Farm Bureau Car Insurance Review for 2024 [See Rates & Discounts]
This Farm Bureau car insurance review compares starting rates of $36 for drivers with clean records. Safe drivers save up to 20% with Farm Bureau insurance discounts, and many customers praise its strong customer service and efficient claims processing. However, coverage options and discounts will vary by state.
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...
Licensed Insurance Agent
UPDATED: Oct 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company 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 car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Oct 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company 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.
On This Page
Farm Bureau Insurance
Average Monthly Rate For Good Drivers
$36A.M. Best Rating:
AComplaint Level:
LowPros
- Accessible to High-Risk Drivers
- Customized Policy Options
- Extensive Discount Opportunities
Cons
- Variable Rates by State
- Annual Membership Fees
Our Farm Bureau car insurance review finds that rates start at just $36 for drivers with clean records, and you might qualify for discounts of up to 20%.
We’ve closely examined how car insurance works with Farm Bureau and compare insurance rates based on age, driving history, and gender so you can find customized plans to fit your unique needs.
Farm Bureau Car Insurance Rating
Rating Criteria
Overall Score 4.5
Business Reviews 5.0
Claim Processing 5.0
Company Reputation 4.0
Coverage Availability 4.0
Coverage Value 5.0
Customer Satisfaction 4.0
Digital Experience 4.0
Discounts Available 5.0
Insurance Cost 5.0
Plan Personalization 4.0
Policy Options 5.0
Savings Potential 4.7
Find Farm Bureau Insurance coverage options, benefits and discounts unique to our company that could free you from high premiums without compromising protection.
Get the right car insurance at the best price — enter your ZIP code above to shop for coverage from the top insurers.
- Farm Bureau rates start at $36 for drivers with no prior incidents
- Save up to 20% with customized policies suited to your driving habits
- Flexible, personalized coverage is available through the Farm Bureau
Farm Bureau Car Insurance Rates
Since Farm Bureau has different rates depending on your age, gender and the level of coverage you choose it is really important to check out options for yourself as you grow older, get more years behind a wheel, change jobs or marry.
Farm Bureau Car Insurance Monthly Rates by Age, Gender & Coverage Level
Age & Gender Minimum Coverage Full Coverage
Age: 16 Female $148 $378
Age: 16 Male $170 $420
Age: 18 Female $110 $260
Age: 18 Male $128 $304
Age: 25 Female $58 $142
Age: 25 Male $64 $158
Age: 30 Female $52 $124
Age: 30 Male $58 $136
Age: 45 Female $42 $92
Age: 45 Male $42 $92
Age: 60 Female $38 $84
Age: 60 Male $38 $84
Age: 65 Female $36 $78
Age: 65 Male $36 $78
Note, the 16-year-old male driver would pay as much $420 per month for full coverage compared to only a mere $78/month with an equivalent aged experienced driver.
Farm Bureau Insurance delivers personalized service, competitive discounts, and tailored policies to meet diverse customer needs.Scott W. Johnson Licensed Insurance Agent
Research the factors that affect car insurance rates to select the best Farm Bureau car insurance policy. Along with age, your driving history significantly impacts your premiums. Each infraction escalates Farm Bureau insurance costs from a single ticket to a DUI.
Monthly rates range from $54 for a minor ticket to a substantial $172 for a DUI under full coverage. Those with clean records enjoy the monthly rates at $42 for minimum coverage. The good news here is that Farm Bureau Insurance only raises rates by around $20/month for each infraction if you have tickets or accidents on your record.
However, you might find lower rates with cheap car insurance companies that only look back three years. Keep reading to see how Farm Bureau compares to other providers in your state.
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Farm Bureau Insurance Rate Comparison
Farm Bureau car insurance offers practical solutions for drivers of all ages. It’s much cheaper for students and teen drivers than Allstate and Progressive, but rates don’t decrease as much with age. Most of these companies are cheaper than Farm Bureau for drivers after they turn 30.
Farm Bureau Car Insurance Monthly Rates vs. Top Competitors by Age & Gender
Insurance Company | Age: 18 Female | Age: 18 Male | Age: 30 Female | Age: 30 Male | Age: 45 Female | Age: 45 Male | Age: 60 Female | Age: 60 Male |
---|---|---|---|---|---|---|---|---|
$448 | $519 | $168 | $176 | $162 | $160 | $150 | $154 | |
$305 | $414 | $116 | $137 | $115 | $117 | $104 | $105 | |
$161 | $189 | $63 | $66 | $59 | $58 | $53 | $55 | |
$386 | $455 | $150 | $157 | $128 | $130 | $115 | $118 | |
$597 | $629 | $160 | $167 | $139 | $139 | $120 | $128 | |
$626 | $626 | $174 | $200 | $171 | $174 | $148 | $159 | |
$303 | $387 | $124 | $136 | $113 | $115 | $99 | $104 | |
$591 | $662 | $131 | $136 | $112 | $105 | $92 | $95 | |
$229 | $284 | $94 | $103 | $86 | $86 | $76 | $76 | |
$530 | $740 | $99 | $108 | $98 | $99 | $89 | $90 |
At the same time, older drivers may qualify for Farm Bureau discounts that help keep their policies affordable. Safe drivers with clean records are also rewarded with lower rates, while those with traffic violations or accidents might face higher costs.
