Virginia Farm Bureau earns a score of 4.4 out of 5, ranking fifth among the best car insurance options. The company excels in affordability, securing the second position in the state for cost-effective coverage.
Virginia Farm Bureau Car Insurance Review
Updated: December 16, 2025
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Key Takeaways
Virginia Farm Bureau earns third place for affordability in Virginia, with monthly rates of $61 for full coverage and $30 for minimum liability coverage.
Virginia Farm Bureau ranks sixth for customer satisfaction in the state, falling behind competitors due to mixed agent service and customer reviews from policyholders.
Prefer direct customer feedback? We gathered policyholder opinions from multiple review platforms. Read More.
Virginia Farm Bureau Car Insurance Ratings
| Overall Score | 4.40 | 5 |
| Customer Experience | 3.91 | 6 |
| Coverage | 2.50 | 9 |
| Affordability | 4.96 | 2 |
Virginia Farm Bureau Car Insurance Reviews from MoneyGeek Users and Policyholders
MoneyGeek’s assessment of Virginia Farm Bureau is based on pricing data, consumer surveys and a detailed review of its coverage offerings under our methodology.
Policyholder feedback in Virginia shows mixed results depending on pricing and claims outcomes. Some customers report paying well below the state average and appreciate working with local agents who meet in person to review coverage. Others describe difficult claims experiences, including total loss payouts valued far below comparable vehicles, waiting more than a month for initial adjuster contact after not at fault accidents and covering medical expenses themselves during prolonged claim reviews.
The customer reviews below illustrate the range of experiences reported with Virginia Farm Bureau.
★★★★★ (5 stars) | Posted by BestRatesAround "Virginia Farm Bureau had the most competitive rates when we were shopping for car insurance. Our agent is extremely friendly and professional and even came by our house to introduce himself and make sure we understood the coverage. Highly recommended." |
★★★★★ (5 stars) | Posted by FastClaimResolution "When we were involved in an accident and had to make a claim, everything was handled fairly, quickly and professionally. We were back in a car in no time. Also saved additional money by adding homeowners to our account." |
★★★★☆ (4 stars) | Posted by HelpfulLocalAgent "The agent was helpful and listened to my needs when I purchased this policy three years ago. The process was quick and painless. Anytime I've had a question or concern the agent has been readily available to speak with me." |
★★★★★ (5 stars) | Posted by BestVARates "Virginia Farm Bureau had the most competitive rates by far. 39% below what I was paying before. Agent even came to my house to explain coverage. Highly recommend." |
★★★★★ (5 stars) | Posted by ClaimQuickResolution "Had an accident and Virginia Farm Bureau handled everything quickly and professionally. We were back in a car within days. Also saved money by bundling homeowners coverage." |
★★★★★ (5 stars) | Posted by LocalVAAgent "My agent understands Virginia insurance requirements and local roads. When I had questions he was readily available. Haven't needed claims yet but the service has been excellent." |
★★★★☆ (4 stars) | Posted by FaceToFaceService "Appreciate the face-to-face service from a local agent. When I need something I can stop by the office instead of calling a 1-800 number. Makes a big difference." |
★★★★☆ (4 stars) | Posted by ThreeYearCustomer "Been with Virginia Farm Bureau three years and very happy. Agent listened to my needs when I signed up. Process was quick and painless. Anytime I have questions he's available." |
★★★★☆ (4 stars) | Posted by FriendOfFarmProgram "The Friend of the Farm program is nice. My membership supports Virginia agriculture and I get good insurance rates. Feels good to support local farmers while getting coverage." |
★★★★☆ (4 stars) | Posted by DiscountsApplied "Agent reviewed my policy and found discounts I was missing. Saved me an additional $200 a year. Appreciate that they look out for ways to lower my costs." |
★★☆☆☆ (2 stars) | Posted by ChristmasAccident "Got hit on Christmas by their customer in a not-at-fault accident. Over two months later I still haven't been paid out. They offered less than a third of my vehicle's value. I bought it for $19,000 five years ago and found comps at $7,900 but they won't accept them." |
★★☆☆☆ (2 stars) | Posted by MonthLongWait "Was struck in a not-at-fault accident and had to take an ambulance to the ER. It took over a month before Virginia Farm Bureau even reached out about the accident. During that time I paid for medical treatment out of pocket with no help from them." |
★☆☆☆☆ (1 star) | Posted by WrongInfoListed "The insurance info listed for their driver was completely incorrect. I called what was listed as Farmers Insurance three times over multiple weeks. The address was wrong too. I had to find their driver myself doing a basic internet search. This was a month after the accident." |
★★☆☆☆ (2 stars) | Posted by TotalLossOneThird "My car was totaled and they offered one-third of its actual value. Bought it for $19,000 five years ago, found comps at $7,900 but they offered much less. Very unfair." |
★★☆☆☆ (2 stars) | Posted by MonthBeforeContact "Accident was on Christmas. Over a month passed before Virginia Farm Bureau even reached out. During that time I paid medical bills out of pocket with no help." |
★★☆☆☆ (2 stars) | Posted by WrongInsuranceInfo "The insurance info listed for their driver was completely wrong. I called the listed company three times over weeks. Had to find their driver myself through internet searches." |
★☆☆☆☆ (1 star) | Posted by RentalOnlyOneWeek "Total loss offer was low and they only gave me one week for rental car. One week isn't enough time to shop for and buy a new vehicle, especially when you're disputing their offer." |
★☆☆☆☆ (1 star) | Posted by ClaimDelayedMonths "Been over two months since my accident and still no payment. They keep delaying and disputing value. Meanwhile I'm without a car and struggling to get to work." |
★☆☆☆☆ (1 star) | Posted by CompsIgnored "Showed Virginia Farm Bureau multiple comparable vehicle listings proving their offer was too low. They acknowledged the comps but still refused to adjust their settlement fairly." |
★☆☆☆☆ (1 star) | Posted by OutOfPocketMedical "Was in a not-at-fault accident and had to pay ER bills out of pocket for over a month. Virginia Farm Bureau took forever to even acknowledge my claim. Terrible communication." |
How Much Does Virginia Farm Bureau Car Insurance Cost?
Virginia Farm Bureau car insurance costs $30 monthly ($362 annually) for minimum coverage and $61 monthly ($737 annually) for full coverage. Farm Bureau ranks third for affordability, costing 39% less than Virginia's average.
| $30 | $61 | 3 | -39% |
*Rates are based on a 40-year-old male driver with no driving violations and good credit who is insuring a 2012 Toyota Camry.
Virginia Farm Bureau Car Insurance Discounts
Virginia Farm Bureau offers standard car insurance discounts that save up to 30%. Discounts include:
Drive2Save Telematics | Up to 30% | Safe driving tracked through Routely mobile app |
Good Driver | Up to 5% | Clean driving record with no accidents or violations |
New Policy | Up to 25% | New policyholders with safe driving record |
Safety Features | Up to 30% | Vehicles equipped with anti-lock brakes and other safety features |
Multi-Policy Bundle | Varies | Bundle auto with home or other Farm Bureau policies |
Multi-Vehicle | Varies | Multiple vehicles on same policy |
Claim-Free | Varies | Period of no claims filed |
Pay-in-Full | Varies | Pay entire annual premium upfront |
Virginia Farm Bureau Car Insurance Customer Reviews and Reputation
Virginia Farm Bureau ranks sixth in the state for customer experience. Customers appreciate its helpful agent service and responsive local support. Claims handling generates more complaints than average, with customers citing delays and communication issues.
Buying Process Experience
Virginia Farm Bureau works through local agents throughout the state, offering personalized service with agents who understand Virginia communities and local needs. The company emphasizes its "Friend of the Farm" approach, where your insurance membership helps support Virginia agriculture and rural communities.
Policy Management
Virginia Farm Bureau customers often praise the accessibility of its local agents for policy questions and changes. The company's online portal allows viewing of policy documents, making payments and handling basic account management tasks, though it's not as robust as larger national insurers' platforms.
Customers appreciate the personal relationship Virginia Farm Burea builds with its local agent, who can provide ongoing policy reviews and ensure customers get all applicable discounts. The company's approach emphasizes long-term relationships rather than transactional interactions.
Claims Experience
Virginia Farm Bureau operates with regional claims handling and has received recognition for customer satisfaction. The company offers roadside assistance through Road America for policyholders with towing and labor coverage, providing services like towing, tire changes, jump starts and lockout assistance.
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 Virginia Farm Bureau's overall service capabilities and performance.
Virginia Farm Bureau Car Insurance Industry Customer Satisfaction Ratings
Industry studies show mixed customer experiences, with a strong AM Best score and the National Association of Insurance Commissioners (NAIC) showing below-average complaints, but not ranking in any J.D. Power studies.
AM Best - Financial Strength | A (Excellent) | A++ to D (Superior to Poor) | Stable outlook |
J.D. Power - Auto Customer Satisfaction | Not Ranked | Regional ranking (North Central) | Not ranked |
NAIC - Complaint Index | Below 1.0 | 1.0 = baseline (Lower is better) | Consumer complaints lower than expected for companies of similar size |
Virginia Farm Bureau Car Insurance Coverage Options
Virginia Farm Bureau earns ninth place for coverage because it offers only two add-ons and zero included benefits. See the insurer's offerings below.
Roadside Assistance | Included with towing and labor coverage, powered by Road America. Services include towing, tire changes, jump starts, lockout service, fuel delivery and winching. | No additional cost when towing/labor coverage is included |
Towing and Labor Coverage | Reimburses expenses for automobile disablements. | Varies by coverage limits |
*Coverage availability and terms vary by state and individual circumstances. Contact Virginia Farm Bureau directly to confirm specific coverage details and availability in your area.
Other Virginia Farm Bureau Insurance Coverage Options to Consider
Consider these insurance options besides auto for bundles or standalone policies:
Virginia Farm Bureau Auto Insurance Review: Bottom Line
The Virginia Farm Bureau is a good option in the state, ranking fifth in our study. We still recommend comparing it with other providers to find the best deal.
Virginia Farm Bureau Car Insurance Reviews: FAQ
Read MoneyGeek’s expert answers to frequently asked questions about Virginia Farm Bureau car insurance:
Does Virginia Farm Bureau insurance have a good reputation for car insurance?
Virginia Farm Bureau ranks fifth in our study. Its customer experience and coverage options are lackluster compared to competitors.
How much does Virginia Farm Bureau car insurance cost on average?
Virginia Farm Bureau car insurance costs $362 per year for minimum coverage and $737 for full coverage for most drivers. Pricing depends on your driver profile.
How We Rated Virginia 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.