Farm Bureau ranks 20th overall nationally, placing it outside the top tier of best car insurance companies. Even so, it does well in coverage options and customer experience, earning solid scores in those areas. However, this only represents a 40-year-old male driver with good credit and no driving violations and the company's ranking for you will depend on your profile and coverage needs.
Farm Bureau Car Insurance Review
Updated: November 24, 2025
Advertising & Editorial Disclosure
Key Takeaways
Farm Bureau ranks 22nd for full coverage affordability and 17th for minimum liability coverage with average rates of $132 and $49 monthly, respectively.
Farm Bureau ranks fourth nationwide for overall customer satisfaction due to strong agent service and positive forum reviews from policyholders.
Farm Bureau earns 12th place for coverage options, offering unique features like roadside assistance with lockout service and accident forgiveness programs.
Farm Bureau Car Insurance Ratings
| Overall Score | 4.22 | 20 |
| Customer Experience | 4.66 | 4 |
| Coverage | 2.50 | 12 |
| Affordability | 4.29 | 18 |
LEARN MORE ABOUT FARM BUREAU INSURANCE IN YOUR AREA
Below we've linked reviews more specific to local farm bureau insurance agencies for you to use in your research:
Who Is Farm Bureau Car Insurance Best and Worst For?
Farm Bureau works best for adult drivers, seniors, those with accidents or speeding tickets, and drivers with older cars seeking affordable coverage. However, young drivers and those with bad credit should look elsewhere, as rates remain high.
Below, you can compare how Farm Bureau stacks up for your unique profile.
Data filtered by:
Adult Drivers
Female
100/300/100,000 - 1000 comp_coll
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.08 | 24 |
Farm Bureau Car Insurance Ratings by State
Farm Bureau ranks within the top five insurance companies in 10 out of 51 states and territories nationwide. While the company maintains strong competitive positions across these markets, it doesn't hold the top spot as the best overall provider in any individual state.
| Arkansas | 4.34 | 4 |
| Colorado | 3.93 | 4 |
| Idaho | 4.05 | 8 |
| Indiana | 3.52 | 10 |
| Iowa | 3.67 | 9 |
| Kansas | 3.68 | 10 |
| Kentucky | 3.81 | 9 |
| Louisiana | 4.25 | 6 |
| Maine | 3.59 | 9 |
| Michigan | 3.69 | 9 |
| Mississippi | 4.17 | 3 |
| Missouri | 4.28 | 6 |
| Nebraska | 3.45 | 12 |
| New Mexico | 3.62 | 10 |
| North Carolina | 4.21 | 7 |
| North Dakota | 4.14 | 7 |
| Oklahoma | 3.57 | 10 |
| South Carolina | 4.33 | 4 |
| South Dakota | 3.48 | 12 |
| Tennessee | 4.06 | 5 |
| Utah | 3.83 | 8 |
| Virginia | 4.40 | 5 |
| Wisconsin | 4.13 | 6 |
*Ratings are based on a 40-year-old male driver with good credit and no driving violations who insures a 2012 Toyota Camry.
How Much Does Farm Bureau Car Insurance Cost?
Farm Bureau's average auto insurance costs range from $43 to $1,483 monthly, depending on your profile and coverage choice. We've broken down national costs by age group, gender, coverage level, credit score and driving record to help you make the best decision.
Data filtered by:
Adult Drivers
Female
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
100/300/100,000 - 1000 comp_coll
| $285 | $3,419 | 3% | 26 |
Farm Bureau Car Insurance Rates by Driver Category
Farm Bureau tends to be pricier than other insurers for every driver type. Whether you’re a young driver, a senior or have past violations, you’ll likely find cheaper options with other companies. See how Farm Bureau’s rates compare to your driving profile below.
| Adult Drivers | $47 | $125 | 1% | 18 |
| Drivers With A DUI | $90 | $237 | 2% | 21 |
| Drivers With An Accident | $62 | $166 | -5% | 17 |
| Drivers With A Speeding Ticket | $54 | $144 | -4% | 17 |
| Drivers With Bad Credit | $99 | $249 | 1% | 24 |
| Drivers With Low Income | $61 | $157 | 1% | 22 |
| Drivers With Newer Cars | $63 | $173 | 4% | 21 |
| Drivers With Old Cars | $42 | $113 | 3% | 20 |
| Senior Drivers | $56 | $135 | -9% | 12 |
| Young Drivers | $103 | $257 | -5% | 18 |
*Each profile is based on a 40-year-old male driver with good credit and a clean record, driving a 2012 Toyota Camry. Young drivers are ages 25 and under, adults are 26 to 64 and seniors are 65 and older. Older cars use the 2007 model year, while newer cars use the 2025 model year.
Farm Bureau Car Insurance Rates by State
Farm Bureau’s monthly premiums range from $26 to $212, depending on the state. The company ranks among the five most affordable insurers in 10 of the 51 states and territories. Review how Farm Bureau’s prices stack up in your area.
| Arkansas | $32 | $88 | -25% | 2 |
| Colorado | $38 | $122 | -21% | 4 |
| Idaho | $27 | $73 | -13% | 6 |
| Indiana | $42 | $107 | 20% | 10 |
| Iowa | $27 | $113 | 8% | 8 |
| Kansas | $45 | $167 | 32% | 10 |
| Kentucky | $55 | $147 | -3% | 8 |
| Louisiana | $87 | $212 | -11% | 5 |
| Maine | $50 | $93 | 28% | 11 |
| Michigan | $88 | $177 | 31% | 11 |
| Mississippi | $37 | $102 | -23% | 2 |
| Missouri | $37 | $101 | -26% | 5 |
| Nebraska | $43 | $168 | 42% | 10 |
| New Mexico | $50 | $162 | 28% | 10 |
| North Carolina | $46 | $106 | -2% | 8 |
| North Dakota | $27 | $73 | -23% | 5 |
| Oklahoma | $69 | $166 | 27% | 8 |
| South Carolina | $45 | $88 | -32% | 3 |
| South Dakota | $37 | $162 | 44% | 11 |
| Tennessee | $27 | $85 | -25% | 3 |
| Utah | $64 | $149 | 9% | 7 |
| Virginia | $30 | $61 | -39% | 3 |
| Wisconsin | $26 | $77 | -16% | 5 |
*Rates are based on a 40-year-old male driver with good credit, a clean record and a 2012 Toyota Camry.
Farm Bureau Car Insurance Discounts
Farm Bureau offers 14 car insurance discounts. You can save up to 50% depending on your driving profile, which programs you join and where you live. Available discounts include:
Farm Bureau Member's Choice (Bundle) | Not specified | Bundle your car and home insurance into one policy with a single premium and deductible | Available in all states served |
Driveology® Discount | 10% initial, up to 50% maximum | Enroll in the usage-based driving program and install a device in your vehicle | Available in all states served |
Claim-Free Discount | Not specified | Maintain a clean claims history | Available in all states served |
Good Student Discount | Not specified | Achieve a B average or higher | Available in all states served |
Safe Young Driver Discount | Not specified | Complete the Young Driver Safety program if you're under 25 | Available in all states served |
Low Mileage Discount | Not specified | Drive 7,500 miles or less per year | Available in all states served |
Multi-Car Discount | Not specified | Insure multiple vehicles on your Farm Bureau Member's Choice policy | Available in all states served |
Continued In-Force Credit (Loyalty) | Not specified | Renew your Farm Bureau Member's Choice policy continuously | Available in all states served |
Farm Bureau Car Insurance Customer Reviews and Reputation
Farm Bureau ranked fourth in MoneyGeek’s customer experience study. Many customers mention strong ties with agents and a personal touch in service. Even so, customers report more complaints about claims processing times and settlement amounts than in other areas of coverage. Below, we break down the buying, policy management and claims process experiences based on our research.
Buying Process Experience
Farm Bureau offers quotes online, by phone, or through local agents, with a focus on personalized service. The company runs through state-based offices rather than a single national chain, which gives it stronger regional expertise. Reviews highlight competitive rates and helpful agents who take time to explain options, though coverage does require a yearly membership fee of $30 to $50.
Policy Management
Customer service experiences vary a lot depending on the state and local agent. Some customers praise responsive agents who "take time to answer questions," while others report agents who "never call back," don't answer emails, and provide poor communication when policy issues arise.
Claims Experience
Customer experiences with claims show extreme variation by state and local office. Positive reviews describe prompt, courteous adjusters who respond quickly and work with reputable repair shops, covering OEM parts and advocating for customers during disputes.
However, negative experiences are common: adjusters who "don't want to help actually get your car fixed," lengthy delays without contact, claims representatives laughing while delivering bad news, and systematic claim denials even for long-term customers. Some offices require unreasonable documentation or refuse to cover legitimate damages like hail or wind damage despite decades of premium payments.
