Farm Bureau Auto Insurance Review (2024)
Farm Bureau Insurance offers car insurance policies that you can customize to fit your needs. The company has good customer service reviews and an A rating with A.M. Best.
UPDATED: May 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: May 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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.
UPDATED: May 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
UPDATED: May 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Farm Bureau Property & Casualty
Average monthly rate for good drivers:
$140A.M. Best rating:
AComplaint level:
LowPros
- Trusted business practices since the 1930s
- Many coverage options to make each policy customizable
- Professional customer service with positive ratings
- A strong financial strength rating with A.M. Best
Cons
- No option for online claims
- Annual membership fee
- Lack of presence in every state
Final Verdict: Review of Farm Bureau Property & Casualty
Is Farm Bureau good insurance? Anyone trying to find cheap auto insurance rates online should look into Farm Bureau’s options.
Farm Bureau Insurance ratings are high with A.M. Best and the Better Business Bureau, and the company offers coverage at competitive rates in most areas. You must become a member before buying auto insurance or other insurance products, so you’ll have to factor the membership fee into the insurance cost.
Unfortunately, Farm Bureau is not active in every state, so you’ll need to research whether there’s a Farm Bureau Insurance company near you. So before you commit to Farm Bureau for your auto insurance needs, find and compare rates from other insurance companies in your area. Enter your ZIP code above to learn which company offers the coverage you’re looking for at a rate that works with your budget.
- Farm Bureau offers customizable options for car insurance coverage
- You must pay an annual fee to become a member of the Farm Bureau
- Farm Bureau Insurance has an A rating with A.M. Best
What You Should Know About Farm Bureau Property & Casualty Insurance Company (FBPCIC)
If you’re searching for car insurance, you may want to consider Farm Bureau auto insurance. Farm Bureau Insurance offers several options for car insurance coverage, allowing policyholders to customize their policies. Additionally, car insurance from Farm Bureau is often cheaper when compared to other companies.
Farm Bureau began in 1931 as a liability insurance provider for farmers. Farm Bureau expanded from being one of the best insurance companies for farmers to an insurance provider for many customers.
With 90 years of experience as an insurance company, Farm Bureau prides itself on meeting customers’ needs and offering help to customers whenever they need it. Unfortunately, Farm Bureau is not available in all 50 states in the U.S., but the company does have subsidiaries that help to distribute insurance products in certain areas.
Anyone trying to find cheap auto insurance rates online should look into Farm Bureau’s options. But it’s a good idea to shop online and compare quotes from other companies to avoid paying too much for car insurance.
Farm Bureau Auto Insurance Reviews
How is Farm Bureau insurance rated? Is Farm Bureau car insurance good? Great news — Farm Bureau has an A (Excellent) financial strength rating with A.M. Best. The Farm Bureau Insurance BBB rating is A+ for customer satisfaction.
Despite a strong Farm Bureau rating from BBB, Farm Bureau insurance reviews are mixed in terms of customer service. Farm Bureau complaints for some businesses, like Farm Bureau Insurance of Tennessee, are practically non-existent, while others, like North Carolina Farm Bureau Insurance, have more than the expected number of complaints.
If you want to buy Farm Bureau vehicle insurance, research Farm Bureau insurance reviews and consumer reports for the branch in your area:
Read what customers say about the company’s claims processing and customer service.
Farm Bureau Car Insurance Review: Pros And Cons
Choosing Farm Bureau as your auto insurance company comes with many perks, including:
- Trusted business practices since the 1930s
- Many coverage options to make each policy customizable
- Professional customer service with positive ratings
- A strong financial strength rating with A.M. Best
Farm Bureau has been in business for nearly a century. Because of this, the company offers expertise to its policyholders. As a result, Farm Bureau has an established legacy and continues offering its customers one-of-a-kind insurance products.
Car insurance coverage options with Farm Bureau offer a wide range of possibilities. If you choose Farm Bureau, you’ll be able to customize your auto insurance policy and ensure that it fits your needs.
Farm Bureau reviews from customers are mostly positive, and many policyholders state the company’s customer service is both helpful and professional. The company’s strong financial strength rating allows customers to feel safe and secure if they ever need to file a claim.
