← All carriers

Farmers Insurance — HonestPolicy Grade

Overall: C (score 47.5/100) · methodology v0.2.1 · generated 2026-07-10

Every figure on this page links to the public government record it was computed from (see Sources & provenance). The grade aggregates the complaint experience of all Farmers Insurance underwriting companies identified in each source, listed below with their raw complaint and exposure counts.

Automobile: B score 50.1/100 · composite relative index 0.99 · 7 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Automobile202580691,1902,48015,044,7980.70[tx]0.3
TX Automobile202460661,9891,59414,898,9760.85[tx]0.12
CA Automobile2025771,694,4351,78628,998,8650.74[ca_auto]0.2
CA Automobile20242421,694,4351,38828,998,8652.98[ca_auto]0.12
CA Automobile2023361,694,43585728,998,8650.72[ca_auto]0.08
NY Automobile202416$365.3M629$18,428M1.28[ny]0.12
NY Automobile202320$333.9M445$16,202M2.18[ny]0.06

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025FARMERS TEXAS COUNTY MUTUAL INSURANCE COMPANY (NAIC 24392)31164,2191.15 (TDI index)
TX · 2025FARMERS INSURANCE EXCHANGE (NAIC 21652) (tiny book — below the credibility floor on its own)01370.0 (TDI index)
TX · 2025TRUCK INSURANCE EXCHANGE (NAIC 21709) (tiny book — below the credibility floor on its own)06450.0 (TDI index)
TX · 2025MID-CENTURY INSURANCE COMPANY (NAIC 21687) (tiny book — below the credibility floor on its own)03690.0 (TDI index)
TX · 2025MID-CENTURY INSURANCE COMPANY OF TEXAS (NAIC 28673)14184,3150.46 (TDI index)
TX · 2025FARMERS LLOYDS INSURANCE COMPANY OF TEXAS (NAIC 13938) (tiny book — below the credibility floor on its own)25,3482.27 (TDI index)
TX · 2025FARMERS PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 26298)422,7191.07 (TDI index)
TX · 2025FARMERS DIRECT PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 25321) (tiny book — below the credibility floor on its own)03890.0 (TDI index)
TX · 2025FARMERS GROUP PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 34339) (tiny book — below the credibility floor on its own)03950.0 (TDI index)
TX · 2025FARMERS CASUALTY INSURANCE COMPANY (NAIC 40169) (tiny book — below the credibility floor on its own)02280.0 (TDI index)
TX · 2025FOREMOST COUNTY MUTUAL INSURANCE COMPANY (NAIC 29254)29267,2860.66 (TDI index)
TX · 2025FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN (NAIC 11185)044,2910.0 (TDI index)
TX · 2025FOREMOST PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 11800) (tiny book — below the credibility floor on its own)07370.0 (TDI index)
TX · 2025BRISTOL WEST SPECIALTY INSURANCE COMPANY (NAIC 33120) (tiny book — below the credibility floor on its own)01120.0 (TDI index)
TX · 2024FARMERS TEXAS COUNTY MUTUAL INSURANCE COMPANY (NAIC 24392)24224,8111.0 (TDI index)
TX · 2024FARMERS INSURANCE EXCHANGE (NAIC 21652) (tiny book — below the credibility floor on its own)113469.8 (TDI index)
TX · 2024TRUCK INSURANCE EXCHANGE (NAIC 21709) (tiny book — below the credibility floor on its own)05840.0 (TDI index)
TX · 2024MID-CENTURY INSURANCE COMPANY (NAIC 21687) (tiny book — below the credibility floor on its own)136425.7 (TDI index)
TX · 2024MID-CENTURY INSURANCE COMPANY OF TEXAS (NAIC 28673)9130,2260.65 (TDI index)
TX · 2024TEXAS FARMERS INSURANCE COMPANY (NAIC 21695) (tiny book — below the credibility floor on its own)2121558.91 (TDI index)
TX · 2024FARMERS LLOYDS INSURANCE COMPANY OF TEXAS (NAIC 13938) (tiny book — below the credibility floor on its own)17,1281.31 (TDI index)
TX · 2024FARMERS PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 26298)625,9682.16 (TDI index)
TX · 2024FARMERS DIRECT PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 25321) (tiny book — below the credibility floor on its own)04700.0 (TDI index)
TX · 2024FARMERS GROUP PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 34339) (tiny book — below the credibility floor on its own)04560.0 (TDI index)
TX · 2024FARMERS CASUALTY INSURANCE COMPANY (NAIC 40169) (tiny book — below the credibility floor on its own)02710.0 (TDI index)
TX · 2024FOREMOST COUNTY MUTUAL INSURANCE COMPANY (NAIC 29254)14226,1890.58 (TDI index)
