Paul Sanchez
Farm Bureau auto insurance is available in select states and offers a range of coverage options, including liability, collision, comprehensive, medical, and no-fault insurance. The company provides low rates and discounts for bundled coverage, and policyholders can select from various full-coverage plans. The cost of Farm Bureau auto insurance depends on factors such as location and driving history, with the cheapest coverage starting at around $20 to $90 per year.
Farm Bureau auto insurance is generally well-regarded for its customer service and affordable rates, especially when policies are bundled. However, it is not available in every state, and some users have reported issues with claims handling and unexpected rate increases. Overall, Farm Bureau auto insurance can be a good option for those seeking standard and low-cost coverage, but it is important to carefully review the specific offerings and customer feedback for your state before making a decision.
| Characteristics | Values |
|---|---|
| Annual fee | $20 to $90 |
| Membership perks | Discounts on hotels, pharmacies, rental cars, farm equipment, and more |
| Average annual rate | $1,899 |
| Average annual rate for a 30-year-old adult with a clean driving record | $1,675 |
| Discounts | Multicar, multipolicy, anti-theft technology |
What You'll Learn
Farm Bureau auto insurance rates
In states without a Farm Bureau insurance company, members can typically get discounted insurance rates at partner companies, including Alfa, Country Financial, American National and Nationwide Insurance. However, the Farm Bureau's for Hawaii and Washington don't offer auto or home insurance options for members.
The cost to join the Farm Bureau depends on where you live. 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 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.
However, Farm Bureau insurance isn’t always a bargain choice. In North Carolina, Farm Bureau was more expensive than the state average.
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Farm Bureau complaints and customer satisfaction
Farm Bureau Insurance has received a range of customer reviews, with some praising the company's customer service and others criticising its handling of claims.
On the Better Business Bureau website, Farm Bureau Insurance has a rating of 1 out of 5 stars, with 13 complaints filed in the last 3 years and 6 in the last 12 months. The complaints include failure to provide coverage, delays in handling claims, and issues with cancelling policies.
On ConsumerAffairs, Farm Bureau Insurance has a rating of 4.4 out of 5 stars, with 333 reviews. Positive reviews mention the company's highly-rated customer service, affordable rates, and range of coverage options. However, some negative reviews criticise Farm Bureau Insurance for issues with claims handling, unexpected rate increases, and poor communication.
NerdWallet's analysis of complaints received by state insurance regulators found that several Farm Bureau insurance companies had lower-than-expected complaint rates, while others had higher-than-expected rates. The companies with higher-than-expected rates of complaints included Georgia Farm Bureau Insurance and Mountain West Farm Bureau Insurance.
Overall, Farm Bureau Insurance has received a mix of positive and negative reviews, with some customers praising the company's customer service and affordable rates, while others have criticised its handling of claims, unexpected rate increases, and poor communication.
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Farm Bureau discounts
Farm Bureau membership comes with a variety of discounts on goods and services. These vary by state and include discounts on agricultural equipment and services, travel, and prescription drugs. Here are some examples:
- Hotel stays: Farm Bureau members can save on stays at Choice Hotels, Wyndham properties and more.
- Rental cars: Companies including Avis, Budget, Enterprise and Hertz offer discounts, depending on your state.
- Pharmacies: Prescription discount cards are available in many states.
- Theme parks: Some state Farm Bureau chapters have partnered with local and national theme parks to provide discounts on admission for members and their families.
- Farm equipment: Discounts are available for several brands.
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Farm Bureau auto insurance coverage
Farm Bureau's Driveology program offers discounts of up to 50% for safe driving. Upon enrolment, drivers receive a windshield tag and a mobile app that tracks their driving habits, such as speeding, braking, and phone use.
Farm Bureau auto insurance is available in Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Texas, and Virginia.
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Farm Bureau auto insurance quotes and costs
Farm Bureau writes car insurance policies in Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Texas and Virginia.
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Frequently asked questions
Farm Bureau auto insurance is available in most states, but not all. It's important to check with your local Farm Bureau to see if they offer auto insurance in your state.
Farm Bureau offers standard auto insurance coverage, including liability, collision, comprehensive, medical, and no-fault insurance. They also offer some additional coverage options, like roadside assistance and replacement cost coverage.
The cost of Farm Bureau auto insurance depends on a variety of factors, including your location, driving history, and the type of coverage you choose. Farm Bureau also offers a range of discounts that can help lower your premium.
Customer service experiences with Farm Bureau vary. Some customers report positive experiences with helpful and responsive agents, while others have had issues with long wait times and difficulty reaching their agent.
In addition to auto insurance, Farm Bureau offers a range of other insurance products, including home, life, and business insurance. They also offer specialized insurance for farms and ranches, including coverage for crops and farm equipment.
