Navigating The Mail: Mailing Your Farmers Insurance Payment

Farmers Insurance offers a variety of ways to make a payment, including online, by phone, or by mail. To pay by mail, you must write your account number on your personal check or money order and send it to the following address:

Personal Bill Payments

P.O. Box 0991

Carol Stream, IL 60132-0991

or

Your Farmers agent's office address.

Personal bill payments

Paying your Farmers Insurance bill is straightforward. You can pay by phone, online, or by mail. If you choose to pay by mail, you must write your account number on your personal check or money order.

The mailing address for personal bill payments is:

P.O. Box 0991

Carol Stream, IL 60132-0991

You can also make a payment in person at your Farmers agent's office.

If you have a California Earthquake Authority (CEA) policy, the address is different:

Farmers Insurance Exchange

PO BOX 60171

City of Industry, CA 91716-0171

Make sure to write your policy number on your personal check or money order when sending payment for a CEA policy.

It's important to note that Farmers Insurance is an FSP agent-based company, so if you have an agent, it's recommended that you consult with them for any adjustments or inquiries about your policy.

Commercial bill payments

Farmers Insurance

P.O. Box 4665

Carol Stream, IL 60197-4665

Alternatively, you can pay your Farmers business policies online by logging in to your online pay account or signing up for online access.

If you are an Indiana Farmers Insurance customer, you can mail your payments to the following address:

Indiana Farmers Insurance

P.O. Box 856

Indianapolis, IN 46206

California Earthquake Authority policies

If you have a California Earthquake Authority (CEA) policy, you can pay by mail. To do so, make sure to write your policy number on your personal check or money order and send it to:

Farmers Insurance Exchange

PO BOX 60171

City of Industry, CA 91716-0171

Alternatively, you can pay your Farmers Insurance bill online or by phone.

About California Earthquake Authority Policies

The California Earthquake Authority is one of the world's largest providers of residential earthquake insurance. It is a publicly managed non-profit entity that works with insurers to help Californians manage their earthquake-related risks and losses.

The CEA offers two policies for earthquake insurance: Homeowners Choice and Standard Homeowners. The biggest difference between the two policies is that the Homeowners Choice policy does not automatically include personal property or loss of use coverage. Homeowners Choice policies are usually cheaper, but the Standard Homeowners policy is generally recommended because it covers the costs of staying elsewhere if an earthquake renders your home uninhabitable.

The CEA offers earthquake policies for homeowners, mobile home owners, condo unit owners, and renters. You cannot buy earthquake insurance directly from the CEA; you must buy it from insurance companies that are members of the CEA. You must have a residential property insurance policy in place to get a CEA earthquake policy, and you must purchase your CEA policy from the same insurance company that you have your residential policy with.

Earthquake Insurance in California

California experiences 90% of the country's earthquakes, so the state has a very robust earthquake insurance program. The California Earthquake Authority (CEA) is the largest provider of earthquake insurance in the country.

California residents can purchase earthquake insurance policies through their homeowners insurance provider. Earthquake insurance costs an average of $3.54 per thousand dollars of coverage in California, which translates into an annual rate of $1,770 for a single-family home with a $500,000 replacement cost. However, depending on the insurer, coverage can cost as little as 10 cents or as much as $15 per thousand dollars of coverage.

Payment methods

Farmers Insurance offers a variety of payment methods for your convenience. You can choose to pay your bills online, by phone, or by mail. Here are the detailed instructions for each payment method:

• Online Payments: You can make payments online with or without a Farmers.com account. If you have an account, simply log in and go to the Payments section to make your payment. If you don't have an account, you can still make a payment by providing your policy number or billing account number. Online payments can be made from a checking, savings, or business checking account.
• Phone Payments: You can call your Farmers agent during normal business hours to make a payment over the phone. Alternatively, you can call the Farmers self-service line at 1-888-327-6335 for personal auto, home, or umbrella policies. For business insurance, call 1-855-323-5350, and for life insurance, call 1-800-238-9671.
• Mail Payments: If you prefer to pay by mail, you can send a personal check or money order to the following addresses:
• Personal Payments:
• PO Box 0991 Carol Stream, IL 60132-0991
• Commercial Payments:
• PO Box 4665 Carol Stream, IL 60197-4665
• California Earthquake Authority Policies:
• Farmers Insurance Exchange PO BOX 60171 City of Industry, CA 91716-0171

Please note that for mail payments, you must write your account number on your personal check or money order. Additionally, always verify the address on your billing statement before mailing your payment.

Payment processing times

Farmers Insurance offers a range of options for making payments, including online, by phone, or by mail. The processing times for these payment methods may vary.

For online payments, processing typically begins on the same day the payment is made. However, it may take a few days for the payment to be reflected in your account, depending on the payment method. Withdrawals from bank accounts usually take one to three business days, while credit card charges are generally completed on the payment date.

If you make a payment after 7:00 pm Central Time, it will typically be posted to your account on the next business day. Similarly, payments made after 4:30 pm Pacific Time may be posted on the next business day.

For payments made by mail, it can take up to three business days for the payment to be reflected in your account. If it has been longer than three days and the payment is still not showing, you should contact your Farmers agent or customer service.

For phone payments, the processing times may depend on the type of policy and the payment method used. You can contact your Farmers agent or the customer service line for more information on processing times for specific payment methods.

Frequently asked questions