This Farmers Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009, 2010, 2011, 2012, 2013, & 2014), the home & auto insurance complaint ratings for the subsidiary companies of Farmers insurance group, to determine whether each subsidiary, such as Farmers Insurance Exchange or Mid-Century Insurance Company, has a better-than-average, average, or worse-than-average customer complaint record.
I’ll also look at the JD Power ratings for Farmers auto & homeowner insurance pricing, and increases & decreases in market share (as measured by annual written premiums) for each Farmers subsidiary, as a possible indication of high or low insurance rates. In addition, I’ll review the AM Best Financial Strength Ratings for the Farmers insurance companies, too.
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The detailed information in this review, and my review of the JD Power ratings for Farmers auto & homeowners insurance, compare Farmers auto & home insurance to the industry average and competing companies for customer service, claims processing performance, customer complaints, financial strength, and insurance rates, but if If you don’t want to read all the details, you can go to this review on my website here, to see if Farmers consistently performs better than average, average, or worse than average for customer service, claims, and pricing, and compare Farmers Insurance to over 40 other U.S. auto & home insurance companies.
I update my reviews throughout the year as new data becomes available, so be sure to bookmark or place my website in your favorites, so you can keep up on how Farmers and other major insurance companies perform in the future. If the information in this review helps you, please like this review on Facebook and share the link to it on the Web and through social media.
Farmers Auto & Home Insurance Customer Complaints, Pricing, & Ratings Review
The Farmers Insurance Group of Companies make up one of the USA’s largest insurers of vehicles and homes. Farmers insures more than 10 million households, with more than 20 million individual policies, across all 50 states, sold & serviced through over 50,000 exclusive and independent agents. The Farmers Exchanges are three reciprocal insurers (Farmers Insurance Exchange, Fire Insurance Exchange and Truck Insurance Exchange) owned by their policyholders, and together with their subsidiaries and affiliates, comprise the Farmers Insurance Group of Companies.
This Farmers Insurance Companies review is divided into four sections, consisting of: 1. AM Best Financial Strength Ratings for the Farmers insurance companies 2. the auto insurance customer complaint record for the Farmers insurance companies, 3. the home insurance customer complaint record for the Farmers insurance companies, and 4. the competitiveness of Farmers auto & home insurance rates compared to other major auto & home insurance companies.
1. AM Best Financial Strength Rating for the Farmers companies
The Farmers property & casualty insurance companies (Farmers Insurance Company, Inc., Farmers Insurance Company of Arizona, Farmers Insurance Company of Idaho, Farmers Insurance Company of Oregon, Farmers Insurance Company of Washington, Farmers Insurance Exchange, Farmers Insurance Hawaii, Inc., Farmers Insurance of Columbus Inc., Farmers New Century Insurance Company, Farmers Reinsurance Company, Farmers Specialty Insurance Company, Farmers Texas County Mutual Insurance Company, Fire Insurance Exchange, Civic Property & Casualty Company, Exact Property & Casualty Company, Illinois Farmers Insurance Company, Mid-Century Insurance Company, Mid-Century Insurance Company of Texas, Neighborhood Spirit Property & Casualty Company, Texas Farmers Insurance Company, and Truck Insurance Exchange) had their A (Excellent) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) affirmed on 10/02/2015. A is the third highest rating for AM Best. I become concerned with any car or homeowners insurance company or subsidiary with less than an A- rating for financial strength from AM Best.
AM Best financial strength ratings are not a measure of customer service or the quality of the claims adjusting for any of the Farmers companies, but an opinion about their ability to pay claims, remain financially solvent, and stay in business. I recommend avoiding, if possible or practical, any auto or homeowners insurance company with lower than an “A-” rating for financial strength from AM Best. Some major auto & home insurance companies have higher or slightly lower financial strength ratings than the Farmers companies, but the difference in financial strength among A++, A+, A, & A- rated companies is not significant to me unless higher rated companies are the same or better in terms of price, coverage, claims handling, and customer service.
Farmers Auto & Homeowners Insurance Complaint Record 2009-2014
A measure of quality for an auto or home insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, adjusted for the company’s market share. Sections #2 & #3 of this review will show you if Farmers auto & home insurance has a better-than-average, average, or below-average complaint record for 2009, 2010, 2011, 2012, 2013, & 2014.
The most common reasons, for people to file auto & home insurance complaints with a state insurance department against insurance companies, are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim. The complaint statistics used in this Farmers Insurance Group review are the number of upheld complaints filed against the Farmers companies with a state’s insurance regulatory authority, adjusted for each company’s market share, as determined by the National Association of Insurance Commissioners. This review provides valuable information to help you decide if a Farmers company is best for you. By choosing a company with a better-than-average complaint history, or at least avoiding companies with consistent, worse-than-average complaint records, you decrease the likelihood you will have an unsatisfactory experience, when you need your car or home insurance company.
The complaint statistics, called complaint ratios, used in this Farmers auto & homeowners insurance review are the number of upheld complaints filed against each of the Farmers companies with a state’s insurance regulatory authority, adjusted for each subsidiary’s market share, as determined by the National Association of Insurance Commissioners.
The complaint ratios for the Farmers insurance companies listed below display the ratio of the company’s U.S. Market Share of closed complaints compared to the company’s U.S. Market Share of premiums for a specific policy type. Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an auto or home insurance company with complaint ratios less than 1.00 each year, at least over the most recent three years.
So you don’t have to worry about comparing complaint ratio numbers, I devised a rating system to help you identify if Farmers has a good or poor complaint record.
Here’s how I establish my auto & homeowners insurance complaint ratings:
B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.
C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.01 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.99 to .75).
W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.
I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $50,000,000 in premiums for that line of insurance (auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints, or with inconsistent complaint records, unless there are mitigating factors, such as very small market share.
2. Farmers Auto Insurance Complaint Statistics & Ratings
I’m reviewing thirteen of the Farmers subsidiary companies licensed to insure private passenger vehicles in the USA. The use of more than one auto or home insurance subsidiary company is usually to offer different pricing to specific risk profiles (for example, drivers with a clean driving record vs. drivers with tickets and accidents), certain affinity groups, such as farm bureau members or government employees, or operate in a certain US state or a specific group of states.
I’m not reviewing the auto insurance complaint data for these Farmers subsidiaries:
Farmers Specialty Insurance Company, in spite of its name, is a part of Foremost Insurance Group, which is also owned by Farmers parent company, Zurich Insurance Group, LTD, and sold through independent agents as well as Farmers agents. You can read my review of the Foremost companies here.
Farmers Reinsurance Company had no auto insurance policies in force in 2012 or 2013, and no data available for it on the NAIC website when I checked for 2014 complaint data.
These Farmers subsidiaries have too few auto insurance customers to be included in this auto insurance complaints analysis:
Mid-Century Insurance Company of Texas (in Texas only) had only $494,644 in 2012 US auto insurance premiums, $304,392 in 2013 US auto insurance premiums, and $176,291 in 2014 US auto insurance premiums.
Civic Property & Casualty Company (in CA, GA, MI, MO, OH, PA only) had $304,392 in 2013 US auto insurance premiums (down from $908,047 in 2010) and now only $94,356 in 2014 US auto insurance premiums.
Texas Farmers Insurance Company (in TX only) had no auto insurance policies in force in 2013 (down from $14,563 in 2012 US auto insurance premiums) and only $238 in 2014 US auto insurance premiums.
Farmers auto insurance complaint record considering all subsidiaries:
Average
Here is the auto insurance complaint data for each Farmers subsidiary:
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.68)
2015 US auto insurance premium = $640,861,919
2014 Auto Insurance Complaint Ratio = B (.56)
2014 US auto insurance premium = $635,854,047
2013 Auto Insurance Complaint Ratio = C- (1.21)
2013 US auto insurance premium = $661,068,228
2012 Auto Insurance Complaint Ratio = C- (1.18)
2012 US auto insurance premium = $698,255,120
2011 Auto Insurance Complaint Ratio = C- (1.09)
2011 US auto insurance premium = $651,083,509
2010 Auto Insurance Complaint Ratio = C- (1.11)
2010 US auto insurance premium = $586,992,956
2009 Auto Insurance Complaint Ratio = C+ (.85)
The Farmers Insurance Company Inc. subsidiary company insures private passenger vehicles in Arkansas, California, Iowa, Kansas, Missouri & Oklahoma. Farmers Insurance Company Inc. had a higher than average number of auto insurance complaints each year from 2010 to 2013, but its number of auto insurance complaints in 2014, at 56% of the industry average. The auto insurance market share for Farmers Insurance Company Inc. decreased each year from 2012 to 2014, which may be an indication Farmers Insurance Company Inc. no longer has competitive pricing for its auto insurance, in at least some of the states where this Farmers subsidiary operates.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.16)
2015 US auto insurance premium = $432,879,352
2014 Auto Insurance Complaint Ratio = B (.45)
2014 US auto insurance premium = $428,619,819
2013 Auto Insurance Complaint Ratio = B (.63)
2013 US auto insurance premium = $446,674,009
2012 Auto Insurance Complaint Ratio = B (.52)
2012 US auto insurance premium = $453,034,900
2011 Auto Insurance Complaint Ratio = B (.51)
2011 US auto insurance premium = $421,145,853
2010 Auto Insurance Complaint Ratio = B (.58)
2010 US auto insurance premium = $405,042,290
2009 Auto Insurance Complaint Ratio = B (.60)
The Farmers Insurance Company of Arizona subsidiary company insures private passenger vehicles in Arizona & New Mexico only. Farmers Insurance Company of AZ has a consistent, better than average auto insurance complaint history over the last six years, with its number of auto insurance complaints in its worst performing year during this period (2013), at 63% of the industry average. The auto insurance market share for Farmers Insurance Company of AZ has decreased each year since 2012, which may be an indication Farmers Insurance Company of Arizona no longer has competitive pricing for its auto insurance in either AZ or NM, or both states.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (0) (No complaints)
2015 US auto insurance premium = $68,022,617
2014 Auto Insurance Complaint Ratio = B (.16)
2014 US auto insurance premium = $69,080,174
2013 Auto Insurance Complaint Ratio = B (.15)
2013 US auto insurance premium = $73,586,877
2012 Auto Insurance Complaint Ratio = B (.36)
2012 US auto insurance premium = $75,450,154
2011 Auto Insurance Complaint Ratio = C+ (.84)
2011 US auto insurance premium = $71,360,134
2010 Auto Insurance Complaint Ratio = B (.53)
2010 US auto insurance premium = $64,320,267
2009 Auto Insurance Complaint Ratio = B (.24)
The Farmers Insurance Company of Idaho subsidiary company insures private passenger vehicles in Idaho only. Farmers Insurance Company of ID has a lower than average number of auto insurance complaints over the last six years, with its number of auto insurance complaints in its worst performing year during this period (2011), at 84% of the industry average. The auto insurance market share for Farmers Insurance Company of ID decreased each year since 2012, which may be an indication Farmers Insurance Company of Idaho no longer has competitive pricing for its auto insurance in Idaho.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.24)
2015 US auto insurance premium = $239,167,838
2014 Auto Insurance Complaint Ratio = B (.40)
2014 US auto insurance premium = $243,999,547
2013 Auto Insurance Complaint Ratio = C+ (.94)
2013 US auto insurance premium = $253,180,375
2012 Auto Insurance Complaint Ratio = C+ (.96)
2012 US auto insurance premium = $263,374,367
2011 Auto Insurance Complaint Ratio = C+ (.89)
2011 US auto insurance premium = $261,657,136
2010 Auto Insurance Complaint Ratio = W (1.33)
2010 US auto insurance premium = $254,010,221
2009 Auto Insurance Complaint Ratio = W (1.37)
The Farmers Insurance Company of Oregon subsidiary company insures private passenger vehicles in California, Michigan, & Oregon only. Farmers Insurance Company of OR has a lower than average number of auto insurance complaints in the most recent four of the last six years, that’s usually close to the average each year. Its number of auto insurance complaints, in its worst performing year during the 2009-2014 period (2009), was 37% more than the industry average. The auto insurance market share for Farmers Insurance Company of OR decreased each year since 2012, which may be an indication Farmers Insurance Company of Oregon no longer has competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.27)
2015 US auto insurance premium = $249,590,661
2014 Auto Insurance Complaint Ratio = B (.38)
2014 US auto insurance premium = $283,935,408
2013 Auto Insurance Complaint Ratio = B (.07)
2013 US auto insurance premium = $303,668,321
2012 Auto Insurance Complaint Ratio = B (.12)
2012 US auto insurance premium = $306,108,289
2011 Auto Insurance Complaint Ratio = B (.21)
2011 US auto insurance premium = $324,210,111
2010 Auto Insurance Complaint Ratio = B (.31)
2010 US auto insurance premium = $354,787,861
2009 Auto Insurance Complaint Ratio = B (.26)
The Farmers Insurance Company of Washington subsidiary company insures private passenger vehicles in Washington only. Farmers Insurance Company of WA has an excellent, better than average auto insurance complaint history over the last six years, with its number of auto insurance complaints in its worst performing year during this period (2014), at only 38% of the industry average. The auto insurance market share for Farmers Insurance Company of WA has decreased each year since 2010, which may be an indication Farmers Insurance Company of Washington does not have competitive pricing for its auto insurance in Washington.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = C (.96)
2015 US auto insurance premium = $1,645,883,111
2014 Auto Insurance Complaint Ratio = C+ (.84)
2014 US auto insurance premium = $1,481,388,919
2013 Auto Insurance Complaint Ratio = C- (1.16)
2013 US auto insurance premium = $1,417,153,983
2012 Auto Insurance Complaint Ratio = C- (1.10)
2012 US auto insurance premium = $1,342,490,009
2011 Auto Insurance Complaint Ratio = W (1.34)
2011 US auto insurance premium = $1,175,615,054
2010 Auto Insurance Complaint Ratio = C- (1.08)
2010 US auto insurance premium = $1,376,173,120
2009 Auto Insurance Complaint Ratio = C+ (.84)
The Farmers Insurance Exchange subsidiary company insures private passenger vehicles in AL, AZ, AR, CA, CO, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, & WY.
Farmers Insurance Exchange has a higher than average number of auto insurance complaints from 2010 to 2013, but its number of auto insurance complaints in 2014 was 84% of the industry average. The auto insurance market share for Farmers Insurance Exchange has increased each year since 2011, which may be an indication pricing for its auto insurance is now more competitive, in at least some of the states where this Farmers subsidiary operates.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (0) (No complaints)
2015 US auto insurance premium = $51,207,745
2014 Auto Insurance Complaint Ratio = B (0) (No complaints)
2014 US auto insurance premium = $54,863,758
2013 Auto Insurance Complaint Ratio = B (0) (No complaints)
2013 US auto insurance premium = $58,380,406
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $60,880,177
2011 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 US auto insurance premium = $65,671,180
2010 Auto Insurance Complaint Ratio = B (0) (No complaints)
2010 US auto insurance premium = $70,760,974
2009 Auto Insurance Complaint Ratio = B (.42)
The Farmers Insurance Hawaii Inc. subsidiary company insures private passenger vehicles in Hawaii only. Farmers Insurance Hawaii Inc. has a better than average auto insurance complaint history over the last six years, with its number of auto insurance complaints in its worst performing year during this period (2009), at 42% of the industry average. Updating this review for 2014, the better than average auto insurance complaint ratios for 2011 & 2012 that were on the NAIC website last year seemed to have their complaints withdrawn, now having no complaints in these years. Per the NAIC database, Farmers Insurance Hawaii Inc. had no auto insurance complaints 2010 through 2014.
The auto insurance market share for Farmers Insurance Hawaii Inc. has decreased each year since 2010, which may be an indication Farmers Insurance Hawaii Inc does not have competitive pricing for its auto insurance. Farmers Insurance Hawaii Inc. is now listed as a 21st Century subsidiary company on the Farmers website, and it may be this subsidiary is no longer selling new auto insurance policies in Hawaii.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.37)
2015 US auto insurance premium = $93,120,679
2014 Auto Insurance Complaint Ratio = B (.12)
2014 US auto insurance premium = $91,003,376
2013 Auto Insurance Complaint Ratio = B (.31)
2013 US auto insurance premium = $104,618,330
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $120,011,468
2011 Auto Insurance Complaint Ratio = C- (1.04)
2011 US auto insurance premium = $106,862,585
2010 Auto Insurance Complaint Ratio = C+ (.86)
2010 US auto insurance premium = $88,648,928
2009 Auto Insurance Complaint Ratio = W (1.42)
The Farmers Insurance Company of Columbus Inc. subsidiary company insures private passenger vehicles in Michigan, & Ohio only. Farmers Insurance Company of Columbus Inc. has a lower than average number of auto insurance complaints in four of the last six years, with a worse than average auto insurance complaint record in 2009. The auto insurance market share for Farmers Insurance Company of Columbus Inc. has decreased each year since 2012, which may be an indication Farmers Insurance Company of Columbus Inc. no longer has competitive pricing for its auto insurance, in at least one of the two states (MI & OH) where it insures cars & trucks.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (0) (No complaints)
2015 US auto insurance premium = $5,954,730
2014 Auto Insurance Complaint Ratio = W (5.50)
2014 US auto insurance premium = $7,822,690
2013 Auto Insurance Complaint Ratio = W (2.85)
2013 US auto insurance premium = $11,406,640
2012 Auto Insurance Complaint Ratio = W (2.92)
2012 US auto insurance premium = $15,429,991
2011 Auto Insurance Complaint Ratio = W (2.16)
2011 US auto insurance premium = $19,875,638
2010 Auto Insurance Complaint Ratio = W (2.21)
2010 US auto insurance premium = $26,757,743
2009 Auto Insurance Complaint Ratio = C- (1.11)
The Farmers New Century Insurance Company is a small Farmers subsidiary company, insuring private passenger vehicles in Illinois, Maryland, New York, & Pennsylvania only. Farmers New Century Insurance Company has a worse-than-average auto insurance complaint record in the most recent five of the last six years, with its number of auto insurance complaints in 2014, its worst performing year during this period, at 550% of the industry average. Some small subsidiaries of this size, have the occasional bad year, where their complaint ratios are adversely impacted by only one or two extra complaints. This is not the case with Farmers New Century Insurance Company. The auto insurance market share for Farmers New Century Insurance Company has decreased each year since 2010, which may be an indication Farmers New Century Insurance Company does not have competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.30)
2015 US auto insurance premium = $1,372,317,758
2014 Auto Insurance Complaint Ratio = B (.41)
2014 US auto insurance premium = $1,295,478,028
2013 Auto Insurance Complaint Ratio = B (.36)
2013 US auto insurance premium = $1,298,623,983
2012 Auto Insurance Complaint Ratio = B (.19)
2012 US auto insurance premium = $1,311,817,937
2011 Auto Insurance Complaint Ratio = B (.24)
2011 US auto insurance premium = $1,266,564,885
2010 Auto Insurance Complaint Ratio = B (.26)
2010 US auto insurance premium = $1,227,822,743
2009 Auto Insurance Complaint Ratio = B (.34)
The Farmers Texas County Mutual Insurance Company subsidiary company is one of Farmers largest auto insurance subsidiaries, but insures private passenger vehicles in Texas only. Farmers Texas County Mutual Insurance Company has an excellent, better than average auto insurance complaint history over the last six years, with its number of auto insurance complaints in its worst performing year during this period (2014), at only 41% of the industry average. The auto insurance market share for Farmers Texas County Mutual Insurance Company has decreased slightly eac year since 2012, which may be an indication it no longer has competitive pricing for its auto insurance in Texas.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.53)
2015 US auto insurance premium = $1,667,187,665
2014 Auto Insurance Complaint Ratio = C+ (.75)
2014 US auto insurance premium = $1,551,899,497
2013 Auto Insurance Complaint Ratio = B (.65)
2013 US auto insurance premium = $1,569,712,034
2012 Auto Insurance Complaint Ratio = B (.58)
2012 US auto insurance premium = $1,629,175,129
2011 Auto Insurance Complaint Ratio = B (.46)
2011 US auto insurance premium = $1,617,066,493
2010 Auto Insurance Complaint Ratio = B (.51)
2010 US auto insurance premium = $1,597,899,843
2009 Auto Insurance Complaint Ratio = B (.51)
The Mid-Century Insurance Company subsidiary company, is one of Farmers largest auto insurance subsidiaries, providing nonstandard auto insurance in most states, for drivers with traffic tickets, claims, accidents, or other higher risk characteristics. Mid-Century Insurance Company insures private passenger vehicles in AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, & WY.
Mid-Century Insurance Company has a lower than average number of auto insurance complaints each year since 2009, with its number of auto insurance complaints in its worst performing year during this period (2014), at 75% of the industry average. The auto insurance market share for Mid-Century Insurance Company has decreased each year since 2012, which may be an indication Mid-Century Insurance Company no longer has competitive pricing for its auto insurance in at least some of the states where it offers coverage.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = W (8.60)
2015 US auto insurance premium = $3,973,227
2014 Auto Insurance Complaint Ratio = W (6.78)
2014 US auto insurance premium = $6,354,164
2013 Auto Insurance Complaint Ratio = W (2.22)
2013 US auto insurance premium = $9,770,174
2012 Auto Insurance Complaint Ratio = W (3.39)
2012 US auto insurance premium = $15,966,783
2011 Auto Insurance Complaint Ratio = W (4.03)
2011 US auto insurance premium = $23,419,950
2010 Auto Insurance Complaint Ratio = W (2.57)
2010 US auto insurance premium = $46,039,142
2009 Auto Insurance Complaint Ratio = W (1.48)
The Truck Insurance Exchange subsidiary company, is one of Farmers small auto insurance subsidiaries, insuring private passenger vehicles in AL, AK, AZ, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, & WY.
Truck Insurance Exchange has a worse-than-average auto insurance complaint history over the last six years, with its number of auto insurance complaints in its worst performing year during this period (2014), is 678% of the industry average. Some small subsidiaries of similar size to Truck Insurance Exchange, have the occasional bad year, where their complaint ratios are adversely impacted by only one or two extra complaints. This is not the case in most years for Truck Insurance Exchange. The auto insurance market share for Truck Insurance Exchange has decreased greatly each year since 2010, which may be a strong indication Truck Insurance Exchange no longer has competitive pricing for its auto insurance.
