Mississippi Farm Bureau scored 4.17 out of 5, ranking third in the state for car insurance. It excels in affordability, ranking second among Mississippi providers. Mississippi Farm Bureau also performs well in customer experience, ranking fourth. However, coverage options aren't its strongest area.
Mississippi Farm Bureau Car Insurance Review
Updated: September 17, 2025
Advertising & Editorial Disclosure
Key Takeaways
Mississippi Farm Bureau ranks second for affordability, with average monthly rates of $102 and $37 for full coverage and minimum liability coverage, respectively.
Mississippi Farm Bureau earns fourth place for customer satisfaction in the state, falling slightly behind competitors despite maintaining solid agent service and customer reviews.
Mississippi Farm Bureau ranks eighth for auto insurance coverage, offering very few add-on choices beyond basic liability, comprehensive and collision protection.
Mississippi Farm Bureau Car Insurance Ratings
| Overall Score | 4.17 | 3 |
| Customer Experience | 4.37 | 4 |
| Coverage | 2.50 | 8 |
| Affordability | 4.35 | 2 |
How Much Does Mississippi Farm Bureau Car Insurance Cost?
Mississippi Farm Bureau car insurance costs range from $37 monthly for minimum coverage ($444 annually) to $102 monthly for full coverage ($1,222 annually). Mississippi Farm Bureau ranks second for affordability, with rates 23% below the state average.
| $37 | $102 | 2 | -23% |
*Rates are based on a 40-year-old male driver with no driving violations and good credit who is insuring a 2012 Toyota Camry.
Mississippi Farm Bureau Car Insurance Discounts
Mississippi Farm Bureau offers standard car insurance discounts that save up to 25%. Discounts include:
DriveDown Deductible Rewards | Varies | Safe driving tracked every 30 days through Routely mobile app |
Multi-Policy Account Discount | Varies | Bundle auto with home or other Farm Bureau policies |
Claims-Free Discount | Varies | Period of no claims filed |
Airbag/Safety Features Discount | Varies | Vehicles equipped with factory-installed airbags and safety features |
Multi-Vehicle Discount | Varies | Multiple vehicles on same policy |
Farm Bureau Membership | Required | County Farm Bureau Agricultural Organization membership |
Young Driver Program | Up to 25% | Drivers under 25 who complete safe driving program |
Mississippi Farm Bureau Car Insurance Customer Reviews and Reputation
Mississippi Farm Bureau ranks fourth in the state for customer experience. Customers appreciate the company's strong agent service and user-friendly digital tools, though claims processing generates more complaints than other service areas.
Buying Process Experience
Mississippi Farm Bureau provides personalized service through local agents who understand Mississippi communities. You must be a county Farm Bureau Agricultural Organization member to access insurance, but membership has expanded beyond farmers to serve all Mississippians.
The company emphasizes local, personal relationships rather than digital-first experiences. It doesn't offer instant online quoting, but agents provide detailed coverage explanations and help identify discounts. The membership requirement adds a small annual fee but provides access to additional member benefits and discounts.
Policy Management
Mississippi Farm Bureau customers praise its local agents for accessibility and ongoing service. The MOBILE Agent app provides 24/7 account access for policy reviews, bill payments, claim reporting and emergency roadside assistance requests.
Claims Experience
Mississippi Farm Bureau operates with local adjusters who process claims across the state. The company has served Mississippi for over 70 years and positions itself as treating policyholders like family during severe weather and claim situations.
Customer experiences vary, with some praising responsive claim handling and fair settlements (especially for home insurance claims like burglary and hail damage), while others report typical claim processing challenges. The company's 24/7 claim reporting through phone and mobile app provides convenient access when incidents happen.
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 Mississippi Farm Bureau's overall service capabilities and performance.
Mississippi Farm Bureau Car Insurance Industry Customer Satisfaction Ratings
Industry studies show mixed customer experiences, with the National Association of Insurance Commissioners (NAIC) showing below-average complaints but no J.D. Power rankings.
AM Best - Financial Strength | A (Excellent) | A++ to D (Superior to Poor) | Stable outlook |
J.D. Power - Auto Customer Satisfaction | Not Ranked | Regional rankings | Not ranked in any regions |
NAIC - Complaint Index | Below 1.0 | 1.0 = baseline (Lower is better) | Consumer complaints lower than expected for companies of similar size |
Mississippi Farm Bureau Car Insurance Coverage Options
Mississippi Farm Bureau ranks eighth for coverage options, offering only three add-ons and no included benefits. See the insurer's offerings below.
Emergency Roadside Assistance | Included with full coverage policies. Request service through MOBILE Agent app for immediate dispatch. | Included at no extra charge with full coverage |
Rental Car Coverage | Included with collision coverage. Covers rental vehicle expenses during covered claims. | Included with collision coverage |
Personal Umbrella Policy | Additional liability protection beyond standard policy limits. | Available as add-on |
*Coverage availability and terms vary by state and individual circumstances. Contact Mississippi Farm Bureau directly to confirm specific coverage details and availability in your area.
Other Mississippi Farm Bureau Insurance Coverage Options to Consider
Consider these insurance options besides auto for bundles or standalone policies:
Who Offers It? | Insurance Products |
|---|---|
Mississippi Farm Bureau (Directly Offered) | Auto insurance, home insurance, farm insurance, life insurance, business insurance, renters insurance, manufactured home insurance, landlord insurance, motorcycle insurance, ATV insurance, RV insurance, flood insurance |
Third-Party Partner |
Mississippi Farm Bureau Auto Insurance Review: Bottom Line
Mississippi Farm Bureau is a good option in the state of Mississippi, ranking third overall in our study. While this is the case, we still recommend comparing them with other providers to find the best deal possible.
Mississippi Farm Bureau Car Insurance Reviews: FAQ
Read MoneyGeek’s expert answers to frequently asked questions about Mississippi Farm Bureau car insurance:
Does Mississippi Farm Bureau insurance have a good reputation for car insurance?
Mississippi Farm Bureau ranks third overall in our study. Although its coverage options are lackluster compared to competitors', its affordability is strong.
How much does Mississippi Farm Bureau car insurance cost on average?
Mississippi Farm Bureau car insurance costs $444 per year for minimum coverage and $1,222 for full coverage for most drivers. Pricing depends on your driver profile.
How We Rated Mississippi 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.