Auto Insurance · Editor review
Farmers Insurance review.
Best for: Drivers who want a wide agent network and the flexibility of three coverage tiers (Standard, Enhanced, Premier).
Avg annual premium
$1,920
A.M. Best rating
—
Provider type
carrier
Coverage
50 states
What we like
- +3 explicit coverage tiers (Standard / Enhanced / Premier) — clear coverage comparison
- +Strong agent network: 11,000+ agents across all 50 states
- +Signal telematics app: 15% sign-up discount + up to 22% additional based on driving
- +Glass deductible buyback: \$50 to wave the windshield deductible
- +Strong young-driver pricing relative to State Farm + Allstate
What we don't
- −Premiums average 5–12% above State Farm baseline for equivalent coverage
- −Claims service ratings are middle-of-pack — J.D. Power average
- −Less competitive in California (limited agent presence)
- −Bundling discount slightly weaker than State Farm + Allstate (typically 12–15% vs. 16–18%)
Editor's verdict
Farmers Insurance ships three explicit coverage tiers — Standard, Enhanced, and Premier — making it easier to understand exactly what you're paying for. Pricing is mid-tier (similar to Nationwide, 5–12% above State Farm baseline). Their Signal app is one of the better telematics programs we've tested, with less aggressive surcharging than Progressive Snapshot for inconsistent driving patterns. Strong choice for drivers who want a structured coverage decision.
Advertiser disclosure: Offers below are from partners that compensate us when you click or apply. Compensation does not determine our rankings. How we make money.
Farmers Insurance FAQ
What's the difference between Farmers' three coverage tiers?+
Standard: state-minimum-equivalent liability + basic comprehensive/collision. Enhanced: adds higher liability limits + roadside + better rental reimbursement. Premier: highest liability tier + accident forgiveness + new-car replacement + better OEM-parts coverage on repairs. Premium difference between Standard and Premier: typically 18–30%.
Is Farmers Signal a good telematics program?+
Yes — Signal is less punitive than Progressive Snapshot for inconsistent driving patterns. The base sign-up discount (15%) is also generous; some drivers can capture the discount without committing to the full evaluation period.
How does Farmers compare to Allstate or State Farm?+
Pricing: Farmers ~5–12% above State Farm baseline; comparable to Allstate. Service: Farmers comparable to State Farm; better than Allstate. Choice between Farmers vs. State Farm usually comes down to local-agent availability and quote-specific pricing.
Does Farmers offer a military discount?+
Yes — typically 5–8% off for active-duty / veteran. Less generous than USAA (which is military-only and prices 15–25% below the national average anyway). For military families, USAA is almost always the better choice; Farmers is a fallback if USAA isn't competitive in your state.
Other lender reviews
Auto Loan
LightStream
Auto Loan
AutoPay
Auto Loan
PenFed Credit Union
Auto Loan
Capital One Auto Navigator
Refinance
AutoPay (Refinance)
Refinance
Caribou
Auto Insurance
State Farm
Auto Insurance
GEICO
Auto Insurance
Progressive
Auto Insurance
Allstate
Auto Insurance
Insurify
Auto Insurance
Liberty Mutual
Auto Loan
Navy Federal Credit Union
Auto Loan
Bank of America Auto
Auto Loan Marketplace
myAutoLoan
Auto Insurance
USAA Insurance
Auto Insurance
Nationwide Insurance
Auto Insurance
Travelers Insurance
Extended Warranty
Endurance Warranty