UPDATED: Jan 10, 2023

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Farm Bureau

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A

Complaint level:

Low

Pros

  • 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

Cons

  • 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

The Bottom Line

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.

If you’re on the search for auto insurance in your state, you may have too many companies to consider. It can be difficult to find the perfect insurance company with so many options to choose from.

Still, some companies stand out by offering great products, excellent customer service, and affordable insurance rates. The Farm Bureau is one insurance company that stands out from the rest.

With more than 90 years of experience in the insurance industry, Farm Bureau is a well-known and trusted company that offers several types of insurance products to policyholders throughout the U.S.

Farm Bureau offers auto insurance policies with competitive rates, and the company allows policyholders to customize their policies to meet their needs.

Additionally, Farm Bureau is known for its attention to detail regarding customer service and satisfaction. Many Farm Bureau customer reviews claim they will renew their policies and recommend the company to friends and family.

Is Farm Bureau Insurance a Good Choice?

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.

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.

Farm Bureau Insurance Rates

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
CompaniesMonthly Liability-Only Coverage Auto Insurance RatesMonthly 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.

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Farm Bureau Insurance Discounts Available

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.

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:

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 vs. Competitors

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

Is Farm Bureau a good insurance company?

Farm Bureau is a good insurance company. The company has an A rating with A.M. Best and an A+ rating with the Better Business Bureau.

What kind of insurance does Farm Bureau sell?

Most Farm Bureau subsidiaries and agencies sell home, auto, farm/ranch, and life insurance, among other types of coverage.

Is Farm Bureau insurance cheap?

In many cases, car insurance rates with Farm Bureau are extremely competitive.

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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.

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

Full Bio →

Written by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker