Farmers Claim Complaints
Regulator data last updated October 24, 2026. Page edited by Ali Ahmad, MyAutoTriage editor.
Short answer
In Texas in 2025, Farmers' rate of confirmed auto complaints per policy was 70% of the average for all auto insurers (80 confirmed complaints). In New York's 2024 ranking, Farmers' rate of upheld complaints per premium dollar was 1.2 times the average (15 upheld complaints). In California's 2025 report on the 50 largest auto insurers, Farmers' rate of justified complaints per insured vehicle was 54% of the average (38 justified complaints).
Texas 2025
0.70
Fewer complaints than average
80 confirmed complaints, 689,828 auto policies. Average = 1.00.
New York 2024
1.22
About average
15 upheld complaints on $360 million of premium. Average = 1.00.
California 2025
0.54
Fewer complaints than average
38 justified complaints, 1,147,094 insured vehicles. Average of the 50 largest insurers = 1.00.
What stands out in Farmers' numbers
In Texas this page counts 10 companies selling as Farmers, with 689,828 auto policies in force between them; the largest, Foremost County Mutual Insurance Company, holds 39%.
"Poor claim handling or communication" came up in 49% of Texas complaints about Farmers, against 61% for all Texas auto insurers.
Farmers' Texas complaint index fell from 0.81 in 2024 to 0.70 in 2025 (57 confirmed complaints, then 80).
In New York's 2024 ranking, the 7 companies selling as Farmers placed between 6 and 104 of 128 auto insurers (1 = fewest upheld complaints for its premium).
In California's 2025 report, the 2 companies selling as Farmers placed between 12 and 29 of the 50 largest auto insurers (1 = fewest justified complaints for the vehicles it insures).
What Texas drivers complained about (2025)
In 2025 the Texas Department of Insurance closed 292 auto complaints about Farmers. The most common reasons:
- Poor claim handling or communication (49% of complaints)
- Low settlement offer (37% of complaints)
- Claim delays (30% of complaints)
- Policy service problems (17% of complaints)
- Premium refund (16% of complaints)
One complaint can list more than one reason. These counts include every complaint TDI closed that year, not only confirmed ones, and count by closing year the way TDI's complaint index does.
Did complaining get people paid?
51% of the 218 claim complaints about Farmers ended with the claim settled or more money paid, by TDI's record of how each was resolved. For all Texas auto insurers the figure was 58%.
If Farmers is stalling or lowballing your claim
- Put it in writing. Ask the adjuster by email for the reason for any delay or offer, and the policy language or valuation report behind it.
- Keep a dated record of every call, promise and document. State claim rules set deadlines for acknowledging, deciding and paying claims, and a record shows when they were missed.
- Send a written counter-offer with your own evidence: estimates, comparable cars, receipts.
- If that goes nowhere, file a complaint with your state insurance department. It's free, and the insurer has to answer it in writing.
Companies counted as Farmers
- 21st Century Centennial Insurance Company (TX, NAIC 34789)
- Farmers Group Property and Casualty Insurance Company (TX, NAIC 34339)
- Farmers Casualty Insurance Company (TX, NAIC 40169)
- Farmers Property and Casualty Insurance Company (TX, NAIC 26298)
- Mid-Century Insurance Company (TX, NAIC 21687)
- Foremost County Mutual Insurance Company (TX, NAIC 29254)
- Foremost Insurance Company Grand Rapids, Michigan (TX, NAIC 11185)
- Farmers Texas County Mutual Insurance Company (TX, NAIC 24392)
- Mid-Century Insurance Company of Texas (TX, NAIC 28673)
- Farmers Lloyds Insurance Company of Texas (TX, NAIC 13938)
- Farmers Casualty Insurance Company (NY, NAIC 40169)
- Mid-Century Insurance Company (NY, NAIC 21687)
- Foremost Signature Insurance Company (NY, NAIC 41513)
- Farmers Group Property and Casualty Insurance Company (NY, NAIC 34339)
- Farmers Property and Casualty Insurance Company (NY, NAIC 26298)
- Foremost Insurance Company Grand Rapids, Michigan (NY, NAIC 11185)
- 21st Century Centennial Insurance Company (NY, NAIC 34789)
- Mid-Century Insurance Company (CA)
- Farmers Insurance Exchange (CA)
Frequently asked questions
Does Farmers have a lot of complaints?
In Texas in 2025, Farmers' rate of confirmed auto complaints per policy was 70% of the average for all auto insurers (80 confirmed complaints). In New York's 2024 ranking, Farmers' rate of upheld complaints per premium dollar was 1.2 times the average (15 upheld complaints). In California's 2025 report on the 50 largest auto insurers, Farmers' rate of justified complaints per insured vehicle was 54% of the average (38 justified complaints).
What does a complaint index of 1.00 mean?
1.00 is the average for all auto insurers in that state, adjusted for size. A score of 0.50 means half as many complaints as expected for the company's size; 2.00 means twice as many. Farmers' Texas score of 0.70 means 70% of the average.
Sources
- Texas Department of Insurance, Complaint indexes and policy counts for insurance companies (2025, automobile)
- Texas Department of Insurance, Insurance complaints: All data
- New York Department of Financial Services, Automobile Insurance Company Complaint Rankings (filing year 2024)
- California Department of Insurance, Automobile Complaint Composite Report (complaint year 2025)
- NAIC, How to file a complaint with your state insurance department
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