direct Premiums Written$9,985,969$10,304,622$10,364,451
Loss Ratio66.88%68.82%65.52%

Farmers loss ratios have been fairly stable, with their direct premium numbers rising a little each year. The loss ratio number did drop between 2016 and 2017. However, the industry total loss ratio also dropped in that time period from 71.84 percent to 68.87 percent.

That still puts Farmers’ loss ratios below average, but not alarmingly so.

So on to the question of how Farmers handles claims!

There are several methods of filing a claim with Farmers:

  • Contact your agent directly
  • Call the 24/7 claims line at  1-800-435-7764
  • File your claim online, either as a Farmers customer with a login, by policy number without a login, or as a guest involved in an accident with a Farmer’s insured.
  • Use the Farmers mobile app

This is a lot of choices, two of which will put you in touch with a real person, and two of which allow you to handle your claim electronically. Which you prefer likely depends on the type of claim, so it’s good to see options.

Options also make the claims process easier. Farmers may not be considered the most modern insurance company, but they have definitely moved claims into the modern age.

Both the website and the app allow easy uploading of claim documents and photographs, and both also allow the insured to track the claim rather than waiting to hear back from an adjuster.

In the past Farmers has struggled with some poor customer satisfaction ratings in the claims department, but that has changed. As we mentioned in the rating section, J.D. Power now gives them an excellent score for claims satisfaction.

How To Get a Quote Online

Farmers online quoting system allows you to compare their rates to other companies before you buy, and without the need to call an agent.

Quotes can be started right from the Farmers home page. To get started, you will need to enter your zip code.

Farmer's Quote

 

The next page will ask you to enter your name, address, date of birth, and gender, and also ask if you are currently insured.

Farmers will then use this information to pull up records for your name and address, starting with the information about your vehicles. you can select from the list of vehicles or add any that aren’t listed.

Farmers Quote

 

Next, you will confirm driver information, and after this, the quoting system will ask for your email address and your phone number.

Farmers Quote

 

This is the point of no return for avoiding solicitation; Farmers will pass your contact information to the local agent who is assigned to your quote, and they’ll follow up either on the phone or via email.

Like most agent-driven insurance companies, Farmers counts on agents to close the deal.

If you aren’t willing to enter your contact information here, you won’t be able to complete the quote online. This is also the point where Farmers will ask for your social security number, but entering it is optional.

Here’s what Farmers requires you to provide to get a quote online.

InformationRequired/Not Required
Driver's License NumberNot required
Social Security NumberNot required
Phone NumberRequired
Email AddressRequired
Vehicle Identification NumberNot required

Bear in mind that if you like the quote and want to proceed, you will have to provide all of the information listed, and if you don’t enter your social during the quote it could affect the final rate.

Farmers Website and App

The Farmers website is well-designed, and it’s easy to locate the most common pieces of information. Drop-down menus take visitors directly to product details, claims procedures, and company information.

The front-page quote box takes you right to the quote system if you’re just looking for numbers.

The website does lack some detail, particularly in the area of product details. The site doesn’t provide a lot of clear information on the coverage options, and we found we had to dig a bit for discount information. Even then, the amount of each discount wasn’t listed.

This lack of detail is meant to encourage visitors to reach out to an agent – like we already said, agents are trained to close the deal. Certainly, talking to an agent isn’t a bad thing and can help you to better understand your options, but we would like to see more detail readily available online.

The Farmers Mobile App can be downloaded free for iPhone or Android. It offers the following features:

  • Access to policy details
  • Electronic proof of insurance
  • Claims filing and tracking
  • Billing and payments
  • Agent contact

The app has a 4.8 rating in the iTunes app store, and a 3.9 rating on the Google Play store. Most users declare it easy to use, although a few report difficulty with launching the app and registering for an account.

Farmers app

 

Pros and Cons

We’ve covered a lot of information about Farmers, but what does it all really come down to? As with most companies, you will have to weigh Farmers’ strengths against the areas where they are weaker and decide what that means for you.

