Farm Bureau scored 4.28 out of 5, ranking sixth in Missouri for car insurance. The company excels in both 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: September 16, 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.
Missouri Farm Bureau ranks eighth for coverage options, offering limited add-ons overall but specializing in farm equipment coverage and rural property protection.
Missouri Farm Bureau Car Insurance Ratings
| Overall Score | 3.52 | 10 |
| Customer Experience | 3.96 | 5 |
| Coverage | 2.50 | 8 |
| Affordability | 3.47 | 10 |
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 earned 5th place for customer experience in MoneyGeek's comprehensive study with a score of 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 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 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:
Who Offers It? | Insurance Products |
|---|---|
Missouri Farm Bureau (Directly Offered) | Auto insurance, home insurance, farm insurance, life insurance, business insurance, renters insurance, motorcycle insurance, boat insurance, umbrella |
Third-Party Partner |
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. 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.