Farm Bureau Auto Insurance Review for 2025

Get a detailed 2025 review of Farm Bureau Auto Insurance, including coverage options, state partnerships, rates, discounts, and customer satisfaction. Compare savings and find the best policy for you.

Farm Bureau Auto Insurance Review for 2025

Farm Bureau Insurance Distribution Methodologies

Depending on their state, Farm Bureau members can get insurance through other companies. Many times, a Farm Bureau insurance firm particular to a state writes and markets policies. Two regional Farm Bureau insurance firms also service ten states.

Members of states without a specific Farm Bureau insurance provider can typically get lower insurance rates through partner companies such as Alfa, Country Financial, American National, and Nationwide Insurance. However, Farm Bureau agencies in Hawaii and Washington do not provide members with vehicle or home insurance choices.

Every Farm Bureau insurance firm runs separately, so their offerings of products differ. However, Farm Bureau offers auto, home, and business insurance in most states.

Farm Bureau Insurance Associations by State

Below is a breakdown of Farm Bureau's insurance companies by state:

Farm Bureau Auto Insurance Rates

Farm Bureau auto insurance offers significant savings over state averages, making it appealing to non-farmers. Below are examples of cost reductions for a 35-year-old driver based on a December 2023 analysis:

Kentucky

• $1,234 less for full coverage (good driver).

• $1,686 less after an at-fault crash.

• $1,242 less after a DUI.

• Minimum coverage: $579 less expensive.

Louisiana

• $1,072 less for full coverage (good driver).

• $2,300 less after an at-fault accident.

• $2,353 less after a DUI.

• $198 less for minimal coverage.

Missouri

• $950 less for full coverage (good driver).

• $1,572 less after an at-fault accident.

• $1,923 less after a DUI.

• Minimum coverage: $274 less expensive.

Tennessee

• $631 less for full coverage (good driver).

• $1,525 less after a DUI.

• $1,764 less after an at-fault crash.

• Minimum coverage: $141 less expensive.

Texas

• $1,698 less for full coverage (good driver).

• $2,738 less after an at-fault accident.

• $457 less for the minimum required coverage.

However, Farm Bureau insurance is not always the cheapest option. For instance, in North Carolina, it was more expensive than the state average. Rates vary significantly because more than twenty different Farm Bureau-affiliated businesses offer insurance, each with unique underwriting guidelines and pricing policies.

Customer Satisfaction and Complaints

According to J.D. Power's 2024 Auto Insurance Study, Farm Bureau companies rank highly in customer satisfaction:

• Michigan Farm Bureau Insurance – 6th in the North Central region.

• Indiana Farm Bureau Insurance – 8th in the North Central region.

• Farm Bureau Insurance of Tennessee – 2nd in the Southeast region.

• Texas Farm Bureau Insurance – 3rd in Texas.

• Kentucky Farm Bureau Insurance – 3rd in the Southeast region.

• North Carolina Farm Bureau Insurance – 9th among Southern states.

Most Farm Bureau insurance companies had fewer complaints than expected based on their size, according to the National Association of Insurance Commissioners (NAIC). However, some firms had more complaints than average, including:

• Georgia Farm Bureau Insurance – Higher-than-expected complaints for home insurance.

• Mountain West Farm Bureau Insurance – Above-average complaints for home insurance claims.

Farm Bureau Member Discounts

Farm Bureau membership includes various discounts beyond insurance, which vary by state. Common discounts include:

• Hotel stays – Discounts at Choice Hotels, Radisson, Woodspring Suites, and Country Inn & Suites.

• Car rentals – Savings at Avis, Budget, Enterprise, and Hertz.

• Pharmacy savings – Prescription discount programs.

• Theme park admissions – Discounts on local and national theme parks.

• Farm equipment – Discounts on select brands.

Methodology

Complaint Data

Between 2021 and 2023, NerdWallet analyzed complaints filed to state regulators and compiled by NAIC. The complaint index compares a company’s complaint share to its market size.

Auto Insurance Ratings

Ratings consider factors such as financial strength, consumer complaints, and discount availability. NerdWallet also evaluates claims processing, customer satisfaction, and ease of using the company's website.

Average Rates Study

Quadrant Information Services calculated insurance rates, covering all U.S. ZIP codes. Sample driver coverage limits included:

• $100,000 per person in bodily injury liability.

• $300,000 bodily injury liability per accident.

• $50,000 property damage liability per accident.

• $100,000 uninsured motorist bodily injury per person.

• $300,000 uninsured motorist bodily injury per accident.

• Collision and comprehensive coverage with a $1,000 deductible.

Your specific rate will depend on factors such as location, personal details, and provider. Always compare quotes to find the best coverage at the lowest price.