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Farmers Insurance Review

Farmers Insurance Review

  • Full range of policy and vehicle coverage options to choose from
  • Quick and easy online policy management
  • 24/7 claims center
  • Customer ratings for the claims process fall short when compared to competitors
  • January 11, 2018 – We’ve updated our review to take into account the most recent consumer studies and financial ratings for auto insurance providers. Farmers still offers some of the better coverage options on the market, but its customer satisfaction for filing claims has taken a hit — customers reported particular difficulty with the repairs process. The company’s financial strength rating also decreased — its Moody’s rating changed from an Aa3 to A2. We’ll keep our ears to the ground for any changes, but for now, our other picks will be a better match for most people.

Our Farmers Insurance Review

Farmers Insurance is a popular option for those looking for extensive policy and coverage options. Aside from standard offerings, customers have access to add-ons like glass repair and speeding ticket forgiveness — unique and useful options that other companies lack. In other words, Farmers lives up to its promise of financial protection from accidents, rate increases, and anything in-between.

That said, Farmers Insurance ranks below the industry average for customer service when it comes to the actual claims process. Reported difficulties range from getting a claim accepted to a lack of clear guidance during repairs. That means you may have to work a little harder to make sure your claim is proceeding and providing you all the benefits under your coverage. However, Farmers Insurance does offer one of the better online management systems to help you keep track of its many coverage options and the benefits you should receive.

Farmers Insurance claims its 85 years in business has given them the ability to provide quality coverage, convenience, and personalized service that go beyond basic expectations. Farmers promises to not only cover injuries and damages but to provide tools and easy access to a neighborhood agent for guidance on anything from accidents to repairs.

Recently, Farmers Insurance even began rolling out rideshare coverage for Uber and Lyft drivers — a relatively new form of insurance not covered by most standard plans. With its diverse coverage options and embrace of new consumer needs, Farmers plans to be on the forefront of policy offerings and convenience in the insurance market.

Is it true?

Farmers Insurance is one of the leading car insurance providers in the nation and offers coverage in all 50 states. According to the Insurance Information Institute’s current statistics, Farmers Insurance is the seventh largest provider of private passenger auto insurance — a ranking that is largely due to its history of thorough coverage.

The J.D. Power 2017 Insurance Shopping Study, an in-depth look at how consumers choose insurance providers, rates Farmers as above average when it comes to the quality of their policy offerings — beating other top providers like GEICO and Allstate. Customers can expect all the standard coverage types from personal injury protection to uninsured motorist coverage. Farmers also offers a wide range of add-ons including old favorites such as roadside assistance and new options like rideshare coverage (in select states). When it comes to thorough policy offerings, Farmers delivers on its claims.

More impressive is the Farmers Insurance online dashboard that allows you to request adjustments to your coverage options, change your deductibles, and add or remove a vehicle from your policy. While not perfect, it means you can easily make changes to your policy and manage your account without having to spend time on the phone or visiting an agent in person. While you’ll always have access to a large network of agents, we like having convenient control over our coverage.

Farmers Insurance Review 2018: Complaints, Ratings and Coverage

Farmers reviews and ratings

  • Customer satisfaction ratings are average for both home and auto insurance
  • Fewer customer complaints than the median for auto, home and life insurance products
  • Compared to other insurers, Farmers has a lot of options to customize home and auto policies

Farmers Insurance is the fifth-largest home insurer and seventh-largest auto insurer in the country . It offers an array of other insurance products as well as financial products such as mutual funds and annuities.

Auto insurance rating

Farmers ranked 14th out of 23 insurers in NerdWallet’s ranking of the best car insurance companies , earning 4 stars out of 5 for overall performance. NerdWallet’s rating is a score based on:

  • J.D. Power ratings for customer service, claims satisfaction and shopping satisfaction
  • Consumer Reports customer satisfaction ratings
  • Consumer complaints against the insurer, based on data from the National Association of Insurance Commissioners

Complaints

Farmers had fewer than the median number of complaints to state regulators for auto insurance in 2017 relative to its size, according to the National Association of Insurance Commissioners.

