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Auto Insurance

Why Farmers Auto Insurance is a Smart Choice

At Farmers, we know that insuring your vehicle is more than just a basic obligation. It’s a vital and legal necessity in your world...and these days, your needs may go well beyond “basic.”

That’s why Farmers has spent 85 years building the Smart Choice in Auto insurance, to bring you more than simple coverage. With Farmers, Auto insurance comes with quality coverage, convenience, and personalized service far beyond basic. Yes, it can cover injuries and damages caused by an accident, if you’re legally responsible. However, Farmers goes further, delivering the accessibility, convenience, and options you want, along with the personal touch of your own neighborhood agent.

24/7 protection

Our award-winning Farmers Claim Services is open 24 hours a day, 7 days a week to process your claim, guide you through the process, and get you back on the road safely.

View or report a claim.

Insight and guidance

Farmers has spent a lifetime building a strong, trustworthy, and knowledgeable business. We put all of our products, resources, agents, information, and experience at your disposal.


You’re in the driver’s seat. Register your policy and manage, change, and update it quickly.

View your My Farmers account now.


Manage your policy your way, with the Farmers Mobile App, paperless policy documents and billing, and online automatic bill payments.

Learn more about paperless billing & policies.

What’s in your garage? You might be practical when you choose cars — a versatile hatchback or minivan is just the thing.  Perhaps you prefer the rugged image of an SUV, or like to reward yourself with a convertible or luxury sedan. Maybe you're a car collector and also have a classic muscle car or vintage sports car for weekend cruising.

Whatever you drive, you know you need insurance for your car and assets. We have the coverage options that enable you to get the auto insurance policy you want.

Call 661-325-5000 or Click "Start a Quote" above.  It's fast and free!

What are the different types of car insurance?

You might be looking to build your own personalized auto coverage plan, or maybe you would like to have a little more knowledge about a necessary part of car ownership. Regardless of the circumstances, we want you to be as educated as you can be. Below is a quick overview of various car insurance coverage types:


  • Covers the cost of injury to others and damage to their property when you’re at fault

  • Required by law in nearly all states


  • Pays to repair or replace your own vehicle when you’re at fault

  • Covers collisions with other vehicles, objects and animals


  • Covers damage to your car caused by things besides a collision

  • Includes hail, wind, theft, fire, vandalism, animal damage and more   

Uninsured / Underinsured Motorist

  • Covers your losses caused by an uninsured or underinsured driver 

  • Helps pay for damage to your car and bodily injury to you and your passengers 

Medical Payments

  • Helps with the cost of medical care for you and your passengers resulting from injuries in an accident

  • Provides this coverage no matter who’s at fault

Personal Injury Protection (PIP)

  • Helps cover the cost of your rehabilitation and lost wages resulting from an accident
    Covers you no matter who’s at fault

Towing and roadside service

  • Provides 24/7 roadside assistance if your car is disabled

  • Helps pay for towing, tire changing, locksmith service and jumpstarts 

Rental Car Reimbursement

  • Covers the cost of a renting a car for up to 30 days while yours is repaired

  • Arrangements and billing can be handled by Farmers  


  • Helps protect drivers for rideshare companies like Uber and Lyft

  • Provides coverage during periods not covered by company or personal insurance

Loss of Use

  • Provides a flat sum for transportation while your car is repaired

  • Can be used for public transit, rentals, taxis and rideshare services   

Customized Equipment

  • Covers the cost to repair or replace aftermarket equipment like infotainment systems and custom wheels

  • Available on any vehicle with collision and comprehensive coverage

Personal Umbrella

  • Provides additional liability coverage — above the limits on your auto policy

  • Helps protect your assets from lawsuits

Glass Deductible Buyback

  • Covers windshield and glass repair and replacement

  • Low $100 deductible (the portion you pay yourself)

Original Equipment Manufacturer (OEM)

  • Covers the cost of using factory-original parts in covered repairs

  • Available on cars up to 10 years old


So what does all that mean? Here are some of typical scenarios a driver may face and how coverage is effected: 


You cause an accident


You cause a minor collision when glare from the setting sun blinds you in rush hour traffic. Damage is relatively minimal, but the other driver says her neck is in pain.


Liability insurance coverage pays for bodily injury and property damage to another that results from covered losses you cause.

You accidentally damage your own car


You’re on your way to a ski weekend when you lose traction on an icy road — the impact when you slide into a guardrail damages your SUV’s front fender.


Collision coverage can help repair your vehicle if it’s damaged — or compensate you for its value if it’s a total loss.

A hailstorm dents your car


A sudden hailstorm cracks your car’s windshield and leaves dozens of dents on the hood, roof and trunk of your vehicle.


Comprehensive coverage can help when your car is damaged by something other than a collision.

An uninsured driver hits you


You suffer minor injuries when another driver runs a red light and clips your car’s rear fender. On top of it all, the driver doesn’t have auto insurance.


Uninsured motorist coverage covers the costs of your bodily injuries — up to your policy limit – when they are caused by an at-fault driver without any auto insurance. Underinsured motorist coverage picks up the costs of your injuries when an at-fault driver has some insurance, but not enough to cover all of your damages.

Your son is injured in a single-car wreck


Your son and a passenger are both injured when his subcompact hits a tree.


Medical payments coverage can help with medical expenses if they’re caused by a covered accident — regardless of fault.

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