Farmers Car Insurance In Depth Review 2026

Most people think Farmers is expensive or outdated but the truth it might offer some of the best coverage options in the country if you're the right type of driver. In this review we're breaking down where Farmers ranks nationally, why it ranks number one for coverage options, where it falls short including pricing and customer complaints, and who should get a policy and who shouldn't. By the end you'll know whether Farmers car insurance is worth considering or if you should keep shopping. Out of the 79 insurance carriers rated by Money Geek in the country, Farmers comes out in 11th for overall ranking. That's respectable but not standout. It's about in the upper middle tier. In specific categories Farmers ranks 12th for customer experience, 13th for affordability, but number one for coverage. That's right it means for coverage options in terms of the breadth and depth Farmers is number one. But what do these rankings actually mean at a glance? Well it means Farmers is strong on protection, it's okay on the customer experience, and it's below average, in other words kind of expensive, on price. Now let's jump into the specifics talking about how much Farmers car insurance costs for different types of drivers in different locations. For a standard 40 year old driver with a clean driving record, Farmers costs an average of $87 a month for minimum coverage and $166 a month for full coverage. And if you look at some specific higher risk drivers, Farmers actually ranks in the middle to higher tier in terms of more expensive car insurance policies for drivers. You'd have young drivers, those with poor credits or those with an accident or DUI paying a little more than average for their insurance. Translation, Farmers is almost never the cheapest option. But there is one category for where Farmers outshines the competitors and for this reason it may be worth it for some drivers for that extra cost per month. That category is coverage depth. If you're looking for standout or unique coverages, Farmers is number one in the country according to Money Geeks research. Let's highlight the standouts. First and this is a big one, it's vehicle replacement plus. If your car is less than two years old and has less than 24,000 miles and you total your car, Farmers will replace that car with a brand new vehicle. And if your car is older than that, they'll replace it with a newer model with at least 20,000 fewer miles. Most insurers will just pay the actual cash value of your car so that's depreciation your car has seen over the years or only pay new car replacement if your car is in your first year. So if you have a new car and you really want to protect it against that risk, Farmers is one of the best options and one of the most generous options on the marketplace. Second is declining deductible. Not totally unique but not all insurers offer this. For every term that you don't have a claim, Farmers will decrease your collision deductible over time. So initially have to make a claim, you'll pay less. Finally, if your car is less than 10 years old, there's OEM coverage aka original equipment manufacturer coverage. This means that Farmers when repairing your car will guarantee the original manufacturer's parts in your car rather than some substitute aftermarket parts. Why does this matter? Well having the original parts will preserve its resale value and probably help your car last longer. So getting this coverage with Farmers can actually help the long-term value of your car after a claim. But more options don't always mean better value and that brings us to customer experience. When we looked at policyholder reviews and forum discussions, a clear pattern emerged. Customers like the strong local agent relationships, the accident forgiveness, and the signal app, a driver tracking program that can actually save you money on your car insurance policy if you drive well based on your actual drive. Customers complained about higher than average premiums, rate hikes on renewal, a slower and consistent claims process, or unfair settlement costs after a car is being totaled. Here's the big takeaway. Claim experiences seem to vary based on location. Some customers in some parts of the country complain about a long and protracted process and some say it's very fair in time. Still not sure where you lean on Farmers? Let's sum it up. Farmers tends to work well for those who want really customizable coverage options, those who want a strong local agent relationships, those who want a bundle home and auto, and those who will have a newer car and really want to protect that investment. It also could be competitive in price for certain riskier drivers depending on where you live. However some types of drivers should probably look elsewhere including young drivers, those with records on their violations such as accidents or DUIs, people who are very budget focused, or those who want a digital first experience. Companies like GEICO, Progressive, Travelers, USAA, they often beat Farmers on price. But once again Farmers competitive advantage is not the price, it's their depth and coverage options. Bottom line, is Farmers car insurance any good? Yes, but not universally. Farmers is great for customization of coverages and has a strong local agent experience, but it's more expensive than average, has a mixed record on claims, and has a higher complaint ratio than many other insurers. If you value coverage depth and agent relationship and Farmers has a competitive rate, you might want to look into them. But if you're budget focused and a higher risk driver, it's best to start your journey somewhere else. My final advice for whether or not to pick Farmers is the same as it would be for any other company. Make sure you compare rates for at least Farmers and several other companies, because rate competitiveness could depend on you and your specific location and state. And make sure when you compare them, you have standardized car insurance limits, because you want to compare like for like. You want to compare a full coverage policy to a full coverage policy. Like we said, car insurance pricing can be hyper local, so there might even be some people for whom Farmers insurance is cheap. Luckily at Money Geek you can look up all car insurance rates for major insurers in your state or city and compare them side by side using our tools or just reading our content. If you like this video, please consider subscribing for more unbiased insurance reviews based on the data and more advice on how to save and how to understand your insurance policies.