ProsCons
Solid, dependable company with a good financial base.Rates are above average in most states.
High claim satisfaction ratingsLimited selection of add-ons
Good for bundlingNot available in all states

Farmers is a long-standing company that has been working hard to improve the claims experience and stay on top of technology.

They offer a good combination of the old-school agent service and the modern approach. They’re unlikely, to be the cheapest option for most people, but the cheapest is not always the best.

Frequently Asked Questions

Still have some questions about Farmers? We have a few more common questions and answers here, and you can head over to the Farmers website for more.

How do I qualify for the Good Student Discount at Farmers? Farmers offers the Good Student discount to anyone who has less than nine years of driving experience and meets one or more of the following criteria:

  • maintains a B average
  • Has a GPA of 3.0 or higher
  • Is in the top 20 percent of their class
  • Is on a Dean’s List or Honor Roll

You’ll need to present proof in the form of transcripts or other documentation and re-qualify at regular intervals.

Can I choose my own Farmers agent or change agents? Yes. You can select a different agent from the one selected for you prior to taking out a policy. You can also request that your policies, once in force, be transferred to a different agent.

After you do take out a policy with a specific agent, Farmers won’t change your agent without your permission, unless your agent is no longer working with Farmers.

Can I quote my auto and home together to see the discount? Yes, Farmers’ quoting system allows you to run quotes for both your cars and your home at the same time. You will be able to see what the discount would be for the auto policy while also comparing rates on home insurance.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

Summary
Review Date
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Farmers Insurance
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

41 Comments

  1. I had an accident on Dec 15th around 1:30 pm….I missed my last pymt on Nov. 22nd. So by law I figured I have up to 30 days to make a pymt to prevent from not being covered. I made a claim at the call center and was told to call adjuster [Redacted] to discuss the accident. She basically stated that there was nothing she could do for me since I missed a pymt for the first time on Nov 22nd. The franchise owner, [Redacted], from [Redacted], here in Carrollton called me at 5 pm wanting to know when I would make my insurance pymt? No thank you…I’ll go back to State Farm. Ridiculous insurance company. Anyone with money can be a franchisee!

    Reply
  2. I am disgusted with Farmers. The first agent aka :Ms. [Redacted]” lied on application for car insurance so she could sell policy at reasonable rates. I had had aminor fender bender one yr prior and wrote policy for lesser rate. When underwriting notified me 3 months later I owed additional $500 I asked her and she advised to go find officer and ask him to amend report ONE YEAR later to no fault and correction would be made. SORRY that is fraud and no policeman is going to commit fraud. I then spike to agency owner who kept making excuses for her. Consequently I requested change of agent and was told by district mgr not possible.
    I called customer service for assistance unfortunately a bigger cast of idiots. Two days later I called CEO admin assistant snd managed to get new agent and was assured Farmers didn’t tolerate agents who misled clients. I left specific instruction for that agent to cease phone and written communications with me which she ignored as she was attempting to apologize. I ended up blocking her #. Thought that was end of problems. Nope. Home ins was up for renewal she debited mortgage company without my knowledge or approval for annual premium which I pay monthly. 6 months later. . I was able to get resolved after calling corporate office. This is the worse company to deal with as far as customer service as those reps are clueless. After issues I have had and was told by corporate staff “Ms. [Redacted]” has her own farmers agency despite having complaints filed with state ins. commission and corporate acknowledging her practices were unethical.

    Reply
  3. The representative [Redacted] who works for [Redacted] is a uneducated and rude rep. This company sure knows how to hire the best. This is what happens when you pay someone minimum wage and dont record any calls. Corporate should get it together. You guys will be blown out soon with your competition if you keep hiring bafoons like this. You guys are better then that

