Foremost Car Insurance

Looking for information about Foremost Car Insurance? We've got you covered.

Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

Compare Rates
This profile will tell you everything you need to know about Foremost Insurance. You’ll learn which states the company serves and where the company sits in terms of its financial strength. We also provide details about 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 Foremost handles its claims process. From there, you’ll have all the tools you need to decide whether Foremost is the right insurance provider for you.

Best If

  • You want a variety of coverage options

Worst If

  • You want a fast claims and pay-out process

By The Numbers

  • Foremost offers insurance in all 50 states and Washington, D.C.
  • Has 38,000 agents across the country

Consumer Reviews

    • Many customers expressed their happiness with Foremost’s customer service and with the wide variety of insurance products
    • Some consumers complained about the company’s high premiums
    • Gave Foremost 3 out of 5 stars
    • Raved about the company's wide variety of insurance products and discounts
    • Liked the detail and extensiveness of the claims process
    • Disliked the high premiums that result from the company being a high-risk insurer
  • Better Business Bureau
    • Gave Foremost an A+ rating, though it is not BBB accredited
    • The company's length of time in business as well as its small volume of complaints for such a large business contributed to its score

Consumer Satisfaction and Financial Strength Ratings

Consumer Complaint Data

Total Complaints
Percent Change
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
Policy Offerings
Local Agent
Call Center Representativ
Insurer Website
Below average

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

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

Financial Ratings

A.M. Best
Excellent rating; third-highest possible
Strong; third-highest possible rating

Market Share

Foremost Insurance is affiliated with Farmers Insurance Group. As of 2015, Farmers Insurance’s market share is 3.3 percent, according to the NAIC. That makes it the 8th largest in the nation, having written $19.1 billion in Property and Casualty premiums.

Roadside Assistance

Foremost Towing and Roadside Service Coverage

With the additional Towing and Roadside coverage will get you roadside service on covered vehicles, but could be subject to a maximum policy limit.

Foremost offers towing and other roadside services to its customers. It also will cover any roadside costs for you subject to a maximum limit on your auto policy.

Services Covered

  • Towing
  • Battery service
  • Tire change
  • Gas delivery

Contact Phone Number

You can call Foremost 24-Hour Roadside Assistance at 1 (800) 554-6678.


Foremost Insurance Company was founded in 1952 by two investors named Edward J. Frey and Edward L. Stoddard. At the time, their main objective was to create a company that provided insurance to American families living in mobile homes. With the birth of Foremost, construction standards for mobile homes improved, and banks started lending for mobile home purchases. In the 1960s, Foremost became the first company to create a travel trailer policy. This benefited many Americans who liked to travel often and needed coverage.

Foremost expanded in the 1970s when it added boats, motorcycles, minibikes, snowmobiles, and ATVs to its repertoire. They pride themselves on having easy-to-read policies that are straightforward and to the point for interested clients. Fast forward to 2000, Foremost becomes acquired by the Farmers Insurance Group.

Nowadays, Foremost continues to provide 43 states with exceptional auto insurance service. Another unique trait of Foremost is its HelpPoint Claim Services, which provide aid to customers within hours of a natural disaster.

Claims Process

With Foremost, you can report claims either on line, through your local agent, or by phone.

To file a claim with Foremost, click here.

After filing your claim, a claims representative will be assigned to you to further investigate and assess the damages. After an estimate is drafted, the necessary steps to get your vehicle repaired and claim settled will be taken.

Contact Information

Claims Site
Customer Service Site

Mailing Address:
P.O. Box 2487
Grand Rapids, MI 49501-2487

Customer Service Phone Number: 1 (888) 888-0080