Farmers Insurance Group ratings and coverages

How much does Farmers car insurance cost?

Car insurance rates can vary drastically from person to person. The reason is because rates are impacted by a number of factors unique to you such as your age, marital status, credit score, where you live and the company you choose.

For example, Farmers insurance average cost in Florida will be different than average car insurance rates in Iowa or California.

But it can help to look at average car insurance rates to have an idea of the cost.

It's also important to know what car insurance coverage you want and what you are required to buy.

The minimum requirements vary by state, however, the basic coverage generally includes liability insurance and uninsured/underinsured motorist coverage. If you want extra protection, it's best to consider full coverage insurance.

In the graph below, you can see the average cost of Farmers car insurance compared to the national average cost of car insurance. The graph is split into four categories: teen driver, single adult, married couple and senior driver.

The average Farmers car insurance rates for teen drivers, single adults and married couples are higher than the national average cost of car insurance. The average Farmers rates for senior drivers are slightly lower than the national average.

Please note that these are average car insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect car insurance rates.

How much does Farmers homeowners insurance cost?

Just like car insurance rates, homeowners insurance rates also widely differ based on characteristics of you and your home. Factors that affect homeowners insurance include the location of your home, your home’s condition and age, the size and type of home, the crime rate in your area, your insurance claim history and your credit score.

Standard policies include the typical homeowners coverages while Enhanced and Premier policies offer additional coverage such as claim forgiveness, declining deductibles, and cosmetic damage repair.

In the graph below, you can see the average cost of Farmers homeowners insurance compared to the national average of homeowners insurance. The graph is split into two categories: a home worth $200,000 and a home worth $400,000.

The average Farmers homeowners insurance rates for both home profiles are both higher than the national average of homeowners insurance.

Please note that these are average homeowners insurance rates based on specific profiles and your rate could be higher or lower based on your unique characteristics that affect homeowners insurance rates.

What discounts does Farmers Insurance offer?

Farmers prides itself on offering insurance discounts as a reward for safe habits and smart planning.

• Distant Student Discounts: Policyholders with students who attend school away from home are eligible for a discount with Farmers.
• Homeowners Discounts: If customers own their own home, they may be eligible for a discount with Farmers.
• Mature Driver Discounts: Farmers rewards senior, experienced drivers with discounts.
• Safety Discounts: Vehicles covered by Farmers with standard safety equipment, such as anti-lock brakes and restraint systems, are eligible for a discount.
• Bundling Discounts: Combining auto insurance with additional policies allows Farmers customers to receive discounts.

Farmers Insurance FAQs

Does Farmers offer accident forgiveness?

Farmers Insurance does offer accident forgiveness coverage as an optional add-on to your policy. Farmers will forgive one at-fault accident for every three years you drive and don’t have any accidents. With accident forgiveness, one at-fault accident won’t affect your car insurance premium.

Is Farmers Insurance only for farmers?

Farmers Insurance is not only for farmers — people all over the United States are eligible for insurance from Farmers. Farmers’ name originates from the beginning of the insurance company.

Farmers Insurance was originally created to insure vehicles of rural farmers. Now, it offers many lines of insurance products available to everyone.

Does Farmers Insurance check your credit?

Farmers insurance may take your credit standing into consideration when determining prices for your insurance premiums. Most insurance companies do. Your credit score can affect your car insurance rates in all states except California, Hawaii and Massachusetts.

t can affect your homeowners insurance rates in all states except California, Maryland and Massachusetts.

Does Farmers cover roof leaks?

Farmers may cover your roof leak, depending on what has caused it. Typically, homeowners insurance policies cover roof leaks caused by covered perils but won’t cover them if they’re caused by normal wear and tear and your neglect to repair or replace your old roof.

More about Farmers insurance

Farmers Insurance Group’s website is a great place to learn more about the company’s offerings. The Farmers site also can connect you with an agent to learn more about Farmers, receive an insurance quote, pay your bill, submit a claim, access roadside assistance and more.

Farmers Insurance offers a mobile app that allows you to have direct access to everything Farmers has to offer, 24/7 through your smartphone. Farmers Insurance’s mobile app lets you view your ID cards, pay bills, view policy documents, set up payment reminders and report a claim.

Farmers also offers Inner Circle, a site that offers tips and insights on all things insurance, including info on changing auto insurance rates, shopping for auto insurance for teens, roadside emergency safety, driving hacks and more.

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