    Reply
  4. After reading all of the bad reviews about Farmers Insurance Company I just thought I would put my two cents worth in. My agent [Redacted] had convinced me that Farmers Insurance that he rights policies for was very good at paying claims. I had never filed a Insurance claim in my life and I am 55 years old. Unfortunately after a couple of years of being insured with farmers I had wind and hail damage to my roof that was obvious beyond the naked eye. When Farmers sent the adjuster out name [Redacted] he explained that he was there to help me all he could. No one has never told such a big lie. When he finally contacted me he said I could get my roof fixed for a little over $300. What a joke. Every licensed roofer that looked at my roof laughed and said it was so obvious from the ground that the roof needed total replacement. [Redacted] disagreed. I called my agent [Redacted]. He told me he has had so much problem with that particular adjuster that he was thinking about changing jobs. Another joke! He even told me about a elderly lady that he knew that had damage and had to spend around $12,000 out-of-pocket expense because the adjuster for Farmers Insurance could not find much damage. The agent [Redacted] said he felt sorry for her because he felt she should get her claim paid and she had a lot of medical problems and the stress of the claim not being paid was just adding to her medical problems. All of these people undoubtably have no heart! As of now I am getting a bill from Farmers Insurance for a hundred and $3 for some crazy reason even though I canceled my insurance with them and bought insurance from another company. Every time I talk to the agent [Redacted] he sympathizes with me but yet he does not mind making a living off of a insurance company that will not pay a claim that even he feels that they should. If he disputes this comment I have the conversation of him and I recorded and would be glad to play it for him or anyone else that would like to hear it. I would never have insurance with Farmers again regardless of the situation.

    Reply
  5. My husband and I are purchasing a new home. I contacted a Farmers agent, as well as agents from several other companies. The quotes I received from the Farmers agent were very comprehensive and offered many options (not so with the other companies). I called the Farmers agent to discuss the options and came out of the conversation feeling I’d chosen the perfect fit for our insurance needs. We are bundling our home and car insurance and receiving an additional discount because my husband is a retired military veteran. The premium we will be paying is NOT out of line with premiums from other companies, and, yet, Farmers offered far more options in coverage. Obviously, I’ve never had to make a claim, but, for initial contact, follow-up conversations, and satisfaction in the decided upon policy, we are very happy. I would definitely recommend our local Farmers agent to anyone.

    Reply
    • I hope you never have to file a claim with Farmers Insurance or you will probably write a different review. I am telling you this from experience because I liked their rates also.

      Reply
  6. [Redacted] bought this agency from [Redacted]. She had been my agent for over twenty years insuring my business and personal property. I was very happy with her service. [Redacted] has given me nothing but grief since he took over. He has refused to give me a strait forward review of my policies. I have an Email from his assistant at the end of January stating that one commercial vehicle was taken off the policy and another was added. I just found out that I am still paying for insurance on the removed vehicle. I was told by another Farmers agent that I am unable to switch agents.

    Reply
    • I was very unhappy with a former Farmers agent, I contact the General Manager for the area and he helped me transfer to a different Farmers agent, within a few conversations.

      Reply
  7. Those people are the worst customer service and worst company’s image ever, especially their agent [Redacted] (their agent) at Bristol west, they are thieves that trying to steal people’s money. I have asked for my policy to be canceled before the monthly premium, then I have surprised by them deducting the monthly payment after cancellation and they don’t want to refund it.
    They are all thieves, i will never ever recommend you to any of my friends or relatives.

    Reply
  8. I found insurance at a much better rate. Secured the other insurance call agent before this policy was due told him not to renew, cancel on the renewal date. I then received a bill charging me for a period from renewal date to their cancel date for non pay. When confronting the agent I was basically just threatened with going on my credit report if I didn’t pay.

    Reply
  9. I’ve had Farmers insurance for more than 13 years. I recently took my husband off my policy because he lives and works in another state. I was charged $205.00 for doing this. When I called to find out why I was given all kinds of excuses. That’s our policy, he must be a better driver, maybe his credit is better oh and the best one married people get cheaper insurance when I said we’re still married it didn’t count because we don’t live together. I can honestly say Farmers is the WORST insurance ever. I’m so glad my agent is finding me new insurance.

