Farm Bureau Auto Insurance Review (2024)
Farm Bureau Insurance, renowned for its decades-long commitment to providing reliable coverage, offers auto insurance across numerous states, requiring a Farm Bureau membership for eligibility, ensuring both a broad reach and a commitment to its community-oriented approach.
Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Farm Bureau
Average Monthly Rate For Good Drivers
$135A.M. Best Rating:
AComplaint Level:
LowPros
- Availability throughout the U.S., providing coverage in many states.
- Competitive and affordable car insurance rates.
- Excellent customer support and professionalism.
- Customizable policies to meet specific needs.
- More than 90 years of experience in the insurance industry.
- A strong financial strength rating from A.M. Best, indicating the ability to pay out claims.
Cons
- Coverage options, discount opportunities, and rates may vary by state.
- Membership requirement, with an annual fee for Farm Bureau membership.
- Claims cannot be filed online; they must be made by calling a representative.
- Membership fee can range from $20 to $125 per year, depending on location and membership type.
- Service offerings, coverage options, and rates may differ from state to state, lacking consistency for some customers.
Farm Bureau is available throughout the U.S., and car insurance rates with the company are often affordable. In addition, Farm Bureau is known for its excellent customer support and professionalism.
Unfortunately, rates with Farm Bureau may vary based on where you live, as will coverage options and discount opportunities. You can speak with a company representative to learn more about Farm Bureau Insurance in your area.
Farm Bureau may be a great fit for you in terms of an auto insurance policy, but you should still shop online and compare auto insurance rates before you make a final decision about your coverage. When you compare quotes, you can decide which company works best based on your needs and budget.
What You Should Know About Farm Bureau Insurance
Farm Bureau Financial Services was founded in 1931 to provide liability insurance coverage to farmers. As Farm Bureau grew, so did its insurance products and coverage options.
Farm Bureau now offers insurance products throughout the U.S. to farmers and non-farmers. However, anyone wishing to purchase insurance products through the company must first pay an annual membership fee.
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What are the pros of a Farm Bureau auto insurance policy?
If you purchase an insurance policy with Farm Bureau, you can look forward to several perks:
- More than 90 years of experience in the insurance industry
- A wide variety of coverage options to customize your auto insurance policy
- Professional customer service
- An A (excellent) financial strength rating with A.M. Best
Farm Bureau has been in the insurance business for more than 90 years. In doing so, the company offers experience and assistance in a way many new insurance companies simply cannot.
Additionally, Farm Bureau offers several coverage options for auto insurance. It’s a great fit if your goal is to customize an auto insurance policy to meet your unique needs.
Farm Bureau is known for being helpful and professional when dealing with customers. While this may be something you hope to avoid, filing a claim with Farm Bureau insurance will be much less of a headache than with other insurers. Farm Bureau offers assistance and professionalism from start to finish.
Lastly, Farm Bureau has an A (excellent) financial strength rating and a positive outlook on future endeavors from A.M. Best. So you should not worry about Farm Bureau being unable to pay out your insurance claim.
What are the cons of a Farm Bureau auto insurance policy?
While Farm Bureau offers many helpful benefits, the company does have its drawbacks. The most significant downsides to an auto insurance policy with Farm Bureau include:
- No option for filing claims online
- Policyholders must pay an annual fee for coverage
- Service and coverage options vary from state to state
- Customer service experience and satisfaction vary by state
Farm Bureau does not allow customers to file auto insurance claims online. Instead, you will have to call and speak with a company representative. If online services are important to you, Farm Bureau may not be the best auto insurance company.
Additionally, policyholders must pay an annual membership fee to purchase coverage with Farm Bureau. The Farm Bureau membership can cost anywhere from $20 to $125 per year based on the type of membership and your location.
While Farm Bureau underwrites its policies in a few states, the company has subsidiaries that do the work of underwriting policies elsewhere. Because of this, your rates may vary because of where you live.