TX · 2024FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN (NAIC 11185)244,4550.42 (TDI index)
TX · 2024FOREMOST PROPERTY AND CASUALTY INSURANCE COMPANY (NAIC 11800) (tiny book — below the credibility floor on its own)07920.0 (TDI index)
TX · 2024BRISTOL WEST SPECIALTY INSURANCE COMPANY (NAIC 33120) (tiny book — below the credibility floor on its own)01290.0 (TDI index)
CA · 2025/2024/2023FARMERS INSURANCE EXCHANGE (CDI rank 29)110 (3yr)944,4562025: 3.7, 2024: 4.2, 2023: 2.0 (per 100k)
CA · 2025/2024/2023MID-CENTURY INSURANCE COMPANY (CDI rank 12)14 (3yr)202,6382025: 1.5, 2024: 2.5, 2023: 1.8 (per 100k)
CA · 2025/2024/202321ST CENTURY CASUALTY COMPANY (CDI rank 43)200 (3yr)236,0342025: 11.0, 2024: 91.3, 2023: 0.0 (per 100k)
CA · 2025/2024/2023COAST NATIONAL INSURANCE COMPANY (CDI rank 33)26 (3yr)233,6102025: 5.6, 2024: 4.8, 2023: 1.3 (per 100k)
CA · 2025/2024/2023FOREMOST INS CO GRAND RAPIDS, MICHIGAN (CDI rank 3)5 (3yr)77,6972025: 0.0, 2024: 3.7, 2023: 1.9 (per 100k)
NY · 2024Mid-Century Insurance Company (NAIC 21687)1 (upheld, of 19 total)$31.7M (premiums)0.031576413 (DFS ratio, rank 70)
NY · 202421st Century Centennial Insurance Company (NAIC 34789) (tiny book — below the credibility floor on its own)2 (upheld, of 5 total)$14.2M (premiums)0.140410485 (DFS ratio, rank 104)
NY · 2024Farmers Casualty Insurance Company (NAIC 40169)0 (upheld, of 5 total)$36.3M (premiums)0.0 (DFS ratio, rank 6)
NY · 2024Farmers Group Property and Casualty Insurance Company (NAIC 34339)5 (upheld, of 38 total)$122.3M (premiums)0.04086907 (DFS ratio, rank 76)
NY · 2024Farmers Property and Casualty Insurance Company (NAIC 26298)5 (upheld, of 24 total)$116.6M (premiums)0.042895518 (DFS ratio, rank 77)
NY · 2024Economy Premier Assurance Company (NAIC 40649) (tiny book — below the credibility floor on its own)1 (upheld, of 1 total)$4.9M (premiums)0.205660518 (DFS ratio, rank 114)
NY · 2024Foremost Insurance Company Grand Rapids, Michigan (NAIC 11185) (tiny book — below the credibility floor on its own)1 (upheld, of 5 total)$11.8M (premiums)0.085066557 (DFS ratio, rank 95)
NY · 2024Foremost Signature Insurance Company (NAIC 41513)1 (upheld, of 11 total)$27.5M (premiums)0.036302123 (DFS ratio, rank 73)
NY · 2023Mid-Century Insurance Company (NAIC 21687)1 (upheld, of 11 total)$42.5M (premiums)0.023530817 (DFS ratio, rank 68)
NY · 202321st Century Centennial Insurance Company (NAIC 34789) (tiny book — below the credibility floor on its own)1 (upheld, of 6 total)$6.6M (premiums)0.152279699 (DFS ratio, rank 111)
NY · 2023Farmers Casualty Insurance Company (NAIC 40169)3 (upheld, of 6 total)$35.2M (premiums)0.085203412 (DFS ratio, rank 103)
NY · 2023Farmers Group Property and Casualty Insurance Company (NAIC 34339)10 (upheld, of 26 total)$104.8M (premiums)0.095386611 (DFS ratio, rank 106)
NY · 2023Farmers Property and Casualty Insurance Company (NAIC 26298)2 (upheld, of 19 total)$100.4M (premiums)0.019913883 (DFS ratio, rank 63)
NY · 2023Economy Premier Assurance Company (NAIC 40649) (tiny book — below the credibility floor on its own)0 (upheld, of 2 total)$5.1M (premiums)0.0 (DFS ratio, rank 32)
NY · 2023Foremost Insurance Company Grand Rapids, Michigan (NAIC 11185) (tiny book — below the credibility floor on its own)2 (upheld, of 7 total)$12.0M (premiums)0.166244337 (DFS ratio, rank 113)
NY · 2023Foremost Signature Insurance Company (NAIC 41513)1 (upheld, of 8 total)$27.3M (premiums)0.036679236 (DFS ratio, rank 80)

Homeowners: C score 44.9/100 · composite relative index 1.23 · 5 signals

Signals

SignalYear Group complaintsGroup exposure base Market complaintsMarket exposure base Relative indexWeight
TX Homeowners202541584,4991,1539,068,5180.55[tx]0.3
TX Homeowners202456489,6167339,050,7531.41[tx]0.12
CA Homeowners20251101,583,54450111,946,3011.66[ca_home]0.2
CA Homeowners20244631,583,5441,26511,946,3012.76[ca_home]0.12
CA Homeowners20232541,583,54467911,946,3012.82[ca_home]0.08

Relative index = (group share of complaints) ÷ (group share of exposure base); 1.00 = market average, lower is better. CA prior-year indices reuse the latest-year exposure mix (CDI publishes exposures for the most recent year only). CA market = the ~50 largest writers CDI studies.