    Reply
  10. My wife was involved in an accident with a party who had Farmers insurance. This occurred inside her companies plant site, and was investigated by the internal Industrial Security personnel. The report that was submitted by the Industrial Security department found the Farmers insured vehicle to be totally at fault. But the Farmers representative determining liability refused to accept that. After six months of argument, they finally came down to my wife being 20% responsible. We gave up – and finally agreed to that, although we considered taking them to court. Now the Farmers rep who is handling the damage assessment is giving as a low ball estimate for the damage repair and refuses to accept any information from independent body shops to dispute their estimate, and so far has not provided any information on how they came up with their estimate. I intend to go up thru Farmers management chain to complain about this whole experience. And I still may take them to court.

    Reply
  11. After many years with Farmers I called to update my auto policy to drop my son, who had moved out of my house. I get a notice from Farmers telling me I need to sign a driver’s exclusion form. Upon reading the form it states that Farmers will not cover my son if he is driving my vehicle, even if give him permission. I contacted my agent in reference to this and he tried to smooth it over by going line by line of the exclusion form. I had to stop him mid way through explaining to him I deal with policies on a daily basis and have for over the last 27 years. When a document says “will not” it is just that, will not. My agent requested different forms of proof that my son no longer lived with me and insurance on his vehicle. I provided this to him, to include a copy of my son’s new insurance verification form, oh his policy is with Farmers too, just no my agent. After dealing with this for several weeks now they still require me to sign the document or provide further proof my son no longer resides with me or they will continue to charge me for someone that no longer lives in my house. The short of it is I can throw my keys to a bum on a street corner and they would be covered under a permissible driver, but if I was to toss the keys to my son or have him drive on a long family trip he would not be covered. What a joke. Searching for insurance is a pain, but here I go again after almost 20 years with them.

    Reply
    • The same thing has happened to us. Were you able to resolve anything? My son graduated from college and we kept him on our policy until he got a job and was able to pay down some debt. He also just got a policy with Farmer’s. The next hit will be the daughter. We were planning on getting her off in the next few months, but they will not be able to even borrow a car when their cars are in the shop. Any information would be greatly appreciated.

      Reply
  12. Farmers Insurance is the worst Insurance company for Car Insurance you can have. June 9th my wife had a minor accident and we submitted a claim to Farmers for the 2 vehicles to be repaired. As per Farmers agent I was able to take my car to be repaired by anyone of many collision repair centers in my area. After agreeing to repair my car at a local collision shop, Farmers adjuster went to the collision repair shop to provide them with what hey will cover. After waiting two and half weeks for my car to be released the collision center informs me that Farmers will not cover 100% of your car repair. I was unhappy with this decision and I was told I would have to pay additional payment of $1,016.53 to be paid by me, as the consumer who has insurance with Farmers. I would recommend anyone thinking of getting a car insurance to think twice about taking Farmers as their first choice. I am out $1,016.53 because Farmers would not pay for the original car parts that my repair shop recommended. He also mentioned that he will not place aftermarket parts and endanger my family’s safety. I am very upset and I dont have the money to pay for this repair. I was never part of the discussion with the adjuster and the collision repair shop. I am really angry and also considering dropping Farmers as my Insurance for Home and Car which I currently have.

    Reply
    • This is actually the repair shop. The repair shop’s job is to increase the bill as much as possible because they are a small business. The insurance company is a business as well, and they have to watch their bottom line as well. If you have vehicle that is a couple years old with over 20k miles…you’re not going to get a new part (doesn’t matter which insurance company you go to). The shop knows what they should use and how they should repair a car. They can’t just repair the car however they want and send the insurance company a bill. You’re going to find this issue with any insurance company, not just Farmers. You’re blaming the wrong the party. The insurance company tells them what is covered, if the shop decides to not go by that, that is something you must take up with the shop…which is another reason why I always recommend that you should go to shop that is a Farmers approved shop if you are actually planning on fixing your car and not pocketing the money. Sorry for the bad experience but the fault is not the insurance companies in this case…it’s just the nature of insurance.

      Reply
      • It depends on the state. In the State of Texas, it appears to be the consumer’s choice if they want OEM parts or whatever the insurer normally provides. If the covered insured says they want OEM parts because that is the only way the car will be returned to its original state, the insurer appears to have to cover this. Indeed, it appears the additional cost of $1016 may even be illegal; however, I’m not a lawyer and one would have to be consulted on this matter for accurate information.

