Farmers Insurance Reviews 2025: What Real Customers Won’t Tell You

Farmers Insurance reviews paint an interesting picture of a company that’s been around for almost 100 years and faces some big challenges today. The company, founded in 1928, has grown impressively with 21,000 employees and over 48,000 agents across the country. The company has pulled back its operations, and it no longer writes new homeowners policies in Florida and has cut back in California.

These changes raise an important question: How good is Farmers Insurance now? The answer isn’t simple and goes deeper than basic ratings. The company earned 4 stars from The Zebra and scored above average in J.D. Power’s auto claims satisfaction study. However, the National Association of Insurance Commissioners reports more customer complaints than average.

Auto insurance costs about $149 monthly – a bit more than what other insurers charge. The home insurance side shows mixed results with various coverage options and customer feedback. Even the Better Business Bureau (BBB) ratings don’t give us the full picture.

Let’s get into what customers really experience with Farmers Insurance in 2025. We’ll look at their $11.65 billion operation, break down their discount offerings, and see how they stack up against big names like State Farm and Progressive.

Farmers Auto Insurance Reviews: What Drivers Really Think

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Farmers ranks as the seventh-largest auto insurer in America.  The company has earned its name through detailed coverage options, though its premiums run higher than average. After looking at many Farmers auto insurance reviews, I found several strengths and weaknesses that could affect your choice.

Coverage options and add-ons

The company’s standard auto insurance includes liability, detailed, collision, uninsured/underinsured motorist, and medical payments coverage. What makes Farmers stand out is its long list of optional add-ons that let you customize your policy.

Here are some of Farmers’ best coverage options:

• New car replacement – Your totaled vehicle gets replaced with a new car of the same make and model if it’s within the first two model years and 24,000 miles
• Accident forgiveness – You won’t see rate increases after one at-fault accident for every three years of accident-free driving
• Rideshare insurance – Your personal auto coverage extends to fill gaps when you drive for Uber or Lyft
• Customized equipment coverage – Your aftermarket parts like custom wheels or infotainment systems, stay protected
• Original equipment manufacturer (OEM) coverage: You get replacement parts from your car’s manufacturer instead of cheaper alternatives

On top of that, Farmers gives you glass deductible buyback, loss of use coverage for alternative transportation, and personal umbrella policies that add extra liability protection.

Premiums by age and driving history

Farmers’ rates rank among the highest of major insurers.  Their yearly average for full coverage runs $3,106, much higher than national averages.  Minimum liability insurance costs about $1,188 yearly or $99 monthly.

Age plays a big role in pricing. Eighteen-year-olds pay around $4,227 yearly for liability insurance and $9,354 for full coverage – both 60% above national averages. Drivers at age 35 with clean records pay about $2,973 yearly.

Your driving record affects costs heavily. Speeding tickets push rates to $4,252 yearly (75% above the national average). Drivers with prior accidents pay premiums 57% higher than national averages.

Customer satisfaction and claims experience

NerdWallet’s 2024 survey gave Farmers an overall score of 80 out of 100. U.S. News ratings showed 3.7 out of 5 stars for customer service, putting them tied with Allstate at 7th place.

Claims handling earned 3.7 out of 5 stars, landing Farmers in 8th place.  Customer feedback shows 58% were fully satisfied with claim resolution, 39% found filing easy, and 45% liked the status updates.

The company shines in customer loyalty.  About 36% of customers said they would recommend Farmers to others, while 44% planned to renew their policies. Data from the National Association of Insurance Commissioners shows Farmers received fewer complaints about auto insurance than expected for its size over three years.

Looking ahead to 2025, the Farmers’ Signal app offers good savings potential.  You get 5% just for signing up and safe driving habits could save you up to 15% at renewal.

Farmers Home Insurance Reviews: Is It Worth the Price?

A close look at Farmers home insurance shows they offer a variety of coverage options but charge more than most competitors. Their annual premium of $2,527 for a home with $300,000 in dwelling coverage exceeds the national average of $2,267. Their customer service seems to be getting better, as shown by fewer complaints, though satisfaction scores remain mixed.

Coverage for homeowners, renters, and landlords

Farmers provides standard homeowners coverage (dwelling, personal property, and liability) with many ways to customize your policy. Their best features include extended replacement cost coverage (25% or 50% above dwelling limits) and emergency mortgage assistance that pays up to three months of payments (maximum $10,000) during covered repairs.

Farmers earned 4.5 out of 5 stars for their renters insurance.  Their simple renters policies cost about $203 yearly ($17 monthly), which is higher than the national average of $148. Renters get several unique benefits:

• Identity theft coverage (up to $1,500)
• Refrigerated food coverage (up to $500 with $50 deductible)
• Optional replacement cost coverage for personal belongings

The company’s landlord insurance protects rental properties and covers lost rental income for up to 18 months—six months longer than what most competitors offer.  Landlords can also screen tenants through SmartMove™.