While there are many benefits to a Farm Bureau auto insurance policy, there are a few downsides, such as:
- No option for online claims
- Annual membership fee
- Lack of presence in every state
If you choose Farmer Bureau as your auto insurance company, the company does not provide online services for claims. You’ll have to call and speak with a representative if you ever need to make a claim. Unfortunately,
Additionally, Farm Bureau charges an annual fee. Depending on your membership type, you may pay anywhere from $20 to $150 annually for your Farm Bureau membership in addition to your monthly or annual auto insurance rates.
The biggest Farm Bureau Insurance complaints are that coverage is not available in every state. The company has subsidiaries in certain areas, but you’ll have to research reviews on Farm Bureau Insurance to determine whether the company operates in your city.
Farm Bureau Property & Casualty Insurance Company (FBPCIC) Insurance Coverage Options
Does Farm Bureau have car insurance? Yes, Farm Bureau car insurance reviews show that it offers the standard coverage options you’d expect from a major insurance provider, such as:
- Liability. Liability auto insurance covers damage you cause to someone else’s vehicle or property.
- Collision. Collision insurance helps if you are in an accident and your car is damaged and in need of repairs.
- Comprehensive. Comprehensive auto insurance is useful if something other than an accident, like inclement weather, wild animals, or vandalism, damages your vehicle.
- Medical Payments (MedPay). MedPay coverage helps with medical bills related to a covered event.
- Personal Injury Protection (PIP). Personal injury protection coverage is similar to MedPay, but coverage is often broader in scope.
- Uninsured or Underinsured Motorist. Uninsured motorist coverage helps if someone else damages your vehicle but does not have proper auto insurance to pay for repairs.
Farm Bureau full coverage car insurance will include liability, collision, and comprehensive, but also PIP/MedPay and uninsured motorist protection if your state insurance laws require it.
In addition to the coverages listed above, Farm Bureau offers add-ons to help policyholders customize their auto insurance plans. Additional auto coverage options include Farm Bureau classic car insurance, antique car coverage, and rental car reimbursement.
Farm Bureau also offers many additional types of coverage including Farm Bureau motorcycle insurance, farm and ranch insurance, residential equipment insurance, home-based business insurance, and more.
Reviews of Farm Bureau insurance products are positive from many policyholders concerning the company’s customer service department. Likewise, Farm Bureau financial services reviews are an excellent point to start if you need banking and investing opportunities.
Does Farm Bureau have a mobile app?
Farm Bureau has a mobile app available to Android and iPhone users. On the Farm Bureau mobile app, policyholders can:
- Request roadside assistance
- View the status of a claim
- Locate an agent or representative
- Read specific policy information
- View member benefits
The Farm Bureau app also allows policyholders to pull up a copy of their auto insurance cards.
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Farm Bureau Property & Casualty Insurance Company (FBPCIC) Insurance Rates Breakdown
Farm Bureau rates are competitive when compared to other popular auto insurance providers. In some cases, Farm Bureau’s rates are cheaper than other companies.
| Company | High Coverage | Low Coverage | Medium Coverage |
|---|---|---|---|
| Allstate | $428 | $386 | $408 |
| American Family | $285 | $281 | $295 |
| Farmers | $375 | $327 | $347 |
| Geico | $286 | $250 | $268 |
| Liberty Mutual | $530 | $484 | $505 |
| Nationwide | $292 | $283 | $287 |
| Progressive | $363 | $311 | $335 |
| State Farm | $288 | $255 | $272 |
| Travelers | $385 | $352 | $372 |
| USAA | $222 | $200 | $212 |
Farm Bureau charges an average of around $1,675 annually or $140 per month for car insurance for a 30-year-old male.
In comparison, Geico auto insurance costs around $1,806 annually or $150 per month for similar coverage, and Allstate auto insurance costs around $4,122 annually or $344 per month. When you compare Farm Bureau vs. Progressive, Progressive auto insurance costs around $3,509 annually or $292 each month for auto insurance
Geico’s rates go down for men who are married and for women, while rates with Farm Bureau stay the same. Still, even though rates with Progressive and Allstate also decrease, Farm Bureau is less expensive than both companies.
