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Farmers Auto Insurance Review 2025

Our senior IQ analysts dove through all the top auto insurance providers to help you find the carrier and coverage that is right for you. On this page, we review the pros, cons, costs, and individual ratings for Farmers from trusted sources across the web (BBB, Trustpilot, J.D. Power) plus key takeaways from customer feedback. Farmers is known for broad endorsements and agent support. Here’s what stood out.

Farmers Auto Insurance

Key takeaways

  • Average price: Full Coverage ≈ $3,886/yr (minimum liability coverage varies by state/profile).
  • Best for: drivers who want robust coverage options and bundling — to consider: price-first shoppers; rates can be high.
  • Trust signals: AM Best: A, BBB: A+, NAIC 0.71 (fewer complaints than average), J.D. Power 690.0/1000 Claims Satisfaction (around avg).

What Our Editors Had to Say:

Farmers emphasizes agent service and a deep menu of optional coverages. Pricing can skew above average unless you bundle or qualify for multiple discounts.

Quick facts

Average costs

For a typical driver profile, full coverage with Farmers averages about $3886.0/year. Minimum coverage varies by state and driver profile.

Is Farmers right for you?

Best for: drivers who want robust coverage options and bundling

To consider: price-first shoppers; rates can be high

Pros & Cons

Pros

  • Extensive agent help and optional endorsements
  • Solid Signal telematics program (markets vary)
  • Useful add‑ons for new/leased vehicles

To consider

  • Premiums can be higher without bundling/telematics
  • Availability varies by state
  • Digital experience is improving but still agent‑oriented

Coverage highlights

Why choose Farmers

Customer experience & ratings

Where Farmers is Cheapest

We frequently see competitive auto insurance coverage quotes from Farmers for drivers in California and cities like Los Angeles. Check rates where you live.

How Much Does Auto Insurance Cost in Your Neighborhood?

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Top alternatives

How Farmers compares

Compare Farmers against other popular insurers on price, satisfaction, and features.

Farmers FAQs

Is Farmers cheaper than average?

Rates vary by state and driver profile. Our benchmark shows full coverage around $3886/yr; compare personalized quotes.

Does Farmers offer many endorsements?

Yes, Farmers is known for broad coverage options and add-ons.

Is Farmers strong for bundling?

Yes, bundling home/auto can unlock additional discounts in many states.

Methodology & Why You Can Trust InsuranceQuotes?

Our Credentials

Licensed Agency: AWL Insurance Agency, Inc.
National Producer Number (NPN): 18056901
Address: 9004 Anderson Mill Road, Unit A, Austin, TX 78729
Phone: 1-888-522-7355
Email: [email protected]
View Our Parent Company’s BBB Profile
Meet our licensed reviewers and see our verification steps on our Licenses & Credentials page.

Methodology & why you can trust InsuranceQuotes

Each Farmers profile is written and edited by InsuranceQuotes analysts using a consistent, repeatable method. We compile third‑party ratings and regulatory data, normalize pricing benchmarks, and explain what it means for real drivers. Our goal is to give you a clear, unbiased snapshot of how Farmers performs on cost, coverage, service and complaints.

How we gather & standardize data

  • Prices: We summarize published full‑coverage benchmarks (12‑month term where available) and clearly label sources. Averages are directional, not quotes—your rate varies by state, driver profile, vehicle and coverage choices.
  • Regulatory complaints (NAIC): We report the NAIC Consumer Complaint Index as a decimal and plain‑English label so you can compare at a glance (≈1.00 = industry average; <1.00 = better than average; >1.00 = worse than average).
  • Customer studies (J.D. Power): We cite each insurer’s most relevant study segment and regional result (score out of 1,000) to reflect satisfaction where you live.
  • BBB & Trustpilot: BBB letter grades and Trustpilot score/volume are captured as numeric fields so we can show badges and trend them over time.
  • Financial strength: We surface A.M. Best financial ratings to indicate claims‑paying ability.
  • Availability: “States served” is stored as a count and plain‑text note so you know where policies are offered.

Reviewed by licensed insurance analysts. See our Licensing & Credentials and editorial standards.

Editorial standards & review

Content is produced by our editorial team and reviewed by licensed insurance professionals for accuracy and clarity. We explain what each metric means (not just the number) and flag limitations where data is partial or varies by state. See our Editorial Policy and Licensing & Credentials.

Disclosure: InsuranceQuotes is part of AWL, Inc. Our marketplace helps you compare real‑time rates and connect with licensed agents. Editorial evaluations are produced independently from partner operations. Quotes shown or obtained through our forms are provided by carriers and/or their agents.

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