Farm Bureau Auto Insurance Review [2024]: Cost + Coverage

Farm Bureau is a membership-based organization that offers a variety of insurance products for consumers and small businesses. It operates in all 50 U.S. states, Washington, D.C., and Puerto Rico, and offers several coverage options at members-only pricing and discounts.

When it comes to Farm Bureau auto insurance, your experience will vary based on your location. Some Farm Bureau regions scored above average on J.D. Power’s auto insurance customer satisfaction survey. For example, North Carolina Farm Bureau placed ninth out of 17 companies in the Southeast region, beating GEICO, Liberty Mutual, and Allstate. It’s important to note not all regions perform equally well.

The yearly membership fee to Farm Bureau gives me pause on whether it is worth it, especially since other competitors might be cheaper without an additional fee. It has an AM Best score of A (excellent) and has kept this score for the past four years. Learn more about the membership program and the coverage you can get in this Farm Bureau auto insurance review.

How we evaluate products

To create a full review on Farm Bureau, I researched its site and many of its regional sites thoroughly. I looked at the following aspects:

• Ratings: I reviewed how Farm Bureau rated in J.D. Power’s auto survey, as well as its AM Best rating, which measures insurers' financial strength. In the J.D. Power study, select Farm Bureaus ranked above average for the region, while the company did not rank at all for other regions.
• Discounts: Farm Bureau offered more safety-related discounts and tools to establish good driving habits than some of its competitors, but overall, other insurance companies have more discount options to choose from.
• Availability: While the company is technically available nationwide, it is supported by partner companies, such as Nationwide coverage for California, Connecticut, and more. This can mean that services and coverage options vary by state.

Farm Bureau Insurance pros and cons

Who is Farm Bureau Insurance a good option for?

You don’t need to be a farmer or an agriculture worker to use Farm Bureau insurance, but those in this field of work will benefit most from the coverage. This is because Farm Bureau offers specialized insurance for farm vehicles alongside your regular auto insurance. Plus, as someone in agriculture you probably already have the Farm Bureau membership required to gain access to this insurance coverage.

Farm Bureau is also a good choice for young drivers since there are more opportunities for discounts, including its telematics app, Driveology, which rewards discounts for safe driving, and the young driver safety program for those under 25.

What insurance does Farm Bureau offer?

Farm Bureau offers several insurance products, including auto insurance policies that are available to members in all 50 states and Puerto Rico. However, you need to connect with a local agent to apply for coverage.

Farm Bureau’s Find an Agent tool lets you search for agents quickly and easily. When you get to a local agent's website, you can complete an online form or speak with an agent over the phone to request an insurance quote.

Types of coverage	Liability insurance Medical or no-fault coverage Uninsured/underinsured motorist coverage Collision coverage Comprehensive coverage Replacement cost coverage Roadside assistance
Discounts available	Driven to safety discount Claim-free discount Good student discount Safe young driver discount Low mileage discount Driveology program discount Multiple cars discount Multiple policies discount
Customer support	Send a message via the online messaging portal Contact your local Farm Bureau office
Availability	All 50 U.S. states, Washington, D.C., and Puerto Rico

Farm Bureau auto insurance coverage options

Farm Bureau offers several types of car insurance and policy add-ons, including:

• Liability insurance: Helps cover expenses when you physically injure someone or damage another person's property with your vehicle.
• Medical or no-fault coverage: Helps pay for your or a passenger's medical bills due to a car accident, regardless of who’s at fault.
• Uninsured/underinsured motorist coverage: Helps cover the costs of your or a passenger's medical bills due to a car accident in which the other driver is at fault but doesn't have insurance or has inadequate coverage.
• Collision coverage: Helps cover vehicle repairs when your car has been in an accident.
• Comprehensive coverage: This helps cover costs if your car is damaged by something other than a collision, such as theft, fire, hail, or vandalism.
• Replacement cost coverage: Helps with replacing a totaled vehicle with one that is of a similar kind and quality. This policy option is available for vehicles that are up to four or five model years old in certain states.
• Roadside assistance: If you use an in-network provider, you will pay nothing out of pocket. Emergency Roadside Assistance coverage includes up to $200 or $500 for farm truck tractor/trailers, and RVs.

