Billing & Payments FAQ

Answers to some of your common billing and payment questions.

Billing & payments frequently asked questions

Where can I pay my bill?

Farmers offers a number of convenient ways to pay your bill:

  • Pay your bill online: It's easy to make a one-time payment or set up automatic payments from your account for your personal auto, home or umbrella policies.
  • Pay your bill by phone: You can call your Farmers agent during normal business hours, or our self-service line at 1-888-327-6335.
  • Pay your bill by mail: Please be sure to write your account number on your personal check or money order. You can mail payments to P.O. Box 0991, Carol Stream, IL 60132-0991, or to your agent's office.
  • Pay your bill at a Farmers agency: Any Farmers agency can accept your payment. Please be sure to have your account number or payment stub available.

What type of payments can I make online?

You can make online payments with your bank account or credit/debit card for personal auto, home and umbrella policies, and for commercial policies. If you have your policy number and zip code, you can get started here.

What payment methods can I use?

You can make payments from a checking or savings account, or with Visa®, MasterCard®, American Express®and Discover® credit or debit cards.

How do I make an online payment?

To make an online payment without logging in to a account, you can click here.

To make an online payment while logged in to your account, click Pay Bill for the desired account. Modify Payment Amount and Payment Date if you wish. Then select or add the Payment Method you want to use and click Continue. If you need to modify any payment information, click Cancel to go back to the previous step. When everything looks correct, click the Payment Authorization checkbox and click Submit Payment.

You will receive an immediate confirmation message for each payment you submit. Shortly after making your payment, you'll also receive an email confirmation.

When entering my payment method, where can I find my bank's routing transit number and my checking account number?

Look at the bottom of your check. Most banks print a nine-digit routing transit number on the left and your checking account number on the right. Please contact your bank with any questions about your routing or account numbers.

How do I view my payment history?

To view your payment history, log in to your account, click Payments and select View Payment History from the menu.

After I authorize a payment, when is it processed?

Processing begins on your payment date. 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.

How do I cancel a scheduled payment?

Log in to your account, click Payments and select View Payment History from the menu.

On the Payment History page, select the billing account for the scheduled payment you wish to cancel and click Cancel This Payment. Click Yes in the popup to complete the cancellation. Your payment status will now show Cancelled.

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

Please note when cancelling a scheduled payment that an alternate payment may be needed to keep the account current.

What is a payment method?

A payment method is a bank account or credit/debit card you can use to make a payment online. A payment method can be stored on your account for the next time you want to pay online.

How do I set up a payment method?

You can set up a payment method in your account by clicking on Add Payment Method when you select Make a PaymentSet Up Automatic Payments or Manage Payment Methods from the Payments link.

Choose Add Payment Card or Add Bank Account, enter required account information, accept terms and conditions, and click Save. You will now see your payment method listed on the page.

What is a nickname?

A nickname is any name you choose to easily identify a stored payment method.

Does Farmers® offer automatic payments?

Yes. At your request, Farmers can automatically draft payments from a bank account or credit/debit card on your due date. You can set up automatic payments in your account — or you can ask your Farmers agent for help.

How do I set up automatic payments?

While logged in to your account, click Payments and select Manage Automatic Payments from the menu. Select or add a Payment Method, review and accept automatic payment terms and conditions, and then click Save.

The amount due for each payments will be drafted automatically on each statement’s due date.

How do I stop an automatic payment?

While logged in to your account, click Payments. When the option of stopping an automatic payment is available — usually up to one business day prior to a scheduled draft date — you can select Stop Automatic Payment this Billing Cycle.

Please note when canceling an automatic payment that an alternate payment may be needed to keep the account current.

I made a payment through my 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 agent's office. If it has taken longer than three business days, please contact your Farmers® agent or call us at 1-888-327-6335

Why can't I pay my bill online?

Online payments may not be available for reasons like these:

  • Some policy types or providers — such as the California Earthquake Authority — don’t offer online payment.
  • Life policy payments cannot be made online. Most life policies require an automatic payment to be set up.
  • Your policy may have been canceled. Please contact your agent for more information.

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

If you’re enrolled in Paperless Billing, you will receive email notifications when your electronic bills are ready. Paper statements are mailed at least 20 days before your due date.

What are the advantages of signing up for Paperless Billing?

In addition to the convenience of receiving bills and billing reminders by email, enrolling in Paperless Billing may also reduce or eliminate service charges.

How do I start or stop Paperless Billing?

While logged in to your account, click My Profile and scroll to Paperless Options. Click Edit my Paperless Options. Choose your desired paperless options, agree to the paperless terms and conditions, and click Save.

Your billing preference will start with your next billing statement.

How do I view my most recent billing statement?

While logged in to your account, click Payments and choose View Statements and Notices from the menu. On the Statements & Notices page you can select a billing account you wish to view. Clicking View Document will open a separate window with the statement or notice. From this window, you can save your statement by printing or downloading.

Why does my payment due change?

There are several reasons your minimum amount due may change:

  • A change to your policy — like adding a driver or vehicle, moving or adjusting your coverage — may cause a change in your premium. The difference will be spread over your remaining installments as evenly as possible.
  • 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.
  • Your account is past due.

What payment plans are available?

Farmers offers several payment plan options:

  • 1-Pay: Pay your premium in full at the beginning of each policy term.
  • 2-Pay: Pay your premium in two installments per term.
  • Monthly: Pay your premium in six or twelve installments, depending on your term length.

Automatic payments are available on most payment plans by bank account draft or credit/debit card.

Changes can impact each pay plan differently. See your agent to confirm availability of any payment plan for your policy type and state.

Why did I receive a bill for a property that should be 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 agent to update your account.
  • After a refinance, the mortgagee or loan information needs to be updated. Please contact your agent to update your account.
  • Your mortgage company has been billed, but payment has not been received. Please contact your mortgage company.

Who can see my bills or pay my bills online?

Only someone who is a named insured on your Farmers policy is able to view your online statements. If you believe you should have access to additional policies, please contact your Farmers® agent or our service line at 1-888-327-6335 between 7:00am to 11:00pm (Central Time) from Monday to Friday, or between 8:00am and 8:00pm (Central Time) on Saturday and Sunday.

Whom do I contact if I have additional questions about billing or payments?

If you need assistance you can always contact your Farmers® agent or our service line at 1-888-327-6335 between 7:00am and 11:00pm (Central Time) from Monday to Friday, or between 8:00am and 8:00pm (Central Time) on Saturday and Sunday.

Need help?