Foremost Insurance Company Review & Complaints: Home, Auto, & Recreational Vehicle Insurance

Foremost Insurance Company (review below) offers home coverage, auto insurance, and recreational policies that often cover risks other insurance companies won't. Read our Foremost review for more information on rates, the Foremost claims process, and a Foremost customer service review. Always compare insurance rates before you settle on an insurance company.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His 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.

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Written by Eric Stauffer
Founder & Former Insurance Agent Eric Stauffer

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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Foremost Insurance

Financial Strength

Foremost Insurance Summary
Foremost Insurance SummaryStats
Year Founded1952
Current Executives David A Heatherly, Executive Vice President
John J Hannigan, Executive Vice President
Numbers of Employees1557, 38,000 agents
Total Sales/Assets$571,340,000
HQ Address5600 Beech Tree Lane Caledonia, MI 49316
Phone Number1-800-527-3907
Company Website
Premiums Written Total Private Passenger Auto$5,795,044
Loss Ratio78.80%
Best ForFinancial stability, Farmers' customers
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Is Foremost Insurance owned by Farmers? Foremost Insurance is a wholly-owned subsidiary of Farmers. However, Foremost motorcycle insurance complaints or home insurance claims will be handled by Foremost, not Farmers, as they are separate companies.

Are there Foremost insurance reviews? There is one now! This Foremost Insurance company review will cover the company’s rates, reviews, and more. Foremost full coverage insurance rates could be $350, but policy discounts will put the brakes on expensive car insurance rates.

Compare home insurance rates before you commit to a company to ensure you are getting the best price.

Do you have an affordable Foremost car insurance quote? To compare, enter your ZIP code into the FREE comparison tool above before starting this Foremost Insurance review and summary. You may even be able to get a Foremost auto insurance quote.

Does Foremost receive good reviews and ratings?

Financial strength and credit ratings measure the performance of companies on an international scale. Let’s take a look at Foremost’s car insurance reviews. According to A.M. Best, ratings show an objective opinion about an insurer’s, issuer’s, or financial obligation’s relative creditworthiness.

We have Foremost auto insurance reviews and Foremost Insurance Company ratings from the most notable organizations.

Is Foremost Insurance a good company? Let’s look at the Foremost Insurance Group’s ratings.

Foremost Insurance Company Ratings
Ratings AgencyFormost Insurance Rating
A.M. BestA
Better Business BureauA+
Consumer Affairs2/5 from 50 Reviews
Moody’s RatingA2
NAIC Complaint Index0.38%(2018)
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How about Foremost insurance complaints? The NAIC Complaint Index for Foremost is low, and they appear to have a solid reputation. It’s always worth checking local ratings for a company that depends on captive agents. The agent experience can make a big difference in overall customer satisfaction.

Before we move on to Foremost Insurance’s rates, it bears mentioning that Foremost Insurance’s Yelp reviews are low, but that’s not uncommon when it comes to customer reviews and insurance companies.

How about Foremost Insurance Group reviews? The BBB rating of A+ for the company is noteworthy and serves as somewhat of an endorsement. Let’s now see how competitive their rates are.

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Are Foremost car insurance rates cheap?

Most small companies offer competitive rates. You may pay more or less depending on what your needs are. Foremost car, home, and Foremost motorcycle insurance operate under Farmers insurance.

Does Farmers own Foremost?

Yes, they were acquired by Farmers Insurance Group in 2000. A Foremost insurance quote will not be from Farmers, but you may get bundling discounts with Farmers policies.

The average annual rate for Farmers car insurance is $4,190 per year or $350 per month.

Foremost Insurance is one of the biggest providers of non-standard and specialty auto insurance products in the country. They write a variety of home insurance, vehicle, and recreational vehicle (RV) insurance policies and often cover risks that other insurance companies will not accept.

Foremost offers auto insurance policies that are underwritten by Bristol West Insurance. They do not write any auto liability coverage directly. Bristol West provides non-standard auto insurance options to drivers that may have trouble getting coverage elsewhere.