Farm Bureau Car Insurance Monthly Rates by Provider & Driving Record
Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
---|---|---|---|---|
$160 | $188 | $225 | $270 | |
$117 | $136 | $176 | $194 | |
$58 | $70 | $82 | $107 | |
$122 | $145 | $189 | $215 | |
$139 | $173 | $198 | $193 | |
$174 | $212 | $234 | $313 | |
$115 | $137 | $161 | $237 | |
$105 | $140 | $186 | $140 | |
$86 | $96 | $102 | $112 | |
$99 | $134 | $139 | $206 |
What really sets Farm Bureau apart is its affordable high-risk insurance rates after an accident or DUI. The company’s commitment to personalized service also helps to offset the higher insurance costs for some drivers.
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Stay protected on the road! Car insurance isn’t just a policy, it’s peace of mind. Drive safe, drive smart, and make sure you’re covered. pic.twitter.com/Q49sEGyKdG
— Farm Bureau Insurance (@mifarmbureauins) August 13, 2024
Farm Bureau offers different policy selections and discounts depending on if you are a student, parent or retiree. This laser focus on personalization is equally as eye-catching for their coverage, but aids in forming deep, lasting relationships with its members.
Learn More: How Your Children Will Impact Your Car Insurance Policy
Farm Bureau’s Diverse Coverage Options
The table provides a comprehensive overview of the different types of car insurance coverage offered by Farm Bureau. It also highlights medical payments coverage, which addresses medical bills for you and your passengers, as well as personal injury protection for medical expenses following an accident.
Farm Bureau Car Insurance Coverage
Coverage | Description |
---|---|
Collision | Pays for damages to your car in a collision |
Comprehensive | Covers non-collision damages like theft or weather |
Full Coverage | Combines liability, collision, and comprehensive |
Liability | Covers damages or injuries you cause to others |
Medical Payments | Covers medical bills for you and passengers |
Personal Injury | Pays for medical expenses after an accident |
Rental Reimbursement | Pays for a rental car while yours is being repaired |
Roadside Assistance | Helps with towing and roadside emergencies |
Underinsured Motorist | Pays if the other driver’s insurance is insufficient |
Uninsured Motorist | Covers damages if the other driver has no insurance |
Liability coverage is important, given it addresses any losses or injuries that the majority of people may inflict upon someone else. Comprehensive combines collision coverage for damages to your vehicle in an accident with comprehensive coverage, which is everything else that could go wrong, theft or weather damage.
Additionally, rental reimbursement helps cover the cost of a rental car while yours is repaired. Roadside assistance is available for towing and emergencies, and uninsured and underinsured motorist coverage protects you against damages caused by drivers who either lack insurance or have insufficient coverage.
Exclusive Farm Bureau Insurance Discounts
Safe drivers, families insuring multiple vehicles and young drivers with good grades have received significant discounts from Farm Bureau.
Farm Bureau Car Insurance Discounts
Discount | Percentage | Description |
---|---|---|
Anti-Theft Device | 10% | For cars equipped with approved anti-theft devices |
Claim-Free | 10% | For not filing claims over a set period |
Defensive Driver | 5% | After completing an approved defensive driving course |
Good Student | 10% | For students with a high GPA |
Low Mileage | 5% | For driving fewer miles annually |
Multi-Car | 15% | For insuring multiple vehicles |
Multi-Policy | 20% | Bundling auto and home or other insurance policies |
New Vehicle | 5% | For insuring a recently purchased car |
Paperless Billing | 5% | For enrolling in paperless billing and auto-pay |
Safe Driver | 15% | For maintaining a clean driving record |
This commitment to its members is evident in extras such as reducing rates for some loyal customers, showing that customer satisfaction and community values have always been important.
Read More: How to Lower Your Car Insurance Costs
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Pros and Cons of Farm Bureau Car Insurance
It is very important when it comes to car insurance to find one that can fit your particular needs. Farm Bureau offers options for those who will be appealing to a particular type of driver:
- Customized Coverage: Farm Bureau has more flexible policy options than most other insurers, making the insurance experience highly customized.
- Competitive Price for Mature Drivers: Especially, their rates for mature drivers are very favorable, therefore it is really cheap for this category of drivers.
- Supportive Claim Services: Farm Bureau simplifies the handling of claims, therefore efficiently supporting the policyholder.
Fundamentally, although Farm Bureau provides attractive services and rates, particularly for older drivers, younger individuals or those in certain states may find it less suitable than other insurers.
- Higher Costs for Young Drivers: Farm Bureau’s rates tend to be higher for younger drivers, which could be prohibitive for new drivers seeking affordable coverage.