Customer satisfaction

  • Farmers ranked “ about average ” for overall purchase experience for auto insurance in J.D. Power’s 2017 U.S. Insurance Shopping Study
  • It ranked “ about average ” for overall satisfaction in J.D. Power’s 2017 Auto Claims Satisfaction Study
  • Farmers ranked “ about average ” for overall satisfaction in J.D. Power’s 2017 Homeowners Insurance Study
  • It also ranked “ about average ” for overall customer satisfaction in J.D. Power’s 2017 Property Insurance Claims Study

Financial strength: A (Excellent)

Farmers’ financial strength is “excellent,” according to ratings agency A.M. Best. Financial strength is important because it indicates how well an insurer can pay claims.

Auto insurance rating

Farmers ranked 14th out of 23 insurers in NerdWallet’s ranking of the best car insurance companies , earning 4 stars out of 5 for overall performance. NerdWallet’s rating is a score based on:

  • J.D. Power ratings for customer service, claims satisfaction and shopping satisfaction
  • Consumer Reports customer satisfaction ratings
  • Consumer complaints against the insurer, based on data from the National Association of Insurance Commissioners

Complaints

Farmers had fewer than the median number of complaints to state regulators for auto insurance in 2017 relative to its size, according to the National Association of Insurance Commissioners.

Customer satisfaction

  • Farmers ranked “ about average ” for overall purchase experience for auto insurance in J.D. Power’s 2017 U.S. Insurance Shopping Study
  • It ranked “ about average ” for overall satisfaction in J.D. Power’s 2017 Auto Claims Satisfaction Study
  • Farmers ranked “ about average ” for overall satisfaction in J.D. Power’s 2017 Homeowners Insurance Study
  • It also ranked “ about average ” for overall customer satisfaction in J.D. Power’s 2017 Property Insurance Claims Study

Financial strength: A (Excellent)

Farmers’ financial strength is “excellent,” according to ratings agency A.M. Best. Financial strength is important because it indicates how well an insurer can pay claims.

Farmers auto insurance

Farmers offers standard coverage choices for auto insurance, in addition to several types of optional coverage, including:

  • New car replacement: If your new car is totaled in the first two model years or 24,000 miles of ownership, Farmers pays to replace it with a new one.
  • Accident forgiveness: One accident is forgiven, meaning your rate won’t go up if you have one, for every three years you drive without an accident.
  • Small-claim forgiveness: Your rate stays the same even if a small accident is your fault.
  • Incident forgiveness: Don’t sweat that speeding ticket. If nobody files a claim related to the incident, your rate stays the same. Not available in all states.
  • Loss of use: When your car is in the shop or totaled after an accident, Farmers reimburses you for a rental, cabs or public transit.
  • Extended customized equipment: If you have custom parts installed in your car, such as chrome rims or a new stereo system, this option expands your policy to cover those parts if they’re stolen or damaged.
  • Rideshare insurance: Companies such as Uber or Lyft typically provide limited liability insurance for drivers while the app is on, with full coverage that kicks when you accept a ride and have passengers. Farmers rideshare insurance extends your personal auto policy to fill in the gaps, providing coverage between rides, so you’re always covered during your rideshare job.

Farmers home insurance

Like its auto policies, Farmers homeowners insurance starts with the basics and allows customers to add features they want or need.

Farmers Smart Homeowners Policy is an upgraded policy that includes standard homeowners insurance, plus:

  • Claim forgiveness, which waives the surcharge if you go six or more years without filing a claim.
  • Cosmetic damage coverage, which covers the cost of any reasonable cosmetic fixes when you file a claim for functional damage to your home. (Availability varies by state.)