Farm Bureau Car Insurance Industry Customer Satisfaction Ratings
Farm Bureau ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Farm Bureau's scores from industry agencies.
AM Best Financial Strength | A (Excellent)* | A++ to D- | Excellent ability to meet financial obligations (varies by state) |
AM Best Long-Term Credit Standing | Not Rated** | aaa to d | Most state Farm Bureau companies not rated for credit |
S&P Global Financial Strength | Not Rated | AAA to D | Not rated by S&P Global |
Moody's Financial Strength | Not Rated | Aaa to C | Not rated by Moody's |
J.D. Power Auto Claims Satisfaction | 849/1,000*** | 1,000-point scale | Above average (varies widely by state) |
J.D. Power Digital Service Experience | Not Rated | 1,000-point scale | Regional companies typically not included in studies |
J.D. Power Auto Insurance Shopping Study | Not Rated | Out of 1,000 | Regional companies not included in shopping studies |
J.D. Power Overall Customer Satisfaction | Varies by state | Out of 1,000 | Several state Farm Bureaus rank above average regionally |
NAIC Auto Complaints | 0.07-0.42**** | 1.00 is average | Far below average complaints (varies by state) |
Farm Bureau Car Insurance Reddit and Forum Customer Satisfaction
Farm Bureau customers on Reddit and other forums often praise the company’s rural expertise, affordable rates for farming communities, and close ties with local agents.
Farm Bureau's agricultural roots and understanding of rural driving appeal to customers in those areas. Some customers raise concerns about membership requirements, limited urban availability and varying service quality across state organizations.
Customer reviews highlight these common experiences:
Pricing and Value
Members often praise Farm Bureau’s rates, especially the competitive pricing and rural-focused discounts:
"Farm Bureau's rates for rural drivers are unbeatable - they actually understand that we drive different roads and face different risks than city folks. The membership fee pays for itself in insurance savings alone."
"Been with Farm Bureau for 20 years and their rates have stayed competitive. They get that farm vehicles and rural driving conditions are different from suburban insurance needs."
Claims Processing
Many customers report positive claims experiences, praising agents who understand rural and agricultural situations:
"When my truck hit a deer on a county road, my Farm Bureau agent knew exactly what to expect and how to handle it. They understand that hitting wildlife is just part of rural life, not some unusual incident."
"Filed a claim after hail damaged my car during harvest season and Farm Bureau was great. The adjuster understood the urgency of getting back on the road during busy farming time."
Customer Service
Customer service always gets high ratings, with local agents and agricultural knowledge often noted as strengths:
"My Farm Bureau agent lives in our community and understands our farming operation. When I need to adjust coverage for seasonal workers or equipment, they know exactly what I'm talking about."
"The personal service is outstanding - my agent has been handling our family's insurance for 15 years and knows our farm, our vehicles, and our needs inside and out."
Digital Experience
The digital platform gets mixed reviews. Users appreciate its main functions, but many of them point out it could incorporate more modern features:
"Farm Bureau's app and website handle the essentials fine. It's not the flashiest technology, but it works reliably for checking policies and making payments."
"The online services work well enough for what I need, though they could use some updating. Most of the time I prefer calling my agent anyway for the personal touch."
Trust and Reputation
Rural and agricultural groups show deep trust in Farm Bureau, with many mentioning its advocacy and community involvement as reasons for their loyalty:
"Farm Bureau isn't just our insurance company - they're advocates for our way of life and our community. When agricultural issues come up, they're fighting for us at the state and national level."
"I trust Farm Bureau completely because they understand rural America and have been serving farming communities for decades. They're not some distant corporation that doesn't get our lifestyle."
Coverage Options
Farm Bureau’s coverage works well for rural and agricultural needs, but some customers point out it’s less flexible outside that market:
"Farm Bureau offers coverage that actually makes sense for rural drivers - they understand farm vehicles, seasonal use patterns, and the unique risks we face living in agricultural areas."
"The coverage options are perfect for our farm operation and rural lifestyle. They have specific coverage for farm use vehicles and understand the liability issues that come with agricultural operations."
"Great coverage for rural needs, but you do need to be a Farm Bureau member to get insurance. The membership is worth it for the insurance savings and advocacy benefits, but it's an extra step."
