Farmers Insurance lets you pay your bill through their website, mobile app, or by phone, and you can set up automatic payments so the bill comes out on its own schedule.
The fastest way is to log into your Farmers account online at farmers.com, find your policy, and pay right there. You can also use the Farmers mobile app if you have it installed. If you prefer not to use the website, you can call Farmers directly and give your payment information over the phone. All three methods process the same day or next business day, depending on when you submit the payment and which payment method you use.
You will need your policy number and a way to pay — a checking account, savings account, debit card, or credit card. Farmers does not charge a fee for paying online or by phone with a bank account, but they may charge a fee if you pay with a credit card. Check the fee before you confirm the payment.
Key Takeaways
- You can pay through the Farmers website, mobile app, or by phone without paying an extra fee if you use a bank account.
- Credit card payments may include a processing fee, so compare the cost before you choose that method.
- Automatic payments pull money from your bank account on the date your bill is due each month, so you will not miss a payment.
- If you miss a payment, Farmers will typically send a notice before they cancel your policy, but the exact timeline depends on your state and policy type.
- You can change or stop automatic payments anytime through your online account or by calling Farmers customer service.
Paying through the Farmers website
Go to farmers.com and sign in with your username and password. If you do not have an online account yet, you will need to create one using your policy number and other identifying information. Once you are logged in, look for a section labeled "Billing," "Pay Now," or "Manage My Policy" — the exact wording varies depending on which type of policy you have.
Click on the bill you want to pay. Farmers will show you the amount due, the due date, and any late fees that will apply if you do not pay by that date. Enter your payment method — bank account, debit card, or credit card — and the amount you want to pay. You can pay the full amount due, make a partial payment, or pay more than the minimum if you want to get ahead. Review the details, then submit the payment.
The payment will process immediately or the next business day, depending on the time you submit it and your bank's processing speed. Farmers will send you a confirmation email with the transaction number and the date the payment will appear in your account. Keep this confirmation in case you need to reference the payment later.
Using the Farmers mobile app to pay
Download the Farmers Insurance app from the Apple App Store or Google Play Store. Sign in with the same username and password you use on the website. Tap the section for billing or payments — this is usually on the home screen or in a menu labeled "Account" or "My Policy."
Select the policy you want to pay and the bill you want to pay. The app will show the same information as the website: the amount due, the due date, and any late fees. Enter your payment method and amount, review the details, and submit. You will get a confirmation number on the screen and in an email.
The app works the same way as the website, so use whichever is easier for you. Some people find the app faster because they can access it without typing in a web address, while others prefer the website because it is easier to see multiple bills at once.
Paying by phone
Call Farmers customer service at the number on your bill or policy documents. A representative will ask for your policy number and the amount you want to pay. They will also ask which payment method you want to use — checking account, savings account, debit card, or credit card.
If you pay with a bank account, there is no fee. If you pay with a credit card, ask the representative what the fee will be before you give them your card number. The representative will process the payment over the phone and give you a confirmation number. Write down the confirmation number and the date and time of the call in case you need to reference it later.
Phone payments work during Farmers' business hours, which are usually Monday through Friday during daytime hours, though some offices have extended hours. Check your bill or the Farmers website for the exact hours in your area.
Setting up automatic payments
Automatic payments take money from your bank account on the due date each month, so you do not have to remember to pay. Log into your Farmers account online, go to the billing section, and look for an option to set up autopay or automatic payments. You will need to provide your checking or savings account number and routing number.
Farmers will ask you to confirm the amount and the date each month when the payment should come out. Most people choose the due date shown on their bill. You can change the amount or the date anytime, or stop automatic payments entirely, by logging back into your account or calling customer service.
Automatic payments are free and reduce the risk of missing a payment by accident. If your bill amount changes — for example, if you add or remove coverage — Farmers will adjust the automatic payment amount on your next bill, and they will notify you of the change.
What happens if you miss a payment
If your payment is not received by the due date, Farmers will send you a notice. The notice will tell you how much you owe, when it is due, and what will happen if you do not pay. The exact timeline before Farmers cancels your policy varies by state and by the type of policy you have, but it is usually 10 to 30 days after the due date.
If you miss a payment, pay as soon as you can. Log into your account, call Farmers, or use the app to make the payment. If your policy has already been canceled, you will need to contact Farmers to reinstate it. Reinstatement may require a new application and underwriting, and your rates may change.
Late payments can also affect your credit score if Farmers reports the missed payment to a credit bureau. This is more likely to happen if the payment is very late or if you have missed multiple payments. Paying as soon as you realize you are behind will reduce the damage.
Fees and payment method costs
Farmers does not charge a fee for paying online, through the app, or by phone if you use a bank account (checking or savings). If you pay with a debit card or credit card, Farmers may charge a processing fee. The fee amount varies and is usually shown before you confirm the payment, so you can see the total cost before you decide whether to proceed.
Some credit card companies charge a cash advance fee if you use a credit card to pay an insurance bill, even though it is not technically a cash advance. Check with your credit card company before you pay with a credit card to see if they charge this fee. If they do, paying with a bank account or debit card will be cheaper.
If you set up automatic payments from a bank account, there are no fees. This is usually the cheapest way to pay if you want to avoid processing fees.
Frequently Asked Questions
Can I pay my Farmers bill with a credit card online?
Yes, but Farmers may charge a processing fee for credit card payments. The fee will be shown on the payment screen before you submit, so you can see the total cost. Some credit card companies also charge a cash advance fee for insurance payments, so check with your card issuer first.
How long does it take for an online payment to show up in my Farmers account?
Payments submitted online or through the app usually process the same day or the next business day. Farmers will send you a confirmation email with the date the payment will appear. If you pay after 5 p.m. or on a weekend, it may take until the next business day to process.
What if I want to pay more than the amount due?
You can pay any amount you want, including more than the amount due. The extra money will be held as a credit on your account and applied to your next bill. You can also request a refund of the overpayment by calling Farmers customer service.
Can I change or cancel automatic payments?
Yes. Log into your Farmers account and go to the autopay settings, or call customer service. You can change the payment amount, change the due date, or stop automatic payments entirely. Changes usually take effect within one to two business days.
What should I do if my payment was rejected?
If your bank account or card was declined, Farmers will send you a notice. Log back into your account and try again with a different payment method, or call customer service to find out why the payment failed. Common reasons include insufficient funds, an expired card, or a closed bank account.