Indiana Farm Bureau scores 3.67 out of 5, ranking eighth for car insurance in the state. Customers love the buying process and policy management experience. The downside? Higher prices, fewer coverage add-ons and inconsistent claims handling.
Indiana Farm Bureau Car Insurance Review
Updated: September 1, 2025
Advertising & Editorial Disclosure
Key Takeaways
Indiana Farm Bureau ranks 10th for affordability, with average monthly rates of $107 and $42 for full coverage and minimum liability coverage, respectively.
Indiana Farm Bureau ranks fourth for overall customer satisfaction in Indiana due to its strong agent service and policy management reviews.
Indiana Farm Bureau ranks eighth for coverage, offering very few options overall.
Indiana Farm Bureau Car Insurance Ratings
| Overall Score | 3.67 | 8 |
| Customer Experience | 4.09 | 4 |
| Coverage | 2.50 | 8 |
| Affordability | 3.67 | 9 |
How Much Does Indiana Farm Bureau Car Insurance Cost?
Indiana Farm Bureau charges $42 monthly ($506 yearly) for minimum coverage and $107 monthly ($1,260 yearly) for full coverage. Indiana Farm Bureau ranks 10th for affordability in Indiana, with rates running 20% above the state average.
| $42 | $107 | 10 | 20% |
*Rates are based on a 40-year-old male driver with no driving violations and good credit who is insuring a 2012 Toyota Camry.
Indiana Farm Bureau Car Insurance Discounts
Indiana Farm Bureau offers standard car insurance discounts that save up to 15%. Discounts include:
DriveTrend® Telematics | Up to 15% | Participate in DriveTrend mobile app that monitors driving habits |
Multi-Line Bundle | 18% on auto, 20% on home or farm, 2–4% additional discount for auto or life | Bundle auto with home or farm insurance |
Drive Less, Save More | Up to 10% per vehicle | Based on annual mileage |
Driver Education | Up to 15% | Young drivers complete state-approved driver education course |
Paperless Policy | Up to 5% | Sign up for electronic policy documents |
Full Payment | Up to 5% | Pay premium in full before policy term |
Multi-Vehicle | Varies | Save more with 2+ vehicles, even more with 3+ vehicles |
Indiana Farm Bureau Car Insurance Customer Reviews and Reputation
Indiana Farm Bureau ranks fourth in Indiana for customer experience. Customers appreciate the easy buying process, helpful agents and competitive rates. Online policy management also gets good reviews.
Claims handling shows mixed results. Some customers report satisfaction, while others complain about slow adjusters, payment delays and coverage disputes.
Buying Process Experience
Most people find Indiana Farm Bureau easy to work with when getting a quote. The website walks you through everything without confusing jargon, and you know exactly what you'll pay upfront. Customers appreciate the variety of discounts and payment plans that fit different budgets.
The main frustration? Getting hold of local agents can be hit-or-miss, and service quality depends on which office you visit.
Policy Management
Many customers bundle their car and renters insurance with Indiana Farm Bureau, keeping their total monthly bill under $100. People consistently mention how helpful and polite the agents are when you need assistance. The online account portal works well for basic tasks like making payments or checking your claim status, though some customers find it feels dated compared to what other companies offer.
Claims Experience
Customer opinions on claims handling are mixed. Angry reviewers say claims get "dragged out for over 5 months," forcing some to "sell houses" while waiting for settlements. These customers accuse Indiana Farm Bureau of caring "only about money." Other customers had smooth claim experiences with quick payouts.
CUSTOMER REVIEWS DON'T FULLY REPRESENT COMPANIES
Customer reviews represent individual experiences and may not reflect the full range of services, quality or outcomes that all customers may experience. These reviews should be considered alongside other factors when evaluating Indiana Farm Bureau's overall service capabilities and performance.
Indiana Farm Bureau Car Insurance Industry Customer Satisfaction Ratings
Industry studies show mixed customer experiences, with J.D. Power showing below-average performance and NAIC showing below-average complaints.
AM Best - Financial Strength | A (Excellent) | A++ to D (Superior to Poor) | Stable outlook |
J.D. Power - Auto Customer Satisfaction | 9th Place | Regional ranking (North Central) | Scored below average in the region |
NAIC - Complaint Index | Below 1.0 | 1.0 = baseline (Lower is better) | Consumer complaints lower than expected for companies of similar size |
Indiana Farm Bureau Car Insurance Coverage Options
Indiana Farm Bureau ranks eighth for coverage options, offering only two add-ons and no included benefits. See the insurer's offerings below.
Roadside Assistance | 24/7 roadside help, including towing, jump starts, tire service, fuel delivery, vehicle lockout and winching | As low as $1/month for automobiles and motorcycles, $2/month for motorhomes |
Rental Car Coverage (Transportation Expenses) | Coverage for rental car expenses during covered collision or comprehensive claims. $20/day maximum for up to 30 days (higher limits available via endorsement) | Not available |
*Coverage availability and terms vary by state and individual circumstances. Contact Indiana Farm Bureau directly to confirm specific coverage details and availability in your area.
Other Indiana Farm Bureau Insurance Coverage Options to Consider
Consider these insurance options besides auto for bundles or standalone policies:
Who Offers It? | Insurance Products |
|---|---|
Indiana Farm Bureau (Directly Offered) | Auto insurance, home insurance, farm insurance, life insurance, business insurance, renters insurance, umbrella insurance |
Third-Party Partner |
Indiana Farm Bureau Auto Insurance Review: Bottom Line
Indiana Farm Bureau landed in eighth place among Indiana insurers in our analysis. Most drivers can find better options, but that doesn't mean it's wrong for everyone. If excellent customer service matters more to you than rock-bottom prices, Indiana Farm Bureau could work well despite charging above-average rates. Your best bet is getting quotes from several companies to see which one offers the right mix of coverage, service and affordability for what you need.
Indiana Farm Bureau Car Insurance Reviews: FAQ
Read MoneyGeek’s expert answers to frequently asked questions about Indiana Farm Bureau car insurance:
Does Indiana Farm Bureau insurance have a good reputation for car insurance?
Indiana Farm Bureau ranks eighth overall in our study. Indiana Farm Bureau's affordability and coverage options are lackluster compared to competitors.
How much does Indiana Farm Bureau car insurance cost on average?
Indiana Farm Bureau car insurance costs $506 per year for minimum coverage and $1,260 for full coverage for most drivers. Pricing depends on your driver profile.
How We Rated Indiana Farm Bureau Car Insurance
MoneyGeek collected auto insurance rates from 79 companies across every ZIP code nationwide. We used data from Quadrant Information Services for nationwide pricing analysis.
The Sample Driver We Used for Quotes
We requested quotes for the same driver profile in every location:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record with no violations
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our "minimum coverage" rates represent policies meeting state-required minimums, while "full coverage" includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We got quotes for different driver types in each city to see which insurers offer the best rates.
- Customer satisfaction (30% weight): We checked Google reviews, J.D. Power ratings, AM Best scores and Reddit discussions to gauge how happy customers are with their service.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.