Farmers Insurance Review, Offers, Rates & Alternatives
Farmers Insurance is a major US insurer offering auto, home, life, and business insurance through a large agent network, known for customisable coverage options. Giraffy lists two Farmers policies: the Farmers Smart Plan for auto, with a listed average premium of about $1,800 a year, and Farmers Homeowners (HO-3), at about $1,400 a year. Both list a 10–25% discount for bundling home and auto, and Farmers lists an AM Best rating of A. Its listed auto average is above State Farm (~$1,350) and GEICO (~$1,400), so getting a bundle quote matters.
Live offers
- Farmers Homeowners
- Farmers Smart Plan
| Products | Auto, home, life, business insurance |
|---|---|
| Auto (Smart Plan) | Comprehensive; listed average ~$1,800/yr |
| Home (Homeowners HO-3) | Listed average ~$1,400/yr |
| Bundling discount | 10–25% for home + auto |
| AM Best rating | A |
| Best for | US customers wanting a traditional agent-based insurer with customisable coverage |
| Alternatives | State Farm, Allstate, Nationwide |
Best for
- US customers wanting customisable coverage with a local Farmers agent
- Households bundling home and auto to use the 10–25% multi-policy discount
Not ideal for
- Price-sensitive customers — Farmers rates can be high
Farmers auto insurance
The Farmers Smart Plan is the Farmers auto policy tracked on Giraffy.
- Comprehensive cover; listed average premium about $1,800 a year
- 10–25% off when bundled with Farmers home insurance
- Listed averages for comparison: State Farm ~$1,350, GEICO ~$1,400, Nationwide SmartRide ~$1,500 a year
Best for: Drivers who also insure their home with Farmers and can use the bundle discount.
Farmers homeowners insurance
Farmers Homeowners is a comprehensive HO-3 policy.
- Listed average premium about $1,400 a year
- Bundle with auto for 10–25% off
- Listed averages for comparison: Nationwide and State Farm ~$1,200, Allstate ~$1,400 a year
Farmers Insurance vs alternatives
Farmers Insurance vs State Farm
Better customer satisfaction and more agents. State Farm consistently outranks Farmers on customer satisfaction. Compare quotes on Giraffy.
Farmers Insurance vs Nationwide
Lower listed home and auto averages. Farmers vs Nationwide: Nationwide's listed averages are about $1,500 a year for auto and $1,200 for home, against about $1,800 and $1,400 for Farmers.
Farmers Insurance in United States — FAQ
Is Farmers Insurance expensive?
Farmers is often not the cheapest — compare with GEICO and State Farm on Giraffy.
How much is Farmers car insurance?
Giraffy lists the Farmers Smart Plan at an average of about $1,800 a year for comprehensive cover. Your quote depends on your state, vehicle, driving record and the discounts you qualify for, including 10–25% off for bundling with home insurance.
How much is Farmers homeowners insurance?
Farmers Homeowners, a comprehensive HO-3 policy, is listed at an average of about $1,400 a year on Giraffy. Bundling with a Farmers auto policy lists a 10–25% discount.
Is farmers.com the official Farmers Insurance website?
Yes — Farmers Insurance quotes and policies are on farmers.com. Giraffy is an independent comparison site: we show Farmers alongside other US insurers and link to Farmers' own site to get a quote.