Farm Bureau services, coverage options, and car insurance rates may also vary from one state to the next. So if you’re looking for consistency in your coverage, Farm Bureau may not offer the type of coverage and peace of mind you need.
Does Farm Bureau have good ratings and reviews?
Farm Bureau has an A (excellent) financial strength rating with A.M. Best. In addition, the company has a stable outlook for future endeavors, allowing policyholders to feel safe and secure when purchasing a policy with Farm Bureau.
Farm Bureau also has an A+ rating with the Better Business Bureau (BBB). Customers have given the company a 1.67 out of five-star rating on the BBB website. According to Farm Bureau Insurance reviews from customers, the most common reason policyholders give the company a low rating is because of issues when filing a claim.
Still, Farm Bureau Insurance is known for its attention to customer needs, and the company scores high in customer ratings for customer service and satisfaction.
Does Farm Bureau Insurance get many customer complaints?
Several Farm Bureau Insurance companies and subsidiaries earn high rankings for customer service. For example, J.D. Power ranked the Farm Bureau Insurance Company first in both Tennessee and Texas in overall customer satisfaction.
However, certain subsidiaries of Farm Bureau Insurance have received customer complaints. For example, the Colorado Farm Bureau Insurance Company received more than the expected number of complaints for its home insurance policies, according to the National Association of Insurance Commissioners (NAIC).
Georgia Farm Bureau and Mountain West Farm Bureau each received significantly more than the expected number of complaints for an insurance company in the area. Still, all of these complaints are specific to home insurance policies. The company is known for offering competitive auto insurance policies in these states.
If you are considering purchasing an auto insurance policy with Farm Bureau in your state, read customer reviews and complaints online to get a better idea of what to expect from Farm Bureau.
Read more:
- Georgia Farm Bureau Auto Insurance Review
- Texas Farm Bureau Mutual Insurance Company: Customer Ratings & Reviews
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Farm Bureau Insurance Coverage Options
Farm Bureau offers the traditional types of auto insurance you would expect from any car insurance company. Some of these coverages include:
- Property damage liability
- Bodily injury liability
- Collision auto insurance coverage
- Comprehensive auto insurance coverage
- Uninsured/underinsured motorist coverage
- Personal injury protection (PIP)
- Medical payments (MedPay)
In addition, the company offers several add-on coverage options, though these options vary based on location.
For example, Farm Bureau offers roadside assistance, gap insurance, new car replacement, original parts coverage, and more. If you’re interested in additional auto insurance coverage, speak with a representative in your area to learn what’s available.
Farm Bureau Insurance Rates Breakdown
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| Driver Profile | Farm Bureau | National Average |
|---|---|---|
| Clean Record | $121 | $119 |
| 1+ Ticket | $146 | $147 |
| 1+ Accident | $175 | $173 |
| DUI | $208 | $209 |
| Poor Credit | $208 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Farm Bureau offers competitive auto insurance rates in many states. Compared with other well-known car insurance companies, Farm Bureau occasionally offers the cheapest rates. In many instances, Geico’s rates are the only auto insurance rates that compare to Farm Bureau’s affordable options.
See how Farm Bureau auto insurance quotes compare to other national companies for full and liability-only coverage:
Average Monthly Liability-Only vs. Full Coverage Auto Insurance Rates by Company
| Companies | Monthly Liability-Only Coverage Auto Insurance Rates | Monthly Full Coverage Auto Insurance Rates |
|---|---|---|
| Allstate | $162 | $318 |
| American Family | $114 | $224 |
| Farmers | $147 | $288 |
| Geico | $91 | $179 |
| Liberty Mutual | $203 | $398 |
| Nationwide | $117 | $229 |
| Progressive | $144 | $283 |
| State Farm | $120 | $235 |
| Travelers | $147 | $287 |
| USAA | $82 | $161 |
| National Average | $133 | $260 |
Farm Bureau’s rates remain the same for a 30-year-old married male and a 30-year-old single female. Rates with Geico, Progressive, and Allstate vary, but Geico is the only company with rates slightly lower than Farm Bureau.
