North Carolina Farm Bureau scores 4.21 out of 5, ranking seventh in the state. It excels in customer experience, ranking third, and affordability, claiming the fourth spot among North Carolina Farm Bureau providers. On the downside, North Carolina Farm Bureau struggles with coverage options.
North Carolina Farm Bureau Car Insurance Review
Updated: September 15, 2025
Advertising & Editorial Disclosure
Key Takeaways
North Carolina Farm Bureau ranks fourth for affordability, with average monthly rates of $106 and $46 for full coverage and minimum liability coverage, respectively.
North Carolina Farm Bureau earns third place for customer satisfaction in the state due to its strong agent service and positive customer reviews from its membership-based approach.
North Carolina Farm Bureau ranks seventh for auto insurance coverage, offering very few add-on choices.
North Carolina Farm Bureau Car Insurance Ratings
| Overall Score | 4.21 | 7 |
| Customer Experience | 4.64 | 3 |
| Coverage | 2.88 | 7 |
| Affordability | 4.22 | 4 |
How Much Does North Carolina Farm Bureau Car Insurance Cost?
North Carolina Farm Bureau car insurance costs $46 monthly ($557 annually) for minimum coverage and $106 monthly ($1,273 yearly). North Carolina Farm Bureau ranks eighth for affordability, with rates 2% below North Carolina's state average.
| $46 | $106 | 8 | -2% |
*Rates are based on a 40-year-old male driver with no driving violations and good credit who is insuring a 2012 Toyota Camry.
North Carolina Farm Bureau Car Insurance Discounts
North Carolina Farm Bureau offers standard car insurance discounts that save up to 30%. Discounts include:
Multi-Policy Bundle | Up to 25% | Bundle auto with home or other Farm Bureau policies |
Safe Driver | Up to 30% | Clean driving record with no at-fault accidents or violations for 3–5 years |
Good Student | Up to 15% | Students under 25 maintaining 3.0 GPA or higher |
Multi-Car | Varies | Multiple vehicles on same policy |
Defensive Driving | Up to 15% | Complete approved defensive driving course |
Married Driver | Varies | Married policyholders |
Years of Driving Experience | Varies | Discount based on years of driving experience |
Pay-in-Full | Varies | Pay entire annual premium upfront |
Safety Features | Varies | Vehicles with airbags and other safety equipment |
North Carolina Farm Bureau Car Insurance Customer Reviews and Reputation
North Carolina Farm Bureau earns third place in Indiana for customer satisfaction. Customer reviews praise the company's strong agent relationships and personal service, though digital platform experiences receive mixed feedback. Claims processing generates more complaints than average, particularly around settlement timelines and communication.
Buying Process Experience
North Carolina Farm Bureau works through local agents in all 100 counties across the state, providing personalized service with agents who understand local North Carolina communities. The company requires a $25 annual Farm Bureau membership, which provides access to insurance plus additional member benefits like hotel discounts and vehicle purchase incentives.
Policy Management
North Carolina Farm Bureau customers consistently praise the accessibility of its local agents for policy questions and changes. The company offers an online customer portal for basic policy management tasks like viewing documents, making payments and filing claims, though it's less comprehensive than larger national insurers' platforms.
Many customers appreciate the personal relationships they build with local agents who provide ongoing policy reviews and ensure they receive all applicable discounts. The company's emphasis on local service means agents are available for face-to-face meetings when needed.
Claims Experience
North Carolina Farm Bureau processes claims through regional adjusters, with mixed customer experiences reported. Some customers praise prompt, courteous claim handling and quick settlements, while others report delays and communication challenges during busy periods.
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 North Carolina Farm Bureau's overall service capabilities and performance.
North Carolina Farm Bureau Car Insurance Industry Customer Satisfaction Ratings
Industry studies show mixed customer experiences, with a strong performance in financial strength and the National Association of Insurance Commissioners (NAIC) showing higher-average complaints.
AM Best - Financial Strength | A- (Excellent) | A++ to D (Superior to Poor) | Stable outlook |
J.D. Power - Auto Customer Satisfaction | 10th Place | Regional ranking (Southeast) | Scored below average in the region |
NAIC - Complaint Index | Above 1.0 | 1.0 = baseline (Lower is better) | Consumer complaints higher than expected for companies of similar size |
North Carolina Farm Bureau Car Insurance Coverage Options
North Carolina Farm Bureau earns seventh place for coverage in the state due to limited add-ons and zero included benefits. See the insurer's offerings below.
Towing and Labor Coverage | Reimburses towing and labor costs for vehicle disablements. You arrange service and submit receipts for reimbursement. | Available as endorsement at additional cost |
Rental Car Reimbursement | Helps pay for rental car if your vehicle is in the shop for covered claim repairs. | Varies by coverage limits |
*Coverage availability and terms vary by state and individual circumstances. Contact North Carolina Farm Bureau directly to confirm specific coverage details and availability in your area.
Other North Carolina Farm Bureau Insurance Coverage Options to Consider
Consider these insurance options besides auto for bundles or standalone policies:
Who Offers It? | Insurance Products |
|---|---|
North Carolina Farm Bureau (Directly Offered) | Auto insurance, home insurance, farm insurance, life insurance, business insurance, renters insurance, RV insurance, boat insurance, ATV insurance, motorcycle insurance |
Third-Party Partner | Health insurance, life insurance, flood insurance |
North Carolina Farm Bureau Auto Insurance Review: Bottom Line
Overall, North Carolina Farm Bureau is not a top option in North Carolina because it ranks seventh in our study. While this is the case, we recommend comparing them with other providers to find the best deal possible.
North Carolina Farm Bureau Car Insurance Reviews: FAQ
Read MoneyGeek’s expert answers to frequently asked questions about North Carolina Farm Bureau car insurance:
Does North Carolina Farm Bureau insurance have a good reputation for car insurance?
North Carolina Farm Bureau ranks seventh overall in our study. North Carolina Bureau's affordability and customer service do stand out compared to competitors.
How much does North Carolina Farm Bureau car insurance cost on average?
North Carolina Farm Bureau car insurance costs $557 per year for minimum coverage and $1,273 for full coverage for most drivers. Pricing depends on your driver profile.
How We Rated North Carolina 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.