---
title: "Farmers Insurance Review [Updated 2026]"
description: "Farmers Insurance has been in business since 1928 and offers a variety of insurance products, including auto, home and liability insurance."
canonical: "https://www.coveragecat.com/reviews/farmers-insurance-review"
last-updated: "2026-08-13"
---

# Farmers Insurance Review [Updated 2026]

1. [Introduction to Farmers Insurance](#introduction)
2. [What Kinds of Insurance Does Farmers Offer?](#kindsofinsurance)
3. [How Does Farmers Insurance Work?](#howdoesitwork)
4. [Pros and Cons of Farmers Insurance](#proscons)
5. [Get Customer Support Or File A Claim For Farmers Insurance](#customersupport)
6. [Frequently Asked Questions](#faq)

###  <a id="introduction"></a>Introduction to Farmers
Farmers Insurance was founded in California in 1928 to insure farmers' vehicles. The founders, born into farming families, understood that these buyers took good care of their vehicles and should be offered preferential rates. [John C. Tyler and Thomas E. Leavey launched the company to provide quality insurance at reasonable prices](https://www.farmers.com/about-us/), and since then Farmers has grown from a tiny one-room office in downtown Los Angeles to offices and homes all across America.

Farmers Insurance Group offers legal, administrative, and underwriting services to three insurance exchanges: Farmers Insurance Exchange, Fire Insurance Exchange, and Truck Insurance Exchange, along with their affiliates and subsidiaries. These exchanges are the actual insurance carriers that insure and pay out most claims for Farmers policyholders. All three Farmers exchanges are mutual companies owned by policyholders, [who have the right to vote to elect the boards of governors who manage the companies](https://www.farmers.com/companies/exchange-update/). Farmers Group, Inc., wholly owned by Zurich Insurance Group, serves as attorney-in-fact providing management services.

According to [Insurance Business Magazine](https://www.insurancebusinessmag.com/us/news/breaking-news/these-are-the-top-25-insurers-in-the-us-report-29603.aspx), Farmers ranks ninth among U.S. insurers by market share at approximately 2.96 percent. [(Wikipedia, "Farmers Insurance Group", 2026)](https://en.wikipedia.org/wiki/Farmers_Insurance_Group) reports the company has more than 48,000 exclusive and independent agents and approximately 21,000 employees. The company [serves more than 10 million households with more than 19 million individual insurance policies across all 50 states](https://www.linkedin.com/company/farmers-insurance).

###  <a id="kindsofinsurance"></a>What Kinds of Insurance Does Farmers Offer?
Depending on the state in which you live, Farmers offers [auto insurance](https://www.farmers.com/auto/), and may also offer [homeowners](https://www.farmers.com/home/homeowners/), [personal umbrella](https://www.farmers.com/umbrella/), and coverage for [boats](https://www.farmers.com/recreational/boat-and-watercraft-insurance/), [motorcycles](https://www.farmers.com/motorcycle/), [collectible autos](https://www.farmers.com/auto/collectible/), [RVs](https://www.farmers.com/recreational/), [businesses](https://www.farmers.com/business/), [renters](https://www.farmers.com/renters/), [condominiums](https://www.farmers.com/home/condo/), [pets](https://www.farmers.com/pet-insurance/), and more. Farmers offers policies both directly to individuals and to employee and affinity groups.

###  Does Farmers Sell Homeowners Insurance?
Yes, Farmers sells homeowners insurance in 41 states. [U.S. News ranked Farmers eighth among the best homeowners insurance carriers in 2026](https://www.usnews.com/insurance/homeowners-insurance/farmers), with a sample premium of $186 per month.

Farmers' homeowners insurance offers standard coverage for dwellings and other structures, personal liability, personal property, and costs for living in another place while repairs are in progress. Farmers also allows homeowners insurance endorsements for identity theft, water and drain backups, valuable possessions, and many others. [(Farmers Insurance, "Homeowners Insurance | Free Home Insurance Quotes", 2026)](https://www.farmers.com/home/homeowners/) notes that bundling homeowners and car insurance could save 10% or more depending on location.

In November 2025, Farmers announced a major strategic shift in California. [(Farmers Insurance, "News Releases - Farmers Newsroom", 2026)](https://newsroom.farmers.com/2025-11-21-In-Major-Move-to-Expand-Growth,-Farmers-Insurance-R-to-Remove-Cap-on-Writing-New-Homeowners-Insurance-Policies-in-California-and-Submits-New-Rating-Plan) reports the company removed its cap on writing new homeowners insurance policies in the state and submitted a new rating plan, reversing its earlier decision to limit exposure in high-risk California markets.

###  Does Farmers Sell Liability Insurance?
Yes, Farmers sells liability insurance, also called umbrella insurance, to consumers. A Farmers personal umbrella policy can provide additional liability protection above the liability limits of your underlying home or auto policy. [(Ibid., "Homeowners Insurance | Free Home Insurance Quotes", 2026)](https://www.farmers.com/home/homeowners/) states personal umbrella insurance is available in $1 million increments up to $10 million.

