The average cost of Farmers auto insurance in 2025 is around $1,872 per year for full coverage, though your rate will depend on your driving history, location, vehicle, and policy choices.
Farmers Auto Insurance: Your Ultimate 2025 Guide to Coverage, Rates & Savings
Michael Kalamitsiotis
Published on: May 30, 2025
5 minutes
Related Blogs
Online Used Car Shopping: What You NEED to Know Before You Buy
Unlock Cheaper Rates: Your Ultimate Guide to State Farm Auto Insurance Discounts
Your Car as an NFT? The Future of Automotive Ownership on Ethereum
Land Rover Evoque Review (2012–2024): True Cost of Ownership Revealed
Porsche Macan: The REAL Cost of Ownership (2015–2024 Review)
Unlock Lower Rates: Your Guide to Travelers Auto Insurance Discounts
Noble Quote vs. Amber: Which Automotive Service Offers the Best Value?
Land Cruiser 2025: Unleashed & Uncosted!
O'Reilly Auto Parts: Your Comprehensive Guide to Services, Products, and More
The True Cost of Owning a G80 BMW M3: Beyond the Sticker Price
The Digital Garage for Your Dollars: Navigating the World of Trading Apps
Lost Keys? Noble Quote Has You Covered (and More!)
Should You Buy a Truck? The Ultimate Pros and Cons List
Off-Roading vs. Overlanding: What’s the Difference?
Is Your Car a Ticking Time Bomb? The Unexpected Costs of Car Ownership
Nissan Frontier: Conquer Any Terrain in Style and Comfort
Car Trouble? Your Insurance Might NOT Cover This!
Extended Warranty Secrets: Unlocking Surprising Perks You Didn’t Know Existed!
The Car Repair Lottery: Are You Feeling Lucky?
'Tis the Season to Be Jolly... and Protected: Why an Extended Warranty is the Gift That Keeps on Giving
Zombie Apocalypse Survival Tip #1: Get an Extended Warranty (Brains Not Included)
Ford F-150: This Ain't Your Grandpa's Pickup!
That Annoying Hemi Tick: Why It Happens & How to Stop It
Why Your Headlights Are Turning Yellow (And How to Prevent It)
Car Scratches Driving You Crazy? 10 Steps to Fix Them Yourself
Ford Power Steering Repair: Problems & Solutions
2015 Nissan Altima Warranty Expired? Get Extended Coverage Today!
Honda A/C Compressor Failure: Causes, Symptoms & Repair Costs
Save on Car Repairs: NobleQuote vs. Toco Extended Warranty Review
2016 Jeep Wrangler Extended Warranty: Coverage & Options
Electric Vehicles 101: What You Need to Know Before Making the Switch
2008 Toyota Camry: Common Repairs and Why Extended Coverage is a Smart Investment
2015 Ford Explorer: Avoid Costly Repairs with the Right Extended Warranty
Maximize Your Tesla Warranty: Smart Strategies for Extended Coverage
Selling Your Car in 2025? Don’t Make These Mistakes!
Tesla Cybertruck: Overpriced or Over-the-Top Awesome?
Skip the Dealership: The Rise of Online Car Buying
Car Safety Technology: How Advanced Driver-Assistance Systems (ADAS) Are Changing the Game (and Your Insurance Rates)
Why Can’t I Include My Warranty in My Car Financing? Answers to Your Top Questions
What to Do When the Dealership Makes Warranty Cancellation a Hassle
Boost Your EV's Range: Tips and Tricks for Maximum Mileage
NobleQuote: Best Auto Protection, Not Just the Oldest
Kia Telluride Review: Unpacking the Features and the Real Cost to Own
Decoding Your Wallet: The Benefits of Using Cash and Credit Wisely
Bitcoin vs. Cash: A Head-to-Head Comparison of Features
Beyond the Hype: A Realistic Look at Hyundai Ioniq 5 Ownership Costs and Performance
Unlock Better Opportunities: Your Guide to Understanding and Improving Your Credit Score
Safe Kids: Your Comprehensive Guide to Child Car Seat Installation Tips and Guidelines
Chevy Colorado: Unpacking the Features and the Real Cost of Ownership
Don’t Let Tariffs Hike Your Bills: The Smart Way an Extended Warranty Saves You on Car Repairs
Drive Smart, Save Smarter: Your Guide to Budgeting for Car Care
Tech Troubles Ahead? The Rising Costs of Modern Vehicle Repairs
The Downtime Trap: How Car Repairs Can Cost You More Than Just the Bill
DIY Danger? The Financial Risks of Handling Car Repairs Yourself
Smart Buyer’s Guide: Ford F-250 Review and Long-Term Ownership Costs (2022–2024)
Depreciation Demystified: Planning for Your Car’s Future Value
New vs. Used: A Financial Showdown for Your Next Vehicle
Blockchain Basics: The Technology Behind Cryptocurrencies
Beyond Self-Driving: OpenAI and the Next Generation of Automotive Intelligence
Living with a Legend: The Hidden Costs of Dodge Challenger Hellcat Ownership
The Crypto Long Game: Proven Strategies for Building Generational Wealth
Family First, Finances Second? The Real Cost of Owning a Toyota Highlander
Understanding Car Leasing: A Complete Guide for First-Timers
Drive Away Richer? Credit Card Secrets for Smart Car Buying
The EV Territory Wars: US Automakers Fight for Survival
From Solid Axle to Supercar: The Ultimate Guide to Every Corvette Generation (C1–C8)
Hello, Robot Neighbor: The Dawn of Everyday AI and Its Impact
Beyond the Movie: The Gritty Truth of Ford vs. Ferrari
Slash Your Car Insurance Bills: Expert Tips You Need Now
Chevy Equinox: The Honest Truth – Pros, Cons, and Everything In Between (Including Cost of Ownership)
Decoding Auto Insurance: Your Easy-to-Understand Guide
Pessada Holdings: BBB A+ Rated Excellence
Save More, Stress Less: Family Budgeting Tips That Work
Slate’s Electric Entry: A Deep Dive into the New Automotive Truck
Affordability Crisis: How Rising Costs are Putting the Brakes on Car Sales
The Extended Warranty Pitch: What Dealers Don't Always Tell You
Unlock Your Dream Ride: The Ultimate Guide to Scoring a New Car Deal
Used Car Paperwork Checklist: Everything You Need to Buy Smart
The Ultimate Guide to Scoring a Great Deal on a Used Car
Decoding “As-Is”: Your Essential Guide to Buying a Used Car
Allstate Auto Insurance: A Comprehensive Review
Cars.com: Your All-in-One Guide to Buying, Selling, and Owning Cars
Is Geico the Right Choice? An In-Depth Auto Insurance Review
Carfax: Unlocking a Vehicle's History – Is It Worth It?
Progressive Auto Insurance: A Complete Review of Coverage, Costs, and Customer Experience
The Trusted Choice: A Comprehensive Look at NAPA AutoCare Center Services
Mazda Miata: Unpacking the Thrills and the Real Cost of Ownership
Online Car Shopping vs. Dealerships: Which Road Should You Take?
The Hidden Risks of Buy Here Pay Here Car Dealerships
Ford Check Engine Light On? Here's What It Means and What to Do
USAA Auto Insurance Review: The Complete In’s and Out’s (2025 Edition)
Is an AARP Membership Worth It for Drivers?
The Basics of Car Insurance Deductibles and How They Work
Navigating Bank of America Auto Loans: What You Need to Know
5 Steps to a Higher Credit Score: Your Guide to Better Auto Loan Rates
The General Auto Insurance: What You Need to Know
Is the Cadillac ATS Worth It? A Review of Costs and Value
Capital One Auto Loans: Your Complete Guide to Financing Your Next Vehicle
The Ultimate Guide to Selling Your Car
Nationwide Auto Insurance: 10 Essential Things to Know Before You Buy
Don't Miss Out: How to Buy Crypto Before the Next FOMO Wave (2025 Guide)
BYD Cars 2025: Your Ultimate Guide to the Full Lineup & Latest Innovations
The Importance of Wheel Alignment and Balancing: Smooth Driving and Tire Longevity
How to Maximize Your Car Trade-In Value: The Ultimate Guide
Factors Affecting Your Car Insurance Rates: The Ultimate Guide to Understanding Costs
Reborn Rugged: Why the Ineos Grenadier is More Than Just an SUV
AutoZone: Your DIY Partner or a Pro's Pit Stop? A Comprehensive Review
The 7 Hidden Costs of Skipping Your Extended Car Warranty
Can You Afford the 6th Gen Camaro? A True Cost Breakdown
Is Cruise Control REALLY Saving You Fuel? The Truth Revealed
Bumper to Bumper Extended Warranty: What Does it Really Mean?
Why Is My Car Heater Blowing Cold Air?
