Farm Bureau scores 4.28 out of 5, ranking sixth in Missouri for the best car insurance. The company excels in customer experience and affordability, ranking fifth in each category. Its coverage options, though, don't match the competition, placing eighth in the state.
Missouri Farm Bureau Car Insurance Review
Updated: December 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
Missouri Farm Bureau ranks fifth for affordability, with average monthly rates of $101 and $37 for full coverage and minimum liability coverage, respectively.
Missouri Farm Bureau earns fifth place for customer satisfaction in the state due to its strong agent service and positive policy management reviews from rural communities.
Want the full customer picture? We compiled reviews from policyholders across multiple platforms. Read More.
Missouri Farm Bureau Car Insurance Ratings
| Overall Score | 3.52 | 10 |
| Customer Experience | 3.95 | 5 |
| Coverage | 2.5 | 8 |
| Affordability | 3.47 | 10 |
Missouri Farm Bureau Car Insurance Reviews from MoneyGeek Users and Policyholders
At MoneyGeek we've rated Missouri Farm Bureau based on thousands of quotes, customer surveys and research into all the available coverages as detailed in our methodology.
Customer feedback on Missouri Farm Bureau centers on its local agent model. Many policyholders, especially in smaller Missouri communities, say agents explain coverage clearly and provide direct, in person support. At the same time, complaints point to sharp premium increases, policies canceled after a first claim and communication issues when an assigned agent retires or transfers.
Below is a breakdown of what Missouri Farm Bureau customers report most often, including both positive experiences and recurring concerns.
★★★★★ (5 stars) | Posted by AgentMakesTheDifference "My local Farm Bureau agent actually knows me by name and remembers details about my family. When I call with questions he picks up or calls back same day. That kind of personal service is rare these days and worth the extra cost compared to the big national companies." |
★★★★★ (5 stars) | Posted by RuralMissouriDriver "Farm Bureau understands rural driving needs better than the big companies. My agent explained everything without using confusing insurance terms and helped me pick coverage that makes sense for country roads. Been with them eight years and never had a problem." |
★★★★☆ (4 stars) | Posted by BundleDiscount "The $30 yearly Farm Bureau membership pays for itself with the bundling discounts I get on home and auto. My rates are lower than what I was paying with my previous company. Claims take longer than I'd like but they do eventually pay out fairly." |
★★★★★ (5 stars) | Posted by RuralMOrates "Farm Bureau understands rural Missouri insurance needs. My rates are fair and my agent knows the area. When I hit a deer last year they processed the claim quickly with no issues." |
★★★★★ (5 stars) | Posted by AgentKnowsMyName "My Farm Bureau agent has been my agent for 15 years. He knows my family, remembers details and genuinely cares. You don't get that with the big national companies." |
★★★★★ (5 stars) | Posted by FarmEquipmentCovered "Needed coverage for farm equipment and tractors. Farm Bureau insured everything properly and understood what I needed. Other companies either couldn't or wouldn't cover agricultural vehicles." |
★★★★☆ (4 stars) | Posted by BundleSavingsSolid "The $30 Farm Bureau membership pays for itself with bundling discounts. My home and auto together save me way more than the membership fee. Good value overall." |
★★★★☆ (4 stars) | Posted by ClaimHandledFair "Had wind damage to my barn and Farm Bureau handled the claim fairly. Took about three weeks but they paid what they said they would. No complaints about the process." |
★★★★☆ (4 stars) | Posted by LocalOfficeConvenient "Having a local Farm Bureau office in town is convenient. When I need to adjust coverage or have questions I just stop by. Much better than calling a 1-800 number." |
★★★★☆ (4 stars) | Posted by CompetitiveMORates "Rates are competitive compared to other companies serving rural Missouri. Coverage is good and I haven't had any issues. Service has been reliable for three years." |
★★☆☆☆ (2 stars) | Posted by QuoteScamMO "They quoted $160 a month for my daughter's car insurance. We bought the car based on that quote. Then AFTER the purchase they said actually it's $333 a month using the exact same information. That's deceptive business and left us stuck paying way more than we planned." |
★★☆☆☆ (2 stars) | Posted by DroppedAfterOneClaim "Filed my first claim in 10 years for roof damage and Farm Bureau cancelled my policy at renewal. A decade of paying premiums and the first time I actually use the insurance they drop me. The mandatory membership fee every year just adds insult to injury." |
★☆☆☆☆ (1 star) | Posted by AgentLeftGhostMode "Everything worked great until my agent passed away. After that nobody would return my calls or emails. My car got stolen and recovered same day with only a flat tire but they wanted to total it. The rental coverage I was promised never happened despite calling multiple times." |
★★☆☆☆ (2 stars) | Posted by QuoteJumpedAfterPurchase "Quoted $160 a month for my daughter's car. We bought the car based on that quote. Then AFTER purchase they said it's actually $333 a month. That's deceptive and left us stuck." |
★★☆☆☆ (2 stars) | Posted by FirstClaimDropped "Filed one claim for roof damage after 10 years of paying premiums. Farm Bureau cancelled my policy at renewal. A decade of loyalty and they drop me after one claim." |
★★☆☆☆ (2 stars) | Posted by MembershipFeeAnnoyance "The mandatory $30 yearly Farm Bureau membership is annoying. It's not one-time, you pay it every single year. Just build it into the premium instead of this separate fee." |
★☆☆☆☆ (1 star) | Posted by AgentLeftNoContact "My agent passed away and everything fell apart. Nobody returns calls or emails anymore. My car was stolen and recovered with a flat tire but they wanted to total it. Horrible experience." |
★☆☆☆☆ (1 star) | Posted by UnderwritingRejection "Farm Bureau approved my policy then cancelled it after one month saying I didn't meet underwriting guidelines. They already had all my information. Why approve me just to cancel immediately?" |
★☆☆☆☆ (1 star) | Posted by ClaimServiceDisappeared "Service was great until I filed a claim. Then suddenly nobody answers calls and my claim sits unresolved. They're happy to take premiums but don't want to pay claims." |
★☆☆☆☆ (1 star) | Posted by NonMarriedCharge "They charge an extra $30 for each person in your household if you're not married but living together. That's $60 a year on top of membership fees. Feels like a penalty for not being married." |
How Much Does Missouri Farm Bureau Car Insurance Cost?
