Farm Bureau Car Insurance Review 2024

Farm Bureau Car Insurance Review

Farm Bureau Car Insurance Review Consider checking out Farm Bureau car insurance if you’re seeking competitive rates. The generally low number of car insurance complaints nationwide suggests strong customer service. Collision repair professionals have given very good grades to five Farm Bureaus, indicating a likely satisfactory claims experience. Keep in mind that there are independent Farm Bureaus across the country, each with varying insurance products and membership benefits based on the state. However, all Farm Bureaus serve the agricultural industry, making it a suitable option for farmers, ranchers, and rural residents.

Farm Bureau Car Insurance Review 2024

Farm Bureau car insurance continues to be a popular choice for many drivers. With its strong reputation for customer service and affordable rates, it’s no wonder that so many people trust Farm Bureau to protect their vehicles. One of the standout features of Farm Bureau is its commitment to personalized service. Unlike some larger insurance companies, Farm Bureau agents are often local residents who understand the unique needs of the community. This can make a big difference when it comes to filing a claim or getting assistance with your policy. Additionally, Farm Bureau offers a range of coverage options, allowing drivers to customize their policies to fit their individual needs. Whether you’re looking for basic liability coverage or comprehensive protection, Farm Bureau has you covered. Overall, Farm Bureau car insurance receives high marks from customers for its reliability, affordability, and exceptional customer service.

Farm Bureau Car Insurance Pros & Cons

Farm Bureau car insurance offers a range of benefits that make it an attractive option for many drivers. One of the key advantages of Farm Bureau car insurance is its commitment to personalized service. With local agents who are part of the community, policyholders can expect personalized attention and support when it comes to their insurance needs. Additionally, Farm Bureau offers competitive rates and discounts, making it a cost-effective choice for many drivers. The company also has a strong reputation for customer satisfaction, with positive reviews and ratings from policyholders. Overall, Farm Bureau car insurance offers a combination of personalized service, competitive rates, and customer satisfaction that makes it a top choice for many drivers.

Pros

  • Generally very low levels of auto insurance complaints made to state departments of insurance.
  • Decent auto insurance rates in many states among the Farm Bureau companies we evaluated.
  • In some states Farm Bureaus offer a driving safety course discount for drivers under 25, who can be pricey to insure.
  • Excellent collision repair grades among the Farm Bureaus that were graded.
  • Provides membership perks, such as discounts for entertainment, hotels, shopping and farm equipment.
  • Membership allows you to vote on policies that help shape legislation for rural communities and farms.

Cons

  • Farm Bureau car insurance is not available in every state.

Is Farm Bureau auto insurance good?

Yes, Farm Bureau offers solid auto insurance coverage at affordable rates, especially when bundled with other policies (e.g., mobile home or ranch insurance). While its service area is limited, it’s a good option for qualifying drivers that want standard and low-cost auto insurance.

About Farm Bureau Insurance

Farm Bureau is a membership-based organization known for offering insurance products and additional perks to its members. Membership fees vary by state, but typically range from $25 to $50. There are Farm Bureaus in every state, but not all sell auto insurance. Some sell car insurance directly to members. Others sell policies through affiliates. And some—like Hawaii Farm Bureau—don’t sell car insurance at all. Still, the Farm Bureau in most states sells car insurance, as well as homeowners, ranch and life insurance. In states without a Farm Bureau insurance company, members can buy insurance from a Farm Bureau-affiliated insurance company. For instance, you can get Connecticut Farm Bureau car insurance through a partnership with Nationwide.

Farm Bureau Car Insurance

Farm Bureau, like any typical auto insurance company, provides standard types of car insurance coverage. These include liability coverage, collision coverage, and comprehensive coverage. Liability insurance covers the damages you may cause to others in an accident. Collision coverage is for repairs or replacement of your car if it’s damaged in a crash. Comprehensive coverage provides protection against non-collision events such as theft, floods, or fires. Additionally, Farm Bureau offers other optional coverages like personal injury protection and uninsured/underinsured motorist coverage to give extra protection to its clients.

Liability

Liability auto insurance covers expenses for damage caused to others and their property in an accident, as well as court fees, judgments, and settlements if you are sued as a result of the accident.

Collision

Collision insurance provides coverage for your vehicle in the event of a collision with another car or object, like a guardrail or pole, resulting in damage.

