Farmers Insurance Review 2026Drivers and homeowners who want to bundle multiple policies and prefer working with a local agent.
Farmers Insurance is one of the larger insurance groups in the United States, offering personal and commercial coverage primarily through a network of local agents. Founded in 1928, it provides auto, home, life, and business insurance across most US states. The company is known for its agent-based distribution model and a broad catalog of standard and specialty coverages.
Farmers Insurance at a Glance
Founded
1928
Headquarters
Woodland Hills, CA
AM Best (financial strength)
A
J.D. Power (satisfaction, approx.)
793
NAIC complaints vs. expected
About as expected
Coverage & Products
- ✓Auto insurance
- ✓Home insurance
- ✓Renters insurance
- ✓Life insurance
- ✓Business insurance
- ✓Umbrella insurance
- ✓Motorcycle insurance
- ✓Specialty and recreational vehicle insurance
Discounts
Pros
- +Wide product breadth spanning personal and commercial lines
- +Large agent network for in-person guidance and local service
- +Bundling options across auto, home, and life
- +Signal telematics program can reward lower-mileage or safer driving
Cons
- −Premiums can run higher than some direct-to-consumer insurers
- −Agent-centric model puts less emphasis on online self-service
- −Pricing, discounts, and availability vary widely by state and agent
Farmers Insurance — Frequently Asked Questions
Is Farmers Insurance a financially strong insurance company?
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Farmers Insurance carries an A.M. Best financial-strength rating of A. A.M. Best ratings measure an insurer's ability to meet its ongoing policyholder obligations; ratings of A- and above are considered "excellent" or "superior." This reflects claims-paying ability, not price or customer service.
How is Farmers Insurance's complaint record?
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In NerdWallet's analysis of 2022-2024 NAIC complaint data, Farmers Insurance drew about the expected number of complaints for a company of its size. That is a qualitative band, not an exact index: the NAIC tracks complaints per legal entity, line of business, and year, so results vary by subsidiary and state. Look up the specific company on the NAIC Consumer Insurance Search (content.naic.org) before you buy.
How do I get a quote or contact Farmers Insurance?
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You can request a quote or reach Farmers Insurance at farmers.com or by phone at 1-800-435-7764. Rates depend heavily on your individual profile (location, age, history, coverage), so compare at least three quotes before deciding.
Compare Auto & Home Insurance
Michael Torres
Editorial Lead, Catastrophe & Commercial Property
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed June 2026
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