To get an umbrella quote from Farmers, you'll need to work directly with a Farmers Insurance agent in your area or call one of their agents at 1-800-974-6755. To get fast and online quotes for standalone umbrella insurance carriers, [try Coverage Cat](https://www.coveragecat.com/umbrella-insurance).

###  Does Farmers Sell Auto Insurance?

Yes, Farmers sells auto insurance in almost every state. [Yahoo Finance gave Farmers car insurance a four out of five star review in 2026](https://finance.yahoo.com/personal-finance/insurance/review/farmers-car-insurance-review-155018517.html), noting that the company could be a good fit if you want lots of coverage options, including accident forgiveness and rideshare insurance.

Policyholders who agree to have their driving monitored via the [Farmers Signal app](https://www.farmers.com/faq/signal/disclaimer/) on their mobile phones and demonstrate safe habits with respect to braking, acceleration, speed, time of day they drive and other variables may be eligible for discounts.

###  <a id="howdoesitwork"></a>How Does Farmers Insurance Work?
To get a quote, you can either contact a [Farmers Insurance Agent in your area](https://agents.farmers.com/search.html) or get an [online quote](https://esales.farmers.com/fastquote/?\_gl=1\*1is9aj5\*\_ga\*MTMyMDI1MjI3Mi4xNzIyNDUzMjUx\*\_ga\_6H7TLKVS38\*MTcyMjQ1MzI1MC4xLjEuMTcyMjQ1NTUzNC4xNy4wLj). Depending on your state and the type of insurance you need, you might be able to get a quote and even purchase a policy online, but some Farmers quotes require an additional call with an agent to complete.

## <a id="proscons"></a>Pros and Cons of Farmers

<div class="grid">
  <div class="column">
    <p><b>Pros</b></p>
    <ul>

  
<li> Farmers offers many types of insurance, coverage options, and policies are highly customizable for customers. </li>
<li>Hybrid and other alternative fuel cars often benefit from preferential pricing.</li>
<li> Farmers insurance is available in a majority of states. 
</li>
<li> <a href="https://news.ambest.com/PR/PressContent.aspx?altsrc=2&refnum=36299">AM Best affirmed Farmers' Financial Strength Rating of A (Excellent) with a stable outlook in August 2025.</a> 
</li>
<li> <a href="https://www.bbb.org/us/ca/woodland-hills/profile/insurance-companies/farmers-insurance-1216-18605">The Better Business Bureau awarded Farmers an A+ rating in California for 2024.</a>
</li>

</ul>
  </div>
  <div class="column">
    <p><b>Cons</b></p>
    <ul>

 <li>
<a href= "https://www.usnews.com/insurance/auto/state-farm-vs-farmers#:~:text=State%20Farm%20Is%20Cheaper%20for%20Good%20Drivers&text=If%20you%20have%20a%20clean,drivers%20with%20a%20clean%20record"> Average prices for Farmers Insurance are higher than the national average, according to US News and World Report. 
</a> 
 <li>
<a href= "https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-study"> J.D. Power's 2025 survey of customer satisfaction for auto insurance ranked Farmers companies below regional averages in most regions.</a>
 <li>
<a href= "https://www.consumerreports.org/money/homeowners-insurance/c34702/"> A Consumer Reports survey conducted between 2017 and 2022 gave Farmers a 3 out of 5 on processing homeowners policy claims and an overall satisfaction rate of 51 out of 100.</a>
<li>
<a href= "https://ie.trustpilot.com/review/farmers.com">Trustpilot reviews show a low TrustScore of approximately 1.5 out of 5 from 261 customer reviews, with many citing rising premiums.</a>
</li>
<li>
<a href="https://www.kiplinger.com/personal-finance/farmers-insurance-irks-customers-with-data-breach-handling">Farmers waited almost three months to notify customers of a May 2025 data breach, far longer than the 30-day notice required by laws in states like California and New York.</a>
</li>
   
  </div>
</div>

## Farmers Insurance Ratings Summary

| Rating Agency | Financial Strength | Outlook | Date |
|---------------|-------------------|---------|------|
| AM Best | A (Excellent) | Stable | August 2025 |
| Standard & Poor's | A | Positive | November 2023 |
| Moody's | A2 | Not specified | 2024 |
| BBB | A+ (California) | Not accredited | 2024 |

## Farmers Insurance Coverage Comparison

| Coverage Type | Availability | Key Features |
|---------------|--------------|--------------|
| Auto | Nearly all states | Signal app discounts, accident forgiveness, rideshare coverage |
| Homeowners | 41 states | Dwelling, liability, endorsements for identity theft and water backup |
| Umbrella | Most states | Additional liability above underlying policies, $1M-$10M increments |
| Condo | Available | Tailored for condo owners |
| Renters | Available | Personal property and liability |

## Recent Farmers Insurance Developments

| Date | Development | Impact |
|------|-------------|--------|
| January 2026 | Launched Farmers Asset Management LLC | New registered investment advisor subsidiary |
| December 2025 | Closed $400 million catastrophe bond | Multi-year, multi-peril risk transfer |
| November 2025 | Removed cap on California homeowners policies | Major expansion in previously restricted market |
| August 2025 | Announced 100+ new jobs in four cities | Expansion in Grand Rapids, Kansas City, Phoenix, Warwick |

###  <a id="customersupport"></a>Get Customer Support Or File A Claim For Farmers Insurance
Farmers Insurance policyholders can access customer support through [Farmers' dedicated mobile app](https://www.farmers.com/mobile/), [their online account](https://www.farmers.com/css/login), phone, or an [online chat service](https://www.farmers.com/contact-us/). 

Phone Support: 888-327-6335 

**File a Claim with Farmers Insurance**   
Farmers insurance policyholders can file a claim through their mobile app, online, or by phone. [(Farmers Insurance, "Farmers Insurance Claims | File or track a claim", 2026)](https://www.farmers.com/claims/) states claims can be filed in less than 5 minutes with a policy number.

To file a claim online, [click here](https://www.farmers.com/claims/cmp-landing/).     
To file a claim by phone, call 800-435-7764 or get spanish language assistance at 877-732-5266

California law requires insurers to acknowledge claims within 15 days and accept or deny within 40 days after receiving documentation. [(Los Angeles Personal Injury Attorney Blog, "Farmers Insurance Claims: How To File And Track Status", 2026)](https://www.victimslawyer.com/blog/farmers-insurance-claims-how-to-file-and-track-status/) notes that complaints can be filed with the California Department of Insurance at 800-927-4357 if these timeframes are violated.

###  <a id="faq"></a>Frequently Asked Questions
### Should I Buy Farmers Insurance?

Deciding whether to buy Farmers Insurance depends on your coverage needs and preferences. If you need specific insurance, Farmers' wide range of insurance products, including auto, home, and personal umbrella insurance, with supplements and riders, could meet your needs. To figure out if it's the right option for you, compare their offers, price, customer service reputation, and the convenience of their services. Do you live in Washington, California, Texas, New York, or Florida? Then [Coverage Cat](https://www.coveragecat.com/) can do the work for you.

### Is Farmers Insurance a Real Insurance Company?

Yes, Farmers Insurance is a real insurance company, headquartered in California. Founded in 1928, it is nearly 100 years old. Farmers Insurance is made of three separate insurance exchanges, and contains a variety of insurance companies that operate under the Farmers Insurance umbrella. To see a list of all Farmers Insurance Companies, [click here](https://www.farmers.com/companies/exchange-update/).

In November 2023, Farmers' [rating from Standard & Poors](https://disclosure.spglobal.com/ratings/en/regulatory/article/-/view/type/HTML/id/3132648) increased from negative to stable because it has increased its capital to meet future insurance payout obligations. [AM Best maintained its Financial Strength Rating of A for Farmers Insurance Group](https://news.ambest.com/pr/PressContent.aspx?refnum=34876\&altsrc=2) in July 2024, and [affirmed this rating in August 2025](https://news.ambest.com/PR/PressContent.aspx?altsrc=2&refnum=36299).

### How Does Farmers Insurance Make Money?

Farmers Insurance makes money through the premiums paid by its policyholders for its insurance policies, by investing the cash from the premiums, and by managing its expenses, including claims and operating costs.

### Is Farmers Good Insurance?

Farmers Insurance policy reviews are mixed. The company has strong financial strength ratings from AM Best and ranks ninth in U.S. market share, but customer satisfaction scores vary. [Colorado Division of Insurance data from 2022](https://www.dora.state.co.us/pls/real/ins_comp_ratio_report.generate_report?p_company_name=&p_min_complaints=5&p_min_marketshare=0.10&p_order=ASC&p_order_by=total_complaints&p_policy_type=HOME&p_report_format=HTML&p_report_id=Complaint+Ratio+and+Complaint+Index+Search+Results&p_report_type=Standard+Reports&p_report_year=2022) shows Farmers Insurance Exchange had a complaint index of 0.58 for homeowners policies, well below the industry benchmark of 1.0, which indicates fewer-than-average complaints. However, other consumer review platforms show lower satisfaction scores. [(Yelp, "Farmers Insurance Reviews", 2026)](https://www.yelp.com/brands/farmers-insurance) shows Farmers has an average rating of 4.2 from 12,806 reviews across 10,487 locations, suggesting customer experience varies significantly by local agent. Prospective customers should compare Farmers insurance claims handling and pricing with other carriers.

###  Is Using Farmers Insurance Worth It?

Farmers Insurance can meet the needs of a wide variety of customers who need homeowners and auto owners insurance. As with most auto insurance policies, its prices are less expensive for experienced drivers with good records. For new and senior drivers, they can be significantly more expensive than competitors. The only way to know for sure whether Farmers Insurance is right for you is to compare your auto, home, and umbrella insurance quote with [Coverage Cat](https://www.coveragecat.com/). We'll find you the best possible offers, and make it easy to buy your best possible policy.

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