- Variable Offerings by State: Specific features and coverage might be drastically different in other states, which also limits some customers’ options in obtaining the most suitable coverage.
- Membership Fees: Even though car insurance with Farm Bureau requires you to be a member first, the annual membership fees may completely offset any savings or discounts you realize with this insurer.
These differences highlight why you need car insurance that aligns perfectly with your needs and lifestyle. Farm Bureau might be a good choice depending on where you live, so compare your options thoroughly before buying a policy.
Farm Bureau Car Insurance Customer Reviews and Ratings
Consumer reports scored Farm Bureau at 74 out of 100, showing average customer feedback, but its complaint ratio is 0.58, suggesting that Farm Bureau receives fewer complaints than average.
Farm Bureau Insurance Business Ratings & Consumer Reviews
Agency | |
---|---|
Score: 849 / 1,000 Above Avg. Satisfaction |
|
Score: A Excellent Financial Strength |
|
Score: 74/100 Good Customer Feedback |
|
Score: 0.58 Fewer Complaints Than Avg. |
|
Score: A Fair Financial Strength |
Farm Bureau’s dedication to customer service features personalized attention through phone, email, and in-person support. Farm Bureau is also a well-known company and they respond to input from customers graciously, which has ensured continuous high satisfaction ratings that makes it one of the most reliable insurance providers.
Farm Bureau also provides access to safety programs, financial planning services, workshops on driving and investments, and assistance with managing car maintenance expenses. Policyholders can also benefit from estate planning and retirement advice.
Secure Your Future With Farm Bureau
Our Farm Bureau car insurance review showcases how it excels in creating policies that reflect the unique needs of its members. Farm Bureau shows its dedication to value by supporting the promise of strong relationships and great service with competitive price offerings and fast claims handling.
Farm Bureau excels by crafting customizable, cost-effective policies, positioning itself as the go-to insurer for drivers prioritizing affordability and comprehensive coverage.Jeffrey Manola Licensed Insurance Agent
When buying car insurance, Farm Bureau might be more expensive, but you’re paying for personalized customer service, unique policy options, and financial services you can’t find with other providers.
Affordable car insurance rates are just a click away. Enter your ZIP code using our free quote tool below to find the best policy for you.
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Frequently Asked Questions
What factors influence Farm Bureau car insurance rates?
Drivers do many things that raise car insurance premiums with Farm Bureau, such as buying new cars or getting a speeding ticket. The pricing of Farm Bureau’s car insurance policies is influenced by factors such as the driver’s age, driving history, the type and age of the vehicle, the coverage level chosen, and geographical location.
Farm Bureau also considers the driver’s credit score and applicable discounts when determining the final premium.
Is Farm Bureau car insurance good for older drivers?
Farm Bureau is a fantastic choice for senior drivers, offering cheap rates for this low-risk population. Aside from low rates, senior drivers can qualify for savings by maintaining a clean driving record, demonstrating loyalty to the firm, and taking defensive driving courses—all of which are offered by Farm Bureau.
Is USAA cheaper than Farm Bureau car insurance?
Yes, USAA has cheaper car insurance than Farm Bureau, but it’s only available to military members.
What are the most competitive Farm Bureau car insurance discounts?
With Farm Bureau, customers can save on multiple vehicles and enjoy student discounts for good grades. Returning loyalists receive loyalty discounts. Farmers and Agricultural Enterprises can also enjoy customized rate diminutions specifically for their operations.
How does the Farm Bureau car insurance claims process work?
Customers rate Farm Bureau’s handling of car accidents and claims very highly. You can file a claim anytime by going to the Farm Bureau website or mobile app or calling the claims service number. It usually starts with a claims adjuster review, followed by eligibility and payout of costs under the covered repair.
What are the steps to renew a car insurance policy with Farm Bureau?
Farm Bureau will generally send policyholders a renewal notice before their current car insurance policy expires. Policyholders can also renew online at the Farm Bureau website.
What sets the Farm Bureau apart in the car insurance market?
Farm Bureau’s personalized customer service, community focus, exclusive member benefits, and customizable insurance options make it a standout provider. Enter your ZIP code below into our free comparison tool to compare car insurance companies in your area.
How can I contact Farm Bureau Insurance?
Contact Farm Bureau for insurance inquiries by calling their customer service number, typically listed on your insurance card. Alternatively, you can reach out through their online contact form or visit a local Farm Bureau office for direct assistance.
Does the Farm Bureau offer specific benefits for drivers in Virginia?
Farm Bureau offers a range of benefits designed with Virginia drivers in mind. Compare the best car insurance in Virginia to learn more.
Which car insurance company has the best reputation?
State Farm is known as being one of the largest insurance providers with the most satisfied customers, especially when it comes to claims. Farm Bureau outranks State Farm for satisfaction in more rural states like Texas, Tennessee, and Kentucky.
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...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.
MEC58
Under writers are VERY VERY LAZY!!!!!! And they LIE
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Scammers
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Was told to get into an accident to cover my damages
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Number one company
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I swear by this company