How much will I pay for Farm Bureau car insurance?
While it’s helpful to know how much people pay for Farm Bureau insurance on average, you won’t know how much you’ll pay until you get a Farm Bureau car insurance quote.
How much is Farm Bureau car insurance? Farm Bureau uses several factors when determining a person’s auto insurance rates. These factors likely include age, driving history, credit score, car make and model, coverage types, and more.
Your Farm Bureau insurance costs may be cheaper if you have a good credit score and a clean driving record. However, you’ll probably pay more if you have violations on your driving record.
Farm Bureau Property & Casualty Insurance Company (FBPCIC) Discounts Available
Farm Bureau offers many of the standard car insurance discounts that other companies offer with their coverage, like:
- Good student
- Claim-free
- Low mileage
- Multi-policy
- Multi-vehicle
- Smart pay
- Young driver training
In recognition of their life-saving work and the stressful conditions they often face, Farm Bureau Insurance car insurance discounts also include an emergency medical services (EMS) auto insurance discount.
Discounts can help you save as much as 25% on car insurance coverage. If you qualify for a discount with Farm Bureau, call the company and speak with a representative to see how much you could save.
Read more: Auto Insurance Discounts for Farm Bureau Members
You may find that discounts don’t add up to significant savings. If that’s the case, remember to compare quotes online to find a company that will offer you better rates for car insurance in your area.
Farm Bureau Driveology Review
Driveology with Farm Bureau is a usage-based car insurance program that monitors drivers’ driving habits. Interested policyholders download an app that allows Farm Bureau to track their driving patterns.
The app will log information about the following:
- Hard braking patterns
- Acceleration speeds
- Sharp turns
- Driving time of day
- Distracted driving
If you practice safe driving habits, you may be eligible to save up to 30% on your car insurance coverage with Driveology.
How Farm Bureau Property & Casualty Insurance Company (FBPCIC) Ranks Among Providers
How does Farm Bureau Insurance rate when compared to the competition? As stated above, Farm Bureau’s average cost for car insurance is $1,675. Again, look at the chart to see how Farm Bureau stacks up against the competition.
| Insurance Company | One Ticket | Clean Record | One DUI | One Accident |
|---|---|---|---|---|
| Allstate | $195 | $166 | $303 | $237 |
| American Family | $131 | $116 | $177 | $167 |
| Cure | $139 | $111 | $201 | $175 |
| Farmers | $176 | $140 | $191 | $199 |
| Liberty Mutual | $217 | $177 | $325 | $237 |
| Nationwide | $145 | $120 | $252 | $165 |
| Progressive | $143 | $109 | $147 | $190 |
| State Farm | $102 | $91 | $124 | $107 |
| Travelers | $148 | $107 | $230 | $157 |
| U.S. Average | $152 | $123 | $218 | $177 |
Is Farm Bureau Insurance expensive? If you compare Farm Bureau Mutual vs. Geico or State Farm, you’ll see that these national providers have much cheaper rates. But Farm Bureau insurance rates are often cheaper than Farmers and Allstate.
You may have different auto insurance companies in your area than the ones listed above. Research several different companies and read car insurance reviews to see which might work best for you.
The easiest way to find the cheapest auto insurance is to read comprehensive car insurance reviews, ask your friends and family members if they have an auto insurance carrier they recommend, and get a quote from more than one prospective company to ensure that Farm Bureau auto insurance quotes are the cheapest near you.
Farm Bureau Auto Insurance Review: The Bottom Line
Farm Bureau Insurance may be a good pick for you if you’re interested in auto insurance. Farm Bureau ratings are high with A.M. Best and the Better Business Bureau, and the company offers coverage at competitive rates in most areas.
Farm Bureau requires that you become a member before purchasing insurance products, so you’ll have to factor the membership fee into the insurance cost. Farm Bureau is not active in every state, so you’ll need to research whether there’s a Farm Bureau Insurance company near you.