Comprehensive

Comprehensive insurance covers the cost of repairing or replacing your car in case of theft or damage from non-collision incidents like animal collisions, hail, fire, falling objects, flooding, and vandalism.

Personal Injury Protection

Personal injury protection (PIP) car insurance covers medical expenses and other costs for you and your passengers in the event of an accident, regardless of fault. It is mandatory in certain states, voluntary in others, and not offered in some states.

Uninsured/Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage provides financial protection for you and your passengers in the event of an accident with a driver who is either uninsured or does not have sufficient coverage to pay for your medical expenses. This coverage does not provide compensation for the uninsured driver. In certain states, you have the option to purchase “uninsured motorist property damage” coverage, which covers the cost of repairing your vehicle if it is damaged by an uninsured driver.

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Farm Bureau Car Insurance Costs

Company State Average Farm Bureau cost per year for a good driver Average statewide cost per year for a good driver
Farm Bureau Mutual (Iowa Group) Arizona $1,487 $1,696
Southern Farm Bureau Arkansas $1,631 $1,961
Colorado Farm Bureau Colorado $1,531 $2,489
Georgia Farm Bureau Georgia $1,926 $2,181
Farm Bureau Mutual (Iowa Group) Iowa $1,294 $1,238
Farm Bureau of Idaho Idaho $1,068 $1,021
United Farm Bureau of Indiana Indiana $1,289 $1,454
Farm Bureau Mutual (Iowa Group) Kansas $1,564 $1,693
Kentucky Farm Bureau Kentucky $1,710 $1,979
Southern Farm Bureau Louisiana $2,885 $3,629
Farm Bureau Insurance of Michigan Michigan $2,979 $2,995
Farm Bureau Mutual (Iowa Group) Minnesota $1,743 $2,360
Mississippi Farm Bureau Mississippi $1,916 $1,704
North Carolina Farm Bureau North Carolina $930 $1,307
Farm Bureau Mutual (Iowa Group) Nebraska $1,651 $1,558
Farm Bureau Mutual (Iowa Group) New Mexico $2,342 $2,104
Oklahoma Farm Bureau Oklahoma $2,540 $2,291
Southern Farm Bureau South Carolina $2,128 $2,387
Farm Bureau Mutual (Iowa Group) South Dakota $2,059 $1,821
Tennessee Farmers Tennessee $1,398 $1,720
Texas Farm Bureau Texas $2,058 $2,938
Farm Bureau Mutual (Iowa Group) Utah $1,905 $1,994

Farm Bureau Car Insurance Benefits

Most car insurance companies provide additional benefits beyond the usual coverage options. Contact the Farm Bureau in your state to obtain a list of extra car insurance protections you can consider. This list will help you identify suitable special coverage options for your needs.

Accident forgiveness

Accident forgiveness insurance keeps your rates from going up after you are at fault for an accident. You may be eligible for accident forgiveness if you have maintained a clean driving record for a set period, like three to five years.

Gap insurance

Gap insurance covers the disparity between the value of your car and the amount you owe on your car loan in the event of a covered accident resulting in your car being totaled.

Diminishing deductible

The diminishing deductible feature reduces your insurance deductible annually, provided that you have a clean driving record. This means that if you file a claim for collision or comprehensive insurance, your deductible could be minimal or even non-existent.

New car replacement

New car replacement insurance provides coverage for a new vehicle with the same make and model if your current vehicle is totaled in a covered accident. In certain states, Farm Bureau offers replacement cost coverage for vehicles that are four or five years old.

Usage-based car insurance

Usage-based car insurance programs usually monitor your speed, acceleration, and harsh braking, as well as your mileage and the times you drive. This is achieved through the use of a plug-in device or a mobile application. If you exhibit extremely safe driving behavior, you may qualify for a reduced car insurance premium. In certain states, the Farm Bureau offers usage-based car insurance under various names, such as Driveology in states served by Farm Bureau Financial Services and DriveRight Mobile in Kentucky.

SR-22 insurance

SR-22 insurance is designed for high-risk drivers, including those who have been caught driving without insurance or those who have been involved in multiple accidents. It is a document that certain drivers are required to submit to their state, confirming that they have the minimum required liability insurance. In Florida and Virginia, this document is known as an FR-44, although it serves the same purpose.

Farm Bureau’s Auto Insurance Discounts

  • Anti-theft: If you have anti-theft devices installed in your car, you may earn a discount.
  • Claim-free: For not filing an insurance claim for a specific number of years, you can get a price break.
  • Defensive driving course: If you successfully complete an approved defensive driver course you can snag a discount.
  • Farm Bureau Member’s Choice: Streamline your coverage by buying one policy that covers your car and home. If a problem covered by your policy, such as a storm, damages both your car and house, you pay just one deductible.
  • Good student: For full-time students with a B average or higher.
  • Low-mileage: For driving fewer than 12,000 miles annually.
  • Loyalty: For renewing a Farm Bureau Member’s Choice policy.
  • Multiple cars: For insuring multiple cars with Farm Bureau.
  • Safe young driver: For drivers under age 25 who complete a young-driver safety program.
  • Safety devices: Earn a discount if your car has safety features such as anti-lock brakes.

Farm Bureau’s Collision Repair Grade

Since 2020, the North Carolina Farm Bureau has been the sole insurer to consistently receive A+ grades out of over 100 insurers assessed by the CRASH Network. Furthermore, all Farm Bureaus featured in the 2023 report outperformed the largest car insurance companies in the nation.

Company CRASH Network collision repair grade
North Carolina Farm Bureau A+
Michigan Farm Bureau B+
Southern Farm Bureau B+
Farm Bureau Property and Casualty B-
Texas Farm Bureau B

Auto Insurance Complaints Against Farm Bureau

Farm Bureaus typically have minimal complaints, often well below the industry average, as reported by state insurance departments nationwide. However, the Colorado Farm Bureau and Mountain West Farm Bureau are exceptions, with slightly higher complaint levels. Common auto insurance complaints involve claim denials, delays, and inadequate settlements. Complaint ratios indicate a company’s complaint volume compared to its business size, with numbers below the industry average of 1.00 being favorable.

Farm Bureau Car Insurance Complaint Levels

Company Complaint ratio
Texas Farm Bureau 0
North Carolina Farm Bureau 0
Arkansas Farm Bureau 0
Missouri Farm Bureau 0
Florida Farm Bureau 0
South Carolina Farm Bureau 0
Southern Farm Bureau (AR, CO, FL, LA, MS, SC) 0
Texas Farm Bureau 0
Virginia Farm Bureau 0
Idaho Farm Bureau 0.13
Oklahoma Farm Bureau 0.15
Farm Bureau Property and Casualty (AZ, IA, KS, MN, MO, NE, NM, SD, UT) 0.18
Mississippi Farm Bureau 0.25
Kentucky Farm Bureau 0.29
Louisiana Farm Bureau 0.36
North Carolina Farm Bureau 0.45
Georgia Farm Bureau 0.47
Michigan Farm Bureau 0.57
Mountain West Farm Bureau (MT, WY) 1.13
Colorado Farm Bureau 1.81

Other Types of Insurance from Farm Bureau

Because each Farm Bureau company operates independently, each has different offerings. Many Farm Bureaus offer:

  • Business insurance
  • Condo insurance
  • Classic car insurance
  • Farm and ranch insurance
  • Farm vehicle insurance
  • Health insurance, disability insurance and long-term care insurance
  • Home insurance
  • Life insurance, including term, whole and universal life insurance
  • Mobile home insurance
  • Motorcycle insurance
  • Recreational vehicle insurance
  • Renters insurance
  • Umbrella insurance

Summary

Farm Bureau Car Insurance is a reliable and trusted option for car insurance coverage. With its competitive rates, excellent customer service, and wide range of coverage options, it’s no wonder why so many people choose Farm Bureau for their car insurance needs. Whether you’re a new driver or have years of experience on the road, Farm Bureau has policies that can fit your specific needs and budget. Don’t wait any longer to protect yourself and your vehicle – get a quote from Farm Bureau Car Insurance today and see why they are a top choice for car insurance.

FAQ’S

Is Farm Bureau insurance good?

Pros: Farm Bureau Property & Casualty Insurance Company has an A rating (Excellent) from A.M. Best for financial strength. Membership includes a wide range of discounts on travel, entertainment, farming equipment, and more.

Which company is best for car insurance claim?

Best Car Insurance Company On The Basis Of Claim Settlement

  1. IFFCO Tokio. IFFCO Tokio has the highest claim settlement ratio and that is why the car insurance plans that the company offers are highly preferred by car owners in India.
  2. Royal Sundaram.
  3. HDFC Ergo.
  4. TATA AIG.
  5. SBI General

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