Farmers Insurance

Yes, Farmers has accident forgiveness. Farmers accident forgiveness prevents a single at-fault accident per policy from increasing premiums once every three years. Accident forgiveness is automatically applied to eligible car insurance policies from Farmers.

Drivers must be Farmers customers and licensed U.S. drivers for at least three years to qualify for accident forgiveness. However, customers under 21 years old are eligible even if they have less than three years of U.S. driving experience, as long as one parent qualifies.

Drivers may not have any signs of a poor driving record from the past few years, either. Consequently, drivers cannot have any recent minor violations like speeding tickets, major violations like a DUI, or at-fault accidents that could lead to a rate increase.

Not every state allows accident forgiveness, so contact your Farmers agent or the customer service department if you're wondering about your eligibility. Finally, for more information, check out WalletHub's guide to accident forgiveness.

Farmers is cheap because the company offers a wide variety of discounts and is the 7th largest private-passenger car insurance provider by premiums written. This volume helps Farmers keep prices low. Farmers ranked 10th overall in WalletHub's cheap car insurance review, partly because it offers discounts like autopay, paperless, paid-in-full, and more. Plus, Farmers rewards customer loyalty with discounts for insuring more than one car or bundling multiple policies, such as home and auto.

Farmers is especially cheap for responsible drivers in particular. That's because Farmers has special savings opportunities for drivers in this category, such as discounts for safe drivers, good students, and people who take a defensive driving course. But even though Farmers is among the cheapest car insurance companies, the only way to confirm you've found the lowest price is to compare quotes from multiple companies. Your final premium is based on a variety of factors, like your driving record, insurance history, the type of car you drive, and more, and all insurance companies can't offer the same rate.

To get a personalized quote from Farmers, you can speak to a representative by calling 1 (888) 327-6335.

Yes. Farmers offers non-owner car insurance for drivers who don't own a car but still need to be insured. Non-owner car insurance from Farmers is liability-only coverage, which means it only pays for bodily injuries and property damage suffered by the other driver in an accident for which you were at fault. Non-owner car insurance does not pay for your injuries or those of your passengers, and it won't cover damage to the vehicle you were driving, either.

Normally, most of the cost of car insurance goes to covering the vehicle. Because a Farmers non-owner policy only covers you, not the vehicles you drive, premiums are lower than on a standard policy. Your individual quote will mostly depend on your driving record, but the average cost of non-owner car insurance from Farmers is $521 per year.

To find out how much you would pay for non-owner car insurance from Farmers, call 1 (888) 327-6335  to get a free quote. It's definitely worth exploring for many drivers. After all, there are numerous situations where non-owner car insurance could be helpful. You should consider non-owner car insurance from Farmers if you:

• Drive frequently but do not own a car
• Rent cars regularly
• Use car sharing services, such as Zipcar, often
• Need to get or reinstate your license
• Need to file an SR-22 form, despite not owning a car

Yes. Farmers insurance rates are competitive. Farmers ranks 10 overall in WalletHub's national cheap car insurance study. The average cost of a full-coverage Farmers car insurance policy is $342 per month. You can also find sample rates for six different driver profiles below.  

Sample Farmers Car Insurance Rates

Overall, Farmers' auto insurance rates tend to be lower than those charged by some other major insurers, including Allstate, Nationwide, and Travelers.

Farmers has earned positive reviews from customers for the way they handle repairs and claims. Farmers offers multiple discounts and quality claims support, too, but consumers should compare quotes with other major providers to make sure they get the best possible rate.

Farmers's car insurance rates are based on your driving record and experience, along with a variety of other factors like the type of car you drive, your zip code, insurance history, and more. Your coverage and deductible choices impact the final quote, too, as do your eligibility for discounts.

Our sample quotes are representative of Farmers's insurance prices, but individual results will vary. For example, these quotes do not take into account any Farmers discounts, which can lower premiums significantly. To learn more about how we obtained these sample quotes, check out the methodology section of our complete Farmers car insurance review.  

Ultimately, knowing that Farmers is among the cheapest major auto insurance companies is only a starting point as you shop for coverage. The best car insurance for your needs must not only fit into your budget, but also provide quality coverage and excellent customer service, too.

Yes. Farmers offers rental car insurance. Farmers rental car insurance is usually included in a driver's personal car insurance policy if the driver carries liability, comprehensive, or collision coverage and is driving in the U.S. Each policy is unique, though, and there may be certain exclusions based on your specific situation. It's very important to confirm the details of your policy by calling customer service at 1 (888) 327-6335 before declining additional coverage at the rental counter.

Farmers also offers rental car reimbursement, which helps pay for the cost of a rental car while your personal vehicle is being repaired for a covered claim. If you add rental reimbursement to your policy, your insurance company will pay a fixed amount per day toward the cost of your rental, up to up to 30 days. You select specific rental car reimbursement limits when you purchase the add-on. For example, Farmers might pay up to $25 per day for a maximum of 30 days for your rental car. Rental reimbursement coverage costs between $2 and $15 per month, on average, but you'll need to call customer service to get a personalized quote and add this coverage to your policy.

Farmers Rental Car Insurance Coverage Limits

The same Farmers coverage limits that apply to your personal vehicle will also apply to a rental car. If you only carry liability insurance, Farmers will pay for the other driver's injuries and property damage after an at-fault accident—but not physical damage to the rental. You need a full-coverage policy to have damage to the rental car covered by your insurer.

If you rent a car similar in value to your personal vehicle, you probably have enough insurance. But if your personal vehicle is a 15-year-old sedan and you decide to rent a 2021 luxury car, you should look into extra coverage. That's because the limits you've chosen for your personal policy may not be sufficient to cover damage to a more expensive rental car.

One option to make up for insufficient coverage when renting a car is to get a collision damage waiver (CDW) from the rental counter, which leaves the rental company responsible if the car is damaged, vandalized, or stolen. In addition to a CDW, rental car companies offer a few other types of insurance if you don't have enough coverage with your Farmers policy. These include supplemental liability protection, personal accident insurance, and personal effects coverage.

The insurance offered by the rental company often duplicates coverage drivers already have through health, life, and auto insurance. You may also have rental insurance from your credit card company, which is nullified if you purchase the rental company's coverage.