Underwriting companies aggregated into this grade

Source · year(s)Company ComplaintsExposure base Regulator's own ratio
TX · 2025FARMERS INSURANCE EXCHANGE (NAIC 21652) (tiny book — below the credibility floor on its own)04,4890.0 (TDI index)
TX · 2025FIRE INSURANCE EXCHANGE (NAIC 21660)218,8650.83 (TDI index)
TX · 2025MID-CENTURY INSURANCE COMPANY OF TEXAS (NAIC 28673)18249,5610.57 (TDI index)
TX · 2025TEXAS FARMERS INSURANCE COMPANY (NAIC 21695)15226,3450.52 (TDI index)
TX · 2025FARMERS LLOYDS INSURANCE COMPANY OF TEXAS (NAIC 13938)611,7804.01 (TDI index)
TX · 2025FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN (NAIC 11185)073,4590.0 (TDI index)
TX · 2024FARMERS INSURANCE EXCHANGE (NAIC 21652) (tiny book — below the credibility floor on its own)15,0792.44 (TDI index)
TX · 2024FIRE INSURANCE EXCHANGE (NAIC 21660)226,0750.95 (TDI index)
TX · 2024MID-CENTURY INSURANCE COMPANY (NAIC 21687) (tiny book — below the credibility floor on its own)1112378.99 (TDI index)
TX · 2024MID-CENTURY INSURANCE COMPANY OF TEXAS (NAIC 28673)26149,6232.15 (TDI index)
TX · 2024TEXAS FARMERS INSURANCE COMPANY (NAIC 21695)22259,5511.05 (TDI index)
TX · 2024FARMERS LLOYDS INSURANCE COMPANY OF TEXAS (NAIC 13938)314,4392.57 (TDI index)
TX · 2024FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN (NAIC 11185)134,8480.36 (TDI index)
CA · 2025/2024/2023FARMERS INSURANCE EXCHANGE (CDI rank 45)329 (3yr)488,5242025: 9.6, 2024: 40.2, 2023: 24.0 (per 100k)
CA · 2025/2024/2023FIRE INSURANCE EXCHANGE (CDI rank 39)278 (3yr)687,5702025: 4.9, 2024: 22.7, 2023: 7.8 (per 100k)
CA · 2025/2024/2023MID-CENTURY INSURANCE COMPANY (CDI rank 48)186 (3yr)171,6982025: 14.0, 2024: 51.4, 2023: 31.8 (per 100k)
CA · 2025/2024/2023FOREMOST INS CO GRAND RAPIDS, MICHIGAN (CDI rank 19)34 (3yr)235,7522025: 2.1, 2024: 6.2, 2023: 5.6 (per 100k)

HonestPolicy Grades are calculated independently and without the endorsement of the NAIC, the Texas Department of Insurance, the California Department of Insurance, or the New York State Department of Financial Services. Underlying complaint statistics are public records of the named state agencies.

A HonestPolicy Grade is an editorial opinion about relative complaint experience, derived arithmetically from the public records cited on this page. It is not a recommendation to buy or avoid any insurance product. See methodology (v0.2.1) for the exact formula.

Sources & provenance

[tx] Texas Department of Insurance — Complaint indexes and policy counts for insurance companies — Texas Department of Insurance.
https://data.texas.gov/dataset/Complaint-indexes-and-policy-counts-for-insurance-/pa9u-9s9w
Retrieved 2026-07-10T10:07:49+00:00. Published on the Texas Open Data Portal for public reuse. Complaint index values are calculated by TDI.
[ca_auto] California Department of Insurance — 2026 Consumer Complaint Study (Automobile composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Auto.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ca_home] California Department of Insurance — 2026 Consumer Complaint Study (Homeowners composite) — California Department of Insurance.
https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/upload/2026-Consumer-Complaint-Study-Home.pdf
Retrieved 2026-07-10T10:07:51+00:00. Public record of the California Department of Insurance. Ratios are justified complaints per 100,000 earned exposures as calculated by CDI.
[ny] New York State Department of Financial Services — Automobile Insurance Company Complaint Rankings: Beginning 2009 — New York State Department of Financial Services.
https://data.ny.gov/Government-Finance/Automobile-Insurance-Company-Complaint-Rankings-Be/h2wd-9xfe
Retrieved 2026-07-10T10:07:51+00:00. Published on Open Data NY for public reuse. Per DFS: insurers are ranked by upheld consumer complaints (complaints where DFS agreed the insurer made an inappropriate decision) as a share of automobile premiums written in New York State; the ratio column is upheld complaints per $1 million of premium as calculated by DFS.

Full machine-readable provenance for every figure: data/grades.json (methodology v0.2.1, generated 2026-07-10T10:22:02+00:00).