Paul Sanchez
Farmers Insurance is rated 2.8/5 by WalletHub's editors, 4.1/5 by U.S. News, and 3.1/5 by J.D. Power. The company's training and claims departments have received mixed reviews, with some customers praising the company's quick response times, good customer support, and fast claims payouts, while others have criticised its customer service and claims handling as being in need of improvement. In terms of pricing, Farmers Insurance is one of the more expensive car insurance companies, with average annual premiums exceeding the national average in every driver category. However, the company offers a wide variety of discounts and add-on coverage options to enhance the overall customer experience.
| Characteristics | Values |
|---|---|
| Customer satisfaction with claim resolution | 61% "completely satisfied" and 28% "somewhat satisfied" |
| Customer loyalty | 40% of customers are "very likely" to renew their policy |
| Customer recommendation | 25% are "very likely" to recommend, and 60% are "likely" to recommend |
| Average annual car insurance rate | $3,113 |
| U.S. News Rating | 8th out of 10 |
| U.S. News Score | 4.1 out of 5 |
| WalletHub Rating | 2.8 out of 5 |
| NAIC rating | 0.71 |
| National average insurance rate | $2,290 |
| Farmers Insurance average insurance rate | $3,863 |
| Number of complaints | Fewer than expected |
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What You'll Learn
Claims handling is rated as stressful by employees
Farmers Insurance Group has received mixed reviews from its employees, with some reporting that the company offers a good work-life balance, fair pay, advancement opportunities, and continued learning prospects. However, others have described the work environment as high stress, particularly in claims handling.
One employee review on Indeed.com mentions that Farmers Insurance is a high-performance culture with constantly changing systems and a heavy workload. The review also highlights the lack of guidance and inconsistent management support, which can make it challenging to keep up with the company's high standards.
Another review on Indeed.com mentions that there is never enough training for the tasks employees are expected to perform, and the "in-field training" is inadequate. This indicates that employees in claims handling roles may feel unprepared and overwhelmed, contributing to the perception of stress in their jobs.
While WalletHub's editors gave Farmers Insurance a rating of 2.8/5, taking into account its extensive coverage options and nationwide availability, they also noted that there is room for improvement in customer service and claims handling.
Overall, it appears that employees in claims handling positions at Farmers Insurance Group experience high levels of stress due to a combination of factors, including high performance expectations, frequent changes, heavy workloads, and a perceived lack of adequate training and support.
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Customers rate Farmers Insurance highly for quick payouts
Farmers Insurance is rated highly by customers for its quick payouts, good customer support, and quick response times. WalletHub's editors give Farmers Insurance a rating of 2.8/5 due to its extensive coverage options and nationwide availability. However, Farmers has room for improvement in customer service and claims. According to a Farmers Auto Insurance Review by NerdWallet, Farmers had fewer complaints than expected about auto insurance to state regulators relative to its size, according to three years of data from the National Association of Insurance Commissioners. Sixty-one percent of customers were "completely satisfied" with how their Farmers claim was resolved, while 28% were "somewhat satisfied". Farmers Insurance is ranked No. 8 out of 10 for the best car insurance companies, with an average annual car insurance rate of $3,113, making it the most expensive insurer in the analysis.
Farmers Insurance offers a variety of coverage options, allowing customers to customize their policies to their needs. The company also provides many discount opportunities, which may lower premiums for those who qualify. In addition, Farmers Insurance has a network of high-quality repair shops across the country, employing highly trained technicians who provide a Farmers-backed written warranty for repairs for as long as the customer owns their vehicle.
When filing a claim with Farmers Insurance, customers can choose to file under their Farmers car insurance policy or with the other person's insurance company. If the customer is not at fault, Farmers Insurance will work to obtain reimbursement from the at-fault party's insurance company and then reimburse the customer for their deductible. Customers can also take advantage of ample resources to help with their claims, including checklists on how to file a claim and mobile apps that allow them to track their claims and contact their agents.
While Farmers Insurance generally receives positive reviews for its quick payouts and good customer support, there are also instances where customers have expressed dissatisfaction with the handling of their claims. For example, one customer shared their experience of a denied claim for repairs in their condo unit and the units below due to the bylaws of their Homeowner Association, despite the fault originating in their unit. Another customer recounted a situation where it took almost a week for a Farmers claim representative to respond to their claim involving a high-end luxury SUV.
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Farmers Insurance offers a wide variety of discounts
Farmers Insurance is rated No. 8 out of 10 of the best car insurance companies, and its average annual premiums exceed the national average in every driver category. Despite this, Farmers offers a wide variety of discounts, including:
- Renewal discounts, airbags, and riders who have taken a qualifying safety course.
