Tennessee Farm Bureau scores 4.06 out of 5, ranking fifth for overall car insurance performance. It excels in affordability, placing fourth in the state for competitive pricing.
Tennessee Farm Bureau Car Insurance Review
Updated: September 16, 2025
Advertising & Editorial Disclosure
Key Takeaways
Tennessee Farm Bureau ranks third for affordability, with average monthly rates of $85 and $27 for full coverage and minimum liability coverage, respectively.
Tennessee Farm Bureau ranks sixth for overall customer satisfaction in Tennessee, falling behind competitors due to mixed agent service and policy management reviews from policyholders.
Tennessee Farm Bureau ranks eighth for auto insurance coverage, offering fewer add-on choices than other Tennessee insurers.
Tennessee Farm Bureau Car Insurance Ratings
| Overall Score | 4.06 | 5 |
| Customer Experience | 3.91 | 6 |
| Coverage | 2.50 | 8 |
| Affordability | 4.39 | 4 |
How Much Does Tennessee Farm Bureau Car Insurance Cost?
Tennessee Farm Bureau car insurance costs $27 monthly ($324 annually) for minimum coverage and $85 monthly ($1,021 annually) for full coverage. Tennessee Farm Bureau ranks third for affordability statewide, with rates 25% below Tennessee's average.
| $27 | $85 | 3 | -25% |
*Rates are based on a 40-year-old male driver with no driving violations and good credit who is insuring a 2012 Toyota Camry.
Tennessee Farm Bureau Car Insurance Discounts
Tennessee Farm Bureau offers standard car insurance discounts that save up to 10%. Discounts include:
First Mile Teen Program | Up to 10% | Teen drivers 16-17 complete online course, quiz, and sign Safe Driver Pledge |
Multi-Vehicle Bundle | Varies | Multiple vehicles on same policy |
Multi-Policy Bundle | Varies | Bundle auto with home, life or other Farm Bureau policies |
Good Student | Varies | Full-time students maintaining good grades |
Claim-Free | Varies | Period of no claims filed |
Loyalty Credit | Varies | Long-term policyholders who continue to renew |
Pay-in-Full | Varies | Pay entire annual premium upfront |
Tennessee Farm Bureau Car Insurance Customer Reviews and Reputation
Tennessee Farm Bureau ranks sixth in the state for customer experience. Customers praise its agent accessibility and personalized service, with many policyholders highlighting helpful local representatives. However, claims processing generates more complaints than average, with customers frequently citing slower resolution times and communication gaps during the claims process. The company's digital tools receive mixed feedback, with some users finding the online platform straightforward while others report navigation challenges.
Buying Process Experience
Tennessee Farm Bureau works exclusively through local agents in every county across the state. You'll get personalized service from agents who understand Tennessee communities and can explain coverage options without overwhelming jargon. The company's membership requirement ($30 annually) gives you access to insurance plus thousands of member discounts.
Policy Management
Many Tennessee Farm Bureau customers bundle multiple policies to maximize savings, often keeping total insurance costs competitive with local rates. The company's network of 500+ local agents receives consistent praise for being accessible and helpful when you need policy changes or have questions.
The online account portal handles basic functions like bill paying and viewing policy documents, but it's more limited than what you'd find with larger insurers. For most policy management tasks, you'll work directly with your local agent, which many customers prefer for the personal touch.
Claims Experience
Tennessee Farm Bureau operates 16 regional claims centers across the state with 350 claims professionals. Customer experiences vary, with some praising quick settlements and responsive adjusters, while others report communication challenges and delays 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 Tennessee Farm Bureau's overall service capabilities and performance.
Tennessee Farm Bureau Car Insurance Industry Customer Satisfaction Ratings
Industry studies show mixed customer experiences, with J.D. Power showing below-average performance and the National Association of Insurance Commissioners (NAIC) showing below-average complaints.
AM Best - Financial Strength | A+ (Superior) | A++ to D (Superior to Poor) | Stable outlook |
J.D. Power - Auto Customer Satisfaction | 2nd Place | Regional ranking (Southeast) | Scored above average in the region |
NAIC - Complaint Index | Below 1.0 | 1.0 = baseline (Lower is better) | Consumer complaints lower than expected for companies of similar size |
Tennessee Farm Bureau Car Insurance Coverage Options
Tennessee Farm Bureau ranks eighth statewide for coverage because it offers just two add-ons and zero included benefits. See the insurer's offerings below.
Roadside Assistance | 24/7 emergency service including towing, jump starts, tire changes, lockout service, fuel delivery and winching | Up to $200 coverage limit ($500 for RVs and farm trucks) |
Rental Car Coverage (Transportation Expenses) | Available for vehicles up to 4–5 years old | Varies by vehicle |
*Coverage availability and terms vary by state and individual circumstances. Contact Tennessee Farm Bureau directly to confirm specific coverage details and availability in your area.
Other Tennessee Farm Bureau Insurance Coverage Options to Consider
Consider these insurance options besides auto for bundles or standalone policies:
Who Offers It? | Insurance Products |
|---|---|
Tennessee Farm Bureau (Directly Offered) | Auto insurance, home insurance, farm insurance, life insurance, business insurance, renters insurance, umbrella insurance, RV insurance, boat insurance |
Third-Party Partner |
Tennessee Farm Bureau Auto Insurance Review: Bottom Line
Tennessee Farm Bureau is a good option in the state due to its fifth overall ranking in our study. While this is the case, we still recommend comparing it with other providers to find the best deal possible.
Tennessee Farm Bureau Car Insurance Reviews: FAQ
Read MoneyGeek’s expert answers to frequently asked questions about Tennessee Farm Bureau car insurance:
Does Tennessee Farm Bureau insurance have a good reputation for car insurance?
Tennessee Farm Bureau ranks fifth overall in our study. Tennessee Farm Bureau's customer experience and coverage options are lackluster compared to competitors.
How much does Tennessee Farm Bureau car insurance cost on average?
Tennessee Farm Bureau car insurance costs $324 per year for minimum coverage and $1,020 for full coverage for most drivers. Pricing depends on your driver profile.
How We Rated Tennessee 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.