This review will analyze the JD Power ratings & numerical scores for Farmers auto and homeowners insurance, in all the JD Power claims & customer satisfaction studies where the company was included in the last few years, to see if its JD Power ratings truly reflect the quality of the claims & customer service for the company. This review will show you if Farmers auto and/or home insurance has a better-than-average, average, or below-average performance in JD Power studies from 2012-2016, and how Farmers compares to leading competitors, like State Farm, Metlife, Progressive, GEICO, Allstate, American Family, Travelers, etc. in these JD Power auto & homeowners insurance claims & customer satisfaction studies.
The detailed information in this review and my review of the auto & homeowners insurance complaint record for Farmers, compares Farmers auto & home insurance to the industry average and competing companies for customer service, claims handling performance, and insurance rates, but if you don’t want to read all the details, you can scroll down to my review summary below in section #6 to see if Farmers is average, better than average, or worse than average, based on its performance in recent JD Power studies.
Why you need to read this review
You need to know more than the overall satisfaction ratings for an insurance company published by JD Power in its annual press release for each of its insurance studies.
Here’s why:
Farmers rated three power circles for Overall Auto Insurance Customer Satisfaction in California and the Central region of the 2015 JD Power U.S. Auto Insurance Customer Satisfaction Study, but for the factors of Pricing in the same two region studies, Farmers received the lowest rating of two power circles. Is a company really about average for auto insurance customer satisfaction if its customers give it the lowest ratings for auto insurance rates?
It’s important to know how Farmers performed in each category (called Factors by JD Power) in a study, such as Billing & Payment, Service Interaction, Rental Car Experience, Pricing, Claims Settlement, Repair process, etc., which make up its total score, because you may not get the above-average service you expect, from a company rated four power circles (better than most) or 5 power circles (among the best) for overall satisfaction, if it received the lowest rating of two power circles for important factors measuring its rates, customer interaction, or claims service.
I’ll show you the Farmers factor ratings from the latest JD Power studies, but even more important than factor ratings is the company’s point score in each study.
I’ve been writing auto & homeowners insurance company reviews & evaluating each company’s performance in the annual JD Power customer & claims satisfaction studies for more than five years now, looking at each insurance company’s JD Power study scores over time and comparing them to competing companies. Knowing each company’s actual score, instead of just its JD Power ratings for overall satisfaction, is important to see if a company is really performing better or worse than other companies.
Here are two examples of why point scores matter:
In the New England region of the 2015 JD Power U.S. Auto Insurance Customer Satisfaction Study, Allstate & Safeco both rated three power circles (about average) for overall auto insurance customer satisfaction, but Allstate scored 22 points (2.2%) higher than Safeco, showing Allstate provides a higher level of satisfaction than Safeco, in spite of Allstate & Safeco having the same JD Power rating.
In the North Central region of the 2015 JD Power U.S. Auto Insurance Customer Satisfaction Study, Erie scored only 2 points (on a 1,000 point scale) higher than Progressive, but Erie received a four power circle rating for overall auto insurance customer satisfaction, and Progressive rated lower at three power circles (about average) for overall auto insurance customer satisfaction, even though Progressive & Erie scored close enough to show they provide about the same level of auto insurance customer satisfaction. Erie also scored only 3 points higher than Farmers.
In an industry like insurance, where customer dissatisfaction is common, a company scoring 1% or more above the average or a competitor is more likely to provide better service, but there is little difference among companies scoring within a few points of each other, no matter their overall satisfaction rating from JD Power.
A higher scoring insurance company, about 1% (10 points) or more above the study average, in the most recent JD Power insurance studies is a good sign, but you also want to look at the study scores over the last few years, to see if the company consistently scores well over time, to indicate whether you can expect the same level of customer & claims satisfaction now. A long history of high or low scores each year means an insurance company’s level of customer &/or claims satisfaction is more reliably good or bad.
In this review, I’ll provide the data, but I’ll also analyze the scores for Farmers compared to other leading insurance companies & the industry average, so it will be easy for you to see if Farmers is performing average, better than average, or worse than average, and which companies perform better or worse than Farmers.
Ignoring a few outlying performers, most companies score in a range from 75% to 85% in JD Power insurance studies each year. So, with the exception of a few consistently good and a few consistently poor performing companies, most companies do not differ with a great deal of significance, in the level of auto or homeowners claims & customer satisfaction they provide. This is why it’s important to shop with all auto & homeowners insurance companies available to you, for the coverage meeting your needs. If you shop with enough companies, you will see some companies charge twice as much as others for the same level of coverage.
Since price is a consideration in many of the JD Power insurance studies, it may mean a higher scoring company has a competitive rate for you. But if a company scoring slightly below average saves you hundreds of dollars each year, for the same level of coverage as higher scoring companies, it may not be worth it to pay a lot more for a company scoring only 2-3% higher in customer or claims satisfaction.
For a quick comparison of Farmers to other companies, this review on my website here, allows you to see at a glance if Farmers consistently performs better than average, average, or worse than average for customer service, claims, and pricing, and compares Farmers to over 40 other U.S. auto & home insurance companies.
If you find this review or my other reviews useful, please like them on Facebook & share the link to my reviews or my site with your friends & family through social media. Bookmark this page for updates, as new JD Power studies are published each year.
Farmers JD Power Auto & Homeowners Insurance Ratings for 2012, 2013, 2014, 2015, & 2016
I’ll compare the numerical scores (instead of the power circle rating) for Farmers auto and homeowners insurance, to the industry average and the scores of competing insurance companies, for each JD Power insurance study (2012-2016) where it was rated. Farmers was included in the following annual JD Power insurance studies:
1. The Annual JD Power Auto Insurance Customer Satisfaction Study
2. The Annual JD Power Auto Insurance Claims Satisfaction Study
3. The Annual JD Power Auto Insurance Purchasing Experience Study
4. The Annual JD Power Homeowners Insurance Customer Satisfaction Study
5. The Annual JD Power Property (Home) Insurance Claims Satisfaction Study
6. JD Power 2012-2015 Auto & Home Insurance Studies Summary for Farmers
You can scroll down to read my analysis or summaries of the studies most interesting to you.
