Farmers Auto Insurance Claims: The Inside Story

Farmers Insurance is one of the largest auto insurers in the country, offering a wide range of coverage options and add-ons, along with a long list of discounts. The company performs well in terms of customer loyalty and satisfaction with claims handling, but its rates are often higher than the national average and those of its competitors.

Farmers Insurance offers the six standard types of car insurance, including liability, comprehensive, and collision coverage, as well as optional add-ons like rideshare insurance, accident forgiveness, and new car replacement coverage. The company also has a usage-based telematics program called Signal, which rewards drivers for safe driving behaviours with discounts of up to 15%.

While Farmers Insurance has a good reputation for customer service and claims handling, with positive reviews citing quick and efficient claims processing, it also has mixed reviews when it comes to customer satisfaction. Some customers report delays in the claims process and slow roadside assistance response times.

Overall, Farmers Insurance is a good choice for many drivers, especially those who value customer loyalty and the availability of local agents. However, its rates tend to be higher than average, so it may not be the most cost-effective option for those seeking cheaper alternatives.

Farmers' customer service

Farmers Insurance has a large network of local agents, with more than 48,000 independent insurance agents across the country. The company is available in all 50 states.

Farmers Insurance offers a wide range of insurance products, including auto, homeowners, renters, life, business, and general liability insurance.

The company has a variety of discount offerings, including for safe drivers, good students, and first responders.

The Farmers Insurance app allows customers to manage their insurance policies from anywhere. The app has received positive reviews, with a 4.8 out of 5.0-star rating on the App Store and 4.6 stars out of 5.0 on Google Play.

The company's customer service has received mixed reviews. In a survey conducted by U.S. News & World Report, 52% of Farmers policyholders were completely satisfied with the ease of contacting customer service, and 68% were completely satisfied with the ease of opening a policy. However, only 39% were completely satisfied with the ease of filing a claim, and 44% were completely satisfied with the updates they received during the claims process.

Overall, Farmers Insurance ranks #8 in the Best Car Insurance Companies by U.S. News & World Report. The company performs well in subcategory ratings for customer loyalty and likelihood to renew, but it has some of the highest sample rates in the analysis.

Farmers' claims handling

Farmers Insurance has a mixed record when it comes to claims handling. While the company has received positive feedback for its customer service and the ease of filing a claim, there have also been some complaints about delays in the claims process and slow roadside assistance response times.

In a survey conducted by U.S. News & World Report, 39% of Farmers customers reported being completely satisfied with the ease of filing a claim, while 44% were satisfied with the updates they received during the claims process. However, almost 58% expressed satisfaction with how their claim was resolved. Additionally, Farmers Insurance received a slightly below-average score in the J.D. Power 2022 U.S. Auto Insurance Study, indicating that there may be room for improvement in their claims handling processes.

On the positive side, Farmers offers a wide range of coverage options and add-ons, including rideshare insurance, accident forgiveness, and new car replacement coverage. They also provide various discounts for safe drivers, good students, and first responders, among others. Their mobile app is also well-reviewed, making it easy for customers to manage their policies and file claims.

Overall, Farmers Insurance has a decent reputation for claims handling, but there may be some areas where they can improve to enhance the customer experience further.

Farmers' customer loyalty

Farmers Insurance is tied at No. 4 in the subcategory rating for customer loyalty, with 44% of survey respondents saying they were very likely to renew their policy, and 36% saying they were very likely to recommend the company to others. For comparison, 64% of Auto-Owners customers, the top-ranked company in this subcategory, said they are very likely to renew their policies, and 56% said they’re very likely to recommend Auto-Owners.

In another survey, 39% of Farmers policyholders had filed a claim, while over 60% had not. Respondents who had a Farmers insurance policy gave the company a 4.0-star rating out of 5.0 for customer service during the claims process. Participants gave the company a 3.9-star rating for satisfaction with the claim outcome or settlement.

Farmers Insurance is also highly rated for customer service, with more than 46% of survey respondents saying they were completely satisfied. Overall, it is tied at No. 7 in the subcategory rating for customer service. More than half of Farmers policyholders surveyed, 52%, were completely satisfied with the ease of contacting customer service, and 68% of respondents were completely satisfied with the ease of opening a policy.

In terms of claims handling, 39% of Farmers customers surveyed were completely satisfied with the ease of filing a claim, and 44% were completely satisfied with the updates they received while their claim was being processed. Almost 58% of those surveyed were completely satisfied with how their claim was resolved.

Farmers' rates for teen drivers

Farmers Insurance is one of the country's largest insurers, offering a long list of discounts and ways to customise your coverage.

Farmers Rates for Teen Drivers

Farmers has the highest sample rates for teen drivers in our report, more than doubling competitors' average rates in some instances. The sample rates for teen drivers are much higher than the national average. For a 17-year-old female driver, the rate is $3,478 per year, and for a 17-year-old male driver, it's $4,351 per year. These rates are significantly higher than the national average for teen drivers, which is $1,819 per year.

How Farmers Rates Compare to Others

Farmers is consistently more expensive than its competitors, regardless of driver age or driving record. However, Farmers offers several discounts for teenage drivers, including good student discounts, student away-at-school discounts, and right track discounts, which can help maximise savings.

Factors Affecting Teen Driver Rates

The exact amount your insurance will increase when adding a teen driver depends on several factors, including what state you live in, the age of the teen being added, and your driving history. Additionally, once your teenager is added to your policy, your premiums will also depend partially on their driving habits. For example, if your teen is involved in an accident, premiums will increase for everyone listed on the policy.

Farmers' rates for young adult drivers

Farmers Insurance offers a variety of coverage options to protect drivers and their vehicles. However, its rates for young adult drivers are higher than the national average and much higher than the cheapest in that category, USAA. In fact, Farmers' average rates in this category of drivers are over $1,000 per year more than the national average for female and male motorists. Young adults, in this case, are defined as single 25-year-old motorists.

It's worth noting that car insurance rates are based on individual factors, and your own premiums may differ from the sample rates used in these studies.

Frequently asked questions