Farmers Auto Insurance Review 2026

Farmers Auto Insurance Ratings

Farmers Auto Insurance Overview

Farmers offers auto insurance with a range of standard and optional coverage choices designed to help protect drivers, passengers and vehicles. Coverage availability, limits, deductibles and requirements can vary depending on the state, policy and customer circumstances.

Auto Insurance Coverage

Farmers provides common auto insurance protections along with optional coverage features that can be selected based on eligibility and state requirements.

• Liability coverage can help cover qualifying bodily injury and property damage claims when the insured is legally responsible for an accident.
• Collision coverage can help pay for covered damage to an insured vehicle resulting from a collision, subject to the applicable deductible and policy terms.
• Comprehensive coverage can help protect against qualifying damage caused by events other than collision, including theft, weather, vandalism and other covered events.
• Uninsured and underinsured motorist coverage may help protect an insured when an accident is caused by a driver who has no insurance or insufficient insurance.
• Medical payments coverage may help pay qualifying medical expenses resulting from a covered accident.
• Personal injury protection may be available in states where applicable and can provide qualifying benefits according to state requirements and policy terms.
• Rental car coverage may help with qualifying transportation expenses while a covered vehicle is being repaired.
• Roadside assistance may provide qualifying emergency roadside services such as towing and other assistance.
• Accident Forgiveness is an optional feature available on qualifying Farmers policies subject to state and eligibility requirements.
• Additional coverage options may be available depending on the customer’s state and policy.

Farmers Auto Insurance Discounts

Farmers offers several auto insurance discounts and savings opportunities. Eligibility and availability can vary by state, policy and customer circumstances.

• Signal discount may provide an initial discount for eligible customers who enroll in the Signal program, with additional renewal savings possible based on qualifying driving behavior.
• Auto Pay/EFT discount may be available to eligible policyholders who set up automatic monthly payments.
• Safe driver discount may apply to qualifying drivers with an eligible driving history.
• Good student discount may be available to qualifying full-time students under applicable Farmers requirements.
• Distant student discount may be available to eligible students who attend school more than 100 miles from home without a vehicle.
• Five-year accident-free discount may be available to qualifying households with an eligible accident-free history.
• Shared family car discount may be available to qualifying households.
• Multi-car and bundling savings may be available when eligible vehicles or insurance products are combined.
• Additional discounts may apply depending on driving history, vehicle, household and other qualifying factors.

Farmers Signal

Signal is Farmers’ smartphone-based usage-based insurance program. The app monitors driving behavior and provides feedback that can help participating drivers understand their driving habits.

How Farmers Signal Works

• Eligible customers enroll in the Signal program through Farmers.
• The driver downloads and enables the Signal app on a compatible smartphone.
• The app collects information about driving behavior, including factors related to focused driving and driving habits.
• Farmers provides an initial discount for qualifying enrollment and participation.
• Safe driving behavior may result in additional savings at renewal.
• Farmers states that riskier driving behavior could result in a higher premium at renewal.
• Signal availability and discount eligibility vary by state and policy.

Signal Driving Factors

Farmers says Signal can consider driving behaviors such as focused driving, hard braking, time of day and total mileage when calculating the applicable Signal results.

Farmers also states that participation by applicable drivers in the household can affect the Signal result.

Farmers Accident Forgiveness

Farmers offers Accident Forgiveness as an optional feature on qualifying auto policies. Farmers states that the feature can apply to one qualifying accident every three years, subject to applicable terms, conditions, limitations and eligibility requirements.

Accident Forgiveness is not available in every state and is not available with all Farmers-branded policies. State-specific availability should be verified before purchasing the feature.

Farmers Auto Insurance Claims

Farmers provides online tools for filing and managing auto insurance claims. Customers can file a claim, check claim status, upload documents and receipts, view payments and manage repair information through Farmers’ claims tools.

Filing a Farmers Auto Claim

• Customers can file an auto claim online.
• Customers can contact a Farmers claims representative by phone.
• Customers can track claim status online.
• Customers can upload receipts and supporting documents.
• Claim tools can provide access to payment information, claim letters and repair details.
• Farmers provides options for choosing a repair facility, including participating network repair shops.
• Rental vehicle options may be available while a covered vehicle is being repaired.
• Roadside assistance and glass repair can also be scheduled through applicable Farmers claim services.

Farmers Claims Phone Number

Farmers lists 1-800-435-7764 for its Claims Center.

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Important Information

This page is an independent informational resource and is not affiliated with, endorsed by, or sponsored by Farmers. Insurance coverage, pricing, discounts, eligibility and availability can vary by state, driver, vehicle, policy and other factors. Always verify current details directly with Farmers or a licensed insurance professional.