1. The Annual JD Power Auto Insurance Customer Satisfaction Study
Farmers is usually rated in seven of the eleven regional studies composing the annual JD Power US Auto Insurance Customer Satisfaction Study. If your state is not included in any of the regional ratings below, the results for Farmers in the nearest region may still be a good proxy for how Farmers performs in your state.
California Region (State of CA only)
2015: Farmers scored 10 points (on a 1,000 point scale) or 1% below the 2015 California region average, at 793 out of 1,000 points.
Here is how Farmers rated in the California region for the five factors used to determine its overall auto insurance customer satisfaction score in 2015:
Policy Offerings: Three Power Circles (about average)
Price: Two Power Circles (lowest rating)
Billing & Payment: Three Power Circles (about average)
Interaction: Three Power Circles (about average)
Claims: Three Power Circles (about average)
Overall Customer Satisfaction: Three Power Circles (about average)
Allstate and CSAA scored about the same (within 3 points) as Farmers in the 2015 California Region study.
These companies scored 1% or more higher than Farmers in the 2015 California Region study (from highest scoring company to lowest scoring company): USAA, Wawanesa, Hartford, Auto Club of Southern California, Ameriprise, State Farm, Esurance, GEICO, and Progressive.
These companies scored .6% or more lower than Farmers in the 2015 California Region study (from highest scoring company to lowest scoring company): Safeco, Nationwide, Liberty Mutual, 21st Century, Mercury, Travelers, & Infinity.
2014: Farmers scored 23 points (on a 1,000 point scale) or 2.3% below the 2014 California region average, at 772 out of 1,000 points.
Here is how Farmers rated in the California region for the five factors used to determine its overall auto insurance customer satisfaction score in 2014:
Policy Offerings: Two Power Circles (lowest rating)
Price: Two Power Circles (lowest rating)
Billing & Payment: Two Power Circles (lowest rating)
Interaction: Three Power Circles (about average)
Claims: Two Power Circles (lowest rating)
Overall Customer Satisfaction: Two Power Circles (lowest rating)
These companies scored 1% or more higher than Farmers in the 2014 California Region study: USAA, Wawanesa, Ameriprise, Auto Club of Southern California, The Hartford, State Farm, GEICO, Allstate, Mercury, Liberty Mutual, and Progressive.
These companies scored .7% lower than Farmers in the 2014 California Region study: Travelers.
2013: Farmers scored 40 points (on a 1,000 point scale) or 4% below the 2013 California region average, at 737 out of 1,000 points.
These companies scored 4.3% or more higher than Farmers in the 2013 California Region study: USAA, Wawanesa, State Farm, The Hartford, Auto Club of Southern California, GEICO, Ameriprise, Safeco, Progressive, CSAA/AAA NCNU, Allstate, and Liberty Mutual.
These companies scored 5.3% lower than Farmers in the 2013 California Region study: Infinity P&C.
2012: Farmers scored 31 points (on a 1,000 point scale) or 3.1% below the 2012 California region average, at 754 out of 1,000 points.
These companies scored 1.6% or more higher than Farmers in the 2012 California Region study: USAA, Wawanesa, Auto Club of Southern California, State Farm, GEICO, The Hartford, Ameriprise, Safeco, Mercury, CSAA/AAA NCNU, Progressive, and Liberty Mutual.
These companies scored 4.9% lower than Farmers in the 2012 California Region study: Infinity P&C.
California Region Auto Insurance Satisfaction Summary: Farmers scored 3.1%, 4%, 2.3%, and 1% below the region average each year in the 2012, 2013, 2014, & 2015 studies respectively, showing a strong trend of below average auto insurance customer satisfaction in California.
Texas Region (State of TX only)
2015: Farmers scored 21 points (on a 1,000 point scale) or 2.1% below the 2015 Texas region average, at 811 out of 1,000 points.
Here is how Farmers rated in the Texas Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2015:
Policy Offerings: Two Power Circles (lowest rating)
Price: Two Power Circles (lowest rating)
Billing & Payment: Two Power Circles (lowest rating)
Interaction: Two Power Circles (lowest rating)
Claims: Two Power Circles (lowest rating)
Overall Customer Satisfaction: Two Power Circles (lowest rating)
These companies scored 1.1% or more higher than Farmers in the 2015 Texas Region study (from highest scoring company to lowest scoring company): USAA, Texas Farm Bureau, State Farm, Progressive, and GEICO.
These companies scored .6% or more lower than Farmers in the 2015 Texas Region study (from highest scoring company to lowest scoring company): Allstate, Nationwide, and Liberty Mutual.
2014: Farmers scored 17 points (on a 1,000 point scale) or 1.7% below the 2014 Texas region average, at 803 out of 1,000 points.
Here is how Farmers rated in the Texas Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2014:
Policy Offerings: Two Power Circles (lowest rating)
Price: Two Power Circles (lowest rating)
Billing & Payment: Two Power Circles (lowest rating)
Interaction: Three Power Circles (about average)
Claims: Three Power Circles (about average)
Overall Customer Satisfaction: Two Power Circles (lowest rating)
These companies scored 1% or more higher than Farmers in the 2014 Texas Region study: USAA, Texas Farm Bureau, Allstate, State Farm, GEICO, and Progressive.
These companies scored 1.3% lower than Farmers in the 2014 Texas Region study: Liberty Mutual.
2013: Farmers scored 29 points (on a 1,000 point scale) or 2.9% below the 2013 Texas region average, at 768 out of 1,000 points.
These companies scored 2.8% or more higher than Farmers in the 2013 Texas Region study: USAA, Texas Farm Bureau, GEICO, State Farm, Allstate, Liberty Mutual, Progressive, and Nationwide.
These companies scored lower than Farmers in the 2013 Texas Region study: None.
2012: Texas did not have its own regional study, and was included in the Central region study in 2012 (see below).