        Please read http://www.tdi.texas.gov/rules/bor-auto-english.html

        Reply
  13. I have NEVER HAD A CLAIM on my homeowners policy and Farmers raised my homeowners premium by 42% in ONE YEAR. I had not had an accident with my auto in 25 years and got a scratch on my door from rubbing a pole. I made the mistake of claiming it on my auto policy (isn’t that why you have insurance?). Farmers raised my auto policy by 35%. I had a $1,500 deductible already since the auto policy was so high so I basically paid for the repair PLUS received a 35% increase on my policy. DO NOT PURCHASE INSURANCE FROM FARMERS INSURANCE COMPANY.

    Reply
    • The scratch is a claim and all companies will surcharge you on renewal. Never report small auto or home claims, the surcharges are not worth it.

      Reply
  14. I was rear ended by an Farmer’s insured inside of an automatic carwash.They claim didn’t receive the estimate from the Chyrsler dealers which was $2083. 43 . So they sent out one of adjuster who decided he was only going to replace my bumper in the back ($559.00) and not repair the damages on both sides of my vehicle where she knocked me against the scrubbers and hit me so hard I was knocked out of the carwash to the approach where you enter in with suds and bubbles all over the car, sides of my car all messed up, rear end [Redacted] up/ Then he had the audacity to not want to fix my car. They fixing this Chrysler 300 Because that what her insurance is suppose to do and that’s why she pay insurance. That’s the reason why we all have to have insurance. It’s mandatory we have and it’s mandatory for them to pay. And Farmer’s can quit sending out the insurance offers to my address because I Know from experience you are not any good. If I hit someone I want to know I can sleep at night knowing they are being taken care of verses me being sued and done paid you’ll ass to take care of me. [Redacted]

    Reply
  15. First of all I am posting on behalf of a parent who has had Farmers Group insurance for at least 47 years. I believe there was only one small claim filed with Farmers 30 yrs ago. My 84 yr old Mother has lived in the house for 47 years. We discovered a wiring problem which is a VERY much a fire hazard to the point power had to be turned off to part of the house. I consulted with Farmers (adjuster [Redacted]) Not 10 minutes into the conversation about the problem he was already telling me that the policy probably won’t cover the issue at hand. Then he went on to comparing auto policies against homeowner policies and how similiar they are. Yea right. He without looking at the policy said that they probably won’t cover the cost to repair the wiring. Unless… there is damage done from a fire. To me THEN IT WOULD BE TOO LATE. My 84 year old Mother who uses a walker would never have a chance if a fire broke out, but he was insisting that they would be able to help fix the issue IF THERE WAS DAMAGE AFTER A FIRE. Wouldn’t that cost the insurance company more then???? Even if they couldn’t help with the whole cost why not help with a portion of it. [Redacted] stood fast that Farmers wouldn’t be able to do that either. Oh he did thank me for being with Farmers as long as my parents have been. Trust me I am looking for another insurance company to replace Farmers. To me thanking me was an insult as my parents have made them money because of only one claim in all these years.. I asked to speak with a supervisor and was given [Redacted]. He too told me the same thing and that he understood how I felt. HOW CAN THEY UNDERSTAND ANYTHING. They don’t have an issue that is a HIGH FIRE HAZARD where THEIR 84 YR OLD MOTHER LIVES!!!!!! Unsympathic greedy [Redacted]! Now I am having to search for a licensed electrician so the I WILL PAY TO DO THE REPAIRS AND NOT FARMERS. I will also be moving my Mother’s policy to someone who cares enough to try to help instead of MAKING MONEY……..What a racket!!!

    Reply
    • Insurance is to compensate you for loss, not to provide preventative maintenance or to upgrade your home.
      Would you expect an insurance to pay for a brake job on your car?

      Reply
  16. Being Penalized by credit reports for paying off my mortgage and auto loan early. Also paid credit card in full each month. Have not used the line of credit of $50,000 in years. Farmer’s does not give the best rate because of the credit report. Then another insult they send a credit card application at a rate 4% higher then my credit card. I looking for a new insurer after 20 years.