Recent changes in California and Florida

The company expanded its California presence as the insurance market improved.  They raised their monthly cap on new homeowners policies from 7,000 to 9,500 in December 2024. They also brought back several previously paused products, including condominium, renters, umbrella, landlord, vacant property, and manufactured home insurance.

The story in Florida looks different.  Farmers pulled out of the state’s own-brand home insurance market, which affected about 100,000 policies.  Slide Insurance later bought renewal rights for 86,000 Florida homeowners policies that Farmers previously managed.  Other Farmers-owned brands like Foremost still do business in Florida.

Common complaints and praise

Customer satisfaction needs work – Farmers scored 676 out of 1,000 in J.D. Power’s study, below the industry average of 682.  This puts them among the “lower tier of national insurers for claims service.”  The good news is that the National Association of Insurance Commissioners reports fewer complaints over the last several years.

Customers often praise Farmers for:

• Many ways to customize policies
• Guaranteed replacement cost coverage availability
• Fewer complaints than average overall

The biggest complaints include:

• Higher prices than national averages [151]
• Not all products available in every state
• Rising rates, especially in high-risk areas

Customer reviews often mention sharp price increases and worries about losing coverage due to wildfire risk or older roofs. Anyone thinking about Farmers should weigh their complete coverage options against higher costs and limited availability in some markets.

Farmers Life Insurance: A Hidden Gem or Overlooked Option?

Most people know Farmers for auto and home coverage, but their life insurance options don’t get as much attention in consumer reviews. These life insurance products deserve a closer look if you want detailed financial protection.

Types of life insurance offered

Farmers gives customers life insurance products of all types:

• Term Life Insurance – You can choose between two formats: Simple Term (coverage from $75,000 to $150,000 without medical exam in most cases) and Value Term (coverage from $150,000 to $10 million with medical exam required). Both let you pick 10, 20, or 30-year terms with fixed premiums during the original period.
• Whole Life Insurance – The lineup has EssentialLife Simple Whole Life (coverage from $15,000 to $250,000 for ages 15 days to 80 years) and Graded Death Benefit Whole Life (built for people with health issues, giving 110% premium return if death happens within the first two years).
• Universal Life Insurance – This option comes with adjustable premiums and cash value components.  The standard Universal Life plan provides coverage from $50,000 to $10 million for ages 15 days to 80 years. The Indexed Universal Life version lets you grow your investment through S&P 500 or S&P MARC 5% ER indices while protecting against market drops.

Availability by state

You can buy Farmers life insurance products in all states except New York. Their nationwide reach makes them stand out from smaller insurance companies that only work in specific regions. Their life insurance branch, Farmers New World Life Insurance Company, manages these policies across the country with just one state exception.

Customer feedback and satisfaction

Farmers Life Insurance Company earned a B++ (Good) rating from AM Best. This shows they’re financially stable but not quite at the top of the industry.

NerdWallet looked at National Association of Insurance Commissioners data and found that Farmers gets about as many complaints as you’d expect for a company their size. This puts their customer satisfaction right in the middle of the pack.

Customer reviews tell different stories. Many policyholders feel frustrated about premium increases on universal life policies. Several say their agents never told them rates could change every five years.  Some loyal customers lost their policies after 15+ years of payments because they couldn’t make payments temporarily.

The company’s Simple Term’s easy underwriting process and market protection features in their indexed universal options get positive feedback. Farmers life insurance sits somewhere in the middle – not outstanding but not poor either. You just need to read the policy details carefully before signing up.

Discounts and Digital Tools: Do They Actually Help?

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The modern digital world of insurance shows Farmers offering many discounts and tech tools to save their customers money. Customers often ask themselves if these features really deliver the promised value.

Signal app and usage-based savings

Farmers Signal program shows their move into telematics-based insurance.  The savings look good right away—customers get a 5% discount just by signing up.  You’ll see this original discount applied to your policy after completing 10 trips with the app.  Safe drivers can earn up to 15% off their premiums at renewal time, though some sources point to up to 30% savings.

Signal stands out by tracking these driving behaviors:

• Focused driving (phone usage)
• Hard braking events
• Excessive speeding
• Time of day traveled
• Total mileage

Of course, the program comes with more perks.  Families can save an extra 10% when their drivers under 25 participate. Farmers also give away up to $100 in monthly prizes to customers who enroll.

Multi-policy and good driver discounts

Bundling helps customers save money reliably. Combining auto and home policies saves customers 10% or more on both policies. The Farmers multi-policy discount can reach up to 20% when bundling auto with home, renters, condo, life, or umbrella coverage.

Good drivers who keep a clean record (no chargeable accidents or citations) for three years qualify for the safe driver discount.  Your clean record time with another insurance company counts toward this period too.

