Foremost Insurance's options include more than just car or home coverage — the brand also offers policies for hard-to-insure items like snowmobiles, golf carts, RVs and motor homes.
Foremost has been in the insurance business since 1952 and became a part of Farmers in 2000. In its early years, the brand pioneered coverage for mobile homes and later expanded into travel trailers and RVs. Since then, it has continued to expand its offerings and partnered with brands like AARP and USAA to bring coverage to those with unique needs.
If you're considering a policy with Foremost, here's what you need to know about the brand.
Foremost Auto Insurance
Optional coverages
Loan/lease coverage, roadside assistance, rental reimbursement
Discounts
Multi-car, paperless, multi-policy
Policy highlights
Foremost offers car insurance in every U.S. state and specializes in covering high-risk drivers who may not be able to get coverage elsewhere.
Pros
- Can cover high-risk drivers
Cons
- Costs may be higher than competitors
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Types of Foremost Insurance coverage
Here is Foremost's full list of coverage options:
- Homeowners insurance
- Auto insurance
- Vacant home or condo insurance
- Landlord insurance
- Seasonal home insurance
- Owner-occupied condo insurance
- Flood insurance
- Classic and collectible car insurance
- Motorcycle insurance
- Off-road vehicle insurance
- Golf cart insurance
- Snowmobile insurance
- RV insurance
- Scooter insurance
- Boat and watercraft insurance
Pros and cons of Foremost Insurance
- Diverse insurance options: From golf carts to snowmobiles, Foremost covers vehicles and scenarios other insurers don't.
- May cover those who can't get coverage elsewhere: From drivers with multiple accidents or tickets, to homes in high-risk locations, Foremost specializes in these scenarios and could help you get the coverage you need.
- Prices may be higher than they would be elsewhere: Since Foremost focuses on unique and higher-risk individuals and scenarios, prices tend to be above average. That's especially true for auto insurance. If you don't need specialty coverage or can get covered elsewhere, you may find lower prices.
Foremost auto insurance costs
If cost is your primary concern and you can get coverage elsewhere, Foremost may not be your best bet. The average driver with Foremost pays about $1,776 for a six-month policy, according to data from the home and car insurance comparison site The Zebra. That's about 49% more than the national average of $1,162.
How does Foremost compare to other insurers?
Foremost isn't the only company that offers coverage to those who might not find what they need at a mainstream insurer. Here's how it stacks up to competitors:
Foremost vs. Mercury
Foremost and Mercury overlap in offering homeowners, renters, condo and auto insurance. For auto insurance specifically, Mercury takes the crown for cost — the average price is about $1,458 for six months of full coverage, though both brands cost more than the national average of $1,162 for six months.
Mercury Auto Insurance
Cost
The best way to estimate your cost is to get a personalized quote
App available
Yes
Policy highlights
Mercury offers affordable auto insurance and convenient online quotes and claim filing. Discounts are available for anti-theft features, bundling and for paying premiums in full.
Pros
- Affordable rates in California
- Rideshare insurance available under $1 per day
- Repairs made by an authorized garage are guaranteed
Cons
- Auto insurance only available in 11 states
- Rated below average for customer satisfaction by J.D. Power
- No gap insurance coverage
For those who want to compare quotes online quickly, Mercury is likely a better option, since most customers will need to work with one of Foremost's agents to get a quote.
For auto insurance customers who don't drive much, Mercury also offers a telematics program called MercuryGO. It can help customers earn a discount for signing up and, if you're a good driver, help you save up to 40% at renewal.
Foremost vs. Dairyland
Dairyland offers auto insurance in addition to motorcycle, snowmobile, ATV and dirt bike insurance, so there is some overlap in specialty coverage. However, those who want to bundle their homeowners insurance with their auto coverage won't find that option with Dairyland.
- Insures drivers who might otherwise have a hard time getting coverage due to credit scores or accidents
- Can help drivers file an SR-22 certificate with their state, if necessary
- Also offers coverage for motorcycles and off-road vehicles for bundling
- California policies include limited coverage for driving in Mexico
- Not available in all 50 states
- Higher-than-average rates
- Limited number of discounts
For auto insurance, both brands could help you get covered if you have a less-than-perfect driving record. However, Foremost stands out in terms of cost: a six-month policy with Dairyland costs an average of $2,576, 45% higher than Foremost's average for the same six months.
How do I get Foremost insurance?
Foremost doesn't offer quotes online for any of its products, so to get an idea of how much you'll pay, you'd need to work with one of the brand's 38,000 agents. You can locate an agent near you by entering your ZIP code on the brand's website.
If you need to reach Foremost after buying a policy, your agent will likely be your first point of contact. They can also help with policy changes, questions and other needs. If you aren't working with an agent, you can call 800-237-2060 for assistance between 8 am and 8 pm ET, Monday to Friday.
For claims, you can file online or call Foremost at 800-527-3907. Both options are available 24 hours a day, seven days a week.
Foremost insurance FAQs
Who owns Foremost Insurance?
Foremost has been part of Farmers Insurance since 2000.
Is Foremost a good insurance company?
Foremost could be a good fit if you're having trouble finding insurance elsewhere, either because you need to cover a specialty item — like a snowmobile or a golf cart — or you can't get approved for auto insurance elsewhere because you're a high-risk driver. If you could get covered by another insurance company, you may pay less as Foremost's prices tend to be higher than the competition for auto insurance.
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