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.

UPDATED: Oct 28, 2024Fact Checked

Tonya Sisler

Content Team Lead

Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage.  Tonya currently leads a team of 10 insurance copywri...

Content Team Lead

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

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 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

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 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.

UPDATED: Oct 28, 2024Fact Checked
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Farm Bureau Insurance

Average Monthly Rate For Good Drivers

$36

A.M. Best Rating:

A

Complaint Level:

Low

Pros

  • 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%.

Farm Bureau Car Insurance Review

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 CriteriaFarm Bureau TablePress Logo
Overall Score4.5
Business Reviews5.0
Claim Processing5.0
Company Reputation4.0
Coverage Availability4.0
Coverage Value5.0
Customer Satisfaction4.0
Digital Experience4.0
Discounts Available5.0
Insurance Cost5.0
Plan Personalization4.0
Policy Options5.0
Savings Potential4.7

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Find Farm Bureau Insurance coverage options, benefits and discounts unique to our company that could free you from high premiums without compromising protection.

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Just the Basics

  • 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 & GenderMinimum CoverageFull 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

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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.

Farm Bureau Car Insurance Review: Factors That Affect Car Insurance Rates

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 CompanyAge: 18 FemaleAge: 18 MaleAge: 30 FemaleAge: 30 MaleAge: 45 FemaleAge: 45 MaleAge: 60 FemaleAge: 60 Male
Allstate: Farm Bureau Car Insurance Review$448$519$168$176$162$160$150$154
American Family: Farm Bureau Car Insurance Review$305$414$116$137$115$117$104$105
Erie: Farm Bureau Car Insurance Review$161$189$63$66$59$58$53$55
Farm Bureau TablePress Logo (1)$386$455$150$157$128$130$115$118
Farmers: Farm Bureau Car Insurance Review$597$629$160$167$139$139$120$128
Liberty Mutual: Farm Bureau Car Insurance Review$626$626$174$200$171$174$148$159
Nationwide: Farm Bureau Car Insurance Review$303$387$124$136$113$115$99$104
Progressive: Farm Bureau Car Insurance Review$591$662$131$136$112$105$92$95
State Farm: Farm Bureau Car Insurance Review$229$284$94$103$86$86$76$76
Travelers: Farm Bureau Car Insurance Review$530$740$99$108$98$99$89$90

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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 CompanyClean RecordOne TicketOne AccidentOne DUI
Allstate: Farm Bureau Car Insurance Review$160$188$225$270
American Family: Farm Bureau Car Insurance Review$117$136$176$194
Erie: Farm Bureau Car Insurance Review$58$70$82$107
Farm Bureau TablePress Logo (1)$122$145$189$215
Farmers: Farm Bureau Car Insurance Review$139$173$198$193
Liberty Mutual: Farm Bureau Car Insurance Review$174$212$234$313
Nationwide: Farm Bureau Car Insurance Review$115$137$161$237
Progressive: Farm Bureau Car Insurance Review$105$140$186$140
State Farm: Farm Bureau Car Insurance Review$86$96$102$112
Travelers: Farm Bureau Car Insurance Review$99$134$139$206

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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.

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

CoverageDescription
CollisionPays for damages to your car in a collision
ComprehensiveCovers non-collision damages like theft or weather
Full CoverageCombines liability, collision, and comprehensive
LiabilityCovers damages or injuries you cause to others
Medical PaymentsCovers medical bills for you and passengers
Personal InjuryPays for medical expenses after an accident
Rental ReimbursementPays for a rental car while yours is being repaired
Roadside AssistanceHelps with towing and roadside emergencies
Underinsured MotoristPays if the other driver’s insurance is insufficient
Uninsured MotoristCovers damages if the other driver has no insurance

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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.

Collision vs. Comprehensive Coverage Definition Card: Farm Bureau Car Insurance Review

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

DiscountPercentageDescription
Anti-Theft Device10%For cars equipped with approved anti-theft devices
Claim-Free10%For not filing claims over a set period
Defensive Driver5%After completing an approved defensive driving course
Good Student10%For students with a high GPA
Low Mileage5%For driving fewer miles annually
Multi-Car15%For insuring multiple vehicles
Multi-Policy20%Bundling auto and home or other insurance policies
New Vehicle5%For insuring a recently purchased car
Paperless Billing5%For enrolling in paperless billing and auto-pay
Safe Driver15%For maintaining a clean driving record

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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

AgencyFarm Bureau TablePress Logo
J.D. Power TablePress LogoScore: 849 / 1,000
Above Avg. Satisfaction
Score: A
Excellent Financial Strength
Consumer Reports TablePress LogoScore: 74/100
Good Customer Feedback
Score: 0.58
Fewer Complaints Than Avg.
A.M. BestScore: A
Fair Financial Strength

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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 Car Insurance Review: Farm Bureau Screen Shot Review

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.

Farm Bureau Car Insurance Review: Farm Bureau Financial Homepage

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.

Tonya Sisler

Content Team Lead

Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage.  Tonya currently leads a team of 10 insurance copywri...

Content Team Lead

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.

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.
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)
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.
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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Farm Bureau Car Insurance Monthly Rates by Driving Record
Farm Bureau Car Insurance Monthly Rates by Driving Record