Farmers Auto Insurance
Explore Farmers auto insurance coverage, discounts, telematics options, Accident Forgiveness, claims services and other features designed to help drivers build an auto policy around their needs.
Farmers Car Insurance at a Glance
Farmers offers a range of auto insurance coverages, optional features and discounts, with availability and eligibility varying by state.
Auto coverage built around different driving needs
Farmers auto insurance includes common protections such as liability, comprehensive and collision coverage, along with additional options such as uninsured and underinsured motorist coverage, rental car reimbursement, roadside assistance, new car replacement and other vehicle-related protections.
Farmers also offers multiple ways to potentially reduce premiums, including multi-policy, multi-car, safe-driver, good-student, homeowner, pay-in-full and other qualifying discounts.
Coverage, discounts, eligibility, limits and availability can vary by state and policy.
Average savings reported by qualifying switchers
Farmers says new customers surveyed who switched to a Farmers-branded auto policy and realized savings reported average nationwide annual savings of $530. The current published survey period is September 1, 2024 through August 31, 2025, excluding certain states and Farmers GroupSelect.
Farmers Auto Insurance Coverage
Farmers provides standard auto insurance protections along with optional coverages that may be available depending on your state and policy.
Liability Coverage
Helps cover bodily injury to other people and damage to another person’s vehicle or property when you are responsible for an accident.
Core CoverageComprehensive
Helps cover qualifying damage or loss caused by events other than collision, including theft, vandalism, hail, wind, fire and animals.
Vehicle ProtectionCollision
Helps pay to repair or replace your vehicle after a covered collision with another vehicle or object.
Vehicle ProtectionUninsured / Underinsured Motorist
Can help protect you and your passengers when an at-fault driver has no insurance or insufficient insurance, subject to state rules.
Driver ProtectionRental Car Reimbursement
Can help cover rental vehicle expenses while your covered vehicle is being repaired. Farmers states that qualifying coverage can provide rental reimbursement for up to 30 days.
ConvenienceNew Car Replacement
Depending on the policy and state, qualifying total-loss vehicles may be eligible for replacement with a new or newer vehicle.
OptionalOEM / Original Parts
Available qualifying coverage can help pay for manufacturer-original parts when available for covered repairs.
Vehicle RepairRoadside Assistance
Roadside services can provide assistance for eligible vehicle breakdown or emergency situations.
AssistanceResidual Debt / Gap Coverage
Can help address the difference between a vehicle’s actual cash value and qualifying remaining loan or lease balance after a total loss.
OptionalFarmers Car Insurance Discounts
Farmers advertises more than 20 auto discount options. Eligibility and availability vary by state, policy and customer circumstances.
| Discount / Saving | How It May Apply |
|---|---|
| Multi-Policy | Farmers says customers may save 10% or more by bundling home and auto policies. |
| Multi-Car | Insuring multiple vehicles on the same policy may provide additional savings. |
| Safe Driver | Available for qualifying drivers with a clean qualifying driving record. |
| Signal | Eligible customers can receive an initial discount for enrolling, with additional renewal savings possible based on driving behavior. |
| Good Student | Available for qualifying full-time students meeting Farmers’ academic and age requirements. |
| Homeowner | May be available to qualifying policyholders who own a residence, regardless of who insures the home. |
| Pay in Full | May apply when the premium is paid in full at the beginning of the policy term. |
| Auto Pay / EFT | Available for qualifying policyholders who use automatic monthly payments. |
| ePolicy | Customers who enroll in electronic policy documents may qualify for a discount. |
| Anti-Theft | Vehicles with qualifying anti-theft or tracking devices may be eligible. |
| Hybrid / Electric Vehicle | Farmers lists vehicle-related discounts and savings opportunities that can vary by state and policy. |
Farmers Signal
Signal uses driving information to evaluate driving behavior and may provide an initial discount and potential renewal savings.
How Signal works
Farmers’ Signal program uses a smartphone app to monitor certain driving behaviors. Farmers says the program considers factors such as braking habits and phone use while driving.
Signal enrollment
- Talk to your Farmers agent and ask about enrolling in Signal.
- Download and enable the Signal app using the enrollment instructions.
- Drive normally while the app records qualifying driving information.
More Farmers Auto Insurance Options
Depending on the policy, state and eligibility, Farmers provides additional features designed for different driving situations.
Accident Forgiveness
Farmers states that qualifying customers can have one at-fault accident forgiven every three years, helping prevent the premium from increasing because of that accident.
Farmers Smart Plan
The Smart Plan includes a range of auto coverage options, including qualifying new-car replacement, OEM parts, Accident Forgiveness and residual debt coverage.
Farmers Flex Personal Auto
Farmers Flex provides standard auto coverage along with optional features intended to allow customers to tailor their policies.
Rideshare & Food Delivery
Farmers offers rideshare-related coverage in applicable states and may provide options for app-based food delivery.
Rental Car & Loss of Use
Depending on the selected coverage, Farmers can provide rental reimbursement or a daily stipend for qualifying transportation expenses.
Glass Coverage Options
Farmers lists glass-related coverage options that can help with windshield and glass repair or replacement, subject to policy terms.
How Farmers Auto Claims Work
Farmers provides online tools for filing and managing auto claims.
File Your Claim
Farmers says an auto claim can be filed online or through a claims representative, with the online process taking less than five minutes in many cases.
Claim Review
A Farmers claims representative reviews the claim and may contact people involved to gather additional information.
Vehicle Repairs
Customers can choose a repair facility, including options within Farmers’ network of repair facilities.
Track Your Claim
Farmers provides online claim management tools for tracking claim status, documents, payments and repair information.
Explore Farmers Auto Insurance
Visit Farmers to review available coverage, discounts and quote options based on your state and personal circumstances.
Farmers Auto Insurance FAQ
Answers based on information published by Farmers.
What types of auto insurance does Farmers offer?
Does Farmers offer auto insurance discounts?
What is Farmers Signal?
Does Farmers offer Accident Forgiveness?
Does Farmers offer rental car coverage?
How do I file a Farmers auto insurance claim?
How long does a Farmers auto insurance quote take?
Are Farmers coverage options available in every state?
Farmers Official Sources
The following links provide additional information directly from Farmers Insurance.
Disclaimer: This page is for informational purposes only and is not an insurance policy, quote, offer, or contract. Coverage, discounts, rates, eligibility, limits, exclusions and availability can vary by state and individual circumstances. Farmers Insurance is the source of the company-specific information referenced on this page. For the most current terms and availability, contact Farmers or a Farmers agent.