"Coverage is excellent for traditional rural and farm situations, but if you have specialty vehicles or urban needs, options might be more limited since they really focus on their core agricultural market."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Farm Bureau Car Insurance Coverage Options
Farm Bureau provides standard coverages like other top insurers, including liability, comprehensive and collision protection. Additional add-ons from the company include:
Replacement Cost Coverage | Compensates for cost of new car of similar make/model if vehicle is totaled | Available on vehicles up to four or five model years old depending on state |
Emergency Roadside Assistance | 24/7 towing, flat tire changes, battery jump-starts, lockout service, fuel delivery | Up to $200 coverage ($500 for farm trucks/RVs), call 1-800-226-6383 |
Driveology Usage-Based Insurance | Telematics program that monitors safe driving habits for discounts | Device plugs into vehicle, potential savings up to 30%-50% for safe drivers |
Young Driver Safety Program | Discount program for drivers under age 25 who complete safety training | Up to 25% discount available for completing the program |
Gap Insurance | Covers difference between loan amount owed and vehicle's actual cash value | Available through Farm Bureau Bank for financed vehicles |
Mechanical Breakdown Insurance | Covers mechanical failures and breakdowns beyond warranty | Available through Farm Bureau Bank as loan protection |
Rental Car Reimbursement | Covers rental vehicle costs while car is being repaired | Included with full coverage policies in some states at no extra charge |
Other Farm Bureau Insurance Coverage Options to Consider
Here are other insurance options you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
Farm Bureau (Directly Offered) | Auto, homeowners, renters, farm/ranch, business, life, motorcycle, boat, RV, ATV, personal umbrella |
Third-Party Partner | Health (through various carriers), Medicare supplements, Medicare Advantage plans, Part D prescription drug plans, dental, vision, disability, long-term care, specialty coverages (available through Farm Bureau brokerage and partnerships with independent carriers) |
Farm Bureau Auto Insurance Review: Bottom Line
Farm Bureau is a strong option for car insurance, ranking best in affordability, customer experience and coverage. It earned 21st place overall for full coverage and 16th for minimum coverage. Compare quotes, do your research and determine your coverage needs before buying to get the best deal.
Farm Bureau Car Insurance Reviews: FAQ
Below are MoneyGeek's expert answers to frequently asked questions about Farm Bureau car insurance:
Does Farm Bureau insurance have a good reputation?
Yes, Farm Bureau is a legitimate car insurance company that secures 20th place in our comprehensive car insurance provider analysis. The insurer excels in customer experience, ranking fourth among the providers we evaluated.
Where is Farm Bureau the best car insurance company?
Farm Bureau isn't the top option in any states we studied, but it's a strong option overall for some drivers.
How much does Farm Bureau car insurance cost on average?
Farm Bureau charges adults an average of $564 annually for state minimum coverage and $1,500 for full coverage. Annual premiums range from $521 to $5,588 for minimum and $1,363 to $12,742 for full coverage.
Is Farm Bureau known for denying claims?
Customer feedback indicates Farm Bureau maintains reasonable claim handling practices without widespread denial patterns.
While isolated complaints exist across online forums regarding specific claim disputes, these appear consistent with standard industry practices rather than systematic denial strategies.
Independent reviews suggest Farm Bureau generally processes claims fairly, though individual experiences vary by state and local office operations.
Note: This represents limited information based primarily on forum reviews.
Is Farm Bureau a good option for high-risk drivers?
Farm Bureau offers competitive rates for drivers with speeding tickets, ranking 17th overall for affordability, making it a solid choice for this high-risk category.
Does Farm Bureau raise car insurance rates over time?
Yes, Farm Bureau raises car insurance rates over time.
Insurers increase premiums due to inflation driving up repair and medical expenses, more frequent claims from distracted driving and severe weather, plus higher costs for vehicle parts and advanced technology.
Rate adjustments also reflect updated risk evaluations for your location, regulatory changes, and personal factors like credit score shifts or age-related risk categories.
Is Farm Bureau good for young drivers?
No, Farm Bureau is not ideal for young drivers, ranking 18th for affordability with average monthly premiums of $257.
How We Rated Farm Bureau Car Insurance
MoneyGeek relied on Quadrant Information Services for auto insurance rate data. The analysis included 79 insurers in every U.S. ZIP code.
Driver Profile Used in This Analysis
We used a single standard driver profile for consistency:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We adjusted specific variables like age, driving record, credit score and military status to find the best rates for different driver types. Minimum coverage rates meet state requirements. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation weighted three factors:
- Cost (60% weight): We compared quotes across multiple driver profiles in each city to measure how each insurer's rates stack up against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from Google reviews, J.D. Power ratings, AM Best scores and Reddit forums to assess service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, including policy breadth and unique benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.