How Does Farmers Car Insurance Compare?
In a Nutshell: Farmers is a well-established insurer with strong bundling options and a large agent network. Average full coverage premium is about $2,300/year — 12% above the national average. Farmers is best for drivers who want extensive coverage options, unique add-ons, and local agent service. The Signal usage-based program offers moderate savings.
Farmers Average Rates
| Coverage Level | Farmers Premium | National Average | Comparison |
|---|---|---|---|
| Full coverage | $2,300 | $2,050 | 12% above avg |
| Liability only | $780 | $690 | 13% above avg |
| With bundle (home + auto) | $1,850 | $2,050 | 10% below avg |
Farmers Discounts
| Discount | Savings | Notes |
|---|---|---|
| Multi-policy (home + auto) | 15–25% | Good bundling savings |
| Good student | 10–20% | B average or better |
| Early quote | 5–10% | Start policy 7+ days ahead |
| Claims-free | 10–15% | No claims for 5+ years |
| Anti-theft | 10–25% | Vehicle has alarm/immobilizer |
| Mature driver | 5–15% | Age 55+ with defensive driving |
| Pay in full | 5–10% | Avoid installment fees |
Farmers Customer Satisfaction
| Rating Source | Farmers Score | Industry Average |
|---|---|---|
| J.D. Power (Overall) | 825/1000 | 835/1000 |
| NAIC Complaint Index | 1.45 | 1.00 (baseline) |
| AM Best | A | A+ |
Farmers Pros and Cons
| Pros | Cons |
|---|---|
| Strong add-ons (accident forgiveness, new car replacement) | Rates above average |
| Local agent network | More complaints than average |
| Home + auto bundling | Below-average J.D. Power scores |
| Unique coverage options (GAP, rideshare) | Not available in all states |
| Signal telematics program | Higher rates for high-risk |
Key Takeaways
- Farmers averages $2,300/year — 12% above national average
- Best for bundle discounts with local agent service
- NAIC Complaint Index: 1.45 (above average)
- Signal usage-based program available in select states
- Competitive add-ons but higher base rates
Last updated: July 2026
Disclaimer: This article provides general information about Farmers car insurance. Actual premiums vary. Always obtain personalized quotes.