There are other individual options you can add to any Farmers homeowner policy, if it is available in your state:

  • Identity Shield: For $65 or less per year, this feature allows you to add on identity theft coverage, including credit monitoring and assistance replacing identity or travel documents
  • Eco-rebuild: Receive up to $25,000 for extra costs to repair, replace or rebuild your home with green materials after you file a claim
  • Contents replacement: When an item in your home is damaged or destroyed, you receive reimbursement for the value of a new one
  • Trees and shrubs: Pays up to $750 per item if your trees, shrubs, plants or lawn are damaged — for a total of up to 5% of your dwelling coverage

Farmers life insurance

Farmers offers several types of life insurance policies, including term, whole and universal life insurance. All of Farmers’ term life options are convertible to lifelong coverage.

Simple Term Life fast-tracks the application process, allowing you to skip the medical exam and get insured more quickly.

  • Coverage starting at: $75,000
  • Terms offered: 10, 20, or 30 years

Value Term Life from Farmers comes with a guaranteed death benefit amount, and your premiums won’t increase during the term you sign up for. If you convert to whole life or a longer term, your rates might increase.

  • Coverage starting at: $150,000
  • Terms offered: 10, 20, or 30 years

Decreasing Term Life is for people who want a policy to cover only a mortgage or other debt. The death benefit decreases to 20% of the original value over time, while premiums remain level.

  • Coverage starting at: $25,000 in most states; $50,000 in Texas and California.
  • Terms offered: 15, 20, 25 or 30 years.

Other types of insurance from Farmers

In some cases, you may be able to save money by bundling these products with a Farmers homeowners or auto insurance policy.

Farmers Insurance Reviews

Read 219 Reviews

(based on 219 reviews)

of respondents would recommend this to a friend.

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      • I received a sample (9)

    Most Liked Positive Review

    Farmers Insurance takes good care of you fast.

    I have had Farmers insuarnce for 4years now and I would never switch to another company. I have Auto insurance for me and my wife as well as home owners insurance with Farmers. The. Read complete review

    I have had Farmers insuarnce for 4years now and I would never switch to another company. I have Auto insurance for me and my wife as well as home owners insurance with Farmers. The prices have never increased over the 4 years I have had the insurance and that is real surprising since we had a house fire in 2008 and the house and all our personal property in it had to be replaced. Farmers handled our claim quickly and got us our money fast and were always helpful throughout the whole ordeal. Most companies immediatedly raise your rates after a claim, but Farmers did not raise ours. I have never needed to make an auto claim but I believe they would handle it just as well as the handled the home owners claim. I have not tried anything else they offer but the insurance part is great. I would never switch to another company. Even if they could offer a really low price, I do not think I will ever get better service from any other company. If it is available in your area you should give Farmers insurance a try, you will not regret it.

    Most Liked Negative Review

    middle of the road, it all depends on what you are looking for

    As with all companies, Farmers has its good points and bad points.

    I actually was a customer of Farmers, and then became an Agent with Farmers, so I have seen the. Read complete review

    As with all companies, Farmers has its good points and bad points.

    I actually was a customer of Farmers, and then became an Agent with Farmers, so I have seen the penny from both sides.

    As a customer, things always went smoothly, I never had a problem, except with the constant rate increases and the various “Miscellaneous Charges” that never could be explained or removed! My agent was great and was the reason I thought it would be a good idea to become one.

    As an agent, I realized that the Farmers system is greatly flawed and their computers don’t always synch up with the information that is input. For example, when a customer gets a renters, auto and life policy, they get a multi-policy discount. However, when the system runs it validation, if there is more than one driver in the house, but only one life policy, it will drop that discount with no warning to either the agent or the customer, until the customer gets their bill and sees a huge increase. And fixing it, well that is a complete JOKE!

    Even the best agent in the district where I worked had MAJOR problems with the different systems which was highly frustrating. Also the billing, they allow you to pay monthly, even give you the option to get a discount for setting up ‘Auto-Pay’ but then they will charge you not only a monthly fee based on the amount billed, but also an initial ‘Policy Fee’, so you are actually paying MORE to pay it monthly, even with the supposed DISCOUNT they give. Also, they don’t give a discount for those who pay it in full up front like some companies do.

