Farm Bureau Auto Insurance

Farm Bureau Auto Insurance

 4.0/5 (369 ratings)
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About Farm Bureau Auto Insurance

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Farm Bureau Financial Services provides several types of auto and property insurances. The company offers low rates and discounts for bundled coverage, and policyholders can select from and customize various full coverage plans. Farm Bureau writes auto insurance policies in 10 states.

Overall Satisfaction Rating

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  • Bundle discounts
  • Highly rated customer service
  • Low rates


  • Limited discounts
  • Available only in 10 states

Bottom Line

Farm Bureau offers customizable auto insurance at low rates.The company doesn’t operate in all 50 states, but it has partner companies that provide some discounted coverage options.

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About Farm Bureau auto insurance

Farm Bureau is an insurance provider that offers affordable and customizable auto coverage. Its policy options include liability, collision, comprehensive, medical and no-fault insurance, as well as comprehensive collision insurance for motorcycles and some options for touring bikes, sportbikes, cruisers and three-wheelers. You can also bundle Farm Bureau insurances for a cheaper rate.

Farm Bureau auto insurance coverage

Farm Bureau offers standard auto coverages. It also provides a few add-ons:

  • Replacement cost coverage: This will reimburse you for the cost of your car if the model is only four or five years old.
  • Roadside assistance coverage: Ensures towing services for your vehicle if it stops working.
  • Driveology: Provides discounts for safe driving. You install a small tech device into your vehicle, and if the data shows good driving with minimal mishaps, you could get up to 30% off on your premiums.

Farm Bureau auto insurance quotes and costs

Farm Bureau insurance requires an annual fee. Its cheapest coverage runs about $20 to $90 a year, depending on your location and driving history. If you work in agriculture, you might want to pay more to receive discounts and to vote on policy issues within the American Farm Bureau Federation. You can request more membership info from your state's Farm Bureau office. For a 30-year-old adult with a clean driving record, the annual rate averages around $1,675.

With Farm Bureau, you can get multicar and multipolicy discounts, and you can also get a rate cut if you have anti-theft technology installed.

Farm Bureau auto insurance FAQ

Where does Farm Bureau offer auto insurance?
Farm Bureau writes car insurance policies in Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Texas and Virginia.
Does Farm Bureau offer a comprehensive coverage plan?
Yes, Farm Bureau offers comprehensive auto coverage.
Where is Farm Bureau auto insurance available?
Farm Bureau has agents or partner companies in every state except Hawaii.
Who owns Farm Bureau?
The American Farm Bureau Federation owns Farm Bureau.

Is Farm Bureau auto insurance good?

Yes, Farm Bureau offers solid auto insurance coverage at affordable rates, especially when bundled with other policies (e.g., mobile home or ranch insurance). While its service area is limited, it’s a good option for qualifying drivers that want standard and low-cost auto insurance.

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Page 1 Reviews 0 - 10
Rated with 1 star
profile pic of the author
Verified Reviewer
Original review: May 6, 2022

My father had a chainsaw accident on his property. I was driving him places and doing errands for him for months as a permitted driver, HE ASKED IF HE NEEDED TO ADD ME TO HIS INSURANCE (THEY SAID I AM A PERMITTED DRIVER). In Aug on a Sunday when it was raining I texted from my mother's to KY Das who needed my help. I told him I can get over there but because of the rain it will take longer. WE KNOW I DRIVE SLOWER DUE TO THE RAIN FROM THE TIME OF THE LAST TEXT TILL when the accident happened. When I was less than 1 mile from his place in front of a church an Suv speeding down hill hit the car I was driving. The state patrol officer knew the other driver. He said I was at fault in his report. ONLY his report said no air bags deployed and the accident was not on a slope/hill. The parking lot is on both sides of the road.

I told the officer I was going under 25MPH because I stopped for people in front of the church I said it's got wifi cameras (I THINK IT WAS PEOPLE LEAVING LATE LIKE MUSICIANS). The state Patrol officer said I hydroplaned yet the car was still on the road. A 1 lane 15ft wide rd. The suv couldn't stop even after hitting the car I was driving. It went into the grass, left no tire tracks on the rd as if it was hydroplaning or was not going to even slow down even after hitting the car I was driving, it hit the car. I was driving and kept going down hill 50 more ft closer to the church parking lot of a Sunday a school bus or church bus might take up half of that 15ft rd especially if letting people put- Kentucky Farm Bureau paid me nothing or my dad. They said it covered my hospital bills and bought the other driver a new car...

I paid for towing and all repairs. So far just paint is needed and I have the paint already here- yet they and my lair refuse to say that officer is liar on a Sunday in front of a church with wifi cameras the time State Patrol was looking for 2 criminals on the run needing money and they asked the church/neighbors to monitor their wifi cameras (plus trial cameras in the woods) and parking lot due to some using their free unlocked wifi (plus thefts from cars). That week state patrol shot and killed those 2 wanted criminals - and the church said there was no cameras recording who or what happened in front of their church - so that week before state patrol killed 2 an officer lied on a Sunday. Filed an inaccurate report in front of a church. THEY ARE NOT TO BE TRUSTED AND KY FARM BUREAU DON'T CARE.