B = Better than Average C = Average W = Worse than Average
2015 Auto Insurance Complaint Ratio = B (.18)
2015 US auto insurance premium = $504,869,105
2014 Auto Insurance Complaint Ratio = B (.50)
2014 US auto insurance premium = $495,534,312
2013 Auto Insurance Complaint Ratio = B (.48)
2013 US auto insurance premium = $523,437,216
2012 Auto Insurance Complaint Ratio = B (.30)
2012 US auto insurance premium = $542,374,558
2011 Auto Insurance Complaint Ratio = B (.47)
2011 US auto insurance premium = $492,984,526
2010 Auto Insurance Complaint Ratio = B (.19)
2010 US auto insurance premium = $442,097,151
2009 Auto Insurance Complaint Ratio = B (.32)
The Illinois Farmers Insurance Company subsidiary company insures private passenger vehicles in Illinois, Indiana, Minnesota, & Wisconsin only. Illinois Farmers Insurance Company has a very good, better-than-average auto insurance complaint history over the last six years, with its number of auto insurance complaints in its worst performing year during this period (2014), at 50% of the industry average. The auto insurance market share for Illinois Farmers Insurance Company has decreased each year since 2012, which may be an indication Illinois Farmers Insurance Company no longer has competitive pricing for its auto insurance, in at least some of the states where the company provides coverage.
3. Farmers Insurance Group Home Insurance Complaint Statistics & Ratings
I’m reviewing the Farmers Insurance Group companies selling home insurance through the fifteen subsidiary companies listed below.
I’m not reviewing the complaint data for some Farmers home insurance subsidiaries:
Farmers Specialty Insurance Company, in spite of its name, is a part of Foremost Insurance Group, which is also owned by Farmers parent company, Zurich Insurance Group, LTD, and sold through independent agents as well as Farmers agents. You can read my review of the Foremost companies here.
Farmers Insurance Hawaii Inc. (HI only) had only $594,530 in 2013 US home insurance premiums and no homeowners insurance policies in 2014.
Exact Property & Casualty Company, Inc. (CA, MI, MO, OH, PA only), had $852,518 in 2013 US home insurance premiums (down from $946,379 in 2012 US home insurance premiums) and only $804,067 in 2014 US home insurance premiums.
Farmers home insurance complaint record considering all subsidiaries:
Average
Here is the home insurance complaint data for each Farmers subsidiary:
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.56)
2015 US home insurance premium = $303,161,355
2014 Home Insurance Complaint Ratio = C+ (.80)
2014 US home insurance premium = $300,873,631
2013 Home Insurance Complaint Ratio = W (1.38)
2013 US home insurance premium = $298,529,770
2012 Home Insurance Complaint Ratio = W (1.27)
2012 US home insurance premium = $279,833,863
2011 Home Insurance Complaint Ratio = W (1.42)
2011 US home insurance premium = $257,763,696
2010 Home Insurance Complaint Ratio = W (1.31)
2010 US home insurance premium = $249,667,933
2009 Home Insurance Complaint Ratio = W (1.45)
The Farmers Insurance Company Inc. subsidiary company insures homes in Arkansas, California, Iowa, Kansas, Missouri, & Oklahoma only. Farmers Insurance Company Inc. had a worse-than-average home insurance complaint history each year from 2009 to 2013, but its number of home insurance complaints in 2014 was 80% of the industry average. The home insurance market share for Farmers Insurance Company Inc. has grown each year since 2010, which may be an indication Farmers Insurance Company Inc. has competitive pricing or advantages for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.24)
2015 US home insurance premium = $83,280,552
2014 Home Insurance Complaint Ratio = B (.42)
2014 US home insurance premium = $88,398,411
2013 Home Insurance Complaint Ratio = B (.57)
2013 US home insurance premium = $97,197,608
2012 Home Insurance Complaint Ratio = C+ (.77)
2012 US home insurance premium = $105,304,820
2011 Home Insurance Complaint Ratio = B (.71)
2011 US home insurance premium = $114,357,659
2010 Home Insurance Complaint Ratio = B (.70)
2010 US home insurance premium = $130,483,000
2009 Home Insurance Complaint Ratio = B (.67)
The Farmers Insurance Company of Arizona subsidiary company insures homes in Arizona & New Mexico only. Farmers Insurance Company of AZ has a lower than average number of home insurance complaints each year for the last six years, with its number of home insurance complaints, in its worst performing year during this period (2012), at 77% of the industry average. The home insurance market share for Farmers Insurance Company of AZ has decreased each year since 2010, which may be an indication Farmers Insurance Company of Arizona does not have competitive pricing for its home insurance in either AZ or NM, or both states.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $14,234,536
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $15,086,784
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $16,944,316
2012 Home Insurance Complaint Ratio = C+ (.86)
2012 US home insurance premium = $18,794,250
2011 Home Insurance Complaint Ratio = C+ (.81)
2011 US home insurance premium = $19,950,940
2010 Home Insurance Complaint Ratio = W (1.26)
2010 US home insurance premium = $21,692,573
2009 Home Insurance Complaint Ratio = B (.36)
The Farmers Insurance Company of Idaho subsidiary company insures homes in Idaho only. Even for a subsidiary operating in only one state, it has a small home insurance market share in Idaho. Farmers Insurance Company of ID has a lower than average number of home insurance complaints in the most recent four of the last six years, with no home insurance complaints in 2013 or 2014.
In 2010, its worst year during the six-year period, its home insurance complaint ratio was 26% more than the industry average. When a subsidiary is this small in a particular type of insurance, only one or two complaints can greatly influence complaint ratios. For example, in 2011, Farmers Insurance Company of Idaho received two home insurance complaints, resulting in a complaint ratio below the average of .81. But in 2010, it received three complaints, resulting in a worse-than-average home insurance complaint ratio of 1.26. One extra complaint changed its complaint ratio from about average, to worse than average.
The small home insurance market share for Farmers Insurance Company of ID has continued to decrease each year since 2010, which may be an indication Farmers Insurance Company of Idaho does not have competitive pricing for its home insurance in Idaho.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.24)
2015 US home insurance premium = $42,023,429
2014 Home Insurance Complaint Ratio = B (.22)
2014 US home insurance premium = $42,209,340
2013 Home Insurance Complaint Ratio = W (1.70)
2013 US home insurance premium = $45,820,385
2012 Home Insurance Complaint Ratio = C- (1.13)
2012 US home insurance premium = $50,343,339
2011 Home Insurance Complaint Ratio = C+ (.90)
2011 US home insurance premium = $54,174,017
2010 Home Insurance Complaint Ratio = C+ (.93)
2010 US home insurance premium = $58,551,382
2009 Home Insurance Complaint Ratio = W (1.62)
The Farmers Insurance Company of Oregon subsidiary company insures homes in California, Michigan, & Oregon only. Farmers Insurance Company of OR had a higher than average number of home insurance complaints in three of the last six years (2009, 2012 & 2013), with its number of home insurance complaints, in its worst performing year during this period (2013), at 70% more than the industry average. The home insurance market share for Farmers Insurance Company of OR has decreased each year since 2010, which may be an indication Farmers Insurance Company of Oregon no longer has competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (0) (No complaints)
2015 US home insurance premium = $73,559,855
2014 Home Insurance Complaint Ratio = B (.48)
2014 US home insurance premium = $76,415,619
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $81,560,095
2012 Home Insurance Complaint Ratio = B (.19)
2012 US home insurance premium = $87,366,458
2011 Home Insurance Complaint Ratio = B (.25)
2011 US home insurance premium = $96,767,748
2010 Home Insurance Complaint Ratio = B (0) (No complaints)
2010 US home insurance premium = $107,563,199
2009 Home Insurance Complaint Ratio = B (.23)
The Farmers Insurance Company of Washington subsidiary company insures homes in Washington only. Farmers Insurance Company of WA has an excellent, better than average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst performing year during this period (2014), at only 48% of the industry average. The home insurance market share for Farmers Insurance Company of WA has decreased every year since 2010, which may be an indication Farmers Insurance Company of Washington does not have competitive pricing for its home insurance in Washington.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.57)
2015 US home insurance premium = $1,215,124,187
2014 Home Insurance Complaint Ratio = C+ (.76)
2014 US home insurance premium = $1,125,025,406
2013 Home Insurance Complaint Ratio = C- (1.18)
2013 US home insurance premium = $1,066,475,236
2012 Home Insurance Complaint Ratio = C+ (.81)
2012 US home insurance premium = $976,584,903
2011 Home Insurance Complaint Ratio = C+ (.78)
2011 US home insurance premium = $989,286,833
2010 Home Insurance Complaint Ratio = W (1.30)
2010 US home insurance premium = $952,014,519
2009 Home Insurance Complaint Ratio = C- (1.20)
The Farmers Insurance Exchange subsidiary company insures homes in AL, AZ, AR, CA, CO, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, & WY.
Farmers Insurance Exchange had a higher than average number of home insurance complaints in 2009, 2010, & 2013, but its number of home insurance complaints in 2011, 2012, & 2014 were below the industry average. The home insurance market share for Farmers Insurance Exchange has increased each year since 2012, which may be an indication pricing for its home insurance is now more competitive than its been in the last few years.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (0)
2015 US home insurance premium = $18,424,833
2014 Home Insurance Complaint Ratio = B (.48)
2014 US home insurance premium = $19,046,892
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $20,228,460
2012 Home Insurance Complaint Ratio = B (.35)
2012 US home insurance premium = $23,304,948
2011 Home Insurance Complaint Ratio = C- (1.04)
2011 US home insurance premium = $23,500,666
2010 Home Insurance Complaint Ratio = B (.74)
2010 US home insurance premium = $24,479,072
2009 Home Insurance Complaint Ratio = B (.68)
The Farmers Insurance Company of Columbus Inc. subsidiary company insures homes in Michigan & Ohio only. Farmers Insurance Company of Columbus Inc. had a lower than average number of home insurance complaints in five of the last six years. The home insurance market share for Farmers Insurance Company of Columbus Inc. has decreased each year since 2010, which may be an indication Farmers Insurance Company of Columbus Inc. does not have competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = C (1.06)
2015 US home insurance premium = $18,799,980
2014 Home Insurance Complaint Ratio = B (.46)
2014 US home insurance premium = $20,024,202
2013 Home Insurance Complaint Ratio = C- (1.01)
2013 US home insurance premium = $22,075,034
2012 Home Insurance Complaint Ratio = W (2.25)
2012 US home insurance premium = $25,228,981
2011 Home Insurance Complaint Ratio = C+ (.85)
2011 US home insurance premium = $28,635,085
2010 Home Insurance Complaint Ratio = B (0) (No complaints)
2010 US home insurance premium = $32,967,340
2009 Home Insurance Complaint Ratio = B (.23)
The Farmers New Century Insurance Company is a small Farmers subsidiary company, insuring homes in Illinois, Maryland, New York, & Pennsylvania only. Farmers New Century Insurance Company has a worse-than-average home insurance complaint record in 2012, with its number of home insurance complaints at 225% more than the industry average. Some small subsidiaries of this size, have the occasional bad year, where their complaint ratios are adversely impacted by only one or two extra complaints. This is not the case with Farmers New Century Insurance Company in 2012. The home insurance market share for Farmers New Century Insurance Company has decreased each year since 2010, which may be an indication Farmers New Century Insurance Company no longer has competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.35)
2015 US home insurance premium = $546,072,986
2014 Home Insurance Complaint Ratio = B (.34)
2014 US home insurance premium = $570,946,637
2013 Home Insurance Complaint Ratio = B (.54)
2013 US home insurance premium = $620,111,627
2012 Home Insurance Complaint Ratio = B (.27)
2012 US home insurance premium = $667,598,695
2011 Home Insurance Complaint Ratio = B (.30)
2011 US home insurance premium = $615,413,981
2010 Home Insurance Complaint Ratio = B (.51)
2010 US home insurance premium = $575,120,672
2009 Home Insurance Complaint Ratio = B (.73)
Mid-Century Insurance Company insures homes in AL, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, & WY.
Mid-Century Insurance Company has a better-than-average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst performing year during this period (2009), at 73% of the industry average. The home insurance market share for Mid-Century Insurance Company has decreased each year since 2012, which may be an indication Mid-Century Insurance Company no longer has competitive pricing for its home insurance, in at least some of the states where it offers coverage.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.61)
2015 US home insurance premium = $1,037,363,967
2014 Home Insurance Complaint Ratio = B (.71)
2014 US home insurance premium = $985,920,756
2013 Home Insurance Complaint Ratio = C+ (.89)
2013 US home insurance premium = $934,810,800
2012 Home Insurance Complaint Ratio = B (.50)
2012 US home insurance premium = $883,425,886
2011 Home Insurance Complaint Ratio = B (.60)
2011 US home insurance premium = $1,001,653,423
2010 Home Insurance Complaint Ratio = B (.69)
2010 US home insurance premium = $1,089,059,528
2009 Home Insurance Complaint Ratio = B (.71)
Fire Insurance Exchange insures homes in AL, AZ, AR, CA, CO, FL, GA, ID, IL, IN, IA, KS, MI, MN, MO, MT, NE, NV, NH, NJ, NM, ND, OH, OK, OR, SD, TX, UT, WA, WI, & WY.
Fire Insurance Exchange has a lower than average number of home insurance complaints each year from 2009 to 2014, with its number of home insurance complaints in its worst performing year during this period (2013), at 89% of the industry average. The home insurance market share for Fire Insurance Exchange has increased each year since 2012, which may be an indication pricing for its home insurance is now more competitive in some of the states where it sells coverage.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.50)
2015 US home insurance premium = $98,999,661
2014 Home Insurance Complaint Ratio = B (.28)
2014 US home insurance premium = $65,690,163
2013 Home Insurance Complaint Ratio = W (1.63)
2013 US home insurance premium = $40,883,355
2012 Home Insurance Complaint Ratio = W (3.43)
2012 US home insurance premium = $33,136,880
2011 Home Insurance Complaint Ratio = W (1.72)
2011 US home insurance premium = $28,333,587
2010 Home Insurance Complaint Ratio = B (.59)
2010 US home insurance premium = $30,859,573
2009 Home Insurance Complaint Ratio = B (.69)
The Truck Insurance Exchange subsidiary company, is one of Farmers smaller home insurance subsidiaries, but insuring homes in many states, such as AL, AK, AZ, AR, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, & WY.
Truck Insurance Exchange has a worse-than-average home insurance complaint history in 2011, 2012, & 2013, but its number of home insurance complaints in 2014 was only 28% of the industry average. Some small subsidiaries of similar size to Truck Insurance Exchange, have the occasional bad year, where their complaint ratios are adversely impacted by only one or two extra complaints. This is not the case with Truck Insurance Exchange in 2011, 2012, or 2013. The home insurance market share for Truck Insurance Exchange has increased each year since 2010, which may be an indication Truck Insurance Exchange has competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.30)
2015 US home insurance premium = $67,203,484
2014 Home Insurance Complaint Ratio = B (.65)
2014 US home insurance premium = $70,701,256
2013 Home Insurance Complaint Ratio = C- (1.02)
2013 US home insurance premium = $76,247,448
2012 Home Insurance Complaint Ratio = C- (1.25)
2012 US home insurance premium = $84,305,625
2011 Home Insurance Complaint Ratio = C+ (.82)
2011 US home insurance premium = $88,757,973
2010 Home Insurance Complaint Ratio = B (.53)
2010 US home insurance premium = $102,684,050
2009 Home Insurance Complaint Ratio = C (1.00)
The Illinois Farmers Insurance Company subsidiary company insures homes in Illinois, Indiana, Minnesota, & Wisconsin only. Illinois Farmers Insurance Company had either a lower than average or average number of home insurance complaints in five of the last six years, but with a higher than average number of home insurance complaints in 2012, with its number of home insurance complaints at 25% more than the industry average. The home insurance market share for Illinois Farmers Insurance Company has decreased since 2010, which may be an indication Illinois Farmers Insurance Company does not have competitive pricing for its home insurance.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = W (1.98)
2015 US home insurance premium = $5,022,502
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $5,073,996
2013 Home Insurance Complaint Ratio = W (2.19)
2013 US home insurance premium = $5,080,038
2012 Home Insurance Complaint Ratio = W (3.01)
2012 US home insurance premium = $5,385,050
2011 Home Insurance Complaint Ratio = B (0) (No complaints)
2011 US home insurance premium = $5,955,832
2010 Home Insurance Complaint Ratio = W (1.39)
2010 US home insurance premium = $6,559,489
2009 Home Insurance Complaint Ratio = W (4.70)
Neighborhood Spirit Property & Casualty Company is a small Farmers subsidiary company, insuring homes in California, Michigan, Missouri, Ohio, & Pennsylvania only. Neighborhood Spirit Property & Casualty Company has a higher than average number of home insurance complaints in four of the last six years. In 2009, its worst year during the six-year period, its home insurance complaint ratio was 470% of the industry average.
