Farm Bureau Insurance Review
ValuePenguin gives Farm Bureau 3.5 out of 5 stars. The company's car insurance is usually cheap, but its home insurance is expensive. Membership is also required and usually costs between $25-$110/year.
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Is Farm Bureau insurance good?
Farm Bureau is great for people who want good customer service and extra perks. Car insurance from Farm Bureau is often cheap but home insurance is usually expensive, so it's probably not the best option for people who want to bundle their policies.
But if you own a farm, Farm Bureau is a great option. The company was founded to help farmers, and its farm coverage options are still some of the best on the market. Some Farm Bureau agents are even certified by AgWise to help them more fully understand the types of coverages that farmers need.
ValuePenguin rating: Farm Bureau insurance
Rating breakdown | |
|---|---|
| Price | 3.3/5 |
| Coverage | 3.3/5 |
| Customer service | 3.3/5 |
| Unique value | 5/5 |
Read the full breakdown of how ValuePenguin reviews insurance companies.
On this page
Pros and cons
Pros
- Cheap car insurance
- Great customer service
- Excellent farm insurance coverage
Cons
- Expensive home insurance
- Average coverage options
- Sometimes requires a membership
Farm Bureau car insurance review
ValuePenguin gives Farm Bureau car insurance a 4-out-of-5 star score.
The company's car insurance rates are low in many states, but they're not typically the cheapest option available. And while Farm Bureau's customer service is good, its coverage options are just average.
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ValuePenguin rating: Farm Bureau car insurance
Overall rating:
4/5
Rating breakdown | |
|---|---|
| Price | 3.3/5 |
| Coverage | 3.3/5 |
| Customer service | 5/5 |
| Unique value | 5/5 |
How much is Farm Bureau car insurance?
Full coverage car insurance from Farm Bureau costs $215 per month, on average.
Farm Bureau full coverage car insurance rates vs. competitors
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- On average, full coverage from Farm Bureau is 3% more expensive than the national average of $208 per month. But that's because a few expensive states pull the average up; in most states where Farm Bureau sells coverage, its rates are cheap.
- If you live in Georgia, Kentucky, Missouri or Virginia, Farm Bureau has the cheapest average full coverage rates in your state.
- In other states, it's a good idea to get quotes from Farm Bureau and other companies. That way, you can compare your auto insurance quotes and find the cheapest price.
Farm Bureau full coverage car insurance rates vs. competitors
Company | Monthly rate | |
|---|---|---|
| Geico | $187 | |
| State Farm | $192 | |
| Progressive | $207 | |
| Farm Bureau | $215 | |
| Allstate | $282 | |
*USAA is only available to military members, veterans and certain family members.
Farm Bureau has cheap rates for minimum coverage.
But minimum coverage isn't a good idea for most people. The limits are typically very low, which leaves you exposed to big bills if you cause an accident. If you can't afford anything else, minimum coverage is better than no insurance at all. But it's a good idea to get quotes for higher limits. You could still find a cheap policy and get better protection.
Farm Bureau minimum coverage car insurance rates vs. competitors
Company | Monthly rate | |
|---|---|---|
| Farm Bureau | $60 | |
| Geico | $65 | |
| State Farm | $73 | |
| Progressive | $75 | |
| Farmers | $107 | |
*USAA is only available to military members, veterans and certain family members.
Farm Bureau has cheap rates if you've had a speeding ticket or accident, but it's more expensive than average if you have a DUI.
It's also a cheap company for teens and drivers with poor credit scores.
Rates after an accident
$293/mo
$310/mo
National average full coverage policy after an at-fault accident
Rates after a DUI
$406/mo
$391/mo
National average full coverage rate after a DUI
Rates for drivers with poor credit
$379/mo
$412/mo
National average rate for drivers with poor credit
Rates after a speeding ticket
$244/mo
$258/mo
National average rate after a speeding ticket
Rates for teens
$504/mo
$599/mo
National average rate for an 18-year-old driver
Farm Bureau full coverage car insurance rates by state
Whether or not Farm Bureau has good rates depends on where you live.
Farm Bureau usually has cheap rates in the states where it sells policies. In a handful of states, though, it is expensive.
Farm Bureau auto insurance coverage
Farm Bureau usually has fewer coverage add-ons than most major car insurance companies.
In general, Farm Bureau's car insurance coverage options are pretty common. But the exact coverage options available to you depend on the Farm Bureau company in your area. Each company has its own set of coverage options. Some of the more common options across many Farm Bureau companies include:
- Replacement cost coverage: This option pays to replace cars up to four or five years old with a brand-new model.
