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Solvable conducts independent research and data analysis. Our content is not influenced in any way by other companies, including the ones we write about and/or have a financial relationship with. Above all else, we strive to make the best data-driven recommendations for our readers. Read more about our process.
What to Know
Discounts like Distant student or Homeowner, and add-ons like gap insurance, generally apply only when you ask for them and qualify. Ask for each coverage or discount option by name when you quote, then price that same coverage with other carriers so you're comparing the same options.
Farmers
Best Overall- Discounts
- 23
- Online Quotes
- Online Policy Purchase
Why We Like Farmers
Farmers suits drivers who want to build a policy around their situation, with options like new car replacement, OEM (original equipment manufacturer) parts, and rideshare and delivery coverage. Households with more than one car, a home to bundle, or a good student can combine discounts like multicar, multiline, and good student.
Pros and Cons
Pros
- Offers accident forgiveness
- Offers new car replacement
- Offers rideshare coverage
Cons
- Not sold in eight states or D.C.
- Can't buy a policy online
Solvable's Take on Farmers Car Insurance
Farmers is most useful when your situation is one a basic car insurance policy tends to skip. Personal policies often exclude driving for an app. If you drive for a rideshare or delivery app, Farmers sells Rideshare & Food Delivery Coverage, so you can ask about it. If you're financing a new car, look at Gap Insurance and New Car Replacement together.
Gap insurance pays the difference between what you owe and what the car is worth if it's totaled. That matters more than it used to: total losses accounted for 27% of claims in 2025, and only 58% of total-loss customers said the valuation fully met their expectations, according to JD Power.
Families adding a teen or sending one to college qualify for four discounts: Youthful driver, Good student, Distant student, and Shared family car. And if you're willing to let an app track your driving, there's the Signal discount, which is usage-based, meaning part of your price depends on how you drive.
If you live in Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont, West Virginia, or Washington, D.C., Farmers isn't an option.
The other case is buying online. Farmers offers online quotes and online claim filing, but you'll need to speak with an agent to purchase the policy.
Over time, claims matter more than the menu. Across insurers, 44% of customers who had an auto claim reported a price increase, and their satisfaction was 650 out of 1,000 versus 754 for those without one, JD Power reports.
Farmers offers accident forgiveness. Terms and eligibility vary, so ask how it works where you live and confirm it appears on your quote. Then get a Farmers quote with your add-ons and discounts named, and compare that same coverage with other carriers before you decide.
Farmers Car Insurance Discounts
Farmers lists 23 discounts, and what's available depends on your state, your car, and who's on the policy. Pick the ones that apply to you, and ask for them by name when you get a quote.
- Multiline
- Multicar
- Signal (usage-based)
- Affinity
- ePolicy
- Good payer
- Safe driver
- Distant student
- Youthful driver
- Good student
- Shared family car
- On your own
- Defensive driving
- Homeowner
- Alternative fuel
- EFT
- Pay in full
- Antilock brakes
- Anti-theft
- Passive restraint
- Homing device
- VIN etching
- Daytime running lights
Farmers Car Insurance Coverage
Liability coverage
Liability coverage pays for injuries and property damage you cause to other people in a crash. Nearly every state requires it.
Collision coverage
Collision coverage pays to repair or replace your car after a crash, minus your deductible, which is the amount you pay before coverage starts.
Comprehensive coverage
Comprehensive coverage pays for damage that doesn't come from a crash, such as theft, hail, fire, or hitting an animal, minus your deductible.
Uninsured/underinsured motorist
This coverage pays your costs when the driver at fault has no insurance or too little to cover what you're owed.
Gap insurance
Gap insurance covers the difference between what you still owe on a loan or lease and the car's value if it's totaled. This matters most in the first years of a loan, when you're more likely to owe more than the car is worth.
Rideshare and food delivery coverage
This coverage helps fill gaps while you're driving for a rideshare or delivery app, a situation personal policies often exclude. Ask exactly which stages of app driving it applies to before you count on it.
Frequently Asked Questions
Is Farmers auto insurance good?
For many drivers, Farmers is a good option. Farmers has a wide coverage menu and discount list. However, it's unavailable in eight states and Washington, D.C. Before you decide, compare the same coverage and limits with at least one other carrier.
Can you buy Farmers car insurance online?
Farmers offers online quotes and online claim filing, so getting a price and reporting a claim don't require a phone call. Buying the policy itself, however, requires speaking with an agent in person or over the phone. Build that into your timeline before you request a quote.
Does Farmers offer a usage-based or accident forgiveness option?
Yes to both. Farmers includes a Signal usage-based discount, where your driving habits are tracked to help set part of your price. Accident forgiveness is also available.
Neither is guaranteed to work the same way for every driver or every state. Ask how each one applies and whether you qualify before you assume it's already built into your quote.
