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Why you should choose Farmers

Why Farmers Auto Insurance is a Smart Choice

At Farmers, we know that protecting your vehicle is more than just a basic obligation. It’s a vital necessity in your world...and these days, your needs go well beyond “basic.”

That’s why Farmers has spent 85 years building the Smart Choice in auto insurance, to bring you more than just coverage.

Video: Learn the Basics

Video: Auto insurance basics Insuring a vehicle? Get to know the basics of Auto insurance.

Car insurance with Farmers means:

Control over your policy

You’re in the driver’s seat. Register your policy and manage, change, and update it in an instant.

Personalized attention

Your personal, dedicated and local Farmers agent is right down the block whenever you need them, and our helpful Call Center agents are always a phone call away.

Insight and guidance

Farmers has spent a lifetime building a strong, trustworthy, and knowledgeable business. We put all of our products, resources, agents, information, and experience at your disposal.


Manage your policy your way, with our mobile apps, paperless policy documents and billing, and online automatic bill payments.

Smart savings

Our long list of auto insurance discounts saves you money on smarter coverage. See which discounts you’re eligible for!

24/7 protection

Our award-winning Farmers Claim Services is open 24 hours a day, 7 days a week to process your claim, guide you through the process, and get you back on the road safely.

Customize your Auto Insurance policy with plenty of coverage options

Farmers understands that in life, as in Car insurance, foresight and awareness are everything.  So when it comes to protecting what you care about most, “one-size fits all coverage” just doesn’t cut it!

That’s why Farmers Auto insurance gives you incredible coverage options to help you spot coverage gaps and cover other unexpected costs.

Consider additional protective options like:

  • No Fault, No Foul

    Accidents happen, that’s why you have insurance. And Farmers knows that accidents aren’t always your fault. That’s why with this option, your rate remains unchanged when you’re not at fault.

  • Small Claim Forgiveness

    With this option, your rates will never go up because of a fender bender or other small accident (with damages under $1,000) even if it’s your fault.

  • Incident Forgiveness

    Get a speeding ticket? Pretty frustrated? We understand these things happen! So with this added option, Farmers won’t increase your rates for getting a citation, as long as no claim is filed.*

  • Comprehensive Claims Forgiveness

    If someone steals your car, or hail puts some golf-ball sized dents in the hood, don’t worry if you have this optional coverage, because Farmers won’t increase your rate.

Learn more about our additional Auto insurance benefits, and see how you can optimize and customize your policy!

Start today, by getting a quick free Auto insurance quote online, or call 1-888-327-6335 to speak with a helpful Customer Service Agent.


Not available in all states.

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverage, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.

*Guaranteed Savings and upfront dealer pricing information not available in all states. In these states, a Target Price is shown, which is a market-based example of what you can reasonably expect to pay for your vehicle as configured. Your configured vehicle may not be available or in-stock at the Certified Dealers.