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Farm Bureau Auto Insurance Review: Can you get affordable quotes? (2024)

Our Farm Bureau auto insurance review finds competitive rates for drivers with poor credit, about $167/mo. Drivers also enjoy Farm Bureau membership benefits, including discounts on hotels and car rentals. Farm Bureau insurance complaints are low, with exceptions in some states regarding auto claims.

UPDATED: Jun 14, 2024Fact Checked
Home » Companies » Best Affordable Auto Insurance Companies

Written by:

Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

Full Bio →
Written by Melanie Musson

Published Insurance Expert

Reviewed by:

Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Full Bio →
Reviewed by Brandon Frady

Licensed Insurance Agent

UPDATED: Jun 14, 2024

Advertiser Disclosure

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 insurance industry 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: Jun 14, 2024

Advertiser Disclosure

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 insurance industry 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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UPDATED: Jun 14, 2024Fact Checked
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FBL Financial Group, Inc.

Average Monthly Rate For Good Drivers

$73

A.M. Best Rating:

A

Complaint Level:

Med

Pros

  • Additional membership perks, like discounts on hotels, farm equipment, and car insurance
  • Affordable rates for drivers with poor credit
  • Multiple types of insurance coverage with bundling discounts

Cons

  • Can’t file Farm Bureau auto insurance claims online
  • Can’t buy Farm Bureau insurance online
  • Farm Bureau auto insurance not available in every state

Farm Bureau auto insurance offers several different types of auto insurance coverage, competitive rates, discounts, and membership benefits. On average, a Farm Bureau auto insurance policy costs $73 monthly, so getting a cheap Farm Bureau quote should be easy.

In addition, Farm Bureau is one of the most affordable auto insurance companies for drivers with credit. However, you should always do a Farm Bureau auto insurance quotes comparison to ensure the company offers the coverages and price you need.

What You Should Know About Farm Bureau Insurance

Farm Bureau auto insurance costs around $73 a month, making it a competitive option for affordable coverage. You can get everything you need to drive legally with Farm Bureau, including optional policies such as collision and comprehensive auto insurance coverage.

Keep reading our Farm Bureau review to learn more about the company’s auto insurance discounts and average costs and find the best Farm Bureau insurance coverage in your area.

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Farm Bureau Insurance Coverage Options

You’ll pay affordable Farm Bureau insurance rates if you only need to meet state auto insurance requirements with Farm Bureau. Affordable liability auto insurance coverage is cheap because it only protects other drivers in at-fault accidents.

Car insurance companies consider many factors when setting rates, such as coverage type, age, gender, location, driving record, vehicle type, and more.

Dani Best LICENSED INSURANCE PRODUCER

Check out the list below to see other Farm Bureau insurance coverage types that offer more protection:

Read More: Best Affordable Auto Insurance Companies

  • Collision: Collision coverage pays to repair or replace your car after an accident. Find affordable collision auto insurance coverage with Farm Bureau by getting a quote.
  • Comprehensive: You can get comprehensive insurance coverage with Farm Bureau, which protects your car against animal collisions, theft, vandalism, and weather damage.
  • Personal injury protection: Personal injury protection helps pay for medical expenses resulting from an accident, and finding affordable personal injury protection auto insurance at Farm Bureau is easy.
  • Uninsured/underinsured motorist coverage: Uninsured/underinsured motorist coverage pays for vehicle damage and medical bills if a driver with little or no insurance hits you. It also covers you after a hit-and-run. Learn how to find affordable uninsured or underinsured auto insurance coverage with Farm Bureau.

Our Farm Bureau insurance review shows the company sells the coverages necessary to remain street-legal and more. Learn more about the difference between comprehensive vs. collision coverage here.

Farm Bureau Insurance Rates Breakdown

You might wonder how insurers calculate auto insurance rates. Since location affects rates, you should also compare auto insurance quotes by state to find the best deal in your area. Take a look at the table below to see how age affects your auto insurance rates with Farm Bureau insurance vs. State Farm and other companies:

Farm Bureau vs. Top Companies: Monthly Auto Insurance Rates by Age & Gender

Age & GenderAllstateAmerican FamilyFarm BureauFarmersGeicoNationwideProgressiveState Farm
16-Year-Old Male$638$509$568$773$312$476$814$349
16-Year-Old Female$608$414$560$810$298$411$801$311
18-Year-Old Male$519$414$462$629$254$387$662$284
18-Year-Old Female$448$305$413$597$220$303$591$229
25-Year-Old Male$190$147$102$180$93$150$146$111
25-Year-Old Female$181$124$98$172$97$136$141$101
30-Year-Old Male$176$137$95$167$87$136$136$103
30-Year-Old Female$168$116$91$160$90$124$131$94
45-Year-Old Male$160$117$73$139$80$115$105$86
45-Year-Old Female$162$115$78$139$80$113$112$86
55-Year-Old Male$152$111$70$131$76$109$100$82
55-Year-Old Female$153$109$74$132$76$107$106$82
60-Year-Old Male$154$105$67$128$74$104$95$76
60-Year-Old Female$150$104$64$120$73$99$92$76
65-Year-Old Male$157$114$72$136$78$112$103$84
65-Year-Old Female$158$113$76$136$78$111$109$84