What is Foremost availability by state?

Where is Foremost car insurance available? According to the National Association of Insurance Commissioners (NAIC), you can get Foremost services in all 50 states. Foremost connects to one of the leading insurance companies, and it makes sense that it would be available in all states.

Let’s examine the average annual rates where people have Farmers insurance.

Farmers Average Annual Car Insurance Rates by State
StatesFarmers Average Annual Rates
New Hampshire$7,617
New Jersey$4,316
New Mexico$5,596
New York$3,423
North Carolina$3,092
North Dakota$3,997
Rhode Island$4,692
South Carolina$3,769
South Dakota$3,430
West Virginia$3,777
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What Foremost auto insurance coverages are offered?

Foremost auto insurance coverage connects to Bristol West and Farmers through underwriting policies for customers across the United States.

All customers should have access to core automobile insurance coverages, such as liability, collision, and comprehensive coverage.

When the core coverages are combined, they are called full coverage. Here’s the national average annual rate for all core coverages.

U.S. Average Car Insurance Rates by Coverage Type
Car Insurance Coverage TypeAverage Annual RatesAverage Monthly Rates
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What are the Foremost bundling options?

What does Foremost homeowners cover? Read on for a short Foremost home insurance review.

Best known for mobile home insurance, Foremost home insurance offers a wide range of other home policies. They also write a variety of auto insurance coverages, motorcycles, and types of specialty vehicle policies, including ATVs, boats, and other vehicles.

Foremost’s flagship product is the mobile home policy and these are available for older mobile homes as well as newer manufactured homes. The mobile home coverage includes a comprehensive list of named perils and has the option to add replacement cost coverage as well.

Mobile homes go through a licensing process. Once approved, you can set up your mobile home at a park or other designated location. There are a wide variety of add-on endorsements for mobile homes that rival the list offered by many standard homeowner’s programs.

  • Hobby farm or ranch liability
  • Identity fraud
  • Water damage
  • Earthquake coverage
  • Travel coverage of mobile home
  • Personal property replacement cost

Foremost home insurance has a policy called the perils policy. In other words, the plan will cover the specific perils listed in the policy, and it will only pay out the actual cash value of the home at the time of the damage based on age, condition, and depreciation.

When you bundle insurance services together, does it save money?

Foremost insures a wide variety of motorcycles and bikes that cannot be covered under a Farmers policy. They offer comprehensive motorcycle insurance policies that include all the basics of liability, comprehensive, and collision and also some motorcycle-specific coverage such as safety apparel coverage and optional equipment coverage.

Coverage also includes roadside assistance and trailer coverage. The policy is an annual term and priced to compensate for the offseason in locations where motorcycles are driven less in the winter months.

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What are the discounts offered by Foremost?

Foremost doesn’t reveal the number of discounts they offer to potential customers. There are no sections provided in the online quote web pages. Your best bet to gather more detailed information would be to talk to an agent about your specific policy. However, here are some general car insurance discounts Foremost offers that you may want to further inquire about in person.

  • Security Discounts – High deductible discounts offered to customers who pay higher deductibles.
  • Bundling Discounts – Foremost provides discounts when customers bundle one or more insurance services.
  • Other Discounts – Customers age 50 or older receive discounts through the AARP sponsored Foremost program.

You may be eligible for some of Farmers discounts since the company partners with Farmers. Ask a Foremost agent for assistance to find out if you’re able to receive discounts from Farmers.

What programs are available from Foremost?

Foremost has a few community programs. The Foremost Learning Center and AARP Learning Center offer advice, guidelines, and tips over a range of topics from insurance questions and mobile home repair.

They also offer a program for various watercraft, from speedboats to personal watercraft (jet skis) and more. Foremost’s recreational vehicle program includes coverage for both motor homes and travel trailers. Specialized coverage includes full-timer options for RVs.

Foremost’s home insurance program focuses on homes that may not qualify for a standard homeowner’s insurance policy.