Farm Bureau Insurance Discounts Available
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| Discount | Farm Bureau |
|---|---|
| Anti Theft | 7% |
| Good Student | 15% |
| Low Mileage | 10% |
| Paperless | 6% |
| Safe Driver | 20% |
| Senior Driver | 8% |
You can get discounts on your car insurance coverage with Farm Bureau. Some of the company’s most popular discount options include:
- Affinity group discount. Membership in alumni groups, fraternities/sororities, and other organizations will lower your car insurance rates.
- Anti-theft discount. Installing anti-theft devices in your car will earn you a Farm Bureau discount.
- Claim-free discount. Farm Bureau awards a discount to policyholders who remain claim-free for at least three years.
- Driveology discount. Driveology usage-based car insurance tracks driving behavior and rewards safe drivers with lower rates.
- Member’s Choice discount. More commonly known as home and auto insurance bundles, Farm Bureau will discount your rates if you have homeowners and other policies with the company.
- Continued in-force credit discount. Earn a discount every time you renew your Farm Bureau membership and Member’s Choice coverage.
- Good student discount. Teen drivers and college students will earn a discount for maintaining a 3.0 GPA or higher.
- Multicar discount. Insurance more than one vehicle with Farm Bureau to earn a discount.
- Low-mileage discount. Must drive less than 7,500 miles annually to qualify for a discount.
- Smart pay discount. Pay your auto insurance in full and online to earn a discount. Not available in every state.
- Safe young driver training discount. Drivers under 25 earn a discount after completing the Farm Bureau Young Driver Safety program online.
Auto insurance discounts can help you save up to 25% on your auto insurance coverage. If you’re eligible for a discount with Farm Bureau, speak with a company representative to learn how much you could save on your monthly auto insurance rates.
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How Farm Bureau Insurance Ranks Among Providers
Farm Bureau policies are affordable, and average monthly liability rates with Farm Bureau are often cheaper than those with other companies like Allstate, State Farm, and Progressive.
However, Farm Bureau is sometimes more expensive than the national average when comparing costs for a full coverage auto insurance policy.
Does Farm Bureau have a mobile app?
Fam Bureau does have a mobile app for its customers. With the app, policyholders can:
- Call for roadside assistance
- Request assistance to file a claim
- Locate an agent
- Review policy information
- View member benefits
The Farm Bureau mobile app also allows policyholders to pull up their policy information and ID cards if needed.
Frequently Asked Questions
Can I purchase auto insurance coverage with Farm Bureau Insurance in any state?
Yes, Farm Bureau Insurance offers coverage in many states, but a Farm Bureau membership is required.
Does Farm Bureau have good ratings and reviews?
Farm Bureau has an A (excellent) financial strength rating from A.M. Best and an A+ rating with the Better Business Bureau. While some customers reported claim filing issues, Farm Bureau is known for high customer service ratings.
What types of insurance does Farm Bureau sell?
Farm Bureau sells various insurance types, including home, auto, farm/ranch, and life insurance.
Does Farm Bureau offer competitive rates?
Farm Bureau often offers competitive and affordable car insurance rates, although rates may vary based on location and coverage.
Does Farm Bureau have a mobile app?
Yes, Farm Bureau has a mobile app for policyholders to manage policies, access information, and view ID cards.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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MEC58
Under writers are VERY VERY LAZY!!!!!! And they LIE
Spade
Scammers
SaRahl3465
Was told to get into an accident to cover my damages
Kat22kat
Stay away from this company!
ckr01
Car Insurance Review
Mogirlcher
Number one company
tuffy8
Farm Bureau
Kdanielle
Friendly
Jong430
Farm Bureau Review
Aloomi02
I swear by this company