Virginia Farm Bureau earns a score of 4.4 out of 5, ranking fifth overall for car insurance. The company excels in affordability, securing the second position in the state for cost-effective coverage.
Virginia Farm Bureau Car Insurance Review
Updated: September 15, 2025
Advertising & Editorial Disclosure
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.
Virginia Farm Bureau ranks ninth for auto insurance coverage, offering very few add-on features compared to other insurers in the state.
Virginia Farm Bureau Car Insurance Ratings
| Overall Score | 4.40 | 5 |
| Customer Experience | 3.91 | 6 |
| Coverage | 2.50 | 9 |
| Affordability | 4.96 | 2 |
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 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 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:
Who Offers It? | Insurance Products |
|---|---|
Virginia Farm Bureau (Directly Offered) | Auto insurance, home insurance, farm insurance, life insurance, business insurance, renters insurance, RV insurance, boat insurance, motorcycle insurance |
Third-Party Partner | Life insurance (through Southern Farm Bureau Life Insurance Company) |
Virginia Farm Bureau Auto Insurance Review: Bottom Line
Virginia Farm Bureau is a good option in the state due to its overall rank of fifth in our study. While this is the case, we still recommend comparing them with other providers to find the best deal possible.
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 overall in our study. Virginia Farm Bureau's 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.