Customer homes that are older or have certain risk factors, seasonal and vacation homes, mobile and manufactured homes, and rentals are included.

The Mobile Home Market Facts Sheet is a report from an annual survey conducted by Foremost to better understand the market and demographics of mobile homeownership.

Foremost’s Mobile Claims Centers (MCCs) assist customers by answering questions about insurance, assisting in the process of filing Foremost insurance claims, and providing access to satellite and internet services.

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How do I cancel my Foremost vehicle insurance policy?

Sometimes it’s necessary to cancel your car insurance policy. Maybe your Foremost policy is about to end and you’ve found a cheaper company. Perhaps the car insurance rates are too expensive and you need to cancel.

Whatever the reason, you have the right to cancel your auto insurance. Let’s use this section as a short guide on how you can cancel your car insurance policy.

Is there a cancellation fee?

Whenever you cancel your insurance policy before it’s set to expire, expect a cancellation fee. The cancellation fee can be $25 or more. Some insurance companies issue something called a short-rate fee.

A short-rate fee is a percentage of the remaining balance on a car insurance policy.

The cancellation fee is a penalty for ending your car insurance policy before the agreed termination date.

Is there a refund?

Some customers pay their car insurance policy in full or pay half of the policy’s balance. Individuals who pay in full could receive a refund. You may not get back every dollar you put into the car insurance policy. Sometimes your refund is based on a bracket. The number of months you use car insurance service can reduce the amount of your refund.

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How do you cancel?

Call or contact Foremost to tell them you want to cancel your policy. It may not be a bad idea to send a certified letter alerting them that you wish to cancel. Make it clear that you want to cancel your current policy and request a refund on premiums that are unused minus any cancellation fees that may apply.

Customers with questions should use the customer contact number 1-800-532-4221 for non-auto policies or visit for auto policies. Keep in mind it is not to pay Foremost insurance.

When can I cancel?

You can cancel whenever you want, but the best time to cancel is within 15 to 60 days. Setting a cancellation date will allow you to change your mind or find another car insurer.

How can I make a Foremost auto insurance claim?

Foremost claims can be filed online or by phone. The Foremost Insurance phone number is 1-800-527-3907. Claims representatives are available 24/7 to assist customers.

To file Foremost insurance claims, use your Foremost Insurance login. Your login will give you access to Foremost insurance policy information. Auto claims are submitted to a separate claims department since other companies underwrite them.

Foremost boasts a team of 14,000 claims representatives.

It has Mobile Claims Centers available for catastrophic situations like natural disasters. Claims go through a simple process of contact, estimates, evaluation of the claim, and payment of a claim. The length of time for a request to be closed depends on the type of claim.

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What’s the bottom line?

Foremost is a reliable insurer with backing by even bigger companies that provide financial stability, access to a variety of policies, and discounts. They have a lot of experience in their areas of expertise and are well worth a look if you need non-standard or specialty insurance.

They’re a good choice for those with Farmers policies. You may have access to cross-company multi-policy discounts that may apply.

Ready to buy Foremost car insurance? Now that you’ve read through this Foremost Insurance review, enter your ZIP code into the FREE comparison tool to see car, home, and life insurance rates just for you.

We’re going to use the final section of the guide to answer frequently asked questions that appear on search engines across the web. We’ll recap what you’ve learned about the Foremost car insurance company.

#1 – Does Foremost have car insurance and is Foremost Insurance good?

Yes. Foremost County Mutual Insurance Company underwrites for Bristol West and Farmers. Foremost Insurance is well-reviewed by the Better Business Bureau.

#2 – What company owns Foremost Insurance Company?

Foremost is a subsidiary of Farmers since 2000.

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#3 – Is there a Foremost Insurance agent login?

Yes. You can access the Foremost Insurance agent logins at

#4 – Where is Foremost Insurance located?

Foremost’s corporate office is located in Grand Rapids, Michigan.

#5 – In what states does Foremost Insurance write insurance?

They write insurance in all 50 states.

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