    It is also very apparent that the company has no interest in ‘GOING GREEN’ or even being eco-friendly. Any change, either by an agent or by the system just running, they send you all sorts of mail. A minor change, like you added a secondary phone number, they will send you the ENTIRE policy again, which can be a good 30 pages. Any billing adjustment, they send you a new bill. I had a customer that needed to make an adjustment to her policy, and it generated 14 pieces of mail in 5 business days. I actually had customers calling and asking me to STOP SENDING THEM THINGS IN THE MAIL. It was ridiculous. And there is no way to “turn off” the mail, or the constant notifications. What was frustrating more than anything though was when the customer would get 3 bills for the same billing period but with 3 totally different amounts due on each. Then when they would call me looking for an explanation, I would call the billing department and they couldn’t give me an answer either.

    Also there was never a way to tell a customer “This is what you will see on your bill” or “This is exactly how much you owe and you will be paid in full”, because there was never a certainty it would remain consistent. Bills constantly were wrong and the way Farmers has their billing set up, there is never a time when the customer is actually “paid in full” they are either ahead or slightly behind.

    It was a very illuminating experience working for them after I had been a customer for so long. Their systems and the lack of flexibility in their products were so frustrating that I removed their products from my agency and switched my insurance to State Farm.

    All I got from them was constant frustrations with no answers, and uncompetitively priced, limited products to offer customers; and HUGE problems with billing or discounts.

    Even for a perfect driver, you will experience rate hikes for no apparent reason. They have excellent claims department, but at the same time, they will be very stingy as what will be covered and how much they will pay. Also unless you ask the specific questions, they won’t just give out answers or information.

    So as a consumer when you are not a professional in that industry and don’t have the time to be a professional in the industry, you are counting on the transparency and information the agent or company gives you, hoping it is the WHOLE story and not just part of it, like bait. However, with Farmers you will find, its very hard to get the WHOLE story or even the consistent story every time.

    Farmers Insurance Group Review

    By Eric Stauffer on May 27, 2017 40

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    Farmers Insurance Group Overview

    Farmers Insurance Group is one of the most recognized brands when it comes to personal insurance in the United States, and for good reason. They are one of the top 5 largest auto insurance companies, with around 6% of the entire market.

    A lesser known fact is that Farmers is actually a subsidiary of a much larger organization, Zurich Financial Services. Zurich is a multinational firm that has a footprint all across the globe. Farmers serves as its United States arm for property and casualty insurance, and well as life insurance products.

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

    These additional brands give Farmers Insurance agents more flexibility when it comes to writing policies.

    Why is this important to you?

    Farmers’ sales force is primarily made up of what are called Captive Agents. A captive agent is an insurance salesperson that is only allowed to sell products for a specific company. That means they cannot go out and get appointed from multiple firms, thus limiting their options when providing coverage for clients.

    Each brand that Farmers owns and operates has a unique set of underwriting guidelines and risk profile. So that means premiums will vary from company to company. Because of this, you may walk into a Farmers Insurance agent’s office, but walk out with a Bristol West policy because it can provide better coverage at a more affordable price.

    The bottom line is it gives Farmers agents more flexibility and options when it comes to writing policies.

    Products and Services

    Farmers is truly a one-stop-shop when it comes to personal insurance. That means for the vast majority of individuals and families, they will be able to get all the coverage they need under one roof.

    Does that mean Farmers is the best choice?

    We will figure that out in the rest of this review. But for now, let’s take a look at their extensive list of product offerings. Below the list you will find my thoughts.

    • 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 insurance, whole 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.

    As you can see, Farmers offers a number of insurance products and makes it possible for many people to solve all their coverage issues with one agent.

    Here are my thoughts:

    There has been a trend lately among large insurance companies, where they try to differentiate themselves by offering ridiculous insurance add-ons that ultimately just cost customers money.

    A prime example of this is the magically disappearing deductibles. Companies like Safeco and Nationwide heavily promote these features, which in my opinion, act as nothing more than a way for insurance companies to drive up rates.