Level Up Your EV Charging Knowledge: A Guide to Charger Types
Selling Your Soul for an Extended Car Warranty (And Why They Keep Calling)
From Referrals to Reviews: Finding the Perfect Repair Shop for You
Speaking Car: How to Clearly Communicate with Your Mechanic
Top 5 Most Expensive Car Repairs Your Manufacturer Warranty WON'T Cover
CarMax MaxCare vs. Noble Quote: Extended Warranty Showdown
Affordable Protection: Noble Quote vs. Autopom Warranty Pricing
Avoid Costly Repairs: Noble Quote vs. Ox Car Care Warranties
Mercedes-Benz G-Class Review: On and Off-Road Performance, Features, and Price
Don’t Buy a Honda Warranty Before Reading This! Noble Quote vs. HondaCare
Extended Warranty vs. Self-Insuring: Which Is Right for You?
Best Extended Warranty for Your Ford: Noble Quote or Ford Protect?
Charging Your Peace of Mind: Using a Credit Card to Buy a Car Warranty
Noble Quote vs. Omega Auto Care: Which Auto Warranty Is Right for You?
Cadillac Escalade: Mastering the Maintenance
Knight Rider vs. Back to the Future: A Battle of the 80s Icons
10 Things You Didn't Know About James Bond’s Aston Martin DB5
Cupid's Got Horsepower: Rev Up Your Valentine's Day!
Chevy Suburban Repair Guide: Common Problems
The Greatest NASCAR Rivalries of All Time: On-Track Battles and Off-Track Drama
Beyond F1: Exploring the World's Most Extreme Racing Series
5 Car Problems That’ll Make You Wish You Had an Extended Warranty
If NASCAR Had Car Warranties: The Pit Stop Chaos You’d See
Forza: The Perfect Blend of Simulation and Arcade Fun
The "New Car Smell" Doesn't Last Forever: Protecting Your Investment Long-Term
Warranty Myths Busted: Don't Fall for These Common Misconceptions
We've Moved! Noble Quote's New Home at the Lake of the Ozarks
The Future of Racing: Electric Cars, Autonomous Vehicles, and Beyond
Porsche Cayenne Engine Problems: What to Watch For
Supercar Dreams on a Budget: The Most Affordable Exotics for First-Time Buyers
The Most Common Car Breakdowns of 2025 (And How to Avoid Them)
Chevy Malibu Ownership: Staying Ahead of the Repair Curve
Mazda Extended Warranty: Your Comprehensive Guide
Protect Your Car & the Planet: Introducing NobleQuote's Green Choice Program
Ford Raptor Extended Warranty Guide: Conquer the Road with Confidence
Subaru Extended Warranty: Your Ultimate Guide
Dodge TRX: King of the Off-Road
Kansas City Chiefs Players: You Won’t Believe What They’re Driving!
Porsche GT3: Beyond the Numbers – The Soul-Stirring GT3 Experience
Ferrari vs. Lamborghini: A History of Innovation and Rivalry
Noble Quote: Driving with Confidence, Protected from Unexpected Repairs
The Truck Owner’s Peace of Mind: Why Noble Quote Leads the Pack in Truck Repair Protection
Rivian R1S Review: Is This the Ultimate Electric Adventure SUV? (2025)
Beyond Coverage: How Extended Warranties Can Expedite Your Car Repairs Amid Supply Chain Challenges
Protecting Your Ride Like Jalen Protects the Pocket: Cars, Eagles, and Smart Investments
Keeping vs. Selling: Weighing Your Car Options & the Value of an Extended Car Warranty
DIY Oil Change: Do It Better Than the Pros (and Save Money!)
Nissan Pathfinder Common Problems: A Complete Repair Guide
Extended Car Warranty with Active Factory Coverage: Smart Move or Waste of Money?
What Happens to My Vehicle Service Contract If I Sell My Car?
What to Do If Your Vehicle Service Contract Claim Is Denied
Vehicle Service Contracts for SUVs and Trucks: Protecting Your Investment
Maximize Your Savings: Understanding Your Vehicle Service Contract Deductible Options
Navigating the Online Vehicle Marketplace: Your Comprehensive Guide to Finding the Perfect Car or Truck
Stop Paying for Potholes: The Smart Way to Protect Your Wheels and Tires
Don’t Get Stuck With Repair Bills: Ford Edge Warranty Coverage Explained
RV Road Trip Ready: Secure Your Adventures with Extended Warranty Coverage
Recession-Proof Your Ride: Why an Extended Car Warranty Makes Sense Now
What is a Home Warranty and Do You Need One?In today’s ever-changing insurance landscape, drivers are constantly on the lookout for affordable, reliable, and feature-rich coverage. Farmers Auto Insurance has long been a key player in the U.S. insurance market. But how does it stack up in 2025? Is it still a competitive option? And what can you really expect in terms of coverage, customer service, rates, and rewards?
