Foremost Auto Insurance Review

Foremost car policies include gap insurance, rental car reimbursement and roadside assistance. But Foremost’s policies carry a hefty rate and don’t provide all the coverages many car owners need.

J.D. Power Rating
AM Best Rating
Standard & Poor’s
2.5 / 5.0
SimpleScore Foremost Insurance Group 2.5
Discounts 1
Coverage Options 4
Customer Satisfaction N/A
Support 2
Accessibility 3

Foremost Insurance Group is best known for covering the types of vehicles you love to drive most, like collectible cars, motorcycles and RVs. The carrier also offers auto insurance for the car you drive during your daily commute. But this is where Foremost doesn’t measure up to more popular car insurance companies — Foremost’s auto policies are expensive and don’t provide the coverage many drivers need.

Founded in 1952, Foremost capitalized on the post-war economic boom by providing coverage for mobile homes and mobile home parks. Within a few years, the provider expanded its portfolio to include recreational vehicle insurance and by the 1970s offered policies for a host of sports equipment, including all-terrain vehicles, boats, motorcycles and snowmobiles.

AM Best gives Foremost an A (Excellent) financial rating and the Better Business Bureau rates the carrier A+ for customer care. In the last three years, around 670 Foremost customers have filed complaints with the BBB, most expressing common grievances about product and service issues.

While Foremost offers a wide range of property coverages, including homeowners, landlord and renters insurance, it’s best known for insuring motorcycles, RVs and sports vehicles. Bristol West, a division of Farmers Insurance Group, underwrites all Foremost auto policies. Although Foremost provides a few unexpected coverages in its standard policies, like roadside assistance and gap insurance, it falls short by not offering more critical coverages such as collision and comprehensive insurance.

Foremost also lags in technology, only offering online quotes for shoppers in some of its 39-state service area. Foremost policyholders can enjoy a few online tools to pay premiums or file a claim, but the carrier doesn’t offer customers a mobile app.

Compare Affordable Auto Insurance Rates

Save money on auto coverage with our simple comparison tool.

Matching you with providers.
We found results in
Click at least 2-3 companies to find the very best rate.

    Powered by (NPN: 8781838)

    In this article

      Foremost auto insurance at a glance

      Price$548 6-month, state minimum only
      Best forPeople who own their cars outright and collectible car owners
      Not forBudget shoppers and motorists who need full coverage
      States served39
      In business since1952
      Better Business Bureau ratingA+
      A.M. Best RatingA (Excellent)
      S&P ratingA
      Moody’s ratingNo rating
      Standout featuresGap coverage
      Rental car reimbursement
      Roadside assistance

      Foremost auto insurance rates 

      We requested a quote from Foremost using the following profile:

      Driver: Single male, age 40

      Driving record: No offenses

      Location: Memphis, Tennessee

      Automobile: 2018 Toyota Camry LE, financed

      Usage: Commute

      Unfortunately, we weren’t impressed with the quote we received. Since Foremost doesn’t offer collision and comprehensive coverage, which our profile owner needs since his Toyota is financed, Foremost’s quote only included state minimum liability and uninsured and underinsured motorist coverage for a rate of $548 for a six-month policy.

      Using the same vehicle and driver profile, we also requested a quote from Geico. The Geico quote included state minimum liability and uninsured and underinsured motorist coverage, as well as collision and comprehensive coverages. Geico offered us a rate of $486 for a six-month policy, which included a discount for the vehicle’s standard safety features like anti theft devices and anti-lock brakes, along with a $66 good driver discount. So, Geico offered us all the coverage we needed, for $62 less than Foremost.

      As you can see, Foremost isn’t a good choice for budget-minded automobile owners or folks with financed vehicles. Foremost is best known for its collectible car and motorcycle insurance. The carrier’s collectible car coverage stands out because policyholders can insure their treasured vehicles for an agreed-upon price in the event of a total loss. Foremost’s motorcycle insurance covers up to $5,000 in optional equipment and up to $2,500 for helmet and safety apparel replacement.

      Foremost auto insurance coverage

      Foremost’s standard auto insurance coverages include:

      • Bodily injury liability
      • Gap insurance
      • Medical payments
      • Property damage liability
      • Rental car reimbursement
      • Roadside assistance
      • Uninsured and underinsured motorist

      Coverages such as gap insurance, roadside assistance and rental car reimbursement are quite generous, because most car insurance companies only offer these as options. But, motorists with financed vehicles who need collision and comprehensive coverage are out of luck since Foremost doesn’t offer them.

