Farm Bureau Auto Insurance Review (2023)

Is Farm Bureau Property & Casualty Insurance Company (FBPCIC) a Good Choice?

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.

In addition to offering farm liability coverage, Farm Bureau now offers many additional coverages, including farm and ranch insurance, residential equipment insurance, home-based business insurance, motorcycle insurance, and more. Farm Bureau has positive reviews from many policyholders concerning the company’s customer service department.

What are the pros of a Farm Bureau insurance policy?

Choosing Farm Bureau as your auto insurance company comes with many perks.

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 has good customer service reviews, 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.

What are the cons of a Farm Bureau car insurance policy?

While there are many benefits to a Farm Bureau auto insurance policy, there are a few downsides as well.

If you choose Farmer Bureau as your auto insurance company, you’ll have to call and speak with a representative if you ever need to make a claim. Unfortunately, the company does not provide online services for claims.

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.

Farm Bureau is not available in every state. The company has subsidiaries in certain areas, but you’ll have to research to determine whether the company operates in your city.

Does Farm Bureau auto insurance have good ratings and reviews?

Farm Bureau has an A (Excellent) financial strength rating with A.M. Best. Farm Bureau Insurance also has an A+ rating with the Better Business Bureau (BBB).

Farm Bureau insurance reviews are mixed in terms of customer service. Some Farm Bureau businesses, like Farm Bureau Insurance of Tennessee, have excellent rankings, while others, like North Carolina Farm Bureau Insurance, have more than the expected number of complaints.

If you’re interested in purchasing a policy with Farm Bureau, you can research the Farm Bureau organization in your area. Read what customers say about the company’s claims processing and customer service.

Farm Bureau Property & Casualty Insurance Company (FBPCIC) Rates

How much is Farm Bureau auto insurance?

Farm Bureau rates are competitive when compared to other popular auto insurance providers. In some cases, Farm Bureau’s rates are cheaper than the rates of other companies.

Farm Bureau charges an average of around $1,675 annually or $140 per month for car insurance for a 30-year-old male. Geico auto insurance costs around $1,806 annually or $150 per month for similar coverage. Progressive auto insurance costs around $3,509 annually or $292 each month for auto insurance, and Allstate auto insurance costs around $4,122 annually or $344 per month.

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 quote from the company.

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.

You may pay lower-than-average rates with Farm Bureau for auto insurance 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
• Safety features

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.

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.

What is the Farm Bureau Driveology program?

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.

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.

Farm Bureau Property & Casualty Insurance Company (FBPCIC) Coverage Options

What types of car insurance coverage does Farm Bureau offer?

Farm Bureau 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.

In addition to the coverages listed above, Farm Bureau offers add-ons to help policyholders customize their auto insurance plans. Farm Bureau’s additional coverage options include classic car coverage, antique car coverage, and rental car reimbursement, to name a few.

Farm Bureau Property & Casualty Insurance Company (FBPCIC) vs. Competitors

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.

Companies like Erie, Nationwide, and Geico may charge lower rates for car insurance coverage. But Farm Bureau is often cheaper than Farmers, Allstate, and other expensive car insurance companies.

You may have different auto insurance companies in your area than the ones listed above. Research several different companies to see which might work best for you. Ask your friends and family members if they have an auto insurance carrier they recommend, and get a quote from any prospective company to ensure you don’t overpay for coverage.

Farm Bureau Insurance: The Bottom Line

Farm Bureau Insurance may be a good pick for you if you’re interested in auto insurance. 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.

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.

Before you commit to Farm Bureau for your auto insurance needs, find and 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.