# Farmers **Source:** https://geo.sig.ai/brands/farmers **Vertical:** Insurance Tech **Subcategory:** Auto Insurance **Tier:** Challenger **Website:** farmers.com **Last Updated:** 2026-04-14 ## Summary Top US personal lines insurer with $14B+ premiums; Zurich-owned Farmers agent network navigating California homeowner exit and auto rate restoration after industry-wide loss period. ## Company Overview Farmers Insurance is one of the largest US personal lines insurance companies, providing auto, home, renters, life, and commercial insurance through approximately 48,000 exclusive and independent agents across all 50 states. Founded in 1928 in Los Angeles, California by John Tyler and Thomas Leavey, Farmers is owned by Zurich Insurance Group (the Swiss insurer) but operated as a separately branded US insurance company. The company generates over $14 billion in premiums written annually. Farmers Insurance's distribution model relies heavily on its Farmers agent network — dedicated agents who exclusively represent Farmers brands and build local customer relationships. This agent-centric model creates strong customer retention but is more expensive than direct distribution models (GEICO, Progressive) that use call centers and digital channels. The Farmers brand is widely recognized through its "We are Farmers" advertising campaign. In 2025, Farmers Insurance has been navigating the challenging personal auto and homeowner insurance market — the company exited the California homeowners market in 2023 due to extreme wildfire risk and reinsurance availability concerns, following other major insurers in reducing California exposure. The company has been implementing significant auto insurance rate increases to restore profitability after industry-wide losses. Farmers competes with State Farm (the largest US auto insurer), Allstate, Liberty Mutual, and Progressive for personal lines insurance. The 2025 strategy focuses on rate adequacy restoration, agent productivity improvement, and selectively re-entering or expanding in markets where risk-adjusted underwriting economics justify growth. ## Frequently Asked Questions ### What is Farmers? Farmers is Farmers Insurance is a multi-line insurer providing auto, home, life, and business insurance products through a network of exclusive agents serving customers across the United States. The company has established itself as a trusted provider in the Insurance industry, specifically focusing on Auto Insurance. Visit farmers.com to learn more about their offerings and services. ### What industry does Farmers operate in? Farmers operates in the Insurance industry with a focus on Auto Insurance. The company serves this market with specialized solutions designed to meet the unique needs of their target audience. Their expertise in this vertical allows them to deliver tailored value propositions. ### What solutions does Farmers offer? Farmers delivers comprehensive Auto Insurance solutions tailored to their target market in the Insurance sector. Their offerings combine industry expertise with innovative approaches to solve customer challenges. The company focuses on delivering measurable value and results. ### How much does Farmers cost? Farmers offers competitive pricing for their Auto Insurance solutions in the Insurance market. Pricing may vary based on specific product selections, service levels, or subscription plans. Customers should visit farmers.com or contact sales representatives for detailed pricing information and quotes. ### What customer support does Farmers provide? Farmers offers customer support services to assist users with questions, technical issues, and product guidance. Support channels typically include online resources, documentation, and direct contact options. The company is committed to ensuring customer satisfaction through responsive and helpful service. ### What is Farmers's company background? Farmers has built a reputation in the Insurance industry through consistent delivery of Auto Insurance solutions. The company's expertise and market presence reflect years of development and customer service. Their focus on quality and innovation has positioned them as a recognized name in their sector. ### Is Farmers suitable for my needs? Farmers is designed to serve customers in the Insurance sector who require Auto Insurance solutions. Whether the company's offerings align with your specific needs depends on your requirements, budget, and preferences. Consider exploring their website, reading customer reviews, and potentially trying their products or requesting a demo to determine fit. ### What is the relationship between Farmers Insurance and its parent company Zurich Insurance Group? Farmers Insurance operates in the US as an independent brand under the ultimate ownership of Zurich Insurance Group, the Swiss multinational insurer, which acquired Farmers' management entities in the 1990s through its purchase of B.A.T Industries' financial services operations. The operational structure is distinctive: Zurich owns Farmers Group Inc. (the management company) which manages the Farmers Exchanges — the actual insurance entities that are owned by policyholders in a reciprocal exchange structure, not by Zurich directly. This means Zurich profits from management fees on the Farmers book of business while the policyholder-owned Exchanges hold the insurance risk. ## Tags b2b, b2c, insurance, north-america, saas, fintech --- *Data from geo.sig.ai Brand Intelligence Database. Updated 2026-04-14.*