Texas Region Auto Insurance Satisfaction Summary: Farmers scored 2.9%, 1.7%, and 2.1% below the region average each year in the 2013, 2014, & 2015 studies respectively, showing a trend of below average auto insurance customer satisfaction in Texas.
Central Region (AR, IA, KS, MN, MO, NE, ND, OK, SD) (including TX in 2012 study only)
2015: Farmers scored 1 point (on a 1,000 point scale) or .1% below the 2015 Central region average, at 819 out of 1,000 points.
Here is how Farmers rated in the Central Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2015:
Policy Offerings: Three Power Circles (about average)
Price: Two Power Circles (lowest rating)
Billing & Payment: Three Power Circles (about average)
Interaction: Three Power Circles (about average)
Claims: Three Power Circles (about average)
Overall Customer Satisfaction: Three Power Circles (about average)
American Family, Allstate, GEICO, Hartford, and Safeco scored about the same (within 3 points) as Farmers in the 2015 Central Region study.
These companies scored 1.1% or more higher than Farmers in the 2015 Central Region study (from highest scoring company to lowest scoring company): USAA, Auto-Owners, Shelter, and State Farm.
These companies scored .5% or more lower than Farmers in the 2015 Central Region study (from highest scoring company to lowest scoring company): Auto Club of Southern California, Progressive, Farm Bureau Mutual, Liberty Mutual, Nationwide, and Travelers.
2014: Farmers scored 24 points (on a 1,000 point scale) or 2.4% below the 2014 Central region average, at 796 out of 1,000 points.
Here is how Farmers rated in the Central Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2014:
Policy Offerings: Two Power Circles (lowest rating)
Price: Two Power Circles (lowest rating)
Billing & Payment: Two Power Circles (lowest rating)
Interaction: Two Power Circles (lowest rating)
Claims: Three Power Circles (about average)
Overall Customer Satisfaction: Two Power Circles (lowest rating)
These companies scored 1.4% or more higher than Farmers in the 2014 Central Region study: USAA, Auto-Owners, Shelter, State Farm, GEICO, Farm Bureau Mutual, American Family, Safeco, The Hartford, and Allstate.
These companies scored .7% or more lower than Farmers in the 2014 Central Region study: Nationwide and Progressive.
2013: Farmers scored 16 points (on a 1,000 point scale) or 1.6% below the 2013 Central region average, at 785 out of 1,000 points.
These companies scored 2.1% or more higher than Farmers in the 2013 Central Region study: USAA, State Farm, Auto-Owners, Shelter, American Family, The Hartford, Farm Bureau Mutual, and GEICO.
These companies scored .2% or more lower than Farmers in the 2013 Central Region study: Progressive, Liberty Mutual, and Nationwide.
2012: Farmers scored 24 points (on a 1,000 point scale) or 2.4% below the 2012 Central region average, at 787 out of 1,000 points.
These companies scored 2.7% or more higher than Farmers in the 2012 Central Region study: USAA, Texas Farm Bureau, State Farm, GEICO, American Family, and Shelter.
These companies scored .7% or more lower than Farmers in the 2012 Central Region study: Travelers, Farm Bureau Mutual, and Liberty Mutual.
Central Region Auto Insurance Satisfaction Summary: Farmers scored 2.4%, 1.6%, 2.4%, and .1% below the region average each year in the 2012, 2013, 2014, & 2015 studies respectively, showing below average auto insurance customer satisfaction in three of the last four years, but about average satisfaction in 2015, in the central region states of AR, IA, KS, MN, MO, NE, ND, OK, and SD.
North Central Region (IL, IN, MI, OH, WI)
2015: Farmers scored 4 points (on a 1,000 point scale) or .4% above the 2015 North Central region average, at 812 out of 1,000 points.
Here is how Farmers rated in the North Central Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2015:
Policy Offerings: Three Power Circles (about average)
Price: Three Power Circles (about average)
Billing & Payment: Three Power Circles (about average)
Interaction: Four Power Circles (better than most)
Claims: Three Power Circles (about average)
Overall Customer Satisfaction: Three Power Circles (about average)
State Farm, Erie, Progressive, and GEICO scored about the same (within 4 points) as Farmers in the 2015 North Central Region study.
These companies scored .7% or more higher than Farmers in the 2015 North Central Region study (from highest scoring company to lowest scoring company): USAA, Auto-Owners, Nationwide, COUNTRY Financial, Indiana Farm Bureau, Hartford, and American Family.
These companies scored .6% or more lower than Farmers in the 2015 North Central Region study (from highest scoring company to lowest scoring company): Allstate, Grange, Liberty Mutual, Metlife, Michigan Farm Bureau, Automobile Club Group (AAA), Hanover, and Safeco.
2014: Farmers scored 22 points (on a 1,000 point scale) or 2.2% below the 2014 North Central region average, at 794 out of 1,000 points.
Here is how Farmers rated in the North Central Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2014:
Policy Offerings: Two Power Circles (lowest rating)
Price: Two Power Circles (lowest rating)
Billing & Payment: Two Power Circles (lowest rating)
Interaction: Three Power Circles (about average)
Claims: Two Power Circles (lowest rating)
Overall Customer Satisfaction: Two Power Circles (lowest rating)
These companies scored 1.3% or more higher than Farmers in the 2014 North Central Region study: USAA, Auto-Owners, State Farm, Grange, Erie, Country, The Hartford, American Family, GEICO, Michigan Farm Bureau, Nationwide, Progressive, and Liberty Mutual.
These companies scored .4% or more lower than Farmers in the 2014 North Central Region study: Automobile Club, The Hanover, and Metlife.
2013: Farmers scored 14 points (on a 1,000 point scale) or 1.4% below the 2013 North Central region average, at 783 out of 1,000 points.
These companies scored 2% or more higher than Farmers in the 2013 North Central Region study: USAA, Auto-Owners, State Farm, Erie, Michigan Farm Bureau, and The Hartford.
These companies scored .8% or more lower than Farmers in the 2013 North Central Region study: Auto Club and The Hanover.
2012: Farmers scored 40 points (on a 1,000 point scale) or 4% below the 2012 North Central region average, at 764 out of 1,000 points.
These companies scored 1.3% or more higher than Farmers in the 2012 North Central Region study: USAA, Auto-Owners, State Farm, Erie, Country, Grange, GEICO, Liberty Mutual, Allstate, Progressive, American Family, The Hanover, Auto Club, Michigan Farm Bureau, Nationwide, and The Hartford.
These companies scored lower than Farmers in the 2012 North Central Region study: None.
North Central Region Auto Insurance Satisfaction Summary: Farmers scored 4% below, 1.4% below, 2.2% below, and .4% above the north central region average each year in the 2012, 2013, 2014, & 2015 studies respectively, and in spite of improving scores, shows below average auto insurance customer satisfaction in two of the last four years for the north central region states of IL, IN, MI, OH, and WI.
Northwest Region (ID, MT, OR, WA, WY), which was part of the West Region in the 2012 study covering AZ, CO, ID, MT, NV, NM, OR, UT, WA, & WY.
2015: Farmers scored 11 points (on a 1,000 point scale) or 1.1% above the 2015 Northwest region average, at 828 out of 1,000 points.
Here is how Farmers rated in the Northwest Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2015:
Policy Offerings: Five Power Circles (among the best)
Price: Three Power Circles (about average)
Billing & Payment: Three Power Circles (about average)
Interaction: Five Power Circles (among the best)
Claims: Three Power Circles (about average)
Overall Customer Satisfaction: Four Power Circles (better than most)
State Farm scored about the same (within 2 points) as Farmers in the 2015 Northwest Region study.
These companies scored .9% or more higher than Farmers in the 2015 Northwest Region study (from highest scoring company to lowest scoring company): USAA and Pemco.
These companies scored .6% or more lower than Farmers in the 2015 Northwest Region study (from highest scoring company to lowest scoring company): GEICO, Hartford, American Family, Allstate, Safeco, Progressive, Nationwide, and Liberty Mutual.
2014: Farmers scored 15 points (on a 1,000 point scale) or 1.5% below the 2014 Northwest region average, at 797 out of 1,000 points.
Here is how Farmers rated in the Northwest Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2014:
Policy Offerings: Two Power Circles (lowest rating)
Price: Two Power Circles (lowest rating)
Billing & Payment: Two Power Circles (lowest rating)
Interaction: Three Power Circles (about average)
Claims: Two Power Circles (lowest rating)
Overall Customer Satisfaction: Two Power Circles (lowest rating)
These companies scored 1.1% or more higher than Farmers in the 2014 Northwest Region study: USAA, PEMCO, The Hartford, State Farm, Mutual of Enumclaw, American Family, and Safeco.
These companies scored .3% or more lower than Farmers in the 2014 Northwest Region study: Progressive, Allstate, and Liberty Mutual.
2013: Farmers scored 23 points (on a 1,000 point scale) or 2.3% below the 2013 Northwest region average, at 769 out of 1,000 points.
These companies scored 1.1% or more higher than Farmers in the 2013 Northwest Region study: USAA, PEMCO, The Hartford, State Farm, Mutual of Enumclaw, American Family, Progressive, Liberty Mutual, Allstate, GEICO, and Nationwide.
These companies scored lower than Farmers in the 2013 Northwest Region study: None.
2012: Farmers scored 23 points (on a 1,000 point scale) or 2.3% below the 2012 West region average, at 787 out of 1,000 points.
These companies scored 1% or more higher than Farmers in the 2012 West Region study: USAA, State Farm, GEICO, American Family, The Hartford, Progressive, and Allstate.
These companies scored .1% or more lower than Farmers in the 2012 West Region study: Safeco, Liberty Mutual, and Nationwide.
Northwest Region Auto Insurance Satisfaction Summary: Farmers scored 2.3% below, 2.3% below, 1.5% below, and 1.1% above the region average each year in the 2012, 2013, 2014, & 2015 studies respectively, showing below average auto insurance customer satisfaction in three of the last four years, but above average satisfaction in 2015, for the Northwest region states of ID, MT, OR, WA, and WY. Until Farmers scores consistently above average each year, I would not expect above average auto insurance customer satisfaction from Farmers, based on its improvement in 2015.
Southwest Region (AZ, CO, NV, NM, UT), which was part of the West Region in the 2012 study covering AZ, CO, ID, MT, NV, NM, OR, UT, WA, & WY.
2015: Farmers scored 27 points (on a 1,000 point scale) or 2.7% below the 2015 Southwest region average, at 797 out of 1,000 points. Farmers tied with Safeco for the lowest score in this study.
Here is how Farmers rated in the Southwest Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2015:
Policy Offerings: Two Power Circles (lowest rating)
Price: Two Power Circles (lowest rating)
Billing & Payment: Two Power Circles (lowest rating)
Interaction: Two Power Circles (lowest rating)
Claims: Three Power Circles (about average)
Overall Customer Satisfaction: Two Power Circles (lowest rating)
Safeco scored the same as Farmers in the 2015 Southwest Region study.
These companies scored .6% or more higher than Farmers in the 2015 Southwest Region study (from highest scoring company to lowest scoring company): USAA, Hartford, State Farm, Liberty Mutual, American Family, GEICO, Progressive, CSAA (AAA), and Allstate.
These companies scored lower than Farmers in the 2015 Southwest Region study (from highest scoring company to lowest scoring company): None.
2014: Farmers scored 12 points (on a 1,000 point scale) or 1.2% below the 2014 Southwest region average, at 805 out of 1,000 points.
Here is how Farmers rated in the Southwest Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2014:
Policy Offerings: Two Power Circles (lowest rating)
Price: Two Power Circles (lowest rating)
Billing & Payment: Two Power Circles (lowest rating)
Interaction: Three Power Circles (about average)
Claims: Three Power Circles (about average)
Overall Customer Satisfaction: Two Power Circles (lowest rating)
These companies scored 1.1% or more higher than Farmers in the 2014 Southwest Region study: USAA, State Farm, Liberty Mutual, The Hartford, and GEICO.
These companies scored .4% or more lower than Farmers in the 2014 Southwest Region study: Allstate, Progressive, CSAA/AAA NCNU, and Safeco.
2013: Farmers scored 32 points (on a 1,000 point scale) or 3.2% below the 2013 Southwest region average, at 773 out of 1,000 points.
These companies scored 1.5% or more higher than Farmers in the 2013 Southwest Region study: USAA, State Farm, The Hartford, GEICO, American Family, Liberty Mutual, Allstate, and CSAA/AAA NCNU.
These companies scored lower than Farmers in the 2013 Southwest Region study: None.
2012: Farmers scored 23 points (on a 1,000 point scale) or 2.3% below the 2012 West region average, at 787 out of 1,000 points.
These companies scored 1% or more higher than Farmers in the 2012 West Region study: USAA, State Farm, GEICO, American Family, The Hartford, Progressive, and Allstate.
These companies scored .1% or more lower than Farmers in the 2012 West Region study: Safeco, Liberty Mutual, and Nationwide.
Southwest Region Auto Insurance Satisfaction Summary: Farmers scored 2.3%, 3.2%, 1.2%, and 2.7% below the region average each year in the 2012, 2013, 2014, & 2015 studies respectively, showing a strong trend of below average auto insurance customer satisfaction in the Southwest region states of AZ, CO, NV, NM, and UT.
Southeast Region (AL, GA, KY, LA, MS, NC, SC, TN), including FL in the 2012 study only.
2015: Farmers was not included in the 2015 Southeast region study.
2014: Farmers was not included in the 2014 Southeast region study.
2013: Farmers was not included in the 2013 Southeast region study.
2012: Farmers scored 25 points (on a 1,000 point scale) or 2.5% below the 2012 Southeast region average, at 789 out of 1,000 points.
These companies scored 1.3% or more higher than Farmers in the 2012 Southeast Region study: USAA, Tennessee Farm Bureau, North Carolina Farm Bureau, State Farm, GEICO, Kentucky Farm Bureau, Allstate, and Auto-Owners.
These companies scored 1.5% or more lower than Farmers in the 2012 Southeast Region study: 21st Century, Safeco, and Direct General.
Southeast Region Auto Insurance Satisfaction Summary: Farmers scored 2.5% below the region average in 2012, but was not rated in the SE region in 2013 & 2014. Given Farmers consistent below average performance in all regions where Farmers has been rated in 2012, 2013, & 2014, I’d expect Farmers to provide below average auto insurance customer satisfaction in the Southeast region states of AL, GA, KY, LA, MS, NC, SC, and TN.
2. The Annual JD Power Auto Insurance Claims Satisfaction Study
2015: Farmers scored 2 points (on a 1,000 point scale) or .2% above the 2015 US auto claims satisfaction study average, at 859 out of 1,000 points.
Here is how Farmers rated in the six factors used to determine its overall auto insurance claims satisfaction score in 2015:
First Notice of Loss: Three Power Circles (about average)
Service Interaction: Four Power Circles (better than most)
Appraisal: Three Power Circles (about average)
Repair Process: Three Power Circles (about average)
Rental Car Experience: Three Power Circles (about average)
Settlement: Three Power Circles (about average)
Overall Auto Claims Satisfaction: Three Power Circles (about average)
These insurance companies scored the same or about the same (from three points above to one point below) as Farmers in the 2015 US Auto Claims Satisfaction study (listed in order from highest scoring company to lowest scoring company): Erie, Allstate, American Family, Farmers, Safeco, and State Farm.
These insurance companies scored .7% or more higher than Farmers in the 2015 US Auto Claims Satisfaction study (listed in order from highest scoring company to lowest scoring company): New Jersey Manufacturers, Auto Owners, USAA, Amica, Auto Club of Southern California, Hartford, and Nationwide.
These insurance companies scored .5% or more lower than Farmers in the 2015 US Auto Claims Satisfaction study (listed in order from highest scoring company to lowest scoring company): GEICO, Liberty Mutual, Progressive, Country Financial, Mercury, Travelers, CSAA Insurance Group, 21st Century, Hanover, Metlife, Automobile Club Group, Esurance, and MAPFRE-Commerce Insurance.
2014: Farmers scored 16 points (on a 1,000 point scale) or 1.6% below the 2014 JD Power Auto Claims Satisfaction study average, at 841 out of 1,000 points.
Here is how Farmers rated in the six factors used to determine its overall auto insurance claims satisfaction score in 2014:
First Notice of Loss: Three Power Circles (about average)
Service Interaction: Three Power Circles (about average)
Appraisal: Two Power Circles (lowest rating)
Repair Process: Three Power Circles (about average)
Rental Car Experience: Two Power Circles (lowest rating)
Settlement: Three Power Circles (about average)
Overall Auto Claims Satisfaction: Three Power Circles (about average)
These companies scored .8% or more higher than Farmers in the 2014 JD Power Auto Claims Satisfaction study: Amica, USAA, Auto-Owners, State Farm, American Family, Auto Club of Southern California, The Hartford, NJ Manufacturers, Erie, Travelers, Mercury, GEICO, Nationwide, Country, Safeco, and Allstate.
These companies scored .8% or more lower than Farmers in the 2014 JD Power Auto Claims Satisfaction study: Auto Club, CSAA/AAA NCNU, 21st Century, Liberty Mutual, Esurance, and MAPFRE-Commerce.
2013: Farmers scored 28 points (on a 1,000 point scale) or 2.8% below the 2013 JD Power Auto Claims Satisfaction study average, at 827 out of 1,000 points.
These companies scored 1.3% or more higher than Farmers in the 2013 JD Power Auto Claims Satisfaction study: USAA, NJ Manufacturers, Auto Club of Southern California, Auto-Owners, The Hartford, Erie, Amica, Travelers, State Farm, American Family, Nationwide, The Hanover, Safeco, Allstate, Mercury, GEICO, Auto Club, Liberty Mutual, CSAA/AAA NCNU, Progressive, and Metlife.
These companies scored .7% or more lower than Farmers in the 2013 JD Power Auto Claims Satisfaction study: 21st Century and Esurance.
2012: Farmers scored 14 points (on a 1,000 point scale) or 1.4% below the 2012 JD Power Auto Claims Satisfaction study average, at 838 out of 1,000 points.
These companies scored .9% or more higher than Farmers in the 2012 JD Power Auto Claims Satisfaction study: NJ Manufacturers, USAA, Auto-Owners, Amica, Erie, Automobile Club of Southern California, Country, American Family, The Hartford, State Farm, Allstate, Travelers, CSAA/AAA NCNU, Nationwide, and GMAC (Now called National General).
These companies scored 1.4% or more lower than Farmers in the 2012 JD Power Auto Claims Satisfaction study: Mercury, 21st Century, Encompass, Esurance, and Commerce (MAPFRE).
Auto Insurance Claims Satisfaction Summary: Farmers scored 1.4% below, 2.8% below, 1.6% below, and .2% above the national average each year in the 2012, 2013, 2014, & 2015 studies respectively, showing a strong trend of below average satisfaction in the national JD Power Auto Claims Satisfaction study until 2015, when its score increased 1.8% over 2014, improving to about average. I hope Farmers has improved its service, but I’d wait to see how the company performs in the future before expecting average auto claims satisfaction.
3. The Annual JD Power Auto Insurance Purchase Experience Study
In my opinion, the JD Power Auto Insurance Purchase Experience Study is the least important JD Power study for choosing a car insurance company. A car insurance company with terrible claims handling and customer service, but knowing it has an easy purchasing experience, is of little value. Buying auto insurance with most companies is easier than ever in 2016, and even before technology simplified things, the ease & accuracy of the sales process always depended more on the experience and customer focus of the agent quoting you, not the choice of insurance company.
However, this study is useful as a sign of competitive pricing, since a company’s score is a reflection of the satisfaction of auto insurance shoppers with the prices they were quoted by the insurance company. This study considers and rates three categories: price, distribution channel (Website, Local Agent, Call Center Representative), and policy offerings, to determine a company’s numerical score for overall satisfaction in the purchasing experience.
2016: Farmers scored three points (on a 1,000 point scale) or .3% below the 2016 JD Power Auto Insurance Purchase Experience study average, at 823 out of 1,000 points.
The 2016 U.S. Insurance Shopping Study was based on responses from more than 17,000 shoppers who requested an auto insurance price quote from at least one competitive insurer in the past 9 months and includes more than 50,000 unique customer evaluations of insurers. The study was fielded in April, July & October 2015, and January 2016.
Here is how Farmers rated in the factors used to determine its overall satisfaction score for the auto insurance purchase experience in 2016:
Pricing: Three Power Circles (about average)
Website: Two Power Circles (lowest rating)
Local Agent: Three Power Circles (about average)
Call Center Representative: Not rated
Policy Offerings: Three Power Circles (about average)
Overall Auto Insurance Purchase Satisfaction: Three Power Circles (about average)
These companies rated better than average for lower auto insurance rates in the 2016 JD Power Auto Insurance Purchase Experience study: USAA, Erie, Liberty Mutual, The Hartford, American Family, Automobile Club Group, Travelers, Ameriprise, CSAA Insurance Group, and Mercury.
These companies rated worse than average for lower auto insurance rates in the 2016 JD Power Auto Insurance Purchase Experience study: Progressive, Allstate, 21st Century, and MetLife.
2015: Farmers scored 2 points (on a 1,000 point scale) or .2% below the 2015 JD Power Auto Insurance Purchase Experience study average, at 831 out of 1,000 points.
Here is how Farmers rated in the factors used to determine its overall satisfaction score for the auto insurance purchase experience in 2015:
Pricing: Three Power Circles (about average)
Website: Not rated.
Local Agent: Three Power Circles (about average)
Call Center Representative: Not rated.
Policy Offerings: Three Power Circles (about average)
Overall Auto Insurance Purchase Satisfaction: Three Power Circles (about average)
These companies rated better than average for lower auto insurance rates in the 2015 JD Power Auto Insurance Purchase Experience study: USAA, Erie, Ameriprise (available through Costco), The Hartford, California State Auto Association, Amica Mutual, Liberty Mutual, Auto Club Group, Travelers, & GEICO.
These companies rated worse than average for lower auto insurance rates in the 2015 JD Power Auto Insurance Purchase Experience study: Progressive, Allied, & Mercury.
2014: Farmers scored 14 points (on a 1,000 point scale) or 1.4% below the 2014 JD Power Auto Insurance Purchase Experience study average, at 807 out of 1,000 points.
Here is how Farmers rated in the factors used to determine its overall satisfaction score for the auto insurance purchase experience in 2014:
Pricing: Two Power Circles (lowest rating)
Website: Not rated.
Local Agent: Three Power Circles (about average)
Call Center Representative: Not rated.
Policy Offerings: Two Power Circles (lowest rating)
Overall Auto Insurance Purchase Satisfaction: Two Power Circles (lowest rating)
These companies rated better than average for lower auto insurance rates in the 2014 JD Power Auto Insurance Purchase Experience study: Ameriprise (available through Costco), USAA, State Farm, The Hartford, Metlife, Liberty Mutual, GEICO, Esurance, and Erie Insurance.
JD Power Auto Insurance Purchase Experience Summary: Farmers auto insurance rates may be more competitive now, as auto insurance shoppers in 2015 & 2016 rated Farmers about average for auto insurance pricing, up from below average for auto insurance pricing in 2014. However, in 2016, getting auto insurance quotes from Farmers website received the lowest rating, so it’s better to contact a Farmers agent for a quote.
Don’t rely on how Farmers performed in this auto insurance shopping study to tell you if Farmers has about average auto insurance rates for you. The only way to really know if you are getting a good price or you are paying too much for your auto insurance is to check the rates of all the auto insurance companies providing coverage in your state.
The opinions of people in a survey about the auto insurance rates they were quoted, are not reliable for knowing the company with the best price for you, because so many individual rating factors specific to you are used to determine your insurance rates. A company with a low rate for one person (or even many people) may not have a low rate for you, and vice versa, companies with a reputation for high auto insurance rates may have the best rate for you.
Nine out of ten people contacting an auto insurance company for a price quote may find higher rates than they pay now, but if this is the company saving you a lot of money on your auto insurance coverage, who cares what those 10 out of 11 people think? Even a company receiving the lowest rating of two power circles in the Pricing category in the Auto Insurance Purchase Satisfaction Study, should not stop anyone from seeing what price that auto insurance company can offer them.
4. The Annual JD Power Homeowners Insurance Customer Satisfaction Study
2015: Farmers scored 8 points (on a 1,000 point scale) or .8% below the 2015 JD Power Homeowners Insurance Customer Satisfaction study average, at 779 out of 1,000 points.
Here is how Farmers rated in the five factors used to determine its overall homeowners insurance customer satisfaction score in 2015:
Policy Offerings: Three Power Circles (about average)
Price: Three Power Circles (about average)
Billing & Payment: Three Power Circles (about average)
Contacting the Insurer: Three Power Circles (about average)
Claims: Three Power Circles (about average)
Overall Homeowners Insurance Satisfaction: Three Power Circles (about average)
Encompass scored about the same (one point below) as Farmers in the 2015 JD Power Homeowners Insurance Customer Satisfaction study.
These companies scored .4% or more higher than Farmers in the 2015 JD Power Homeowners Insurance Customer Satisfaction study (from highest scoring company to lowest scoring company): USAA, Amica, Auto-Owners, Erie, Auto Club of Southern California, GEICO, American Family, COUNTRY Financial, Shelter, State Farm, Nationwide, Allstate, California State Auto Association (CSAA), Hartford, Chubb, Progressive, Cincinnati, and Mercury.
These companies scored .5% or more lower than Farmers in the 2015 JD Power Homeowners Insurance Customer Satisfaction study (from highest scoring company to lowest scoring company): Automobile Club Group, Metlife, Kemper, Liberty Mutual, Safeco, Travelers, and Hanover.
2014: Farmers scored 18 points (on a 1,000 point scale) or 1.8% below the 2014 JD Power Homeowners Insurance Customer Satisfaction study average, at 772 out of 1,000 points.
Here is how Farmers rated in the five factors used to determine its overall homeowners insurance customer satisfaction score in 2014:
Policy Offerings: Three Power Circles (about average)
Price: Three Power Circles (about average)
Billing & Payment: Three Power Circles (about average)
Interaction: Three Power Circles (about average)
Claims: Two Power Circles (lowest rating)
Overall Homeowners Insurance Satisfaction: Three Power Circles (about average)
These companies scored 1.6% or more higher than Farmers in the 2014 JD Power Homeowners Insurance Customer Satisfaction study: USAA, Amica, Auto-Owners, State Farm, Erie, American Family, Auto Club of Southern California, The Hartford, Country, Mercury, Allstate, CSAA/AAA NCNU, and GEICO.
These companies scored .5% or more lower than Farmers in the 2014 JD Power Homeowners Insurance Customer Satisfaction study: Liberty Mutual, Travelers, Auto Club, Progressive, and The Hanover.
2013: Farmers scored 24 points (on a 1,000 point scale) or 2.4% below the 2013 JD Power Homeowners Insurance Customer Satisfaction study average, at 763 out of 1,000 points.
These companies scored 2.3% or more higher than Farmers in the 2013 JD Power Homeowners Insurance Customer Satisfaction study: USAA, Amica, State Farm, Auto-Owners, Erie, Automobile Club of Southern California, Encompass, American Family, Progressive, Country, Allstate, GEICO, The Hartford, and CSAA/AAA NCNU.
These companies scored .1% or more lower than Farmers in the 2013 JD Power Homeowners Insurance Customer Satisfaction study: Liberty Mutual and Travelers.
2012: Farmers scored 25 points (on a 1,000 point scale) or 2.5% below the 2012 JD Power Homeowners Insurance Customer Satisfaction study average, at 760 out of 1,000 points.
These companies scored 2.6% or more higher than Farmers in the 2012 JD Power Homeowners Insurance Customer Satisfaction study: USAA, Amica, Auto Club of Southern California, Erie, American Family, Shelter, Cincinnati Insurance, State Farm, Nationwide, Auto-Owners, Chubb, Country, Encompass, The Hartford, and Safeco.
These companies scored .8% lower than Farmers in the 2012 JD Power Homeowners Insurance Customer Satisfaction study: Travelers.
Homeowners Insurance Customer Satisfaction Summary: Farmers scored 2.5%, 2.4%, 1.8%, and .8% below the national average each year in the 2012, 2013, 2014 & 2015 studies respectively, and in spite of improving scores, shows a trend of below average satisfaction in the national JD Power Homeowners Insurance Customer Satisfaction study from 2012 to 2015.
5. The Annual JD Power Property Claims Satisfaction Study
2016: Farmers scored 3 points (on a 1,000 point scale) or .3% above the 2016 US Property Claims Satisfaction study average, at 849 out of 1,000 points. The 2016 Property Claims Satisfaction Study is based on more than 5,700 responses from homeowners insurance customers who filed a property claim between January 2014 & December 2015.
Here is how Farmers rated in the five factors used to determine its overall property claims satisfaction score in 2016:
First Notice of Loss: Three Power Circles (about average)
Service Interaction: Four Power Circles (better than most)
Estimation Process: Three Power Circles (about average)
Repair Process: Three Power Circles (about average)
Settlement: Three Power Circles (about average)
Overall Property Claims Satisfaction: Three Power Circles (about average)
The companies scored about the same (from 8 points (.8%) above to 6 points (.6%) below) as Farmers in the 2016 US Property Claims Satisfaction study (from highest scoring company to lowest scoring company): Safeco, State Farm, Liberty Mutual, The Hanover, Nationwide, American Family, Chubb, California State Auto Association (CSAA), Allstate, Metlife, Travelers, and Auto-Owners.