This comprehensive guide will break down everything you need to know about Farmers Auto Insurance in 2025—from pricing and policy features to customer satisfaction, discounts, and how it compares with other top auto insurance companies.
If you’re wondering whether Farmers car insurance is right for you—or how to get cheaper Farmers auto insurance quotes—you’re in the right place.
Let’s dive in.
Farmers Auto Insurance Overview
Founded in 1928, Farmers Insurance Group has grown into one of the most recognized names in American insurance. It offers a wide array of coverage types and benefits across home, auto, life, and business policies. For auto specifically, Farmers Insurance Auto policies include everything from basic liability to full coverage with OEM parts, new car replacement, and accident forgiveness.
As of 2025, Farmers insures over 10 million households and ranks among the top auto insurance companies in the United States.
Key takeaway: Farmers Auto Insurance is a reputable, full-service provider ideal for drivers seeking customizable policies and premium features.
Farmers Auto Insurance Coverage Options
When building a policy, you’ll find Farmers offers both standard and specialized protections:
- Liability Coverage
Required by law and covers bodily injury and property damage to others. - Collision Coverage
Covers damage to your vehicle from crashes, regardless of fault. - Comprehensive Coverage
Protection against theft, vandalism, weather damage, animal collisions, etc. - Uninsured/Underinsured Motorist
Covers costs if you're hit by a driver without enough insurance. - Medical Payments & PIP (Personal Injury Protection)
Helps pay for medical expenses regardless of fault. - Rental Reimbursement
Covers a rental car while your car is being repaired. - Roadside Assistance
Included in many policies, covers towing, lockout, jump starts, and more. - New Car Replacement
Replaces a totaled car with a brand-new one of the same make and model (typically within the first two model years). - Rideshare Coverage
Farmers offers protection for Uber/Lyft drivers between rides.
Note: Full coverage with Farmers Insurance typically combines liability, collision, and comprehensive, with several optional add-ons.
Farmers Insurance Rates and Discounts in 2025
Average Cost of Farmers Car Insurance
So, how much is Farmers auto insurance in 2025?
- National average with Farmers: $1,872/year
- Minimum coverage: $702/year
- Full coverage: $1,932/year
(Source: The Zebra & ValuePenguin)
Your rate will vary based on:
- Age and gender
- Location
- Driving record
- Credit score
- Vehicle make and model
- Annual mileage
- Coverage selections
For high-risk drivers or young drivers, Farmers tends to be more competitive than some major carriers like State Farm or Allstate.
Discounts You Can Score
Want to get cheap Farmers auto insurance? Apply these discounts:
- Multi-Policy Discount – Bundle home and auto.
- Good Student Discount – For drivers under 25 with a GPA of 3.0+.
- Multi-Car Discount
- Signal® Program – Track driving habits via smartphone app and earn savings.
- Defensive Driver Discount
- Distant Student Discount
- Homeowner Discount
- Professional Group Discount
The Farmers Signal program can offer up to 30% in savings for safe driving behaviors—making it one of the better usage-based insurance (UBI) tools on the market.
Farmers Insurance Claims, Service & Tools
Filing a Claim with Farmers
The Farmers Insurance claims process is designed to be fast and simple. You can file via:
- Farmers Insurance App
- Online portal
- 24/7 claims hotline
- Local Farmers insurance agents
Claim support includes:
- Digital documentation
- Real-time tracking
- Assigned claim reps
- Approved repair shop network
Wondering how to file a claim with Farmers Insurance? Use your policy number, take photos of damage, and upload within the app for the fastest service.
Farmers Mobile App & Signal®
The Farmers Insurance app is a central hub for:
- Digital ID cards
- Payment tracking
- Claims management
- Signal® driving performance
App store reviews average 4.6 stars for iOS and 4.4 for Android.
Farmers vs. Competitors: Geico, State Farm & Progressive
| Feature | Farmers | Geico | State Farm | Progressive |
|---|---|---|---|---|
| Local Agents | ✔️ | ❌ | ✔️ | ✔️ |
| UBI Program | Signal® | DriveEasy | Drive Safe & Save | Snapshot |
| New Car Replacement | ✔️ | ❌ | ❌ | ✔️ |
| Rideshare Coverage | ✔️ | ✔️ | ✔️ | ✔️ |
| Claims Satisfaction | Above Average | Average | Above Average | Average |
In a Farmers Insurance vs. Geico comparison, Farmers offers more personalized service and better coverage perks—but Geico often wins on price alone.
