Find the Best Farmers Insurance Quotes

Independent guide. Not affiliated with Farmers.

Farmers sells through local agents and online quotes, and lists more than 20 discounts. Here are its coverage options, the Signal app and how to compare a Farmers quote with others by ZIP Code. For leased or financed vehicles, see which carriers sell gap coverage.

At a glance

Who can buy: General public; group discounts for employees and members of participating organizations (Farmers GroupSelect).
How you buy: Local Farmers agent or online quote.
Products: Auto, home, life (term, whole, indexed universal), motorcycle, rideshare and business insurance.
Availability: Coverages and discounts vary by state; Signal and its discount are not available in every state.

By the InsuranceNew.org Editorial Team. Last reviewed: October 4, 2026. How we research carriers

Coverage options

Besides liability, comprehensive, collision, uninsured/underinsured motorist, medical payments and PIP, Farmers lists these optional coverages (Farmers coverages):

Towing and roadside service
Rental car reimbursement (up to 30 days) and rental alternative/loss of use
Original equipment manufacturer (OEM) parts
Accident forgiveness
Rideshare and food delivery coverage
New car replacement / vehicle replacement plus (varies by state)
Customized equipment
Glass deductible buyback
Gap insurance / residual debt coverage
Personal umbrella policy (separate policy)

Discounts

Farmers says it offers more than 20 discounts and you can combine them (Farmers car insurance discounts). Examples it lists:

Bundling home and auto: "10% or more", per Farmers, depending on where you live
Farmers GroupSelect for employees and association members
Loyalty, ePolicy (paperless), Good Payer, Auto Pay and Pay in Full
Safe driver, five-year accident free, good student, distant student, youthful driver and shared family car
Mature driver/defensive driver (over 55 with approved training), homeowner and anti-theft

Signal app

Signal is Farmers' smartphone telematics app. You get an initial discount for enrolling, and safe driving could earn a renewal discount; Farmers says riskier driving could raise your renewal premium. Per Farmers, Signal and its discount are not available in FL, HI and NY, and the discount is not available in CA.

Quotes and claims

Start an online quote or find a saved quote on Farmers' quote site. Our saved car insurance quote guide shows where other carriers put this option.
Farmers publishes a what you need for a quote checklist.
Report or track a claim at Farmers auto claims; our sister site has a Farmers claim guide.

Who it suits, and who should look elsewhere

Worth quoting if

You want a local agent plus a long list of combinable discounts
Your employer or association participates in GroupSelect
You want options like OEM parts, gap/residual debt or new car replacement

Consider other carriers if

You live in FL, HI or NY and want a telematics app discount
You want to buy and manage everything online without an agent
You qualify for USAA or the AARP program and want to compare those first

How Farmers compares

A qualitative snapshot from each carrier's own website. It does not rank prices; your quote depends on your ZIP Code, vehicle, driving record and coverage choices.

Farmers compared with similar carriers
Carrier	Who can buy	How you buy	Telematics
Farmers	General public; GroupSelect for groups	Local agents, online	Signal
State Farm	General public	Local agents, online	Drive Safe & Save
Allstate	General public	Online, 24/7 chat, local agents	Drivewise, Milewise

Rate comparison from our sister site: State Farm vs Farmers.

Ratings and complaints

We link to the independent sources instead of restating scores, because ratings change. Look up Farmers on the NAIC Consumer Insurance Search (complaint data reported by state regulators) and check its financial strength rating with AM Best (free registration may be required).

Frequently asked questions

These questions cover a saved Farmers quote, gap insurance, the Signal app, and the bundle discount.

How do I find a saved Farmers quote?

Use the "Find a saved quote" option on Farmers' online quote site, linked from Farmers' auto insurance page. You can also start a new online quote or work with a local Farmers agent. Our saved car insurance quote guide shows where other carriers put the same kind of option.

Does Farmers offer gap insurance?

Farmers lists gap insurance / residual debt coverage among its optional auto coverages, along with new car replacement, original equipment manufacturer parts, and accident forgiveness. Those options vary by state. Check the quote to see whether gap coverage is included or offered as an add-on.

What is the Farmers Signal app?

A smartphone app that monitors driving behavior; you get an initial discount for enrolling and could earn a renewal discount. It is not available in every state.

How much is the Farmers bundle discount?

Farmers says you can save 10% or more by bundling home and auto, depending on where you live, and that it offers more than 20 discounts you can combine. The bundle amount is not the same in every state. Compare the bundled price with separate quotes that use the same coverage before you decide.

Compare quotes by ZIP Code

Use the same limits and deductibles for every quote, so the price difference is real. The forms below continue to a partner site, not to Farmers.

Car insurance quotes

Home insurance quotes

Life insurance quotes

Quick savings tip: Farmers sells through local agents and online quotes, and it lists more than 20 discounts. Use the same limits and deductibles on the auto, home, and life forms. Coverages and discounts vary by state, and Signal is not available in every state.

Sources

Checked on October 4, 2026. Carrier pages change; the carrier's policy documents and its quote are what count.

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