Digital experience: app, website, and support

Users love the Farmers mobile app, giving it 4.8 out of 5 stars in the App Store and 4.6 stars on Google Play. The app lets you pay bills, access digital ID cards, file claims, request roadside assistance, and manage your policy.

A detailed review of digital experience gave Farmers 4.4 out of 5 stars for its mobile app and website features. The website makes up for its lack of live chat with strong search options and account management tools.

The real benefit of these digital tools comes from knowing how to optimize insurance management. Users particularly like the mobile app’s fingerprint recognition and “Remember Me” feature that makes logging in easier, and many praise how well it handles claims processing.

How Farmers Compares to Other Insurers in 2025

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Raw numbers show Farmers Insurance has a 4.18% market share with $13.20 billion in direct premiums written. The real story emerges as we match Farmers against its major competitors in 2025.

Price comparison with State Farm, Progressive, and others

Farmers ranks as one of the pricier insurance providers.  Their yearly full coverage premium costs $3,169, which is $1,161 more than the national average of $2,008. Here’s how they stack up:

• State Farm comes in at $1,657 per year, much lower than Farmers’ $3,169
• Progressive charges $104 monthly while Farmers costs $131
• Geico beats Farmers by $1,573 yearly, charging $1,596 for full coverage
• Allstate costs $2,598 yearly, cheaper than Farmers but pricier than most others

The rates jump even higher for new drivers and those with driving violations.  Drivers with DUIs pay about $6,268 yearly with Farmers.

Claims satisfaction vs. competitors

The company shines better in claims satisfaction than pricing. Farmers scored 878 out of 1,000 in J.D. Power’s Auto Claims Satisfaction Study, landing at 12th place among big insurers. This puts them:

• Three ranks above Geico (871/1000)
• Just under Allstate’s score of 882/1000
• Right at the industry average of 878/1000

NerdWallet’s 2024 survey gave Farmers 80 out of 100, slightly beating the industry’s average score of 79.

Who should switch?

Some drivers might find Farmers a good fit, while others should explore different options.

Farmers might be right for you if you:

• Want lots of discounts? Farmers has more discount options than most other companies
• Have very bad credit— Their rates beat State Farm’s for credit scores under 580
• Care more about claim handling than costs

You should look at other companies if you:

• Are new to driving or a senior— 17-year-olds pay around $7,832 yearly, way more than average
• Have accidents or DUIs on your record—these make your rates jump quickly
• Need the lowest possible rates—most other big insurers charge less

Conclusion

A full picture of Farmers Insurance in 2025 shows mixed results. The company’s century of experience is impressive, but their premiums cost more than other insurers even though they let you customize your coverage a lot. Their complete coverage options and add-ons are a great way to get value if you’re willing to pay more – this is especially true if you need special protection like rideshare coverage or OEM parts.

The company faces some big challenges with where they can operate. They’ve cut back policies in California and completely left Florida’s homeowners market, which limits who can use their services. Their digital tools, like the Signal app, can help you save money, but the 5-15% discounts don’t make up for their higher base prices compared to Geico and State Farm.

Farmers Insurance really shines for certain types of customers rather than everyone. People who care more about good claims service and lots of coverage options than price will like what Farmers offers. But drivers on a budget, young people, and those with driving violations can probably find better deals elsewhere. The company handles claims well and lets you personalize your coverage, but their prices are the biggest problem in today’s competitive insurance world.

You should always get quotes from several insurance companies to find the best mix of coverage and price for your needs. Note that everyone’s insurance needs are different, and what’s right for someone else might not work for you.

FAQs

How does Farmers Insurance compare to other major insurers in terms of pricing? 

Farmers Insurance tends to be more expensive than many competitors. Their average full coverage premium is about 58% higher than the national average, with companies like State Farm, Progressive, and Geico offering significantly lower rates for most drivers.

What unique coverage options does Farmers offer? 

Farmers provides several distinctive coverage options, including new car replacement within the first two years, accident forgiveness, rideshare insurance, customized equipment coverage, and original equipment manufacturer (OEM) parts coverage.

How satisfied are customers with Farmers’ claims process? 

Farmers performs reasonably well in claims satisfaction, scoring 878 out of 1000 in J.D. Power’s Auto Claims Satisfaction Study. This places them near the industry average and above some major competitors, though there’s still room for improvement.

What discounts does Farmers offer to help reduce premiums? 

Farmers offers numerous discounts, including multi-policy bundling (up to 20%), safe driver discounts, and usage-based savings through their Signal app. New Signal users can save 5% just for enrolling and up to 15% at renewal for safe driving habits.

Is Farmers Insurance a good choice for all types of drivers? 

Farmers may not be the best choice for all drivers. While they offer extensive customization options and reasonable claims handling, their higher premiums make them less suitable for budget-conscious drivers, young motorists, and those with poor driving records. However, they could be a good fit for those who prioritize coverage options over price.