Billing & Payments FAQ

How can I pay my bill?

• Online with Farmers.com account - for personal auto, home, and umbrella policies:

• One-time payment
• Automatic payment
• Scheduled payment

Login here

• Online without Farmers.com account – for personal auto, home, umbrella, and business insurance policies.  You can make a payment without a Farmers.com account. Make sure you have this information ready:

• Policy number or billing account number
• ZIP code
• Click here to make a payment

• By phone – You can call your Farmers agent during normal business hours, or our self-service line at the numbers listed below.

• 1-888-327-6335 personal auto, home or umbrella policies.
• 1-855-323-5350 business insurance
  

• By mail - Make sure to write your account number on your personal check or money order:

P.O. Box 0991

Carol Stream, IL 60132-0991

OR

Your Farmers agent’s office

What payment methods can I use?

• Checking or savings account online or via check by mail
• Debit/Credit:

• Visa
• Mastercard
• American Express
• Discover

This may vary by state and product.

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 Funds are typically withdrawn from a bank account within one to three business days.

Payments made after 7:00 pm central time should post the next business day.

Charges to your credit card are usually completed on your payment date.

Why can’t I pay my bill online?

Some policy types or providers do not offer online payments.

For example:

• California Earthquake Authority policies can only be paid through our one time payments page.
• Specialty policies can be paid at Foremost.com
• Life policy payments cannot be made online. Most life policies require an automatic payment to be set up.
• If your policy was cancelled, payments on cancelled policies can only be paid through our One time payments page.

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

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 at 1-888-327-6335.

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 “My Profile”
3. Scroll to “Paperless Options”
4. Click “Edit my Paperless Options”
5. Choose desired options
6. Agree to the Terms and Conditions
7. Click “Save”

Your preferred preferences will start on your next billing cycle.

You may reduce or eliminate services charges by enrolling in Paperless Billing.

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 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
• 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.

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

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.

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

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.

Anyone with  a policy number or billing account and Zip Code can make an online payment without logging in to a Farmers.com account, just click here.

How do I enroll in Automatic Payments?

1. Log in to your Farmers.com account
2. Click “Payments”
3. Select “Manage Automatic Payments”
4. Select or add a payment method
5. Review and accept automatic payment terms and conditions
6. Click “Save”

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

How do I stop an Automatic Payment?

1. Log in to your Farmers.com account 
2. Select “Payments”
3. Click “Stop Automatic Payment for this Cycle”

How do I schedule a payment?

1. Log in to your Farmers.com account
2. Click “Payments”
3. Select “Schedule a Payment”

How do I cancel a scheduled payment?

1. Log in to your Farmers.com account
2. Click “Payments”
3. Select “View Payment History”
4. Select billing account for the scheduled payment you wish to cancel
5. Click “Cancel This Payment”
6. Click “Yes” to complete cancellation 

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.

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

How do I view my payment history?

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

How do I add a payment method?

1. Log in to your Farmers.com account
2. Click “Payments”
3. Select “Manage Payment Methods”
4. Choose “Add Payment Card” or “Add Bank Account”
5. Enter required account information
6. Give the payment method a nickname to identify it easily for future payments
7. Accept terms and conditions
8. Click “Save”

How do I view my most recent billing statement?

1. Log in to your Farmers.com account
2. Click Payments
3. Select View Statements and Notices
4. Select billing account you wish to view. 

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

How do I add a payment method?

1. Log in to your Farmers.com account
2. Click “Payments”
3. Select “Manage Payment Methods”
4. Choose “Add Payment Card” or “Add Bank Account”
5. Enter required account information
6. Give the payment method a nickname to identify it easily for future payments
7. Accept terms and conditions
8. Click “Save”

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.

What if I need additional assistance with making a One-time Payment? For example, if I get an error message, an incorrect amount  was entered, incorrect payment method used, etc.

If you require assistance please contact your Farmers agent or our billing customer service team using the information on the Contact Us page. 

Is there a fee to make a payment online?

There is no fee to make an online payment.

How long does it take for my payment to post to my Billing Account?

Payments made after 7:00 pm central time should post the next business day.