Missouri Farm Bureau car insurance costs $37 monthly ($447 annually) for minimum coverage to $101 monthly ($1,207 annually) for full coverage. Missouri Farm Bureau ranks fifth for affordability and costs 26% less than Missouri's average.
| $37 | $101 | 5 | -26% |
*Rates are based on a 40-year-old male driver with no driving violations and good credit who is insuring a 2012 Toyota Camry.
Missouri Farm Bureau Car Insurance Discounts
Missouri Farm Bureau offers standard car insurance discounts that save up to 20%. Discounts include:
Multi-Vehicle | Up to 10% | Two or more vehicles on your policy with Missouri Farm Bureau |
Total Account Bundle | Up to 7.5% | Bundle auto with home, farm, ranch or commercial property |
Good Student | Up to 20% | Full-time student, 16-24 years old, unmarried, meets grade requirements |
Accident Free | Up to 20% | Three years accident-free (increases with additional claim-free years) |
Preferred Driver | Varies | All vehicles and property with Missouri Farm Bureau, 21+, five years accident-free, three years violation-free |
Occupational | Up to 15% | Qualifying occupations including law enforcement, conservation officers, Farm Bureau employees |
E85/Hybrid Vehicle | Up to 5% | Drive E85 ethanol fuel or hybrid vehicle according to VIN |
Missouri Farm Bureau Car Insurance Customer Reviews and Reputation
Missouri Farm Bureau earns fifth place for customer experience in MoneyGeek's comprehensive study, scoring 4.44 out of 5. Customer reviews highlight strong agent relationships and user-friendly digital tools, though claims processing draws more complaints than other service areas. Below, we break down the buying, policy management and claims process experiences based on our research.
Buying Process Experience
You'll work with local agents when getting a Missouri Farm Bureau quote. These agents serve every Missouri county and focus on personal service. The company draws on its farming background to explain coverage without using confusing insurance jargon.
The main challenge is that Missouri Farm Bureau requires membership in the Farm Bureau organization (costing $25 annually for most customers), and digital tools lag behind larger national insurers. The company doesn't offer online quoting, so you'll need to contact an agent directly.
Policy Management
Missouri Farm Bureau customers often bundle multiple policies to maximize savings, with many keeping their total monthly bill under $150 for auto and home coverage combined. Local agents receive praise for being helpful and responsive when you need assistance with policy changes or questions.
The online account portal handles basic tasks like making payments and checking claim status, but some customers find it feels outdated compared to larger insurers' digital platforms. For complex policy questions, you'll typically work directly with your local agent.
Claims Experience
Customers have mixed experiences with Missouri Farm Bureau claims. Some get quick payouts and helpful adjusters who make the process easy. Others wait longer than expected and struggle to reach their adjuster when claims volume is high.
CUSTOMER REVIEWS DON'T FULLY REPRESENT COMPANIES
Customer reviews represent individual experiences and don't reflect the full range of services, quality or outcomes that all customers may experience. These reviews should be considered alongside other factors when evaluating Missouri Farm Bureau's overall service capabilities and performance.
Missouri Farm Bureau Car Insurance Industry Customer Satisfaction Ratings
Industry studies show mixed customer experiences, with it not being rated by J.D. Power and the National Association of Insurance Commissioners (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 | Not Rated | Regional ranking (North Central) | Not rated |
NAIC - Complaint Index | 1.18 | 1.0 = baseline (Lower is better) | Consumer complaints higher than expected for companies of similar size |
Missouri Farm Bureau Car Insurance Coverage Options
Missouri 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 emergency road service including towing, jump starts, tire changes, lockout service and fuel delivery | Varies by coverage level |
Rental Car Coverage | Coverage for rental car expenses during covered claims | Not separately priced |
*Coverage availability and terms vary by state and individual circumstances. Contact Missouri Farm Bureau directly to confirm specific coverage details and availability in your area.
Other Missouri Farm Bureau Insurance Coverage Options to Consider
Consider these insurance options besides auto for bundles or standalone policies:
Missouri Farm Bureau Auto Insurance Review: Bottom Line
Missouri Farm Bureau is not a top option in the state of Missouri due to its overall rank of sixth in our study. While this is the case, we still recommend comparing them with other providers to find the best deal possible.
Missouri Farm Bureau Car Insurance Reviews: FAQ
Read MoneyGeek’s expert answers to frequently asked questions about Missouri Farm Bureau car insurance:
Does Missouri Farm Bureau insurance have a good reputation for car insurance?
Missouri Farm Bureau ranks sixth overall in our study. Missouri Farm Bureau's affordability and coverage options are lackluster compared to competitors in the state.
How much does Missouri Farm Bureau car insurance cost on average?
Missouri Farm Bureau car insurance costs $447 per year for minimum coverage and $1,207 for full coverage for most drivers. Pricing will depend on your exact driver profile.
How We Rated Missouri 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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.