Farmers and the Future: EVs, Bundling, and Customer Focus
In 2025, Farmers Insurance for electric vehicles (EVs) continues to grow. They’ve expanded coverage for battery systems, onboard electronics, and public charging infrastructure.
Bundling is also emphasized more than ever, allowing customers to combine auto, home, and umbrella coverage to lower premiums and simplify claims.
Customer service reviews highlight improved satisfaction scores across the board. Their financial strength rating from AM Best remains A (Excellent), showing strong claims-paying ability.
Noble Quote’s Take: Should You Choose Farmers?
At Noble Quote, we help drivers like you compare options, understand fine print, and secure the best protection. If you want:
- A provider with strong local agent support
- Solid coverage for high-risk or young drivers
- Great digital tools and bundling savings
- Optional perks like new car replacement and accident forgiveness
…then Farmers Auto Insurance deserves a serious look.
Before making a decision, get a free extended warranty quote from Noble Quote to pair with your insurance plan for total peace of mind. Don’t forget: Farmers insurance does not cover mechanical breakdown, which is where we come in.
Final Thoughts
Whether you’re shopping for your first policy, switching from a competitor, or simply reviewing your current coverage, Farmers Auto Insurance brings a lot to the table in 2025. But insurance alone doesn’t cover everything that can go wrong with your vehicle. That’s where Noble Quote steps in. From mechanical breakdowns to 24/7 roadside help, we’ve got your back when things get bumpy.
Get your free car warranty quote today and drive with total peace of mind.
Top 10 Farmers Auto Insurance Questions and Answers
How much does Farmers auto insurance cost in 2025?
Is Farmers auto insurance a good choice?
Yes, Farmers is a reputable insurance company offering strong customer service, flexible coverage options, and exclusive perks like accident forgiveness and the Signal® app for safe drivers.
What does Farmers full coverage auto insurance include?
Farmers full coverage typically includes liability, collision, comprehensive, medical payments, uninsured/underinsured motorist coverage, and optional add-ons like new car replacement and OEM parts coverage.
What discounts does Farmers auto insurance offer?
Farmers offers discounts for bundling policies, safe driving, good students, defensive driving, low mileage, multi-car households, homeowners, and participation in the Signal® program.
How does the Farmers Signal program work?
Signal® is a usage-based insurance app that tracks your driving behavior. Safe driving habits can earn you up to a 30% discount on your auto insurance premium.
Does Farmers auto insurance cover rental cars?
Yes, Farmers offers rental car reimbursement as an optional coverage, which pays for a rental while your vehicle is being repaired due to a covered claim.
How do I file a claim with Farmers Insurance?
You can file a claim online, through the Farmers mobile app, by calling 1-800-435-7764, or by contacting your local Farmers agent. Claims can be tracked in real-time through the app or website.
Is Farmers auto insurance good for young or high-risk drivers?
Yes, Farmers provides competitive rates and coverage for young drivers and those with less-than-perfect driving records. The Signal® app can also help reduce premiums through good driving behavior.
Does Farmers offer accident forgiveness?
Yes, Farmers includes accident forgiveness on some policies, which prevents your rate from increasing after your first at-fault accident if you’ve been claim-free for several years.
Can I cancel Farmers auto insurance anytime?
Yes, you can cancel your Farmers policy at any time by contacting your agent or customer service. It’s best to have a new policy in place to avoid a lapse in coverage.
Suggestions for you
Read More
Authored by: Deric Kalamitsiotis • 5 minutes
Published on: Aug 7, 2025
Steering Wheel Shake or Wobble Causes Symptoms and Fixes
Authored by: Joseph Scott • 6 minutes
Published on: Aug 5, 2025
Brad Pitt F1 Movie: Everything You Need to Know About the Release Date, Cast, and APXGP Car
Authored by: Deric Kalamitsiotis • 5 minutes
Published on: Jul 25, 2025
Subaru Forester: The Unsung Hero of Adventure, Value, and the Long Haul (Owner Insights & VSC Value)
Let’s work together
Every week we showcase three charitable organizations that our donations are sent to. Our clients are able to choose which of these three will receive their gift when they add coverage to their vehicle...