- Discounts based on where you work or associations you may belong to.
- Discounts for bundling home and auto policies.
- Discounts for insuring multiple cars on the same policy.
- Affinity discounts for being a member of a partner organization or an employee of a partner company.
- Good payer discounts for those who have not been charged late payment fees in the past 12 months.
- Defensive driving discounts for taking an approved defensive driving course.
- Homeowner discounts for those who own their homes.
- Alternative fuel discounts for hybrid or electric vehicles.
- Anti-theft discounts for having an anti-theft device.
- Safe driver discounts.
- Good student discounts.
- Multiline discounts for buying multiple types of insurance.
- Discounts for being a teacher, police officer, firefighter, member of the military, doctor, nurse, dentist, engineer, or other professionals.
The availability of discounts will vary based on the kind of insurance policy you hold and the state you're in.
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The company has a good score for customer satisfaction
Farmers Insurance has received positive reviews from its customers, with many praising the company for its quick response times, good customer support, and fast claims payouts. The company's NAIC rating of 0.71 indicates that it has received fewer complaints than the average car insurance provider, adjusted for size. This suggests that customers are generally satisfied with the company's handling of their claims and inquiries.
In addition to its strong customer satisfaction ratings, Farmers Insurance also ranks highly in industry reviews. In a rating of the 10 best car insurance companies, Farmers Insurance was ranked 8th overall by US News, with a score of 4.1 out of 5. This ranking takes into account factors such as coverage options, availability, and pricing. WalletHub's editors gave Farmers Insurance a slightly lower rating of 2.8/5, noting that while the company offers extensive coverage options and nationwide availability, there is room for improvement in customer service and claims handling.
The company's car insurance rates are higher than the national average, and it offers a variety of coverage options and discounts to its customers. Despite the higher rates, Farmers Insurance has a strong customer loyalty base, with 40% of customers "very likely" to renew their policies and 25% "very likely" to recommend the company to others. This suggests that a significant portion of Farmers Insurance customers are satisfied with their experience and are willing to continue doing business with the company.
While the majority of reviews for Farmers Insurance are positive, there are also some negative experiences shared by customers. For example, one customer reported that their claim for repairs was denied, despite the issue being documented as an unforeseeable event. Another customer experienced a delay in response from a Farmers claim representative after their vehicle was hit by a Farmers-insured driver. These isolated incidents highlight areas where Farmers Insurance can improve its claims handling processes to better serve its customers.
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Employees say there is never enough training
Several employees of Farmers Insurance Group have expressed that there is never enough training provided for the tasks they are expected to carry out. One employee commented that the "in-field training" is inadequate, as they often get too busy to complete it. They also mentioned that their supervisors often lack the correct knowledge, which further exacerbates the issue.
Indeed, Farmers Insurance Group does provide some training opportunities. New field adjusters undergo several weeks of classroom training, which employees have described as positive, highlighting the company's desire for their success. However, some employees have noted that the training is not realistic and does not adequately prepare them for the job.
The company offers tuition reimbursement for certain courses and colleges, but employees must work for the company for a year before becoming eligible. Additionally, reimbursement is not guaranteed, and employees must apply for it separately.
While Farmers Insurance Group provides some training, employees' experiences vary. Some have reported a lack of guidance and constantly changing day-to-day tasks, making it challenging to keep up with the demands of the job.
It is important to note that the availability and effectiveness of training may differ across different departments and teams within the company. The experiences shared by employees provide valuable insights into the training situation at Farmers Insurance Group.
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Frequently asked questions
According to a 2025 survey, 56% of Farmers customers were "completely satisfied" and 44% were "somewhat satisfied" with the status updates they received regarding their claims. 61% were "completely satisfied" with how their Farmers claim was resolved, and 28% were "somewhat satisfied".
Farmers Insurance has received mixed reviews for its training. Some employees have praised the training, saying it was "good" and that the company "really wanted [them] to do well". However, others have criticised the lack of training, particularly for more senior roles, and described the "in-field training" as a "joke".
Farmers Insurance has been described as the most expensive insurer in some analyses, with an average annual car insurance rate of $3,113, which is over $1,000 higher than the national average. However, Farmers offers a wide variety of discounts to make its rates more affordable, including multi-policy, defensive driving, alternative fuel, and Signal app discounts.
The process for filing a claim with Farmers Insurance depends on the type of claim. For a homeowners insurance claim, a Farmers agent can help you decide whether to file a claim and go over your policy coverages and how they apply to your claim. For car insurance claims, you can choose to file the claim under your Farmers policy or with the other person's insurance company. You can report and track claims through the Farmers website or mobile app.