    The current state of the insurance industry (especially auto insurance) is not so much companies trying to provide better products and services at a lower price, but rather trying to win over customers by using gimmicky products (like vanishing deductibles) or rebranding a standard coverage option as something unique to them. (I am specifically looking at you Nationwide, and your Brand New Belongings add-on.)

    The good news here is Farmers doesn’t participate in this as much as some other companies.

    It’s refreshing, to say the least, that one of the five largest auto insurance companies is not jumping on the magic deductible bandwagon.

    That being said, Farmers is not without their gimmick add-ons.

    Accident Forgiveness

    The summary of this add-on is that Farmers will forgive one accident within a three year period. What that means for you is an accident will not be factored into your rates, as long as it qualifies.

    I have gone back and forth on this over the years, but now I am pretty set against it. Here is why:

    Insurance companies base just about everything off averages. They know, on average, X amount of people will do this, so they charge $Y to cover the cost. In addition to covering the cost, they also need to earn a profit, otherwise the entire option becomes pointless.

    That means on average, drivers that purchase this add-on will end up paying more into it than they will receive back over a driving lifetime.

    Let me be clear, some people will benefit from having this and may actually come out ahead. But most people will not. It’s like an extended warranty.

    We already pay more into insurance than most of us get back in our lifetimes, so why add to the deficit?

    Life Insurance

    There is nothing overly concerning or that stands out when it comes to Farmers life insurance products. However, I do want to add a bit of my personal opinion as it relates to life insurance as a whole.

    I am a strong believer that most people can benefit greatly from a properly structured term life insurance policy and investment portfolio over a permanent life insurance product like whole life. In fact, I even wrote an entire post about it with examples:

    The 30,000 foot view of the article is that the cost difference between a term policy and similar whole life policy is so dramatic, that you can invest the difference and almost always come out ahead long term (with appropriate investments).

    As the customer, you should be aware that insurance agents make huge commissions on permanent life insurance products, and that is a big reason why they are sold as “great investments.” Most financial advisors that are not paid by life insurance commissions agree they are not.

    So what does this have to do with Farmers Insurance?

    It really doesn’t, beyond the fact that their agents do sell term and permanent life products. I just want to make sure you are armed with this knowledge before sitting down with someone who has a vested interest in selling you a permanent life insurance product.

    Ready for a break? Watch my video review of Farmers Insurance.

    Farmers Insurance Rates and Premiums

    Until a few years ago, the only way to get a quote from Farmers was to work directly with an agent. Now you can start a quote (and see a rate) on their website, and then have it forwarded on to a local agent in order to finish the process.

    The quote process is quite simple on the website, and the flow is pretty clean. I mention this because some insurance companies make getting a quote online very clunky, and/or require way too much information just to see a price.

    But the good news stops there.

    The results of my quote test showed Farmers is pretty expensive. In fact, they came in almost 15% above the average (14.36% to be exact).

    This is the thing about agent-driven insurance companies; they have to pay pretty large commissions to their agents for each new policy and renewal. This differs from direct insurance companies like GEICO, Progressive and Esurance, who can often skip the middleman in these scenarios.

    Farmers Insurance does not target low-cost shoppers. And with good reason, given how expensive our test came back.

    Advertising and Media

    I have to admit, I personally like Farmers’ ad campaign showcasing Professor Burke (J.K. Simmons) as an all-knowing insurance guru. My current favorite is this one with the Lamborghini.

    The gist of the campaign is that a Farmers agent will help you find where there are coverage gaps, as well as show you where you are over-insured.

    The message is actually good advice, which is that many people just buy insurance and then forget about it. Instead, it should be actively monitored to make sure no gaps in coverage arise. Farmers’ ad campaigns are a force to be reckoned with, the latest being a hilarious mock promo video based on real life claims.

    There is another marketing gimmick appearing in the insurance industry and it revolves around the idea that a particular company is able to better find coverage gaps and missed discounts because they offer some special “second check” of your policy.

    You may have heard of them:

    • Discount Double Check (State Farm)
    • On Your Side Review (Nationwide)

    The reality is every insurance agent should be doing that anyways.

