Farmers InsuranceReviews of farmers.com

Awful an mean they are inconsiderate

The have incompetent overseas agents who don’t know what they are doing and mislead me for three months telling me I have a credit when I didn’t so I didn’t pay and then they charged me close to 2000.

I, as a first time ever roadside user and 62 year old fixed income female, had a very bad experience. I requested roadside help for a battery jump, but instead the driver removed my battery, took $200, left, came back with a different battery that did not fit my car, and did not provide a receipt, proper accounting, or change. This happened on 3/7/26. I have video of the battery being removed, money being taken, and the return with the wrong battery. I would not recommend this service.

Got a policy for my new car in June 2025. Fast forward 4 months later and the policy was cancelled. No emails, no calls, texts or snail mail. Fast forward a few months after (April 15th, 2026) that I called to ask a question about my policy and found out my policy was cancelled in Nov 2025. They said because of expired drivers license. For some reason Farmers pulled a 14 year old drivers license from a different state that expired in 2015 despite me being in Oregon for the last 14 years and a valid Oregon DL and valid Oregon residence (Both of which were provided to Timothy of Farmers). I told them they needed to reinstate my policy and they refused. The told me I had to get a new policy. Low and behold the new policy was 60% more expensive. IMHO, I think Farmers and their agents know they are doing this. This seems to me like a tactic to get more money from you. I have since gone with another insurance company. I highly recommend that if you have a policy with Farmers that you be sure you check your bank statement each month to see that they are debiting it. If they are not then you'll be in the same situation as me and that is VERY bad if you have a brand new car that requires full coverage. The kicker is that when I called a couple weeks ago, they emailed me the cancellation notice (4 months after the fact). I am in the process of seeking legal council for this. I do NOT recommend Timothy Frazier or Farmers insurance. It's of my opinion they are out to scam you. Proceed at your own risk.

I purchase a 10 year annuity at 5.8% guaranteed. The first 3 months I have been shorted on every payment. Getting no help from the customer service department at Farmers I got the financial advisor who sold me the policy involved. He still hasn’t heard back with a response It has been over 3 weeks

I should have came here first and saved myself this frustration these past couple months. Absolutely terrible company. Ryan Reader is the most insulting, rude and unprofessional agent I’ve ever worked with. Our mortgage company failed to send our insurance payment from escrow back in September 2025, which resulted in us receiving a cancellation notice. We immediately contacted Ryan and paid the full year’s premium out of pocket to avoid losing coverage. At that time, he assured us he would submit the necessary information to our mortgage company as our mortgage was sold shortly to another after purchase which Ryan explained to us, so the payment could be processed and we would be reimbursed for the duplicate payment. Unfortunately, that never happened. Now Ryan is back tracking and saying we wouldn’t be reimbursed. Despite multiple requests for clarification, Ryan refused to speak with us by phone and would only respond via email, which made the situation more confusing. I even had a representative from our mortgage company reach out to him directly twice and provided their name and contact information so he could coordinate the reimbursement. He never returned their calls either. When Ryan finally did call us today, he repeatedly spoke over me while I tried to explain the process outlined by our mortgage company, and ultimately hung up on me when I asked him to stop interrupting. To make matters worse, he insisted that reimbursement from the insurance company was not possible based on his “10 to 20 years of experience,” and that only the mortgage company could issue the refund to me directly. However, after speaking directly with my insurance company today (something you would think my insurance agent would do for me to get his commission), the insurance folks were professional and actually willing to help, I was informed that once they receive payment from the mortgage company, they (the insurance company) will in fact reimburse me directly, not my mortgage company like Ryan kept insisting, exactly what I had been trying to explain all along. Overall, this was an incredibly frustrating experience marked by poor communication, lack of follow through, and unprofessional behavior. I strongly recommend using caution if considering this agency and keeping close track of your payments.

This insurance company is a scam. Their home policy is not cheap. When it comes time to claim, they do know how to deny with generic reasoning like "damage not due to wind", "wear and tear" so that it is very difficult for you to fight back. Best to avoid them altogether.

Farmers gives me a quote and finalizes everything. All papers signed and printed and they directly stated everything has been finalized and I am OKAY TO DROP MY INSURANCE PROVIDER explicitly... I drop my other insurer... A month later Farmers calls me and says that I need a new fence or they will drop me... I told them they said everything was finalized and this incorrect sequence leaves me out of luck when if they where just honest, I could have done the fence under my old insurance provider... They essentially cost me 2,500$ for lieing to get my business... If I press the issue I might win but then would have to put up with finding a different insurer with my bad mark. They optimize for how much they can screw you to make it not worth legally fighting it.