For example, you’ll need to read state-specific reviews for Farm Bureau Insurance, such as Missouri Farm Bureau Insurance reviews and Colorado Farm Bureau Insurance reviews.
Before you commit to Farm Bureau for your auto insurance needs, enter your ZIP code to compare rates from other insurance companies in your area. Doing so will help you learn which company offers the coverage you’re looking for at a rate that works with your budget.
Frequently Asked Questions
Is Farm Bureau a good insurance company?
Farm Bureau offers competitive rates and a positive customer service experience. The company has an A (Excellent) financial strength rating with A.M. Best and an A+ rating with the Better Business Bureau.
Can anyone get Farm Bureau Insurance?
No, only Farm Bureau members can buy auto insurance. You can sign up online in states where Farm Bureau car insurance is available by paying the annual membership fee.
What types of insurance does Farm Bureau sell?
Farm Bureau sells auto, home, farm, ranch, and life insurance. In addition, some Farm Bureau subsidiaries offer different types of coverage. You can research the Farm Bureau company in your area to learn more about available coverages.
Does Farm Bureau offer SR-22 insurance?
Yes, Farm Bureau SR-22 insurance is available for high-risk drivers who need it.
Does Farm Bureau auto insurance cover rental cars?
Farm Bureau automobile insurance extends to rental cars if you carry full coverage with comprehensive and collision insurance. You will need to add rental reimbursement to your policy if you want Farm Bureau to cover rental cars after a claim.
Does Farm Bureau offer gap insurance?
If you need gap auto insurance, Farm Bureau provides this coverage for auto loans and leases.
Is Farm Bureau Insurance cheap?
In some cases, Farm Bureau rates are cheap. However, you will have to get a quote from the company to learn whether Farm Bureau offers the cheapest auto insurance rates in your area.
What is Farm Bureau Auto Insurance?
Farm Bureau Auto Insurance is an insurance product offered by Farm Bureau Financial Services, a company that specializes in providing insurance and financial services to individuals and families in rural areas. Their auto insurance coverage is designed to protect policyholders from financial loss in the event of accidents, theft, or damage to their vehicles.
What types of coverage does Farm Bureau Auto Insurance offer?
Farm Bureau Auto Insurance offers a range of coverage options to suit the needs of policyholders. This includes liability coverage, which pays for damages and injuries caused to others in an accident, as well as comprehensive coverage for damage to the insured vehicle from non-collision incidents like fire, theft, or vandalism. They also offer collision coverage to cover repair or replacement costs for the policyholder’s vehicle in the event of a collision.
Why is Farm Bureau Insurance so expensive?
Several factors can influence the cost of your Farm Bureau Auto Insurance premiums. These may include your age, driving record, the make and model of your vehicle, your location, and the coverage options you choose. Generally, individuals with clean driving records and lower-risk vehicles may be eligible for lower premiums.
Are there any discounts available for Farm Bureau Auto Insurance?
Yes, Farm Bureau Auto Insurance offers various discounts that policyholders may be eligible for. These discounts can help reduce the overall cost of premiums. Examples of common discounts include multi-policy discounts (when you bundle your auto insurance with other insurance products), safe driver discounts, good student discounts for young drivers with good grades, and discounts for certain vehicle safety features.
Can I manage my Farm Bureau Auto Insurance policy online?
Yes, Farm Bureau Auto Insurance provides online account management tools that allow policyholders to conveniently manage their policies. Through the online portal or mobile app, you can view your policy details, make payments, update your contact information, and even request changes to your coverage.
How can I cancel my Farm Bureau Auto Insurance policy?
If you wish to cancel your Farm Bureau Auto Insurance policy, it is best to contact your local Farm Bureau agent directly. They will assist you with the cancellation process and answer any questions you may have. Keep in mind that canceling a policy before its expiration date may result in certain fees or penalties, so it’s important to review the terms and conditions of your policy and discuss them with your agent.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
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.
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Scam Artists
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Anonymous
Farm Bureau review
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Great Customer Service.
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Very memorable!
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Excellent Company
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Farm Bureau Cares about Clients
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Bad experience
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Would recommend Farm Bureau