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In addition, you’ll pay higher Farm Bureau insurance prices if you have a DUI, speeding ticket, or accident on your driving record. Check out this table to see how your driving record impacts your auto insurance rates:

Farm Bureau vs. Top Companies: Monthly Auto Insurance Rates by Driving Record

Driving RecordAllstateAmerican FamilyFarm BureauFarmersGeicoNationwideProgressiveState Farm
Clean Record$160$117$73$139$80$115$105$86
Speeding Ticket$188$136$98$173$106$137$140$96
Accident$225$176$130$198$133$161$186$102
DUI$270$194$98$193$216$237$140$96

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Lastly, your credit score and auto insurance quotes also relate. Insurers view drivers with low credit as more likely to miss premium payments and file claims. See how credit affects your Farm Bureau rates in the table below:

Farm Bureau vs. Top Companies: Monthly Auto Insurance Rates by Credit Score

Credit ScoreAllstateAmerican FamilyFarm BureauFarmersGeicoNationwideProgressiveState Farm
Excellent$145$108$100$113$100$108$104$104
Good$168$125$117$129$113$125$121$121
Average$180$142$133$146$129$142$138$138
Poor$260$171$167$175$158$171$167$167

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Farm Bureau Insurance Discounts Available

Many Farm Bureau auto insurance discounts are available to help policyholders get cheap coverage. Check out a list of Farm Bureau’s discounts below:

Farm Bureau Auto Insurance Discounts

Discount NameSavingsDescription
Multi-Vehicle10%-25%This discount offers savings to customers who choose to insure multiple vehicles under one policy.
Multi-Policy10%-20%Customers can save on their insurance by bundling auto insurance with other policy types, such as home or life insurance.
Good Student5%-15%This discount serves as a reward for young drivers who maintain a B average or higher in school.
Safe Driver10%-25%Individuals with a clean driving record, devoid of accidents or traffic violations, qualify for this discount.
Defensive Driving Course5%-10%Drivers who have successfully completed an approved defensive driving course are eligible for this discount.
Loyalty1%-10%As a gesture of appreciation, this discount is offered to long-term policy holders for their loyalty.
Early Renewal5%-10%Policyholders who renew their insurance policy before its expiration date can enjoy this discount.
Farming Equipment5%-15%This discount is designed for vehicles predominantly used in farming or other agricultural tasks.
Young Driver Safety5%-10%Young drivers who have successfully completed a certified safety course can benefit from this discount.

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As shown, Farm Bureau policyholders may qualify for various discounts, such as a good student auto insurance discount and a good driver auto insurance discount.

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How Farm Bureau Insurance Ranks Among Providers

While Farm Bureau offers solid auto insurance coverage options, customer service, and claims handling, it won’t be the right choice for every driver. Compare your Farm Bureau quotes against its competitors to find your best deal.

Read and learn more about how to compare auto insurance quotes from multiple companies:

Frequently Asked Questions

Is Farm Bureau a good auto insurance company?

Farm Bureau auto insurance is a good company offering affordable rates, various coverage options, and benefits.

Can I buy Farm Bureau auto insurance online?

Unfortunately, you can’t buy a Farm Bureau car insurance policy online.

Is there a fee to cancel Farm Bureau auto insurance?

You likely won’t incur a fee for canceling your Farm Bureau auto insurance coverage.

Is Farmers Insurance the same as Farm Bureau auto insurance?

Farmers and Farm Bureau auto insurance are different companies.

Is Tennessee Farmers Mutual Insurance the same as Farm Bureau car insurance?

Farm Bureau auto insurance, which operates a network of various Farm Bureau branches in multiple states, is the parent company of Tennessee Farmers Mutual Insurance Company. Learn more about what to do when moving to a new state and changing car insurance.

Is Allstate insurance more expensive than Farm Bureau auto insurance?

Allstate auto insurance averages $160 monthly, while Farm Bureau costs around $73/mo.

Does Farm Bureau auto insurance company pay claims quickly?

Generally, insurers such as Farm Bureau pay out claims within 30 days of filing the claim.

Can anyone get Texas Farm Bureau insurance?

You must be a member of the Texas Farm Bureau to get Texas Farm Bureau auto insurance coverage.

How does Farm Bureau insurance compare to others?

Compared to other companies, Farm Bureau offers competitive auto insurance rates and unique policy benefits, such as discounts on rentals and hotels.

Does Farm Bureau have a good reputation?

Yes, Farm Bureau auto insurance has an A rating from A.M. Best and good customer service.

Is Texas Farm Bureau the same as the main Farm Bureau company?

The Texas Farm Bureau is a member of the Farm Bureau.

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Written by:

Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

Full Bio →
Written by Melanie Musson

Published Insurance Expert

Reviewed by:

Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Full Bio →
Reviewed by Brandon Frady

Licensed Insurance Agent

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.

Reviews
for Farm Bureau Insurance

4.00 (115 reviews)
4
March 26, 2023

MEC58

Under writers are VERY VERY LAZY!!!!!! And they LIE

Love my agent and his receptionist. I can't stand the lazy under writers. This new no fault insurance is BS They require to see my husbands and my Medicare card every 6 months. I don't know why because we aren't going to lose it like EVER!!!!! So every 6 months we fill out the paperwork and send in the copies of our cards. They send us our new policy and have the PIP at 16% instead of the 91% Every 6 months we have to argue with them because they...
Love my agent and his receptionist. I can't stand the lazy under writers. This new no fault insurance is BS They require to see my husbands and my Medicare card every 6 months. I don't know why because we aren't going to lose it like EVER!!!!! So every 6 months we fill out the paperwork and send in the copies of our cards. They send us our new policy and have the PIP at 16% instead of the 91% Every 6 months we have to argue with them because they claim we never sent anything. Continuously over and over and I'm sick of it!!! Then we get charged full rate until they fix it. Then they prorate our premium for the other 3-4 months. It's getting to be not worth the hassle. And I'm sure they know this and are taking advantage of the elderly and disabled.
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2
January 31, 2023

Spade

Scammers

They will start you low and then jack up the prices for your insurance fast will not deal with them again. Scammers
2
April 8, 2022

SaRahl3465

Was told to get into an accident to cover my damages

Personally for the last 12 years I have been satisfied. [REDACTED NAME] has been a great agent. Only problem I have ever had those 12 years was no one at the company could ever spell my name right (and that's with them having a copy of my ID). They are my current insurance holder but that will be changing quite quickly. I nearly collided with a herd of deer in March 2022. I was able to brake fast and hard enough to avoid major damage, but damage...
Personally for the last 12 years I have been satisfied. [REDACTED NAME] has been a great agent. Only problem I have ever had those 12 years was no one at the company could ever spell my name right (and that's with them having a copy of my ID). They are my current insurance holder but that will be changing quite quickly. I nearly collided with a herd of deer in March 2022. I was able to brake fast and hard enough to avoid major damage, but damaged my seat as response to the whiplash. We were told by [REDACTED NAME] (a supervisor) that since I didn't hit anything my vehicle didn't suffer any damage and my seat was caused by wear and tear (Not caused by avoiding the accident) and not covered by my full coverage. [REDACTED NAME], an insurance adjuster, said the same thing. Even if its had been another car accident and I hit the brakes to avoid colliding with another car, it's consider wear and tear. Basically it was told I should have just it the animal. The repair ended up only being $750. Meaning they would have only paid $250. So...instead of using common sense, them lawyering up so they knew what to say, and not reasoning with a customer, who thought they were valued members, we will be taking our business elsewhere. They have good rates, but its covers the fact your dealing with bookies gambling your money that you won't get into an accident. (I have most of our calls on recording if anyone wants to deny anything as well)
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1
March 1, 2022

Kat22kat

Stay away from this company!

I was in a car accident approximately 7 yrs ago.. and they have not paid any of my medical bills in the last 4 years. I have over 200.000 in medical bills and their offer to settle was 50.000 with future. That means they would be done with it (I am still treating). At first I thought what a joke, but the more I thought about it the angrier I got.. they are happy to take your money for the premium but fight till the end so they don't have to pa...
I was in a car accident approximately 7 yrs ago.. and they have not paid any of my medical bills in the last 4 years. I have over 200.000 in medical bills and their offer to settle was 50.000 with future. That means they would be done with it (I am still treating). At first I thought what a joke, but the more I thought about it the angrier I got.. they are happy to take your money for the premium but fight till the end so they don't have to pay out or pay little out.. I do still have them for my insurance company for two reasons. 1) my income is very limited and they are the cheapest, 2) if I was to ever get into another accident they can't blame my old injuries on a new accident and try to make another insurance company pay. We have been in litigation for over 3 yrs now. They are the worst.
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4
October 9, 2020

ckr01

Car Insurance Review

They have reasonable rates and have an excellent reputation in my local area for paying out claims. My only complaint is the annual membership fee.
5
August 18, 2019

Mogirlcher

Number one company

Agent always available when needed. Have had to make claims and we’re always satisfied with service. Cost of polices very competitive.
5
July 30, 2019

tuffy8

Farm Bureau

I have had no problems with this company. Their policies are affordable and they offer lots of discounts.
5
July 26, 2019

Kdanielle

Friendly

They were friendly and patient. I felt as though they genuinely cared about me. They worked with me.
4
June 12, 2019

Jong430

Farm Bureau Review

Great customer service and best price I've found. Any time I have an issue they are quick to help me through it.
5
January 9, 2019

Aloomi02

I swear by this company

I have always had a great experience with them. When I was at my uncle's house and his neighbor backed into my car I had my insurance claim within 7 days. When the bank messed up and my account was overdrawn, Farm Bureau put a hold on my account so that it would not overdraw anymore.
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