    Whether you are buying an insurance policy from them for the first time, or you are an ongoing client, a good agent should be reviewing your coverage on a somewhat regular basis to ensure you are adequately protected.

    Farmers Insurance Claims

    For many people, the two most important aspects of an insurance company are rates and claims. Unfortunately for Farmers, their rates are not that great. What about their claims handling?

    Let’s start by looking at how you can file a claim:

    • Phone – 800-435-7764
    • Online – Claims Center
    • Smartphone App – Farmers iClaim

    Once the claim has been filed, a representative will contact you in order to fill out the rest of the request. This part is important because the agent will use your answers in determining coverage, fault, payout, etc. They may also schedule an in-person interview if needed.

    After the pertinent information is gathered, the covered item will be inspected for damage and a loss total will be established. Farmers has a network of repair facilities they prefer their customers use, but you are not required to.

    Farmers provides a pretty useful outline for their claims process on their website, and you can view it here.

    The process seems pretty boilerplate, but how does it stack up against their competitors?

    As previously discussed, Farmers Insurance is huge. Therefore, their claims process is quite efficient. They have a number of preferred repair shops throughout the country, and they have a large number of claims agents that can be mobilized to just about everywhere.

    Because of their size, they can also set up mobile claims centers in certain disaster areas after a major incident. For example, if a flood or hurricane hits a location, they can send a number of people to that specific spot in order to help with all the claims processing.

    While that all sounds good in theory, how do customers actually feel about Farmers’ claims process?

    Customer sentiment about Farmers claims handling is not as positive as one might hope. When researching for this review, I came across a lot of complaints about the results of Farmers claims. These complaints came from people insured with Farmers, as well as those involved in an accident with a Farmers insured customer.

    This leads us to our next section – Customer Feedback

    Customer Feedback

    Complaints about Farmers can be found all over the internet, even right here on this page. Below this review you will find other people who have taken the time to share their experiences with Farmers in the comment section.

    Here are a few complaints that stand out:

    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.

    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 [Farmers] 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…

    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!

    I kept farmers insurance after my husband got Alzheimer’s. 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.

    The comments on other websites do not look much better:

    According to a person on Pissed Consumer, Farmers questioned their claim because the insured did not have a lot of money in the bank and had a bad credit score. This individual felt as if the Farmers adjuster was accusing them of stealing their own stuff (or faking it) in order to receive an insurance settlement.

    Another individual declared on the same website that Farmers low-balled their settlement after being hit by Farmers insured driver. According to them, both drivers had Farmers insurance, and they have been fighting over their settlement for a long time.

    Farmers Insurance is an accredited company on the Better Business Bureau website and has been since 1951. The site gives the company an A+ rating and almost 4 out 5 stars. Because of the size of the company, it is not surprising that there are plenty of complaints on the website. The good side, however, is that it seems as though Farmers does their best to follow up with the complaints.

    Bottom Line

    Low-cost insurance shoppers and DIY people will probably want to look elsewhere.

    Insuring with Farmers is probably not going to get you the best deal, unless you can bundle a lot of products together and get some good discounts. They are best-suited for individuals, families and businesses that have complicated insurance portfolios and need the help of an agent to get adequately protected. But even in that scenario, I think there are better options out there.

    While researching for this review I came across a lot of complaints about Farmers’ claim process. (Some of which can be found in the comments section below.) While it is not unusual to find a large number of complaints for an insurance company this size, the ones I found were overwhelmingly about claims-related topics.

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

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    Review Information

    About Eric Stauffer

    I 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.

    Reader Interactions

    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!

    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.

    kia katanchi says

    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

    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.

    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.

    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.

    David Turk says

    [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.

    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.

    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.

    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.

    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.

    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.

    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.

    Joanie Moore says

    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.

    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.

    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.

    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.

    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.

    Bemene Kennedy says

    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]

    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.

    Dale Sirkle says

    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?

    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.

    Amy Silknitter says

    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.

    chris wilson says

    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.

    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.

    Debbie Elliott says

    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.

    Would never recommend. Very biased & unprofessional claims unit.

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