Coverage limits may vary from state to state, and not all coverage options are available in each area. When you contact your local Farm Bureau office, they'll be able to explain which auto insurance options are available where you live.

Additional Farm Bureau insurance products

Consumers and small businesses that are members of Farm Bureau can choose to get various risks covered. It offers several insurance products in addition to personal auto coverage, including:

Motorcycle insurance RV insurance Farm vehicle insurance Homeowners insurance Renters insurance Life insurance

Farm and ranch insurance Health insurance Business insurance Residential equipment breakdown Emergency roadside assistance

To apply for any Farm Bureau insurance policies, you need to become a member of its organization first. You will sign up with your state but membership costs vary based on your state and whether you are a farmer or non-farmer. For example, in New Jersey or Arizona, non-farmers pay about $60 per year for membership and farmers pay about $142 to $180 per year.

Once you become a member of Farm Bureau, you'll receive additional benefits and discounts at a variety of businesses. Although there are some nationwide benefits, discounts and perks offered by each state may vary.

Farm Bureau auto insurance: How cheap is it?

It is not easy to pull an online quote from Farm Bureau from its main website. The main site, as well as some of its state sites, use a generic form that requires a local agent to get back to you with a quote.

I did find that its Mississippi site allowed instant auto quotes. For a single, 39-year old male driving a 2022 Toyota Corolla in Jackson Mississippi, I received the following quote:

• $173.64 per month for $25,000/$50,000 coverage and a $1,000 deductible
• $190.92 per month for $25,000/$50,000 coverage and a $500 deductible
• $203.79 per month for $50,000/$100,000 coverage and a $500 deductible

As a comparison, I got a quote from GEICO too. They gave a quote for $108.53 per month for a similar $25,000/$50,000 coverage with a $1,000 deductible.

How to find discounts

There are several auto insurance discounts that you may qualify for when acquiring an auto insurance policy from Farm Bureau, including:

Discount type	How to get it	Discount
Safe driver discount	Have zero chargeable accidents or chargeable citations for the past three years.	Up to 26%
Multiple vehicle	Have more than one vehicle insured with Farm Bureau.	Up to 21%
Good student discount	Save on your car insurance as a student driver when you maintain a "B" average or higher.	Up to 15%
Low mileage	Qualify for this discount if you drive less than 7,500 miles per year.	Up to 23%
Driveology	Use a plug-in device that provides savings based on your good driving behavior.	Up to 10% initially and up to 30% over time

Farm Bureau also offers preferred auto repair shops, which can help you save time and money if you get into an accident. Working with one of these preferred shops can result in a more straightforward claims process. Generally, there is only one estimate required, the shop can order parts and schedule repairs immediately, and Farm Bureau pays the shop directly.

How to maximize savings

You can increase your savings with Farm Bureau by improving some of the factors that affect car insurance rates. For example, you can:

• Use SuperCheck: Farm Bureau agents perform an annual "SuperCheck" on your insurance policy to ensure you are getting every possible discount. You can take a quiz on the main website to see if you qualify for more discounts.
• Stick with Farm Bureau: Like many insurance companies, Farm Bureau gives loyalty discounts for those that continue to renew their policies.
• Maintain a good credit score. Insurance companies often use credit scores to determine premiums, so maintaining a good credit score may help you secure lower rates.
• Choose the right coverage. Make sure to get the coverage you need without including too many optional coverage options that you may not benefit from. For example, older cars may not be worth protecting with collision coverage.
• Consider a higher deductible. Based on the sample quote from Mississippi, you could save $17 each month by switching to a $1,000 deductible versus a $500 one. That is a savings of $204 each year.

FAQs

Bottom line

Farm Bureau auto insurance could be a good option for drivers who prefer the personal touch of working with a local agent. Although you can get car insurance quotes online, you need to speak with an agent to finalize your coverage. You also need to be a Farm Bureau member to get coverage, but membership also comes with a variety of discounts you may find valuable.

If you prefer to handle your insurance needs online, FinanceBuzz can connect you with the best auto insurance companies so you can shop and compare without speaking to an agent.