However, when a subsidiary is this small in a particular type of insurance, only one or two complaints can greatly influence complaint ratios. For example, in 2013, Neighborhood Spirit Property & Casualty Company received only one home insurance complaint, resulting in a worse-than-average home insurance complaint ratio of 2.19. In 2011 & 2014, it received no home insurance complaints, resulting in a perfect, better-than-average home insurance complaint ratio of 0. One complaint changed its complaint ratio from better than average, to worse than average. I’d still consider the home insurance complaint history for Neighborhood Spirit Property & Casualty Company as worse-than-average at this time, since it has a higher than average complaint ratio in four out of six years.
The home insurance market share for Neighborhood Spirit Property & Casualty Company has decreased each year since 2010, which may be an indication it does not have competitive pricing for home insurance, or it’s not selling new policies.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = W (1.89)
2015 US home insurance premium = $5,271,000
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $5,486,960
2013 Home Insurance Complaint Ratio = W (2.01)
2013 US home insurance premium = $5,538,086
2012 Home Insurance Complaint Ratio = W (3.98)
2012 US home insurance premium = $6,116,321
2011 Home Insurance Complaint Ratio = C- (1.20)
2011 US home insurance premium = $6,747,277
2010 Home Insurance Complaint Ratio = C+ (.75)
2010 US home insurance premium = $12,155,282
2009 Home Insurance Complaint Ratio = C- (1.24)
Civic Property & Casualty Company is a small Farmers subsidiary company, insuring homes in California, Georgia, Michigan, Missouri, Ohio, & Pennsylvania only. Civic Property & Casualty Company has a higher than average number of home insurance complaints in four of the last six years. In 2012, its worst year during the six-year period, its home insurance complaint ratio was 398% of the industry average.
However, when a subsidiary is this small in a particular type of insurance, only one or two complaints can greatly influence complaint ratios. For example, in 2010, Civic Property & Casualty Company received only one home insurance complaint, resulting in a lower than average home insurance complaint ratio of .75. In 2013, it also received one home insurance complaint, but due to a drop in market share, its 2013 home insurance complaint ratio was worse than average, at 1.99. One complaint with a loss of market share, changed its complaint ratio from slightly better than average, to worse than average.
The home insurance market share for Civic Property & Casualty Company has decreased by more than 50% since 2010, which may be an indication Civic Property & Casualty Company no longer has competitive pricing for its home insurance, or it is no longer selling new policies.
B = Better than Average C = Average W = Worse than Average
2015 Home Insurance Complaint Ratio = B (.21)
2015 US home insurance premium = $651,496,009
2014 Home Insurance Complaint Ratio = B (.22)
2014 US home insurance premium = $662,217,112
2013 Home Insurance Complaint Ratio = B (.33)
2013 US home insurance premium = $632,816,991
2012 Home Insurance Complaint Ratio = B (.18)
2012 US home insurance premium = $574,690,714
2011 Home Insurance Complaint Ratio = B (.11)
2011 US home insurance premium = $356,802,156
2010 Home Insurance Complaint Ratio = B (.17)
2010 US home insurance premium = $319,064,978
2009 Home Insurance Complaint Ratio = C+ (.75)
The Texas Farmers Insurance Company subsidiary company insures homes in Texas only. Texas Farmers Insurance Company has an excellent, better than average home insurance complaint history over the last five years, with its number of home insurance complaints in its worst performing year during the most recent four years (2013), still at a low 33% of the industry average. The home insurance market share for Texas Farmers Insurance Company increased quite a bit each year since 2010, which may be an indication of competitive pricing for its home insurance in Texas.
4. Farmers Auto & Home Insurance Rates & Pricing Compared to Competitors
Homeowners Insurance
Farmers received a rating of three power circles (about average) for homeowners insurance pricing in the national 2014 JD Power U.S. Homeowners Insurance Satisfaction study. The following companies rated better than average (4 power circles or 5 power circles) for lower homeowners insurance rates in the 2014 JD Power Homeowners Insurance Satisfaction study: Auto-Owners, Amica, Automobile Club of Southern California, Erie, GEICO, Mercury, and The Hartford.
Auto Insurance
Farmers received the lowest rating of two power circles in the category of auto insurance pricing in the 2015 JD Power Auto Insurance Customer Satisfaction study for the following states: Arizona, Arkansas, California, Colorado, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, South Dakota, Texas, & Utah.
Farmers received the rating of three power circles (about average) in the category of auto insurance pricing in the 2015 JD Power Auto Insurance Customer Satisfaction study for the following states: Idaho, Illinois, Indiana, Michigan, Montana, Ohio, Oregon, Washington, Wisconsin, & Wyoming.
The following companies rated above average (4 power circles or 5 power circles) for lower auto insurance rates in the 2015 JD Power Auto Insurance Customer Satisfaction study in the some of the same states where Farmers was rated: USAA, Erie, GEICO, Grange, COUNTRY, Esurance, Wawanesa, Ameriprise, Auto Club of Southern California, Auto-Owners, Indiana Farm Bureau, Shelter, Progressive, PEMCO, Metlife (Florida only), Texas Farm Bureau, and The Hartford.
Farmers also received the rating of three power circles for the category of Pricing in the 2016 JD Power U.S. Auto Insurance Purchase Experience Study. The following companies rated above average (4 power circles or 5 power circles) for lower auto insurance rates nationally in the 2016 JD Power Auto Insurance Purchase Experience Study: USAA, Erie, Liberty Mutual, The Hartford, American Family, Automobile Club Group, Travelers, Ameriprise (available through Costco), CSAA Insurance Group, and Mercury.
However, the companies with the best rates for some people participating in a survey may not have low rates for you. To get lower auto or home insurance rates, the only way to know if any insurance company has high or low rates for you is to conduct your own pricing survey, by obtaining price quotes & reviewing your coverage with all the leading insurance companies in your state, to find the best company for you.