Farmers Car Insurance

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This review will tell you everything you need to know about Farmers Insurance Group. You’ll learn which states the company serves and where it fits in terms of financial strength. We also provide sources that show how consumers view their experience with the company, as well as information on the many discounts it offers. Finally, we’ll walk you through how Farmers handles its claims process. From there, you’ll have all the tools you need to decide whether Farmers is the right insurance provider for you.

Best If

  • You want a lot of coverage and vehicle discounts, or if you are accident-prone

Worst If

  • You want slick online tools to manage your policy

By The Numbers

  • Farmers has 25,000 agents nationwide
  • Offers insurance in all states EXCEPT: Alaska, Connecticut, Florida, and Hawaii

Consumer Reviews

  • TopTenReviews.com
    • Although Farmers Insurance did not receive a top 10 spot, they were praised for their special plans for collectible vehicles
    • Ranked 7 out of 10
    • Criticized for its lack of 24/7 customer service line
    • Applauded for its competitive rates and good customer service
  • Reviews.com
    • Gave Farmers a four-star rating
    • Favorite aspects:
      • Extensive policy options and coverage
      • Quality vehicle coverage and benefits
      • Great policy management
    • However, limited driver discounts, poor learning materials, and mobile apps detracted from Farmers' ratings
  • Better Business Bureau
    • Gave Farmers an A+ rating; BBB accredited since 1951
    • Cited Farmers' good rate of response and resolution of complaints; length of time in operation also contributed to its high rating

Consumer Satisfaction and Financial Strength Ratings

Consumer Complaint Data

Year
Total Complaints
Percent Change
2016
167
-36%
2015
262
2014
237
-21%
2013
300
--
Source: National Association of Insurance Commissioners

J.D. Power ratings by region (out of 1000)

  • California: 793 — slightly below average
  • Central: 819 — slightly below average
  • Florida: N/A
  • Mid-Atlantic: N/A
  • New England: N/A
  • New York: N/A
  • North Central: 812 — slightly above average
  • Northwest: 828 — above average
  • Southeast: N/A<
  • Southwest: 797 — below average
  • Texas: 811 — below average

U.S. Auto Insurance Shopping Study (2016)

Overall Purchase Experience
Average
Policy Offerings
Average
Pricing
Average
Local Agent
Average
Call Center Representativ
--
Insurer Website
Below average

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

Overall Satisfaction
Average
First Notice of Loss
Average
Service Interaction
Above average
Appraisal
Average
Repair Process
Average
Rental Car Experience
Average
Settlement
Average
Source: J.D. Power

Financial Ratings

A
A.M. Best
Excellent rating; third-highest possible
Aa3
Moody's
Low credit risk; fourth-highest of 21 possible ratings
A+
S&P's
Strong, but still susceptible to adverse business conditions

Market Share

According to the NAIC (National Association of Insurance Commissioners), Farmers’ market share was 3.3 percent in 2015, making it the eighth largest in the nation. That year, they wrote $19.1 billion in Property and Casualty premiums. 

Typical Discounts

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. 

Roadside Assistance

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. 

Mobile Apps

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.

History

Farmers Insurance Group was founded in 1928 by John C. Tyler and Thomas E. Leavey. Both men grew up in rural families and had extensive farming backgrounds. John and Thomas dreamt of a time when farmers could acquire insurance for their agricultural vehicles. In 1928, that dream was realized when their insurance business opened in downtown Los Angeles. Over the decades, Farmers added truck, home, life, and other insurance products to its services.

Today, Farmers serves as the title sponsor of the Farmers Insurance Open PGA tournament at Torrey Pines. They also raise funds as part of the PGA tournament as well as through the Century Club of San Diego for local charities. Aside from that, Farmers continues its legacy of providing insurance and good service to those who need it.

Claims Process

To file a claim with Farmers, click here.

Farmers has a five-step claims process that sees every claim through from start to finish.

1. Claim Assignment
When the company receives the claim, they’ll assign it to a claim professional.

2. Initial contact
Once the professional looks over the claim, you’ll be contacted to talk to you about your coverage policy. The professional will explain how your claim will be handled and even suggest more ways to ensure your property is protected from further damage.

3. Estimate and evaluation
This will determine what is and isn’t covered as well as assess the overall damages. Witnesses or other individuals involved may be interviewed to gather more helpful data.

4. Resolution
Farmers will work with you to resolve your claim by either paying what you’re owed or explaining why your claim cannot be covered or compensated.

5. Closing the claim
This final step is pretty straightforward. Your claim will be processed under the terms of your coverage. Should there be more expenses, Farmers can reopen your claim for further investigation.

If you’ve filed a claim, and wish to view it, you can do so here. You may also contact your insurance agent, or call 1 (800) 435 -7764.

Contact Information

Claims Site
Customer Service Site

Mailing Address:

6301 Owensmouth Ave.
Woodland Hills, CA 91367

Customer Service Phone Number: 1 (800) 823-6355