Jeffrey Wade
Farm Bureau auto insurance is a popular choice for many drivers, especially those with agricultural connections. However, it is not available in all states, and some people may wonder if their vehicle can be insured by Farm Bureau if it is licensed in another state. While Farm Bureau insurance is accessible to anyone who pays an annual fee to join the Farm Bureau, the availability and specific offerings can vary significantly depending on the state. In some states, a dedicated Farm Bureau insurance company handles policies, while in others, partnerships with companies like Alfa, Country Financial, American National, and Nationwide Insurance provide discounted rates for Farm Bureau members.
| Characteristics | Values |
|---|---|
| Membership | Anyone can join the Farm Bureau for an annual fee ,which depends on the state and type of membership. |
| Insurance Access | Members can buy insurance through companies that partner with their state's Farm Bureau chapter. |
| Insurance Companies | Farm Bureau insurance companies operate separately in each state, so the products they offer vary. |
| Insurance Types | In most states, you can get auto, homeowners, and business insurance through the Farm Bureau. |
| Insurance Rates | Farm Bureau insurance rates are often cheaper than average, but this can vary by state and individual circumstances. |
| Customer Satisfaction | Farm Bureau insurance companies have received strong ratings for customer satisfaction in J.D. Power's 2023 Auto Insurance Study and have lower-than-expected consumer complaint indices. |
What You'll Learn
Farm Bureau insurance: who can get it?
Farm Bureau insurance is available to anyone who pays the annual membership fee to join the Farm Bureau. The cost of membership depends on where you live, with the cheapest level, often called associate membership, generally costing $20 a year. People who work in agriculture can pay more for a regular membership, which makes them eligible to vote within the American Farm Bureau Federation on policy positions and partner discounts, among other initiatives. Membership is available through your state’s Farm Bureau chapter.
Once you are a member, you can buy insurance through one of several companies, depending on the state. In many states, a statewide Farm Bureau insurance company writes and sells its own policies. Two regional Farm Bureau insurance companies serve 10 additional states. In states without a Farm Bureau insurance company, members can usually get discounted insurance rates at partner companies, including Alfa, Country Financial, American National, and Nationwide Insurance. However, the Farm Bureau's Hawaii and Washington chapters do not offer auto or home insurance options for members.
Because each Farm Bureau insurance company is operated separately, the products they offer vary. In most states, you can get auto, homeowners, and business insurance. Farm Bureau insurance companies in each state include:
- Southern Farm Bureau Casualty Insurance Company
- Farm Bureau Financial Services
- North Carolina Farm Bureau Insurance Group
- Farm Bureau Insurance of Tennessee
- Texas Farm Bureau Insurance
- Georgia Farm Bureau Insurance
- And more
Farm Bureau insurance rates are often cheaper than average. For example, in Kentucky, Louisiana, Missouri, Tennessee, and Texas, Farm Bureau insurance was found to be significantly cheaper for a sample 35-year-old driver, whether they had a clean record or a DUI or at-fault accident. However, in North Carolina, Farm Bureau insurance was more expensive than the state average.
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Farm Bureau auto insurance rates
Farm Bureau auto insurance is available directly from Farm Bureau Financial Services (FBFS) in Arizona, Iowa, Kansas, Minnesota, Nebraska, South Dakota, and Utah. In other states, insurance may be available directly from your local Farm Bureau office or through an insurance partner such as American National or Nationwide. Farm Bureau insurance is not available in Washington state or Hawaii.
Farm Bureau's average annual rate is $1,899, which is 23% above the national average of $1,547. However, Farm Bureau offers competitive rates for teen and young adult drivers, as well as motorists with a speeding ticket or accident on their record. For example, teen females will pay on average $3,643 less than the national average, and teen males pay $4,335 less on average. Farm Bureau's sample rate for a single 25-year-old woman is about $500 less than the national average, and about $600 less for a single 25-year-old male.
Farm Bureau offers several discounts to help drivers save money on car insurance. These can vary by location, so speaking with a local Farm Bureau agent is recommended. Some of the discounts include:
- Member's Choice: Bundle your home and auto insurance into one policy, with one monthly premium and one deductible.
- Claim-free discount: If you go without filing a claim for a specific period, you may qualify for this discount. Eligibility varies from state to state.
- Good student discount: Students who earn a B average or better can earn their parents a discount.
- Low mileage discount: This discount applies to those who drive 7,500 miles per year or less.
- Multi-car discount: Customers will receive a discount when they insure more than one car with Farm Bureau.
