Georgia Farm Bureau Auto Insurance Review (2024)

Georgia Farm Bureau offers competitive car insurance rates to members. Unfortunately, the company only provides coverage in the state of Georgia.

You can read Georgia Farm Bureau car insurance reviews from customers online if you’re interested in purchasing a Georgia Farm Bureau vehicle insurance. Doing so will help you learn more about the Georgia Farm Bureau claims process and how customers feel about the company’s service.

What You Should Know About Georgia Farm Bureau Insurance

If you live in Georgia and are looking for the best car insurance companies in the area, you may want to consider Georgia Farm Bureau. Georgia Farm Bureau car insurance coverage is available for a competitive rate, but policyholders must be members of the Farm Bureau Insurance Company to qualify for coverage.

Fortunately, members of the Farm Bureau insurance in GA enjoy various coverages and exceptionally low insurance rates, as Georgia Farm Bureau offers some of the cheapest insurance prices in the state. Unfortunately, Georgia Farm Bureau Insurance Company only offers coverage in Georgia.

GA Farm Bureau Auto Insurance Explained

Georgia Farm Bureau is part of the Georgia Farm Bureau Federation. The company was created in 1958 as a way for farmers and rural families to get better insurance options.

Today, Georgia Farm Bureau offers coverage to anyone with a Farm Bureau membership. You must pay $35 a year to join the Farm Bureau, but you may be able to get cheap car insurance rates, homeowners insurance, and other benefits from joining.

Georgia Farm Bureau Auto Insurance Reviews From Customers

According to the National Association of Insurance Commissioners, the customer service of Georgia Farm Bureau Insurance received fewer complaints than expected for a company of its size. Still, the Georgia Farm Bureau insurance rating for financial strength with A.M. Best is a B++ (good), which is lower than many of its competitors.

Georgia Farm Bureau Insurance Coverage Options

Georgia Farm Bureau offers the following coverages:

• Standard liability coverage
• Uninsured/underinsured motorist coverage
• Collision
• Comprehensive

GA Farm Bureau insurance policies automatically include roadside assistance.

The company has several offices throughout the state with representatives to help resolve any issues. You can make Georgia Farm Bureau insurance claims or Georgia Farm Bureau payments on the company’s website or via the company’s mobile app.

Georgia Farm Bureau Insurance Rates Breakdown

Georgia Farm Bureau Car Insurance Quotes

While Georgia Farm Bureau insurance quotes are a bit higher than the national average, they’re among the lowest rates in the state. Take a look at the table below to get an idea of what you can expect with minimum coverage.

If you have a clean driving record, you could pay around $2,031 for a full coverage car insurance policy with Georgia Farm Bureau. Compare that with rates in the map below.

However, if you have a speeding ticket or accident on your record or a teen driver on your policy, expect to pay higher coverage rates.

How does your driving record affect your rates?

Speeding tickets will affect what you would pay for car insurance. Georgia Farm Bureau rates will increase for a driver with a speeding ticket similar to the chart below.

You should expect similar rate increases if you are in a car accident and considered to be at fault.

As with speeding tickets and accidents, a DUI will increase what you pay for auto insurance. Some insurers won’t even offer insurance to drivers with a DUI on their record. We’ve put together a list of companies that do and what each charge.

You can see why it pays to keep a clean driving record.

How does your age and credit score affect your car insurance rates?

Your age plays a significant factor in how much you pay for car insurance. A brand new driver is going to see higher rates because they’re new to the road and have very little experience.

This makes teenage drivers a larger liability to insurance companies, hence the higher rates. Here’s an idea of what you can expect to pay if you’re a teenage driver.

You will see your rates begin to decrease when you turn 25 as long as you keep a clean driving record.

Once drivers are determined to be seniors, they can expect the rates to increase again.

Besides age, driving history, and coverage levels, your credit score can also impart your car insurance rates. Insurers see drivers with poor credit to be of high risk. Take a look at how your rates fluctuate depending on your credit score.

With so many factors influencing your insurance rates, it is always recommended that you shop around with multiple insurance companies for quotes.

Georgia Farm Bureau Insurance Discounts Available

Georgia Farm Bureau Discounts

Georgia Farm Bureau offers a few options for auto insurance discounts, including:

• Driver training. You can take a certified course and save money on coverage.
• Good student. High school and college students with high GPAs can save on annual coverage.
• Safe driver. You can save money over time by keeping a clean driving record and avoiding at-fault accidents.

Discounts can help you save up to 25% on your car insurance policy, so speak with a Georgia Farm Bureau representative to see if you qualify for coverage discounts.