These companies scored 1.4% or more higher than Farmers in the 2016 US Property Claims Satisfaction study (from highest scoring company to lowest scoring company): Amica, Auto Club of Southern California, USAA, Country, Encompass, and Erie.
These companies scored .9% or more lower than Farmers in the 2016 US Property Claims Satisfaction study (from highest scoring company to lowest scoring company): Hartford and MAPFRE (Commerce).
2015: Farmers scored 4 points (on a 1,000 point scale) or .4% below the 2015 US Property Claims Satisfaction study average, at 847 out of 1,000 points. The 2015 Property Claims Satisfaction Study was based on more than 6,100 responses from homeowners insurance customers who filed a property claim between January 2013 & December 2014.
Here is how rated in the five factors used to determine its overall property claims satisfaction score in 2015:
First Notice of Loss: Three Power Circles (about average)
Service Interaction: Four Power Circles (better than most)
Estimation Process: Three Power Circles (about average)
Repair Process: Three Power Circles (about average)
Settlement: Three Power Circles (about average)
Overall Property Claims Satisfaction: Three Power Circles (about average)
These companies scored .9% or more higher than Farmers in the 2015 US Property Claims Satisfaction study: USAA, Amica, Nationwide, Country, Erie, Chubb, Travelers, CSAA/AAA NCNU, Encompass, and Allstate.
These companies scored 2.1% or more lower than Farmers in the 2015 US Property Claims Satisfaction study: The Hanover, Auto-Owners, and Auto Club.
2014: Farmers scored 5 points (on a 1,000 point scale) or .5% above the 2014 JD Power Property Claims Satisfaction study average, at 845 out of 1,000 points.
These companies scored .9% or more higher than Farmers in the 2014 JD Power Property Claims Satisfaction study: USAA, Amica, Erie, Nationwide, and Auto-Owners.
These companies scored .9% or more lower than Farmers in the 2014 JD Power Property Claims Satisfaction study: Allstate, State Farm, CHUBB, Travelers, CSAA/AAA NCNU, Auto Club of Southern California, American Family, and Auto Club.
2013: Farmers scored 7 points (on a 1,000 point scale) or .7% below the 2013 JD Power Property Claims Satisfaction study average, at 825 out of 1,000 points.
These companies scored .7% or more higher than Farmers in the 2013 JD Power Property Claims Satisfaction study: Amica, USAA, Chubb, Encompass, Country, The Hartford, Nationwide, Erie, Auto Club of Southern California, Metlife, Auto-Owners, American Family, Liberty Mutual, Allstate, Travelers, and State Farm.
These companies scored .6% or more lower than Farmers in the 2013 JD Power Property Claims Satisfaction study: CSAA/AAA NCNU and Safeco.
2012: Farmers scored 15 points (on a 1,000 point scale) or 1.5% below the 2012 JD Power Property Claims Satisfaction study average, at 818 out of 1,000 points.
These companies scored 1.1% or more higher than Farmers in the 2012 JD Power Property Claims Satisfaction study: USAA, Amica, Auto-Owners, Nationwide, Erie, Chubb, Auto Club of Southern California, Country, State Farm, American Family, CSAA/AAA NCNU, The Hartford, Safeco, Travelers, and Allstate.
These companies scored .6% lower than Farmers in the 2012 JD Power Property Claims Satisfaction study: The Hanover.
Homeowners Insurance Claims Satisfaction Summary: Farmers scored 1.5% below, .7% below, .5% above, .4% below, and .3% above the national average each year in the 2012, 2013, 2014, 2015, & 2016 studies respectively, showing a trend over the last four years of about average satisfaction in the national JD Power Property Claims Satisfaction study. In the important category of Service Interaction, Farmers received the rating of four power circles (better than most) in 2015 & 2016.
6. JD Power 2012-2015 Auto & Home Insurance Studies Summary for Farmers
Below I rate the performance of Farmers for auto insurance customer satisfaction, auto insurance claims satisfaction, homeowners insurance customer satisfaction, & homeowners insurance claims satisfaction as consistently average, better than average, or worse than average, based on its JD Power scores & ratings from 2012 to 2015. You can refer to each study’s analysis above for specific performance.
If this review is helpful to you, please like it on Facebook & share the link to my reviews or my site with your friends & family through social media. Bookmark this page for updates, as new JD Power studies are published each year, and I revise Farmers’ performance based on the latest information.
Auto & homeowners insurance pricing performance is determined as average, better than average, or worse than average, based on the Farmers ratings for the category of Pricing in the most recent JD Power auto or homeowners insurance customer satisfaction study.
Auto Insurance Customer Satisfaction — California region: Worse than average
Auto Insurance Customer Satisfaction — Texas region: Worse than average
Auto Insurance Customer Satisfaction — Central (AR, IA, KS, MN, MO, NE, ND, OK, SD) region: Worse than average
Auto Insurance Customer Satisfaction — North Central (IL, IN, MI, OH, WI) region: Worse than average
Auto Insurance Customer Satisfaction — Northwest (ID, MT, OR, WA, WY) region: Worse than average
Auto Insurance Customer Satisfaction — Southwest (AZ, CO, NV, NM, UT) region: Worse than average
Auto Insurance Claims Satisfaction:
Better than average in the following states: None.
Average in the states of Arizona, Arkansas, California, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, and Wyoming.
Worse than average in the state of Texas.
Worse than average among Farmers auto insurance policyholders across the USA in the last three years.
Homeowners Insurance Customer Satisfaction: Worse than average
Homeowners Insurance Claims Satisfaction: Slightly below average
Farmers Auto & Homeowners Insurance Rates
Auto Insurance Pricing:
Better than average in the following states: None.
Average in the states of Idaho, Illinois, Indiana, Michigan, Montana, Ohio, Oregon, Washington, Wisconsin, & Wyoming.
Worse than average in the states of Arizona, Arkansas, California, Colorado, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, South Dakota, Texas, & Utah.
Farmers rated average among auto insurance shoppers across the USA in 2016.
Homeowners Insurance Pricing: Average
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