Compare Farmers vs. The General Insurance

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The General and Farmers are two well-known companies in the insurance world. The General was founded in 1963, and Farmers was founded in 1928. While Farmers offers a wide selection of coverage and vehicle discounts, its online tools and learning materials are subpar. On the flip side, The General is acclaimed for its easy online-quote tool, and for the fact that it offers insurance at affordable rates to high-risk drivers. However, The General has received very negative customer satisfaction ratings, and criticism for its limited claim services. Still, both companies have excellent financial strength ratings. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Farmers The General
Best If Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
The General
  • You don’t have a perfect driving record but still want affordable insurance rates
Worst If Farmers
  • You want slick online tools to manage your policy
The General
  • You want good customer service and consistency

Special Car Insurance Discounts

Farmers The General
Farmers

Farmers Inner Circle is an exclusive information hub for Farmers customers. It provides tips and resources for saving money on insurance and how to keep your premiums from increasing. 

The General

Standard Car Insurance Discounts

Bundling Coverage Discounts Farmers The General
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Farmers The General
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Farmers The General
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Farmers The General
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Farmers The General
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Farmers The General
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Farmers Car Insurance The General Insurance
2016 167 13
2015 262 14
2014 237 3
2013 300 4

U.S. Auto Insurance Shopping Study (2016)

Farmers Car Insurance The General Insurance
Overall Purchase Experience Average Above average
Policy Offerings Average Above average
Pricing Average Above average
Local Agent Average Above average
Call Center Representative -- --
Insurer Website Below average --

U.S. Auto Insurance Claims Satisfaction Study (2015)

Farmers Car Insurance The General Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Average
Service Interaction Above average Above average
Appraisal Average Average
Repair Process Average Average
Rental Car Experience Average Above average
Settlement Average Average

Financial Strength Ratings

Farmers Car Insurance The General Insurance
A.M. Best A A-
Moody's Aa3 --
S&P's A+ --

Mobile Apps

Farmers The General
Farmers

The Farmers Insurance Mobile App helps customers manage their insurance on the go. With its quick access, you can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place and with one touch. The app also lets you view the details of your coverage policy, get updates from a message center, and have instant access with a “Keep Me Logged In” feature. Download the app here.

The General

The General Mobile App grants users easy access to their policy info on their mobile devices. It also lets them pay their insurance premiums, view their insurance ID cards, and even get a quote.

To download the app for iPhone, click here. To download the app for Android, click here.

Roadside Assistance

Farmers The General
Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services facilities. If you choose to select your own roadside service that is out of Farmers network, you will have to file a claim for reimbursement up to $150.

Farmers’ Roadside Emergency Safety is available by calling 1 (800) 435 -7764. Its roadside service is available by clicking here. Its Roadside Emergency Safety program can help you with an emergency tow, jump start, flat tire, lockout assistance, roadside winching, and ambulance services. 

The General

The General 24/7 Roadside Assistance

The General's roadside assistance plan is provided thru a partnership with Nation Safe Driver (NSD). Roadside assistance isn't purchased with you General auto insurance policy, it's a membership with Nation Safe Driver. Plans cost $10/month.

Services Covered

  • Towing
  • Battery service
  • Fuel delivery
  • Lock-out service