      We were also disappointed to find that Foremost doesn’t offer any discounts.

      We were most impressed by Foremost’s “One Household, One Policy” feature, which allows your household to cover all your vehicles on a single policy. That’s great when the premium comes due because you’ll only need to worry about submitting one payment.

      Foremost auto insurance vs. competition 

      In the 2019 J.D. Power U.S. Auto Insurance Study, Foremost didn’t make the cut in any U.S. region. Top performers included:

      RegionCompanyJ.D. Power Overall Customer Satisfaction Rating
      CaliforniaEsurance5 out of 5 stars
      CentralShelter5 out of 5 stars
      FloridaAllstate5 out of 5 stars
      Mid-AtlanticErie Insurance5 out of 5 stars
      New EnglandAmica Mutual5 out of 5 stars
      New YorkNew York Central Mutual5 out of 5 stars
      North CentralWestfield5 out of 5 stars
      NorthwestPEMCO Insurance5 out of 5 stars
      SoutheastFarm Bureau Insurance of Tennessee5 out of 5 stars
      SouthwestThe Hartford5 out of 5 stars
      TexasTexas Farm Bureau5 out of 5 stars

      Since Foremost doesn’t offer a broad range of coverage, and costs significantly more than many carriers, most drivers should turn to another provider to cover conventional automobiles.

      Compare Affordable Auto Insurance Rates

      Save money on auto coverage with our simple comparison tool.

      Matching you with providers.
      We found results in
      Click at least 2-3 companies to find the very best rate.

        Powered by (NPN: 8781838)

        What others are saying

        In April 2020, Foremost and Bristol West earned praise within the insurance industry after announcing a $500,000 donation to the Trusted Choice COVID-19 Relief Fund. The Fund, created by the Independent Insurance Agents and Brokers of America, provides economic relief to brokerages, independent agents and their employees who have suffered financial losses during the COVID-19 pandemic. Issued through grants, the funds will help recipients pay for expenses such as wages and office expenses not covered by government loan programs.

        Agents and Brokers of America president and CEO, Bob Rusbuldt, said, “Foremost Insurance and Bristol West Insurance stepped up to the plate at a crucial time for independent insurance agents with a $500,000 contribution to the Trusted Choice COVID-19 Relief Fund. Last week, we had to halt acceptance of new applications to the fund due to an overwhelming need for assistance, but Foremost and Bristol West have provided essential funding for independent agents during their time of need. We applaud Foremost and Bristol West for their great collaboration with the Big ‘I’ and their independent agents.”

        We welcome your feedback on this article and would love to hear about your experience with the auto insurance companies we recommend. Contact us at with comments or questions.



        The SimpleScore makes it easy to compare products and services featured here on The Simple Dollar in a transparent, open and honest way. We rate these products and services using five factors and average them to calculate a single SimpleScore. For auto insurance, we compare:

        • Discounts
        • Coverage options
        • Support
        • Customer satisfaction
        • Accessibility

        You can read more about each factor and the details of each score in our auto insurance methodology. Use our ratings and editorial recommendations as you shop for the best auto insurance that fits your coverage needs.

        Car insurance rates: We used insurance rates from Quadrant Information Services. This includes analyzing thousands of rates from all 50 states that were publicly sourced from 2019 insurer filings. Rates are based on a 30-year-old male or female that had a clean driving record. Full Coverage premiums assumed a $500 collision and comprehensive deductible, and we looked at those who had both good and poor credit. These rates should be used to inform your car insurance shopping process, but your own quote may differ.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.
        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.


        We looked at the number of discounts each company offers — more discounts mean a higher score.

        Coverage Options

        We awarded higher scores to the companies that have the most coverage options.


        We awarded higher scores to lenders with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power 2019 Auto Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)


        We looked at the level of accessibility of each company –– the more resources they have the higher their score.

        Michael Evans

        Contributing Finance Writer

        Michael Evans has worked in numerous industries, including education, finance, government, insurance and journalism. He began writing professionally while working for the world’s first online mortgage brokerage in San Francisco, California. His writings have appeared in print and online publications, including Fox Business, International Living, Motley Fool and Yahoo! Finance.

        Reviewed by

        • Nashalie Addarich
          Nashalie Addarich
          Insurance Editor

          Nasha Addarich is an editor at The Simple Dollar and a former attorney who specializes in home insurance, auto insurance, life insurance, and savings. She is a former contributing editor to