    Reply
    • Good luck finding one nowadays that doesn’t rate based on credit. I’ve been in the industry 12 years and worked with about 25 different companies. ALL rated based on credit.

      Reply
  17. farmers is the biggest ripoff ever everyone in our neighborhood is getting new roofs because of the storms we had a few months ago but the people that have farmers insurance. they are telling everone its fromwaer and tear. my neighbor had a new roof put on 3 years ago and they denied him. we filed a claim 2 months ago and they told us they would give us 300 dollars to fix the roof and the damage inside the house then they went up on our rates. this is very wrong to do this they don’t care about you or youre home they just wont their money every month. the adjusters are just young kids that have no idea about a roof my agnet told me they are trained to say no to anything. there should be a law against this and if anyone can help I would appreachet it very much.

    Reply
  18. Farmers uses credit scoring, to calculate rates in every state but, California. What I see is that they weigh their credit factor more heavily than some other companies. So they can have rates that are unbeatable and rates that are terrible, depending on the person that they are quoting. There really isn’t a whole lot of in-between with them. To say that their rates are high is a bit of a generality in that it has a whole lot to do with the persons credit. I can quote the same house for 2 different people and might save 1 person $1000 a year and the other person might cost 3 times as much. They are selective in who they insured, but for a lot of people that ends up being a good thing. Just my 2 cents and yes, I am biased.

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  19. My husband and I were the victims of an automobile accident November 27th 2011. On our way to Craft 2000 on a Sunday afternoon. We had just bought a new Chevrolet Cruze 6 months prior. As we approached an intersection we had the green light. Coming from the other direction was a 17 year old on his first date. He was not paying attention and ran his red light. We T-boned them on the passenger side. His 15 year old passenger died instantly. Unfortunately his insurance was SafeAuto. Needless to say he didn’t have much insurance. We had Farmers..so we were not concerned. My husband had just started a new job..he had only been there for 3 weeks. He was hurt the worst. He had broken ribs and several contusions. I was just bruised very bad. We were very very lucky. Mentally we were both very upset. Our hearts were broken. Such an innocent decision on our part..to go shopping turned into our worst nightmare. We were both taken to the hospital. Against his doctors orders my husband went back to work after 2 weeks. He had no vacation yet and no benefits. We had a lot of bills to pay…so he didn’t have a choice. I had to get a ride to work because of no rental car benefits. Our car was totaled. We were told by Farmers that we could pay for the rental and be reimbursed..but decided against that. We just didn’t have the money. We finally…after 1 month got our car replaced. We lost our down payment from the one we bought previously..but finally we did get a car. 2 1/2 years and over $$100,000 dollars in medical bills later..we ended up having to sue OUR insurance company……..Farmers………. who we had been with for over 15 years and who my husband had been with all of his life. I don’t understand why we had to fight and fight for so long to get our claims paid…and to get some sort of closure to this. Farmers accused my husband of hurting himself on the job. Farmers told my husband that if he was well enough to go back to work..then he must be ok. We kept having to replay the accident over and over again..just to prove our injuries. Depositions trying to get him to say that he was hurt on the job..or maybe from something else. My husbands back is messed up for life. He is the sole breadwinner in our home. Why was Farmers accusing him of these things. Our policy stated $100,000 per person. We had never filed a claim before..we had never had an accident before. We paid our premiums every month. We ended up having to settle for $70,000 for both my husband and I. Let me first say that their first offer for my husband was $1500.00 and $200.00 for me. So insulting. We finally retained an attorney and agreed to pay them 1/3 of whatever we received. After all of this we walked away with a check for $20,000 which we had to pay medical bills out of. Or attorney paid the bulk of our medical bills out of the settlement and then they took their 1/3. I don’t get it..you pay your premiums on time every month. You never file a claim in all the years we had them. Your policy states $100,000 per per person $300,000 per accident. This was a “no fault” claim????????? We were not at fault. I could have understood if we had caused the accident…but we were the victims and then ended up being the victims again from Farmers accusations. We should never had to hire an attorney but than God we did. We pray everyday for the family of the 15 year old girl that died. We also pray that one day we will have peace from all of this. This is on our mind every day and we feel like we are still going through this nightmare. PLEASE PLEASE EVERYONE..DO NOT GO WITH FARMERS INSURANCE. After our experience we advise everyone please look elsewhere.