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Farm Bureau customer satisfaction
Farm Bureau auto insurance is available to anyone who joins the Farm Bureau for an annual fee. The cost of membership depends on where you live, with the cheapest level, or associate membership, generally costing $20 a year. Farm Bureau members can then buy insurance through one of several companies, depending on the state.
Farm Bureau has received positive reviews for its auto insurance, with customers reporting low coverage rates, strong financial stability, and 24/7 claims reporting. The company has also been praised for its wide range of insurance options, including motorcycle insurance, recreational vehicle insurance, and farm and ranch insurance. In addition, Farm Bureau has received high ratings from A.M. Best and the Better Business Bureau (BBB).
However, there have been some complaints about Farm Bureau's customer service, with reports of delays in claims processing and issues with repairs. Some customers have also expressed dissatisfaction with the lack of online claims reporting and mixed feedback about the overall service provided.
Overall, Farm Bureau auto insurance offers competitive prices and knowledgeable agents to guide customers through the process of selecting the right coverage for their needs. The company has a strong reputation for quick and fair claims service, and its insurance rates are often cheaper than the state average. Farm Bureau also offers various discounts on goods and services for its members, including hotel stays, rental cars, and prescription drugs.
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Farm Bureau insurance companies in each state
Anyone can join the Farm Bureau for an annual fee, which differs depending on where you live, and gain access to Farm Bureau insurance. Membership is available through your state's Farm Bureau chapter.
In many states, a statewide Farm Bureau insurance company writes and sells its own policies. Two regional Farm Bureau insurance companies serve 10 additional states. In states without a Farm Bureau insurance company, members can usually get discounted insurance rates at partner companies. However, the Farm Bureaus in Hawaii and Washington do not offer auto or home insurance options.
- Southern Farm Bureau Casualty Insurance Company
- Farm Bureau Financial Services (serves multiple states)
- Colorado Farm Bureau Insurance
- Florida Farm Bureau Insurance
- Georgia Farm Bureau Insurance
- Idaho Farm Bureau Insurance
- Indiana Farm Bureau Insurance
- Kentucky Farm Bureau Insurance
- Louisiana Farm Bureau Insurance
- Michigan Farm Bureau Insurance
- Mississippi Farm Bureau Insurance
- Missouri Farm Bureau Insurance
- Mountain West Farm Bureau Insurance
- North Carolina Farm Bureau Insurance
- Oklahoma Farm Bureau Insurance
- South Carolina Farm Bureau Insurance
- Farm Bureau Insurance of Tennessee
- Texas Farm Bureau Insurance
- Virginia Farm Bureau Insurance
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Farm Bureau insurance discounts
Farm Bureau insurance is available to anyone who pays an annual fee to join the Farm Bureau. The cost of membership varies depending on the state and whether you work in agriculture. Membership gives you access to discounted insurance rates at partner companies, including Alfa, Country Financial, American National, and Nationwide Insurance.
Driveology® Program
The Driveology® program is a usage-based insurance program that monitors your safe driving habits, such as avoiding harsh braking and phone use. Signing up for the program saves you 10% on your car insurance, with the opportunity for further savings.
Young Driver Safety Program
The Safe Young Driver discount is designed for drivers under 25. It gives inexperienced drivers the chance to build their skills and confidence behind the wheel, while also saving their families money on car insurance.
Bundling Home and Auto Insurance
You can receive a discount when you bundle your car insurance with your home insurance at Farm Bureau Financial Services. This also gives you the convenience of having one policy, one premium, and one deductible for all your covered possessions.
Good Student Discount
Student drivers who maintain a "B" average or are in the top 20% of their class may qualify for a discount on their auto insurance.
Multiple Vehicle Discount
If you have more than one vehicle, you can save money by bundling them on your Farm Bureau Members Choice policy. This also keeps everything in one place and lowers the rate for each car.
New Roof Discount
Replacing your roof can save you money on your homeowners insurance, especially if you use hail-resistant shingles.
Protective Device Discount
Installing a home security system with cameras and alarms can bring you peace of mind and deter thieves. It may also save you money on your insurance premiums.
Paid-in-Full Discount
You can save money on your insurance by paying your annual policy premium in one payment, rather than in periodic instalments.
Financial Services Discount
Adding life insurance and annuities to your existing policies can result in a discount.
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Frequently asked questions
Yes, anyone can join the Farm Bureau for an annual fee and get access to Farm Bureau insurance. The cost of membership depends on where you live.
Farm Bureau insurance offers specialized services and benefits tailored to the needs of farmers and those living in rural areas. They also offer a variety of discounts on goods and services, including hotel stays, rental cars, and prescription drugs.
You can get a quote for Farm Bureau insurance by contacting a local agent in your state's Farm Bureau chapter.
