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Billing & Payments FAQ

Answers to the home insurance questions we hear most. 

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Pay Bill 

1

Which policy(ies) can I pay online?

Here are the policy types you can pay online with or without a Farmers.com account:

  • Personal auto, home, umbrella 
  • Specialty (RV, motorcycle, etc.) 
  • California Earthquake Authority (CEA) 
  • Business insurance 
2

How can I pay my bill? 

  • Online with a Farmers.com account:
    • One-time payment
    • Automatic payment
    • Scheduled payment *
      *May not be available for all policy types.

Create an account

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  • Online without Farmers.com account. You can make a payment without a Farmers.com account. Make sure you have this information ready:
  • By phone – You can call your Farmers® agent during normal business hours, or the Farmers self-service line at the numbers listed below. Normal business hours are between 7:00a.m. to 11:00p.m. (Central Time) from Monday to Friday, or between 8:00a.m. and 8:00pm. (Central Time) on Saturday and Sunday. 
  • By mail - Make sure to write your account number on your personal check or money order. Mail to the appropriate P.O. Box located on your bill or to your Farmers agent’s office. 
  • For California Earthquake Authority policies – Make sure to write your policy number on your personal check or money order: 
Farmers Insurance Exchange
PO BOX 60171
City of Industry, CA 91716-0171.
 
 
3

What payment methods can I use?

  • Checking, savings, or business checking account online or via check by mail 
  • Debit/Credit:
    • Visa
    • Mastercard
    • American Express
    • Discover
This may vary by state and product. Use of credit/debit card is optional. The same insurance is available regardless of the method of payment. Payments may be made by cash, check, or by credit/debit card, except in those cases where electronic payments are required. 
4

Why can’t I pay my bill online?

For some policy types or providers, like flood insurance and pet insurance, we don’t offer online payments. For these, you can contact your Farmers® agent or call us at 1-888-327-6335.

5

How do I add a payment method?

  1. Log in to your Farmers.com account
  2. Click “Payments”
  3. Click “Payment Methods” from the sub-menu
  4. Click ‘Add payment method”
  5. Enter required account information
  6. Review the terms and conditions
  7. Click  “Add”
6

Where can I find my bank’s routing transit number and my account number?

Please contact your bank with any questions about your routing or account numbers. 

You can also look at the bottom of your check. For personal accounts, most banks print the nine-digit routing transit number on the left and your checking account number on the right. 

7

How do I schedule a payment for a future date*?

  1. Log in to your Farmers.com account
  2. Click ‘Pay bill” for the account 
  3. Select the date you want your payment processed

* May not be available depending on policy type.

8

How do I cancel a scheduled payment?

  1. Log in to your Farmers.com account
  2. Click “Payments”
  3. Click “Payment History” from the sub-menu
  4. Select billing account for the scheduled payment you wish to cancel
  5. Click “Cancel Payment”


Please Note:

You may only cancel a payment while it's still in “Scheduled” status — generally at least one business day prior to the payment date. 

When canceling a scheduled payment an alternate payment may be needed to keep the account current. 

9

Is there a fee to make a payment online?

  • There is no additional fee to make a one-time online payment.  
  • There may be an installment fee associated with your payment plan. 
  • There will be additional fees if your payment is late or returned by your bank.  
10

I made a payment through my Farmers agent’s office. Why does my online account show an amount due?

It can take up to three business days for your account to reflect a payment made in your Farmers agent's office. If it has taken longer than three business days, please contact your Farmers® agent or call us att 1-888-327-6335.

View Bill 

1

How will I know when I have new bills to pay?

  • Paperless Billing -- you will receive email notifications when your electronic bills are ready. 
  • Paper Statements – they are mailed at least 20 days before your due date. 
  • For some policies enrolled in automatic payments, you will receive a notification upon enrollment and when there is a change in the deduction amount. This is not an actual bill and is generally mailed out approximately 10 days before your deduction date is scheduled. 
2

How do I view my most recent billing statement?

  1. Log in to your Farmers.com account
  2. Click ‘View bill” on the account you wish to view.*

*Clicking “View bill” will open a separate window with the statement or notice. You can save your statement by printing or downloading.

For some policies on automatic payments, there is no statement. You can find your automatic payment letter in Policy documents.

3

Who can see my bills or pay my bills online?

Only someone who is a named insured on your Farmers policy can view your online statements.  
Anyone with the policy number or billing account and Zip Code can make an online payment without a Farmers.com account.  

Click here to make a payment 

4

Why did I receive a bill for a property that should have been escrowed?

You might have been billed for property insurance that should be escrowed because:

  • The mortgagee or loan information on file is incorrect. Please contact your Farmers agent to update your account. 
  • After a refinance, the mortgagee or loan information needs to be updated. Please contact your Farmers agent to update your account. 
  • Your mortgage company has been billed, but payment has not been received. Please contact your mortgage company. 


Autopay 

1

How do I enroll in Automatic Payments?

  1. Log in to your Farmers.com account
  2. Click ‘Set up Autopay’ for the account 
  3. Select or add a payment method
  4. Review the terms and conditions
  5. Click “Set up Autopay” 
The amount due for each payment will be drafted automatically on each statement’s due date. The due date selected can vary by product. 
2

How do I stop an individual Automatic Payment?

  1. Log in to your Farmers.com account 
  2. Click “Manage Autopay” for the account
  3. Click “Stop next payment”*


Please Note:

You may only stop an automatic payment generally at least one business day prior to the payment date. More time may be required, depending on your payment plan. If your account was compromised, please contact your financial institution.  

* When canceling an automatic payment, an alternate payment may be needed to keep the account current. 


General Billing 

1

What is Paperless Billing, and how do I start or stop?

Receive links to bills and billing reminders in your email inbox. Follow the steps below to start or stop Paperless Billing through your Farmers.com account:

  1. Log in to your Farmers.com account.
  2. Click ‘Go Paperless” in the Quick Links.
  3. Choose desired paperless options.
  4. Review the terms and conditions.
  5. Click “Save”.
Your preferred preferences will start on your next billing cycle.
2

Why does my payment due amount change?

There are several reasons your minimum amount due may change: 

  • A change to your policy — like adding a driver or vehicle, moving, changing your payment plan, or adjusting your coverage — may cause a change in your premium. 
  • Some states require state-imposed fees, taxes, or surcharges that are collected upfront. 
  • You may have recently started a new policy that didn’t require a down payment. 
  • You made a change after the last installment of an expiring policy. 
  • Your due date changed midterm, and the number of installments were reduced into a shortened billing cycle to prevent overlapping payments. 
  • One of the policies on your multi-policy billing account is about to renew. 
  • Your account is past due. 
3

What payment plans are available?

Farmers offers single-payment, installment, and automatic payment plans. See your agent to confirm the payment plans available for your policy type and state. 

4

After I make a payment, when is it processed?

  • Processing begins the day you make a payment, but it may take a few days to post depending on the payment method. Funds are typically withdrawn from a bank account within one to three business days. 
  • Charges to your credit card are usually completed on your payment date.  
  • If you need to cancel a one-time bank payment, please call us at 1-888-327-6335 or log into your Farmers.com account before 6:30p.m. Central Time. Please be aware that no changes can be made after 7:00p.m. Central Time. Even after a payment is canceled, some banks may continue to hold the funds for up to 3 three business days.  
5

How do I view my payment history?

  1. Log in to your Farmers.com account
  2. Click “Payments”
  3. Select “Payment History” from the sub-menu