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Rated with 1 star
Verified Reviewer
Original review: April 26, 2021

I had discontinued my insurance with Farm Bureau many months ago. I received a bill for $42 today (2nd time, which I thought maybe I kept the homeowners on..but no) and realized I kept my insurance local. I called them and asked them for my policy number just to see and of course there was none. I asked, "Why am I being charged 42.00 and don’t even have a policy with you?" I then said I wanted a refund for the last payment of 42.00 for the deception. They said.. "It had been over 10 days." No refund. I am shocked Farm Bureau sends out this misleading invoice. This is fraud and to those who have multiple insurances with different companies watch for this bill. By the time you realize what they did it’s too late.

8 people found this review helpful

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    Rated with 5 stars
    Verified Reviewer
    Original review: Dec. 5, 2020

    After looking around for good, decently priced insurance, we finally decided on Arkansas Farm Bureau Insurance Company (AFBIC). This wasn't a rushed decision and between the two of us (my wife and I) we looked over at least 6 different companies. All of the other companies - most of the names listed in the question - AFBIC had the best bang for the buck. We ended up getting the same high end type of policy for around $250/6 months less than the next lowest price. As with 95+% of other insurance companies I have been with, I do Not have any idea how good, bad or indifferent the claims side is because in 40+ years of paying for insurance, I've had 2 claims (both over 20 years ago).

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    Rated with 5 stars
    Verified Reviewer
    Original review: Aug. 3, 2020

    Have been a customer of Farm Bureau for over 30 years. Have home owner’s with them also which gives a discount. The agents and staff are easy to contact and work with. Feel they have my best interest at heart. Have had to submit claims for both auto and home. Rates did not increase and service was exceptional.

    4 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Aug. 2, 2020

    Best insurance I have had. Wonderful representative! Very reasonable, yet extremely dependable. Fair also. Two roofs and one car replaced due to hail damage. Todd C rocks. Very aware of taking good care of his customers.

    3 people found this review helpful
    Rated with 4 stars
    Verified Reviewer
    Original review: July 25, 2020

    I'm relatively satisfied with this company, but they have many "provisions" that aren't covered with home owners insurance. However, they fail to point this out when they are talking to you about coverage.

    6 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: July 24, 2020

    Texas Farm Bureau agents and staff give personal attention to customer's needs.There are usually quick response and call back times to settle any insurance decisions or questions you may have. Decent rates and discounts for insurance bundles.

    2 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: July 23, 2020

    I've had my home and auto insurance with Farm Bureau for 17 years. I previously had both with State Farm, but found that Farm Bureau offered the same coverage for much less. Their customer service is spot-on. Response to claims is immediate. Support from their local office is unparalleled. I've had 2 claims within the last 17 years. I received payment within 2 weeks or less to repair the damages my home had faced.

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: June 23, 2020

    I have been with Farm Bureau for over 10 years now. Never had a claim. April 2019 - My parked car was damaged and I submitted the claim with the person who damaged it, car insurance information. All went well, until I asked for FB to go and get my $500 deductible from her car insurance. I was told by the adjuster, they would pursue it as a "courtesy". When I called for the status 8 weeks later, I was told to quit bothering them. A year passed and I reached out to my agent. He apologized. Said he would take care of it... but he couldn't find any information on file. Not about the other person's car insurance information nor pictures. I had to resend it. I have repeatedly tried to get updates. I get crickets. AWFUL!

    16 people found this review helpful
    Rated with 2 stars
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    Verified Reviewer
    Original review: May 13, 2020

    Farm Bureau has not been COVID-19 friendly and somewhat misleading. They announced a "Promise to Give Special Premium 15% Discount" on April 18th by email. The announcement said "The Farm Bureau Insurance Companies are applying a one-time credit to all personal auto policyholders. This special credit is based on 15 percent of two months auto premium paid for each vehicle we cover-an estimated value of about $30 million. No action needs to be taken by you to receive this special assistance. We will simply credit the customers' next invoice after we start the program." However, as you can see, they didn't commit to a date when the program was to start. When I received my renewal invoice email on May 13th for a June 1, 2020 renewal the discount was not applied.

    When I called my agent I was told the program doesn't start until May 15 and since my May invoice for a (6 month premium renewal) was dated prior to May 15, they cannot apply the discount until the next six months renewal invoice. That defeats the purpose of a COVID-19 discount if I have to wait 6 MORE months, until December 2020 before a discount can be applied. Then I asked if I could switch from 6 month premium to monthly premium. I was told yes but auto bank draft was required to which I agreed. Then I was told I would have to pay 2 months premium UPFRONT in order to go on the monthly plan. Again, this defeats the purpose of COVID-19 relief. All FB had to do to help policy holders that wanted to switch from 6 month payments to monthly because of COVID-19 is to waive the 2 months upfront requirement. Their attempt to help policy holders seems like a very lame effort and insincere.

    13 people found this review helpful
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    Farm Bureau Auto Insurance Company Information

    Company Name:
    Farm Bureau
    Year Founded: