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Foremost Car Insurance

Smart Score

91

Industry Average: 75

Smart Score

91
/100

Industry Average: 75

Customer Service

10
/10

Industry Average: 7.7

Claims Process

9.3
/10

Industry Average: 8

Value for Price

8.4
/10

Industry Average: 7

Foremost Overview

Today a part of the Farmers Insurance Group of Companies, Foremost was founded in 1952, and offers insurance policies in all 50 states and Washington, D.C. through more than 38,000 Independent Agents. If you're looking for in-person service right in your community, you might want to have a look at Foremost. While Foremost is well known for specializing in RV insurance, its auto insurance options are also quite popular, as well as wide range of home and vehicle coverages.

Lines of Business:

Foremost Ratings Breakdown

Smart Score

91

Foremost: 91
Industry Average: 75
Foremost: 91
Industry Average: 75

Why our Smart Score matters

Foremost’s Smart Score of 91 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Foremost’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 91, Foremost rises above the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

10

Foremost: 10
Industry Average: 7.7
Foremost: 10
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Foremost’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Foremost’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Foremost’s service score of 10, they have a solid rating compared to similar auto insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

9.3

Foremost: 9.3
Industry Average: 8
Foremost: 9.3
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Foremost. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Foremost handles it.


Foremost’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Foremost.


What does this mean for you?

Evident from a claims score of 9.3, Foremost has an outstanding rating compared to the average claim score of 8 for similar auto insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

8.4

Foremost: 8.4
Industry Average: 7
Foremost: 8.4
Industry Average: 7

Foremost’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Foremost comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Foremost’s value for price score of 8.4 is excellent compared to the average of 7 from other auto insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

Foremost Auto Official Complaints

Official Complaints

Better than average

Tracks how many more or less official complaints Foremost has than average. With an index of 0.68 Foremost is better than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Foremost has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Foremost has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0.68 Foremost is better than average.

Customer Reviews

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0 Reviews

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100%

of customers would reccomend this company to a friend

2 customer reviews

Zoya N

Auto Customer

Foremost agreed to cover me at a reasonable price when I was having difficulty getting coverage due to some tickets I had gotten. That was nearly 8 years ago, and Foremost now covers both my cars and my RV. They work quickly to get you a binder number so you have insurance right away, and they are willing to help you out if your driving record isn't perfect. I plan to stay with them as long as I have my cars.

Price Value: 4

Claim Satisfaction: n/a

Customer Service: 5

Recommend: yes

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HonestPolicy User

Auto Customer

Foremost offers comprehensive coverage at affordable rates. The customer support is very helpful, and the employees are friendly. The policies offered are very fair with very little exclusions or fine print.

Price Value: -

Claim Satisfaction: n/a

Customer Service: -

Recommend: yes

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Foremost Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Foremost

Available OptionsWhat it meansSee something wrong?
Emergency Assistance Coverage

Covers cost of any emergency services called when involved in an incident

Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Gap Insurance

Helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value.

Original Equipment Manufacturer Coverage

Helps ensure aftermarket parts will not be used when repairs are made to your vehicle

Work Loss Coverage

Insurance that covers some of the lost wages an insured would have as a result of a car accident.

Personal Auto Plus

Covers multiple additional incidents such as airbag replacement, aftermarket electronic equipment and accessories, lodging, etc.

Foremost availability in these states

Foremost Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Foremost has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Good Driver

Typically relates to a driver's history (or lack thereof) of accidents and violations. Often has a 3 to 5 year lookback period.

Passive Restraint

Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.

Anti Theft Device

This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.

Compare

How does Foremost compare to other insurance companies? Click the following links below to compare Foremost to other top insurance companies.

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