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  20. Would never recommend. Very biased & unprofessional claims unit.

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  21. With farmers close to twenty years , car and home. Rates just kept climbing for no reason. Had hail damage to roof. They sent an inspector (came from Wisconsin. I live in illinois). He did not even have a ladder to get on the roof. Expert denied my claim. Would never recommend Farmers to anyone.

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  22. I was involved in a wreck in Dallas, Tx. in April 2014 in which a Farmers insured caused a collision by coming into my lane and hitting my SUV on drivers side( $6,000.00 damage.) The driver said another car hit her forcing her into me but i never seen another car. Doesn’t matter, she hit me and Farmers is denying liability even though their insured admitted hitting me. Now i have to sue the driver to recover damages. Just another case of Farmers cheating everybody on both sides of the fence. They should be shut down and ran out of business.
    Pissed in Dallas,
    Chris

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  23. I’m an attorney representing a client whose car was destroyed in a massive front end collision by a Farmers insured. After my client was hauled away in an ambulance to an ER with a concern about a head injury, this schmuck had the gall to ask, “if it was necessary to activate the whole trauma team for a diagnosis of abrasion.”

    Now, if you’re a Farmers insured, you might think this is what you want your insurance company to do. But here’s what’s likely to happen. I’m going to have to sue the Farmers insured because her insurance company isn’t evaluating the claim fairly. She paid premiums not to have that happen. So Farmers is using her as a pawn and wasting her time and money. Moreover, this is how YOU will be treated if you have to make a claim against Farmers.

    Maybe the other party didn’t have insurance and you have to use your Farmers policy. Maybe the other party has Farmers as well. This is what Farmers does all too often.

    -An Attorney.

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  24. A covered Farmers vehicle rear ended my car on 11-29-2012 in Tucson AZ. The man gave me his insurance information and i called almost right away. I went to an emergency room for my neck pain and ran up a $6000.00 bill. The Farmers agent from Washington State was rude. He took my statement and i submitted my bills to the claim center in Oklahoma City… I have had to do this more than once and on the website it shows open, medicare paid but i have no proof that Farmers did a darn thing. And no documentation comes in my mail or email. I WOULD DIE BEFORE I PAID FOR FARMERS INSURANCE AND IF I EVER GET IN AN ACCIDENT I PRAY THE OTHER CAR DOES NOT HAVE FARMERS!

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  25. I kept farmers insurance after my husband got alzheimers. I bought an investment property to pay for his care, and i sold my house to do it. Anyway,a tenant’s son who moved away, got drunk and fell..broke a window. I called farmers to fix the window and they declined. They also have been raising my rates. I found out i had terrorism and computer protection i didn’t ask for! Needless to say I’m moving to state farm….and i’m saving a $1,000 to boot! By the way, we had farmers for 30 years..never made one claim.

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    • What kind of deductible did you have? Did they “deny” your claim or tell you that the cost to replace the window was below your deductible? Just curious, many people don’t understand the difference and in fact some people don’t even know what a deductible is, but as far as the glass goes, it should have been “covered” in that you experienced direct physical damage to your property, however, what does a window cost these days? Most policies will have a deductible of $1000, at least that’s the most common deductible though many policies have a deductible that is higher than that. For you to have even considered filing a claim, you should have needed more than $1000 (or whatever your deductible was) to replace it. Perhaps small claims court would have been the better route to go since the party that is liable for the damages was already identified? But maybe it was a huge picture window that cost $2000 or something like that and then perhaps you have a point, but I’m somewhat dubious.

