Foremost Insurance Group Review 2025

Trusted Choice's Foremost Insurance Group Score

4.5 Stars

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We award Foremost Insurance Group a final rating of 4.5 out of 5 stars. The carrier has earned high ratings through both AM Best and the Better Business Bureau (BBB) and has demonstrated strong financial stability throughout the years. 

Foremost Insurance Group was founded in 1952, giving the carrier more than 70 years of experience within the insurance industry. The carrier was originally created with a mission to provide coverage to families in the U.S. who lived in mobile homes but has since expanded its catalog greatly. 

Today, Foremost offers a range of homeowners insurance products, several types of auto insurance, flood insurance, and more. Foremost’s well-known parent company, Farmers, also aids its reputation as delivering dependable coverage. In the year 2000, Foremost was acquired by Farmers Insurance Group.

Foremost's official website is well done and offers many customer service options that are expected of modern carriers, including online bill pay, 24/7 claims reporting, getting matched with an agent, and requesting quotes. Foremost has also been recognized by many customers for offering dependable coverage, as noted by the many glowing reviews across the web. So, if you’re in the market for any of their products, we say don’t hesitate to ask your independent insurance agent about making Foremost Insurance Group your next trusted carrier.

Foremost Insurance Group Pros and Cons:

Pros:	Cons:
Longstanding carrier	Not BBB-accredited
Offers many types of coverage	Coverage options vary by state
Rated "A" (excellent) by A.M. Best
Rated "A+" (excellent) by the Better Business Bureau
24/7 claims reporting
High volume of customer satisfaction
Licensed in all 50 states
Several discounts available
Strong financial stability

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

Foremost Insurance Products by Type

Foremost offers a wide range of coverages for individuals. Its products include:

Foremost Auto Insurance

Foremost Insurance Group offers all the important auto insurance coverages you'd expect to find in a policy. The carrier sells bodily injury and property damage liability, uninsured and underinsured motorists, rental reimbursement, medical payments, and towing and roadside assistance coverage. Foremost also has some optional car insurance coverage endorsements, including the following.

Coverage types, features, and benefits:

Loan and lease gap 

Foremost offers optional loan/lease gap insurance, which can reimburse customers for the difference between the payout amount for a vehicle's current value after a total loss and the amount still owed on a loan or lease.

New vehicle replacement 

Foremost's optional new vehicle replacement coverage can help customers purchase a new vehicle of the same make, class, size, and body type if their car is declared a total covered loss. This coverage can pay for the entire cost of the new vehicle minus the deductible amount.

Rideshare 

Foremost also offers optional coverage for rideshare drivers, such as those who work for Uber or Lyft. This coverage can reimburse policyholders for incidents that occur while using their car as a rideshare.

Foremost Auto Insurance Average Prices

Foremost's auto insurance rates are a bit more expensive when compared to many other carriers. While the current national average premium for a six-month car insurance policy is $1,093, the same policy from Foremost costs an average of $1,461. 

Here's an overview of the average premium rate for Foremost's car insurance policies by driver age group.

Foremost Average Auto Insurance Rates by Driver Age Group

Methodology

Our sample car insurance rates are based on a driver with good credit and no prior accidents or traffic violations on record. The sample customer has chosen a policy with $50,000 of bodily injury coverage per person, $100,000 per accident, and $50,000 in property damage liability coverage. The sample policy also has collision and comprehensive insurance, each with a $500 deductible.

Foremost Homeowners Insurance

Foremost offers all the standard home insurance coverages customers need, including dwelling, contents, loss of use, and liability. The carrier also offers a long list of endorsement options to enhance your coverage, including the following.

Coverage types, features, and benefits:

Extended replacement cost

Foremost offers the option to insure your home for up to an additional 50% in case of a total covered loss. This additional coverage can help customers afford to replace their homes if construction materials and the cost of rebuilding have increased since the original purchase.

Guaranteed rebuild

In select states, Foremost offers optional guaranteed rebuild coverage, which pays to repair or replace your home without factoring in depreciation. While customers have to pay their deductible out of pocket, this coverage will pay to repair or replace the home even if the expense is greater than the amount listed in the policy.

Foremost Homeowners Insurance Average Prices

The current national average cost for a home insurance policy with $300,000 in dwelling coverage is $2,285 per year. Foremost's policies with the same coverage amount are a bit more expensive, with an average premium rate of $3,718 per year. Here's an overview of Foremost's annual home insurance rates by dwelling coverage amount.

Foremost Average Home Insurance Rates by Dwelling Coverage Amount

What Discounts Does Foremost Offer?

Foremost offers a handful of competitive discounts on its products. These discounts include:

An independent insurance agent can provide better discount information and premium quotes for coverage through Foremost Insurance. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.

Foremost Insurance Group Customer Service

The Foremost Insurance customer service department allows customers to file claims over the phone or online, any time of the week. The carrier also provides the following customer service options:

Foremost sells insurance through a wide network of agents, including independent insurance agents. Independent insurance agents can help make customer service easier for you by handling claims and other concerns.

Connect with a Foremost Agent Today.

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