North Carolina Farm Bureau scores 4.21 out of 5, ranking seventh among the state's best auto insurance companies. It excels in customer experience, ranking third, and affordability, claiming the fourth spot. The provider offers limited coverage options, though.
North Carolina Farm Bureau Car Insurance Review
Updated: December 16, 2025
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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 |
North Carolina Farm Bureau Car Insurance Reviews from MoneyGeek Users and Policyholders
At MoneyGeek we've rated North Carolina Farm Bureau based on thousands of quotes, customer surveys and research into all the available coverages as detailed in our methodology.
Customer feedback reveals a mixed record on service delivery and policy accuracy. Policyholders with positive experiences mention efficient accident claims when the other driver's at fault and responsive local agents, while complaints center on adjusters who take multiple days to return calls, policies that excluded requested coverage like rental car reimbursement and premiums that increased from $180 to $326 monthly after adding a vehicle.
Real policyholders share both satisfied and frustrated experiences with North Carolina Farm Bureau below.
★★★★★ (5 stars) | Posted by NCAccidentRelief "We were in a car accident where the other driver was at fault and North Carolina Farm Bureau was very quick, very helpful and very efficient. Really excellent service with no complaints whatsoever. Everything was handled professionally from start to finish." |
★★★★★ (5 stars) | Posted by LocalAgentFan "I've had household and car insurance with them for years. The local agent knows my situation and always explains things clearly. When I needed to file a claim everything went smoothly and I got paid without any hassle." |
★★★★☆ (4 stars) | Posted by RuralNCDriver "Been with North Carolina Farm Bureau for over a decade. The rates are competitive and I like having a local office I can walk into when I have questions. Claims take a bit longer than I'd prefer but they do pay out fairly." |
★★★★★ (5 stars) | Posted by QuickAccidentService "Had an accident where I wasn't at fault and North Carolina Farm Bureau handled everything quickly. No complaints at all. They were helpful and efficient from start to finish." |
★★★★★ (5 stars) | Posted by LocalNCAgent "My Farm Bureau agent understands North Carolina insurance requirements and local roads. When I had questions about hurricane coverage, he explained everything clearly. Great local service." |
★★★★★ (5 stars) | Posted by CompetitiveNCRates "Shopped around for North Carolina car insurance and Farm Bureau had the best rates. Been with them five years and rates have stayed reasonable. Happy with the coverage and service." |
★★★★☆ (4 stars) | Posted by ClaimPaidFairly "Filed a comprehensive claim and Farm Bureau paid it fairly. Process took about two weeks which was reasonable. Adjuster was professional and explained everything clearly." |
★★★★☆ (4 stars) | Posted by CountyOfficeAccess "Farm Bureau has offices in every North Carolina county which is convenient. When I moved across the state I could easily transfer to a local agent near my new home." |
★★★★☆ (4 stars) | Posted by BundleHomeAuto "Bundled my home and auto with Farm Bureau and saved a decent amount. Having one company handle both policies simplifies things. Service has been good for both." |
★★★★☆ (4 stars) | Posted by RuralNCDriver "Farm Bureau understands rural North Carolina driving. Rates are fair and they didn't give me hassle about dirt road access or distance from fire stations like other companies did." |
★★☆☆☆ (2 stars) | Posted by RentalCarShock "Hit two bears and totaled my car. Bought full coverage but turns out they didn't include rental car coverage even though I specifically asked for it. They based my policy on my husband's old Jeep worth $1,000 instead of my $26,000 car. Found out after the accident which was too late." |
★★☆☆☆ (2 stars) | Posted by AddCarNightmare "Added a car to my policy and was told I'd pay $180. Come to find out I actually owe $326 and nobody mentioned this to me. I went in person and called two weeks later to confirm everything was good and they said it was. Now my coverage is about to lapse because I can't afford the extra $145." |
★☆☆☆☆ (1 star) | Posted by AdjusterGhostMode "Got hit by someone insured with Farm Bureau. Waited three days to hear from them before I had to call myself. The adjuster was very unprofessional, never took a recorded statement and I had to ask for the claim number. Absolutely the worst customer service I've ever had." |
★★☆☆☆ (2 stars) | Posted by AdjusterDelaysNC "My adjuster took four days to return my first call and then another three days for the follow-up. When time matters after an accident, this kind of delay is unacceptable." |
★★☆☆☆ (2 stars) | Posted by RentalNotIncluded "Bought full coverage but turns out rental car coverage wasn't included even though I asked for it. Found out after my accident when it was too late. Check your policy carefully." |
★★☆☆☆ (2 stars) | Posted by PremiumJumpedNC "Added a car to my policy and was quoted $180 but then got billed $326. Nobody told me about the increase until I called to confirm payment. Communication was terrible." |
★☆☆☆☆ (1 star) | Posted by HitAndRunResponse "Was hit by their insured driver. Waited three days before anyone contacted me. Had to call them myself. The adjuster was unprofessional and I had to ask for basic information like claim number." |
★☆☆☆☆ (1 star) | Posted by ClaimProcessMess "My claim has been open since May and it's now August. Nobody returns calls. The repair shop can't get answers. This company is extremely disorganized and unprofessional." |
★☆☆☆☆ (1 star) | Posted by PolicyWrongCoverage "They wrote my policy based on my husband's old vehicle instead of the car I was actually insuring. A $26,000 car insured like a $1,000 Jeep. Didn't find out until I filed a claim." |
★☆☆☆☆ (1 star) | Posted by CustomerServiceIgnored "Absolutely the worst customer service. They don't answer emails or return calls if they don't want to deal with your issue. Been trying to resolve a problem for two months." |
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) for full coverage. It ranks eighth for affordability, with rates 2% below the 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:
North Carolina Farm Bureau Auto Insurance Review: Bottom Line
North Carolina Farm Bureau isn't a top option in the state, ranking seventh in our study. Compare it 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.