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    • I hear you. Just posted a complaint about Farmers. Mother had them for 47 years. There is a high fire hazard that was discovered they won’t even try to help. BUT they will help once there is damage done by a fire. She is 84 yrs old and uses a walker, she wouldn’t have a chance if a fire broke out. Wouldn’t it make sense either to cover the cost to repair or part of the cost then wait until something catastrophic happens???? We are shopping for another home owner’s policy for her. It means nothing for someone who has been with them for at least 47 years….

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  26. We recently moved to Texas and after getting numerous quotes, I tried Farmers for the first and only time this year. After receiving the quote and the first bill which was in line with the quote, the second month my bill increased as well as the third month a bigger increase. I cancelled the insurance at the end of the second month and then got a collection letter from the wanting additional monies. Over a period of 3 weeks, I called them, faxed the information they said they needed, only to find out they already had the information, heard 3 different stories as to why there was an additional charge, and a promise to zero it out, I have now been told that the increase is for the 2 months premium to cover their charges to US for the claims that were paid out in our NO FAULT accident by our PREVIOUS insurance company 9 months earlier.
    We went back to our old company, which was actually able to save us money, and NO increase for the claims they paid out.
    Talked to the agent and she said that I had to pay it, despite the fact that she had recorded the no fault accident at the beginning to give me the quote!!
    Will NEVER use or recommend Farmers to anyone!!!!

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  27. REVERSE LOYALTY

    Sherri is absolutely correct. The Farmers buisness model is called “REVERSE LOYALTY,” and it works well for them. Extemely well. Farmers knows that changing insurance is a big hassle, so they slowly ratchet the premiums on thier loyal customers who keep writing checks. It is absolutely intentional and perfectly rational from a business perspective. It is thier customers who are irrational by not taking advantage the competative rates out there. Caveat emptor!

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    • Kind of true but they aren’t the only ones. It is true that their are often cheaper rates out there, but that goes for every company. Basically you have to get on the merry go round and switch every few years, or just find an agent that you like and pay a little extra. How else do you think every company can claim to save customers money? Is that even possible in a zero sum game? (of course not).

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  28. After being a Farmers customer for 25 years, I realized that loyalty does not go both ways. After inquiring about prices for my permitted driver, it went downhill. My son was added to our policy without our permission or agreement, as they state it is mandatory for them to add him via their “policy.” Doesn’t the customer have to agree on whether to add them? They pick a number and you are then billed. If you have a new driver that has their permit, LOOK AROUND as you will find that most companies only require that they be on the policy if they are LICENSED. And once they are licensed, other companies charge less many times over. My best advice is look at any other company..you’ll be surprised!! I will never deal with Farmers again.

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    • It is ok to express our feelings, but get the facts correct. it is the agent that adds the permitted driver, not the insurance company. As I understand it, if a permitted driver is added, you do not get charged until the first renewal they turn 16. How do I know, cause that is what I did. My child did not get their permit so I called my agent after I saw my bill and they changed the status back to permitted without any issue and resolved the billing issue. Do I agree with an agent adding your child without your permission, no way, but that is an agent issue, not the insurance company.

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      • Exactly what Tom said. Your complaint is against 1 of the over 10,000 agents (and most likely not even against the agent, but rather one of that agent’s staff members), not against Farmers as a company. At least in my state, permitted drivers do not cause a rate increase at all until they get licensed. Additionally, the statement that other companies will save you money “many times over” aside from not even making sense, is a glaring generality as well as blatant hyperbole. Every large company will get complaints, but just reading through these reviews, the vast majority of the complaints are either about price or about something the agent did or just due in large part to people not understanding insurance. All insurance companies will require every licensed driver in a household to be “rated on the policy”. If some other company “gives you the option” to not rate your son, then they are defrauding the company that they represent. I understand that most of your comment was about him being permitted rather than licensed, but that said, the comment “doesn’t the customer have to agree to add them” is inaccurate. Many people “forget” to mention that they have a teenage driver in their household to keep their rates down, and that’s a problem of morality, not a problem with the insurance company. My experience is that every time a person has forgot to tell me about their teenage driver, that driver has had a wreck within the first 6 months. I just can’t understand why an insurance company would want to be sure to charge for these teenagers, can you?

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