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Farmers Insurance
Farmers Insurance earns 4.4/5 for broad auto and property coverage, a local-agent model, more than 20 advertised auto discount options, customizable homeowners protection, Signal telematics, and useful online claims tools. It is a strong fit for households comparing auto, home, or renters coverage together. It is not a universal low-price winner: every premium and issuing company is profile- and state-specific, advertised savings are not guaranteed, and riskier driving recorded by Signal can increase the renewal premium.
What to know about Farmers Insurance
Farmers Insurance earns 4.4/5 for broad auto and property coverage, a local-agent model, more than 20 advertised auto discount options, customizable homeowners protection, Signal telematics, and useful online claims tools. It is a strong fit for households comparing auto, home, or renters coverage together. It is not a universal low-price winner: every premium and issuing company is profile- and state-specific, advertised savings are not guaranteed, and riskier driving recorded by Signal can increase the renewal premium.
Pros
- Broad auto, homeowners, renters, umbrella, and specialty coverage
- Local-agent guidance supported by online account and claims tools
- More than 20 advertised auto discounts and useful bundle options
Cons
- No universal price advantage and advertised savings are not guaranteed
- Products, discounts, and issuing companies vary by state and risk
- Riskier driving recorded by Signal can increase renewal premium
Scoring breakdown
- Price4.0/5
- Coverage4.7/5
- Claims Experience4.4/5
- Discounts4.7/5
- Customer Service4.5/5
Verified product facts
- Pricing
- Personalized premium based on the applicant, drivers, vehicles or property, ZIP code, coverage, limits, deductibles, discounts, claims, underwriting company, and state rules; advertised savings are switcher-survey results, not a guaranteed rate
- Coverage Types
- Auto, homeowners, renters, condo, umbrella, motorcycle, recreational vehicle, boat, life, business, pet, flood, earthquake, specialty property, and affinity-group products, with product and company differences by state
- Availability
- Farmers serves households and businesses through multiple companies and channels across the U.S., but each insurer, product, policy form, discount, and new-business appetite is state- and risk-specific; Signal is unavailable in FL, HI, NY, and SC, and its discount is unavailable in CA
Where Farmers Insurance ranks
Every DollarScout ranking that includes Farmers Insurance.
Farmers Insurance reviews
Fact-checked July 19, 2026. Sources: Farmers auto insurance and current product disclosures, Farmers auto discounts, Farmers Signal telematics terms, Farmers homeowners insurance, Farmers homeowners quote process, Farmers homeowners coverage options, Farmers renters insurance, Farmers renters coverage, Farmers claim filing and tracking, Farmers auto claims and repair paths, Farmers organization and distribution description, Farmers companies and state licenses, NAIC auto insurance shopping guidance, NAIC homeowners and renters guidance.