Farmers car insurance review 2025: 4 out of 5 stars

Core Insights - Farmers car insurance offers a variety of coverage types, including accident forgiveness, new car replacement, and custom parts coverage, with rates around the national average and 18 available discounts [1][5][12]. Coverage Options - Farmers provides all standard car insurance coverage types along with several add-ons, totaling 17 different coverage types [4][8]. - Notable coverage options include liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, personal injury protection, gap insurance, new car replacement, accident forgiveness, diminishing deductible, OEM parts coverage, rideshare and delivery coverage, custom parts coverage, and roadside assistance [10][11]. Pricing and Discounts - The average monthly cost for full coverage with Farmers is approximately $182, which is slightly below the national average of $190 [7][12]. - Basic liability coverage costs around $108 per month, also below the national average of $113 [13]. - Farmers offers 18 different discounts, including bundling, loyalty, ePolicy, good payer, youthful driver, and safe driver discounts [14][17]. Customer Satisfaction - Farmers scored at or above average in customer satisfaction across several regions, with a J.D. Power auto claims satisfaction score above the industry average [7][19]. - However, Farmers has received more complaints than average, indicating mixed customer satisfaction ratings [19]. Claims Process - The claims process involves gathering key information, reviewing coverage, filing the claim through various methods, and working with a claims representative [15][16]. - Farmers does not specify a deadline for claims submission but emphasizes that quicker submissions may lead to faster payouts [15].