Farm Bureau Auto Insurance Review (2023)
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.
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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
UPDATED: Nov 27, 2023
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: Nov 27, 2023
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
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.
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 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)
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.
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.
Read more: Texas Farm Bureau Auto Insurance Review
Farm Bureau Property & Casualty Insurance Company (FBPCIC) Insurance Coverage Options
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.
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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 the rates of 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. 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.
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
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.
How Farm Bureau Property & Casualty Insurance Company (FBPCIC) Ranks Among Providers
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 | Rates with a Ticket | Rates with a Clean Record | Rates with a DUI | Rates with an Accident |
|---|---|---|---|---|
| Allstate | $195 | $166 | $303 | $237 |
| American Family | $131 | $116 | $177 | $167 |
| 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 |
| Average | $152 | $123 | $218 | $177 |
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.
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.
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.
Is Farm Bureau 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.
What factors affect the cost of Farm Bureau Auto Insurance premiums?
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.
Tiffany33
Very memorable!
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Excellent Company
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Farm Bureau Cares about Clients
Dwilk
Bad experience
Jerhole
Would recommend Farm Bureau