How Much Does Farmers Car Insurance Cost?

Choosing a car insurance provider can feel overwhelming. If you're considering Farmers, reviewing its pricing structure will help you determine if it's a good fit. However, we recommend gathering quotes from several providers to ensure you're securing the best deal if lowering your car insurance costs is a priority.

Farmers car insurance pricing per month

For full-coverage car insurance from Farmers, the average monthly cost is $225. Drivers who choose minimum liability-only coverage pay an average of $116 per month.

Keep in mind these are average figures. Your actual rate could differ significantly depending on your age, where you live, your credit score, and your driving record. While your personal Farmers rate may not match these averages exactly, they provide a useful benchmark for comparing different insurers.

	Farmers average monthly cost	National average monthly cost
Full coverage	$225	$186
Liability-only	$116	$104

Farmers' rates versus other car insurance providers

Each company evaluates risk and discounts differently, which creates pricing variation. Comparing quotes helps you see where Farmers stands for your particular circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$114	$59
Progressive	$182	$106
GEICO	$148	$95
Allstate	$148	$79
USAA	$105	$56
Farmers	$225	$116

Farmers' rates by age

Age significantly influences pricing at Farmers, as it does with most insurers. Car insurance for teen drivers carries the highest premiums, with full-coverage policies averaging $478 monthly.

Rates tend to decrease as you move into your 20s, where Farmers averages $274 per month. The decline continues through your 30s at $221 and into your 40s at $200 on average.

The lowest rates typically appear for drivers in their 50s, 60s, and 70s with monthly averages of $184, $164, and $158, respectively.

This pattern demonstrates how insurers price risk across different life stages.

Age group	Farmers average monthly full coverage cost	National average monthly cost
Teens	$478	$360
20s	$274	$242
30s	$221	$199
40s	$200	$191
50s	$184	$177
60s	$164	$159
70s	$158	$162

Farmers' rates for high-risk drivers

Drivers with traffic violations or accidents on their record typically face higher rates from Farmers. High-risk drivers with a speeding ticket average $289 monthly, while an at-fault accident brings average rates to $296 per month.

DUI convictions result in particularly high premiums, averaging $333 monthly. These are standard rates for high-risk situations, though your actual cost will vary based on when the incident occurred and your other rating characteristics.

Driving record	Farmers average monthly full coverage cost	National average monthly cost
Accident	$296	$249
Speeding ticket	$289	$241
DUI	$333	$275

How does your credit score affect your rate with Farmers?

Most states allow credit scores to influence insurance pricing. The exceptions are California, Hawaii, Massachusetts, and Michigan.

Where credit matters, Farmers adjusts pricing according to your credit tier. Excellent credit drivers average $191 monthly, while good credit pushes rates slightly higher to around $224.

Average credit typically results in premiums near $228 per month. Poor credit drivers can expect to pay closer to $276 monthly on average.

Credit clearly plays a substantial role in determining your monthly premium, though your final rate depends on multiple personal factors working together.

Credit score	Farmers average monthly cost of full coverage	National average monthly cost
Excellent	$191	$164
Good	$224	$179
Average	$228	$194
Poor	$276	$228

FAQs

Does Farmers offer accident forgiveness?

Farmers provides accident forgiveness coverage that prevents rate increases after your first at-fault accident, but you must maintain a clean driving record for at least three years to qualify for this benefit. Once eligible, Farmers forgives one accident every three years, and this forgiveness applies to all drivers listed on your policy, including teenage drivers. This coverage is available as part of Farmers Flex Personal Auto policies in certain states, where it becomes free after 36 months as a Farmers Flex customer.

What is Farmers Signal program and how much can I save?

Farmers Signal is an app-based telematics program that monitors your driving behavior including speed, braking, acceleration, and distracted driving to determine your discount eligibility. Safe drivers with a score of 80% or better could save up to 30-35% on their premiums and become eligible for monthly drawings to win up to $100 in rewards. The Signal app also includes CrashAssist, which uses your phone's sensors to detect potential accidents and can automatically alert emergency services if you're unable to respond after a crash.

What is Farmers diminishing deductible feature?

Farmers offers a diminishing deductible program that reduces your collision deductible by $50 for six-month policies or $100 for annual policies for each claim-free renewal period you maintain. This benefit can reduce your out-of-pocket costs by up to $500 total over time, rewarding safe driving with progressively lower deductibles. The diminishing deductible becomes free after 36 months as a Farmers Flex customer and helps make future claims more affordable without requiring you to switch policies or insurers.

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Bottom line

Should you choose Farmers as your car insurance company? Getting quotes from Farmers alongside competing providers and weighing them on both cost and service quality is the most reliable approach.

Data throughout provided by Insurify.

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