Reputation grade
D
Peer-relative, A–F
Insurer profile · Zurich · NAIC + CMS
Farmers Insurance
Farmers Insurance's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- D
- Reputation grade
- 1.56
- Complaint index
- 42
- States active
The verdict
Farmers Insurance earns a D reputation grade - a worse-than-average record versus peers, according to the NAIC's published complaint index, its ratio runs 1.56, above the 1.0 market average.
- D
- reputation grade
- 1.56
- NAIC complaint index
NAIC complaint index
1.56
1.0 = market average; lower is better
Est. complaint volume
~8,049
across 42 states, index-derived
Graded on 1 of 3 measures: NAIC complaints. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.
How we calculated this grade →Where Farmers Insurance sits on complaints
- Best in data 0
Lowest complaint index in PlainInsurer's dataset: 0.23
0 complaint index
- Market avg 1
Market average complaint index = 1.0 (NAIC benchmark)
1 complaint index
- Farmers Insurance
Farmers Insurance: complaint index 1.56
2 complaint index
- Worst in data
Highest complaint index in PlainInsurer's dataset: 3.87
4 complaint index
What this shows Farmers Insurance's complaint index of 1.56 is 56% above the 1.0 market average for a carrier of its size.
Farmers Insurance vs. the full rated-insurer dataset
156% 29th percentile more affordable than 29% of 72 rated insurers
Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source NAIC published complaint index (2024) · 2024
Scale vs. complaint-adjusted score
Complaint record by line of business
| Line | Est. complaints | Complaint index | States active |
|---|---|---|---|
| Auto Insurance | ~8,049 | 1.56 | 42 |
What the data shows for Farmers Insurance
According to PlainInsurer's dataset, Farmers Insurance has a lower (better) NAIC complaint index than 29% of the 72 rated insurers it tracks and ranks #12 of 21 carriers by complaint ratio in Auto Insurance.
Farmers Insurance, part of Zurich, carries a D reputation grade in PlainInsurer's dataset, with a composite score of 37.6 (higher means more consumer friction relative to size). Its NAIC complaint index of 1.56 sits above the 1.0 market average, meaning policyholders escalate more disputes to regulators than is typical for a carrier of its premium volume.
Farmers Insurance does not appear in the CMS marketplace claim-denial file, which covers individual-market health issuers, common for auto, home and life carriers. The carrier reports activity across 1 line of business.
Farmers Insurance is outside the CMS marketplace file, but the claim-denial rate ranking shows what that data reports for the carriers it does cover.
Source: NAIC Consumer Information Source complaint data (2024). See methodology.
Farmers Insurance carries an A.M. Best Financial Strength Rating of A (Excellent) as of August 2025 (claims-paying ability, not complaint or service quality). Source: AM Best.
Aggregates only, not advice. Full terms on the disclaimer.
Other D-graded carriers in PlainInsurer's dataset include Globe Life and Primerica Life Insurance, and the closest overall composite score to Farmers Insurance's 37.6 belongs to Molina Healthcare of Utah (37.8), each rescaled across the measures that carrier reports.
Farmers Insurance is part of the Zurich family, alongside Farmers Property in PlainInsurer's dataset -- a shared parent doesn't mean shared performance, so check each subsidiary's own record before assuming they behave alike.
Other D-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Globe Life | D |
| Primerica Life Insurance | D |
| Liberty Mutual Homeowners | D |
| GEICO | D |
| Farmers Property | D |
Closest composite score to Farmers Insurance
Carriers with the nearest overall composite score (37.6)
| Insurer | Composite score |
|---|---|
| Molina Healthcare of Utah | 37.8 |
| UnitedHealthcare of Texas, Inc. | 37.3 |
| Molina Healthcare of Ohio, Inc. | 38.4 |
| Cigna HealthCare of Texas, Inc. | 36.8 |
| Molina Healthcare of Wisconsin, Inc. | 36.2 |
Questions about Farmers Insurance
What does Farmers Insurance's grade mean?
Farmers Insurance received a grade of D, indicating a worse-than-average record versus peers.
How many complaints does Farmers Insurance have?
PlainInsurer estimates Farmers Insurance's complaint volume at roughly 8,049 across 42 states, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data).
How do I file a complaint against Farmers Insurance?
File against Farmers Insurance through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Farmers Insurance a good insurance company?
PlainInsurer's D grade for Farmers Insurance reflects a worse-than-average record versus peers relative to peers on published complaint and denial data.
What types of insurance does Farmers Insurance offer?
Based on NAIC filing data, Farmers Insurance reports activity in 1 line of business: Auto Insurance. Availability varies by state.
Verify Farmers Insurance
Farmers Insurance is filed with the NAIC under company number 21628. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.
Verify on NAIC Consumer Information SourceSource: NAIC published complaint index data Complaint index, reputation grade for Farmers Insurance · 2024
Share, download, and related pages for Farmers Insurance
Download the data behind this page
The full PlainInsurer extract, covering every insurer including Farmers Insurance, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.
Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.