Farm Bureau Car Insurance Review 2026

Regardless of the state, Farm Bureau policies require drivers to be members of their local Farm Bureau branch. It’s particularly ideal for farmers or those who care about the community-focused advocacy work being done by the Farm Bureau organization.

Farm Bureau Is Best for Those Who:

• Existing Farm Bureau members, or those open to becoming members
• Those who want to work with a local agent
• Are looking for competitive rates

Farm Bureau Is Not Best for Those Who:

• Those who are not Farm Bureau members and do not wish to become members
• Drivers who prefer to purchase policies online

Every state, plus Puerto Rico, has its own Farm Bureau affiliate, but not all of them have their own insurance arm. Some partner with other insurance companies, like Nationwide, which provide discounts to the partner Farm Bureau’s members.

Here’s an overview of Farm Bureau insurance providers by state.

The cost of Farm Bureau auto insurance varies by state, but rates tend to be competitive and are cheaper than average in most states for which data is available. Notable exceptions include New Mexico, North Carolina, Oklahoma, and Utah, where full coverage is more expensive than average, and Idaho and Michigan, where minimum coverage is more expensive than average.

The table below shows average annual premiums for full and minimum coverage from Farm Bureau in various states, as well as how they compare to the respective state averages.

Because Farm Bureau is not a centralized insurance company, the auto insurance discounts available will depend on the affiliate that operates in your state. Some discounts that you may be able to take advantage of include the following:

• Bundling discount: If you purchase more than one policy type from your Farm Bureau provider, you’ll save on your premiums.
• Multi-car discount: Similar to a bundling discount, you could save if you insure more than one car on your policy.
• Claims-free discount: Several Farm Bureau branches offer discounts for being claims-free for a certain amount of time.
• Good student: Full-time students who maintain a good academic standing (usually at least a B average) may be eligible for a discount.
• Defensive driving discount: Many Farm Bureau insurers have discounts for completing a defensive driving course. Some apply to adults while others apply to young drivers.
• Loyalty: Farm Bureau may reward you with a discount for being a loyal customer and renewing your policy year after year.
• Low mileage: You may qualify for a discount if you drive under 7,500 miles per year.

Telematics Programs

Many Farm Bureau affiliates also offer telematics programs, which can provide further savings if you drive safely. The table below includes the telematics programs advertised, but it’s always worth asking your agent about discount options, even if your company doesn’t have a telematics program advertised.

The experience of getting a quote and purchasing a policy from Farm Bureau will somewhat depend on your local affiliate, as each has its own website and process. However, most Farm Bureau branches do not provide online quotes, so you’ll need to go through an agent. Some allow you to begin a quote online before it’s finalized by an agent, while others require you to reach out to an agent right off the bat. There are some exceptions, including Tennessee, that do provide online quotes.

When it comes to purchasing, no Farm Bureau affiliate allows for policies to be finalized online, so you will always end up needing to speak to an agent at some point in the process.

Every Farm Bureau insurance company offers standard coverages, including liability, comprehensive, collision, uninsured motorist, and medical payment. They also offer roadside assistance and rental reimbursement. Depending on the state, you may have access to various other coverages, such as gap coverage, new car replacement, and pet coverage. For a full list of available coverages in your state, ask your agent about coverage options when you request a quote.

Farm Bureau’s customer service record varies by branch, but it generally tends to be good. Every branch rated by the CRASH Network earned a spot on the Honor Roll, and the ones we looked at all received fewer complaints than average, according to the NAIC.

The ratings were a bit more varied when it came to J.D. Power’s customer satisfaction study, where four of the nine branches rated in the study scored below average. Of the Farm Bureau affiliates in the table below, only Texas Farm Bureau had an AM Best rating under A-, though its grade of B++ is still considered good.

The exact process to report a claim with Farm Bureau, again, will depend on your branch. Some branches require you to call your agent or a claims hotline, while others provide this option but also have online portals that allow you to report a claim online.

Every Farm Bureau insurance website includes details on how to report a claim, so check there or ask your agent for more information if you’re unsure.

Farm Bureau’s strength is not in its digital offerings, as many of the affiliate websites feel outdated and are not the easiest to navigate. However, some are much more modern and robust. At the very least, they all offer online portals for policyholders to view and manage their policies.

The difference in some of the websites is exemplified by Southern Farm Bureau and Farm Bureau Financial Services:

The same can be said for its mobile apps. The apps associated with the two largest regional branches — Southern Farm Bureau and Farm Bureau Financial Services — are rated under 3 stars on iPhone, though they fare a bit better on Android. Mississippi, Missouri, and Tennessee Farm Bureaus have the overall highest-rated mobile apps across both platforms.

At AutoInsurance.com, we review auto insurance providers based on four key factors:

• Price (40%): We analyze average full and minimum coverage rates for safe drivers with good credit. We also consider discount availability. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $100,000 per accident
  • Uninsured/underinsured motorist: same as bodily injury
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): Claims processing is the most important role of an insurance company, and we assess how satisfied customers are with insurers’ claims practices through sources like the J.D. Power U.S. Auto Claims Satisfaction Study and the CRASH Network Insurer Report Card. We also factor in financial strength ratings from sources like AM Best.
• Customer Experience (25%): We evaluate auto insurance companies based on their customer experience, which includes the ease of getting a quote and buying a policy. We also consider how much customers can do online versus through an agent. Our sources include the NAIC complaint index, J.D. Power’s Auto Insurance Study, and app store reviews.
• Coverage Options (10%): We look at the range of coverages available from each insurer, including whether they have selections beyond the state-required minimums, such as accident forgiveness, gap coverage, and more.

Read more about our ratings and methodology.