About this app

Farmers auto insurance earned 4.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners and more.

Farmers offers standard coverage choices for auto insurance, in addition to several types of optional coverage, including:

New car replacement: If your new car is totaled within the first two model years and 24,000 miles of ownership, Farmers pays to replace it with a new one.
Accident forgiveness: One accident is forgiven, meaning your rate won’t go up if you have one, for every three years you drive without an accident.
Loss of use: When your car is in the shop or totaled after an accident, Farmers reimburses you for a rental, cabs or public transit. Most companies’ coverage only pays for a rental car.
Customized equipment coverage: If you have custom parts installed in your car, such as chrome rims or a new stereo system, this option expands your policy to cover those parts if they’re stolen or damaged. You must have comprehensive and collision to buy this coverage.
Original equipment manufacturer (OEM) coverage pays for replacement parts from your car’s manufacturer if you’re in a covered wreck, rather than aftermarket parts, which are cheaper. You must have collision and comprehensive coverage to opt in, and your car’s model must be within 10 years of the current calendar year.
Rideshare insurance: Companies such as Uber or Lyft typically provide limited liability insurance for drivers while the app is on, with full coverage that kicks when you accept a ride and have passengers. Farmers rideshare insurance extends your personal auto policy to fill in the gaps, providing coverage between rides, so you’re always covered during your rideshare job.

Farmers auto insurance discounts include:

Good driver discount.
Multi-vehicle discount.
Multi-policy (bundling) discount.
Discount for being part of a professional group.
Good student discount.
Discount for driving an alternative fuel vehicle.
Discount for being a homeowner.
Discounts if your car has certain safety or anti-theft features.
Teen driver discount.
Discount for paying for your policy in full.
Electronic payments discount.
Continuous coverage discount for starting a policy with no recent lapses in auto insurance.
Signal by Farmers is a program that uses a smartphone app to monitor your driving behavior. Once you sign up and complete 10 trips, you’ll receive a 5% policy discount, and at your next policy renewal the discount can increase up to 15% or more based on a driving score calculated by the app. The discount can also decrease based on your driving score, and the program is not available in every state.

New features

Farmer insurance

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Allows applications to change network connectivity state.
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