Farm Bureau Auto Insurance: What You Need To Know

Farm Bureau auto insurance is offered by the Farm Bureau, an agricultural membership organisation that advocates for farm and ranch families. To be eligible for an auto insurance policy, you must be a Farm Bureau member. Membership dues vary depending on location and membership level, with the cheapest level, or associate membership, costing around $20 a year. Farm Bureau auto insurance is available in most states, either directly from Farm Bureau Financial Services or through insurance partners. The coverage includes liability, collision, comprehensive, no-fault, and uninsured/underinsured motorist coverage. Farm Bureau auto insurance has received positive reviews for its competitive rates, high claims satisfaction, and additional benefits such as the Young Driver Safety Program.

Farm Bureau auto insurance rates

Farm Bureau Membership

To be eligible for an auto insurance policy, you must be a Farm Bureau member. Membership dues vary depending on location and membership level. The cheapest level, often called associate membership, generally costs $20 a year. People who work in agriculture can pay more for a regular membership, which allows them 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.

In Kentucky, compared with average car insurance rates statewide for our sample driver, Farm Bureau insurance was:

• $1,234 cheaper for a good driver buying full coverage.
• $1,862 cheaper for full coverage insurance after an at-fault crash.
• $1,242 cheaper for full coverage after a DUI.
• $579 cheaper for minimum coverage.

In Louisiana, compared with average car insurance rates statewide for our sample driver, Farm Bureau insurance was:

• $1,072 cheaper for a good driver buying full coverage.
• $2,300 cheaper for full coverage for a driver who recently caused an accident.
• $2,353 cheaper for full coverage for someone with a DUI.
• $198 cheaper for a good driver buying minimum coverage.

In Missouri, compared with average car insurance rates statewide for our sample driver, Farm Bureau insurance was:

• $950 cheaper for a good driver buying full coverage.
• $1,572 cheaper for full coverage after an at-fault accident.
• $1,923 cheaper for full coverage insurance after a DUI.
• $274 cheaper for a good driver buying minimum coverage.

In Tennessee, compared with average car insurance rates statewide for our sample driver, Farm Bureau insurance was:

• $631 cheaper for a good driver buying full coverage.
• $1,585 cheaper for full coverage after a DUI.
• $1,764 cheaper for a driver responsible for a recent wreck.
• $141 cheaper for a good driver buying minimum coverage.

In Texas, compared with average car insurance rates statewide for our sample driver, Farm Bureau insurance was:

• $1,698 cheaper for a good driver with full coverage.
• $2,738 cheaper for full coverage for a driver who caused a recent accident.
• $457 cheaper for a good driver buying minimum required insurance.

However, in North Carolina, Farm Bureau was more expensive than the state average.

Farm Bureau offers competitive rates for teen and young adult drivers.

Teen females will pay on average $3,643 less than the national average, and teen males pay $4,335 less on average.

For 25-year-old females, Farm Bureau's sample rate is about $500 less than the national average, and about $600 less for 25-year-old males.

Farm Bureau offers competitive rates for drivers with a speeding ticket or accident on their record.

The average Farm Bureau customer with one speeding ticket may pay about $250 less than the national rate.

Farm Bureau's average annual rate is roughly $300 less than the national average for drivers with one accident on their driving record.

A DUI conviction can substantially impact a driver’s premiums. The sample Farm Bureau rate for these drivers is about $180 more per year than the national average.

Farm Bureau membership

Membership in the Farm Bureau, an organisation with nearly 5.9 million members, comes with a variety of benefits and resources to help you save money and stay connected to issues affecting agriculture. The Farm Bureau has a strong grassroots structure, advocating for agriculture and the future of family farms, locally-grown food, and rural land.

Benefits of Membership

The organisation also offers leadership training, professional development opportunities, and educational initiatives like Farm Bureau University, helping members gain professional experience and leadership skills.

Community and Advocacy

State-Specific Benefits

The Farm Bureau also offers state-specific benefits, such as the Florida Farm Bureau providing discounts on 'Florida's Best'® products through their Buyers Club, as well as a subscription to FloridAgriculture magazine.

Financial Services

Farm Bureau Financial Services, founded over 80 years ago, initially focused on meeting the unique insurance needs of farmers. They have since expanded to serve people from all walks of life, continuing to support the Farm Bureau mission.

Farm Bureau insurance companies

Farm Bureau Insurance is an agricultural membership organisation that offers insurance, discounts, and resources to its members. To be eligible for an auto insurance policy, you must be a Farm Bureau member. Membership dues vary depending on location and membership level. Farm Bureau auto insurance is available in most states, either directly or through partner companies.

Farm Bureau auto insurance covers a range of vehicles, including cars, motorcycles, RVs, and farm trucks. Their insurance plans include liability coverage, collision coverage, comprehensive coverage, no-fault coverage, and uninsured/underinsured motorist coverage. They also offer additional options such as roadside assistance, replacement cost coverage, and a safe driving program called Driveology.

Farm Bureau Insurance has received positive ratings for customer satisfaction and financial strength. Their rates are competitive, especially for teen drivers, young adult drivers, and drivers with a less-than-perfect record. However, their average annual rate of $1,899 is 23% above the national average.

• Partnership with Alfa Insurance
• Partnership with Country Financial
• Farm Bureau Financial Services
• Southern Farm Bureau Casualty Insurance Company
• Partnership with Nationwide
• 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
• Partnership with American National
• 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
• Partnership with Rural Mutual Insurance

Farm Bureau insurance coverage

Farm Bureau auto insurance is available in most states, either directly from Farm Bureau Financial Services (FBFS) or through an insurance partner. FBFS provides auto insurance 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 partners including Alfa, Country Financial, American National, and Nationwide Insurance. Farm Bureau insurance is not available in Hawaii or Washington state.

Farm Bureau auto insurance coverage includes liability, collision, comprehensive, no-fault, and uninsured/underinsured motorist coverage. The company also offers classic car insurance for collectible and antique vehicles, as well as optional add-ons such as roadside assistance, replacement cost coverage, and a safe driving program.

Farm Bureau auto insurance rates are often cheaper than the state average, although this is not always the case. In Kentucky, Louisiana, Missouri, Tennessee, and Texas, Farm Bureau insurance was found to be significantly cheaper for a sample 35-year-old driver with a clean record, an at-fault crash, a DUI, or minimum coverage. However, in North Carolina, Farm Bureau insurance was more expensive than the state average.

Farm Bureau also offers a range of other insurance options, including farm or ranch liability insurance, farm vehicle insurance, health insurance, homeowners insurance, life insurance, livestock revenue insurance, mobile home insurance, and motorcycle insurance.

Farm Bureau insurance complaints and customer satisfaction

While Farm Bureau Insurance has received some negative reviews, it has also been rated highly by some customers and industry experts.

Customer Complaints

Some customers have complained about issues with claims handling, customer service, and pricing. For example, some customers have reported difficulties in getting their claims approved or resolved in a timely manner, while others have experienced unexpected price increases or been unhappy with the level of service provided by Farm Bureau Insurance. There are also complaints about the company's failure to provide coverage for damages incurred.

Customer Satisfaction

On the other hand, Farm Bureau Insurance has also received positive feedback and ratings from customers. Some customers have praised the company for its low rates, quick and fair claims service, and knowledgeable agents. Farm Bureau Insurance has also been recognised for its strong financial stability and high ratings from industry organisations such as A.M. Best and the Better Business Bureau (BBB). In addition, several Farm Bureau insurance companies have earned strong ratings for customer satisfaction in J.D. Power's 2023 Auto Insurance Study.

Frequently asked questions