Farmers offers robust coverage options with a strong agent network in the western US. Their Signal app rewards safe driving, and they offer one of the strongest rideshare coverage programs available. Founded in 1928 and headquartered in Los Angeles, CA, Farmers Insurance holds an AM Best financial strength rating of A and scored 847 out of 1000 on the J.D. Power 2026 U.S. Auto Insurance Study.
Farmers Insurance Pros and Cons
- Strong rideshare coverage
- Signal safe-driver app
- Local agent network
- Customizable coverage
- Rates above average
- Agent availability varies by state
- Mixed claims reviews
Bottom line: Farmers Insurance is best for Rideshare drivers and western US residents.
Farmers Insurance Rates by Driver Profile
| Driver Profile | Estimated Annual Rate | vs. National Average | Assessment |
|---|---|---|---|
| Clean record — 35, good credit | $1,596 | $408 below avg | Average |
| One speeding ticket | $1,995 | +25% surcharge | Standard |
| At-fault accident | $2,314 | +45% surcharge | Standard surcharge |
| DUI conviction | $2,840 | +78% surcharge | Higher than average surcharge |
| Teen driver added | $2,904 | +82% surcharge | Standard teen surcharge |
Farmers Insurance Coverage Options
Farmers Insurance offers standard auto insurance coverage types including liability, collision, comprehensive, uninsured motorist, and medical payments. Gap insurance is not available directly from Farmers Insurance — you may need to purchase it from your dealer or a third party. Rideshare coverage for Uber and Lyft drivers is available from Farmers Insurance.
Is Farmers Insurance Right for You?
Farmers Insurance is an excellent choice for Rideshare drivers and western US residents. Our recommendation is to always compare Farmers Insurance's rate against at least 3 other insurers before committing. Insurance rates are highly individualized and the cheapest insurer varies by your specific driver profile, location, and vehicle. A comparison shopping session takes 10 minutes and can save you $400 to $2,000 per year.