- Roadside assistance: This coverage pays for roadside help if you break down, such as needing gas, a tire change or a tow.
- Classic and antique car coverage: This option is for cars that are at least 25 or 35 years old and aren't used as your daily vehicle.
Farm Bureau also has standard car insurance coverages, such as comprehensive and collision coverage.
Farm Bureau SuperCheck
Farm Bureau's SuperCheck program lets you take in your insurance policies from any company and have a one-on-one meeting with an agent. The agent can help you find gaps in your coverage and suggest different coverages or policies to better protect you.
Farm Bureau recommends doing a SuperCheck meeting at least once per year. You can have the meeting in person or virtually, if that's easier. You can also take a quick quiz on Farm Bureau's website to see if a SuperCheck is right for you.
SuperCheck availability likely varies depending on where you live.
Farm Bureau car insurance discounts
Farm Bureau offers many of the standard car insurance discounts you'd expect from a major company.
Farm Bureau's discounts are different, depending on where you live. Check with your local Farm Bureau to see what savings you can get.
Featured car insurance discount: Driveology by Farm Bureau
In some Farm Bureau states, you may be able to save with the Driveology telematics program.
This program uses an app and a small tag that you put in your car to monitor your driving habits. If Farm Bureau determines that you're a safe driver, you could save an average of $351 per car .
Claim-free
If you haven't filed a car insurance claim in a while, you could save on your Farm Bureau policy.
Continued in force
If you keep your Farm Bureau's Member's Choice bundle for multiple years, you'll get a loyalty credit.
Good student
Students who earn a B average or higher can get a discount. In Arkansas, you might even save if you have a post-graduate degree.
Low-mileage
You can get a discount if you drive under 7,500 miles per year.
Member's choice bundle
Bundle your auto and home insurance with Farm Bureau and you'll get a discount. Farm Bureau calls their bundle "Member's Choice."
Multi-car
Insuring more than one car on your Farm Bureau policy gives you a discount on each vehicle.
No moving violations
In South Carolina, you might get a discount if you don't have any moving violations, such as speeding tickets, in the past three years.
Paid-in-full
When you pay your entire policy rate in full each renewal, you can get a discount.
Safe young driver training
If you're under 25, you can complete Farm Bureau's Young Driver Safety Program to get a cheaper rate.
School bus driver
In Kentucky, you might be able to save on your Farm Bureau car insurance if you're a certified bus driver.
Farm Bureau membership also comes with several discounts that aren't related to car insurance. You could save on:
- Farm equipment
- Grainger products
- Hotels
- Rental cars
Check with your local Farm Bureau to see what other perks they offer.
Farm Bureau auto insurance reviews and ratings
Farm Bureau usually has good auto insurance customer service.
No matter where you live, Farm Bureau gets fewer complaints than an average company its size, according to the National Association of Insurance Commissioners (NAIC). That makes it a great choice for car insurance if service is your top priority.
However, J.D. Power's annual car insurance satisfaction survey has more mixed results.
Company | J.D. Power ranking |
|---|---|
| Arkansas Farm Bureau | Below average |
| Farm Bureau Financial Services | Below average |
| Florida Farm Bureau | Above average |
| Indiana Farm Bureau | Above average |
| Kentucky Farm Bureau | Above average |
Data is from the 2025 J.D. Power U.S. Auto Insurance Study. Not all Farm Bureau companies were included in the study.
Farm Bureau home insurance review
ValuePenguin only gives Farm Bureau's home insurance 3 out of 5 stars.
The company's rates are usually expensive and the coverage is average. For most people, it's worth shopping around. In most states, though, Farm Bureau has good customer service for its home insurance. Plus, you still get all the perks of a Farm Bureau membership.
Jump to
ValuePenguin rating: Farm Bureau car insurance
Overall rating:
3/5
Rating breakdown | |
|---|---|
| Price | 0/5 |
| Coverage | 3.3/5 |
| Customer service | 5/5 |
| Unique value | 5/5 |
Farm Bureau home insurance rates
On average, Farm Bureau home insurance costs $3,797 per year for a policy with $350,000 in dwelling coverage.
Farm Bureau home insurance rates vs. competitors
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- Farm Bureau's average rate is 59% more than the national average of $2,395 per year, and more expensive than other major insurance companies.
- If you own and live on a farm, though, Farm Bureau could be an great option. Its farm policies are specifically tailored to the unique needs of farmers.
Farm Bureau home insurance rates vs. competitors
Company | Annual rate | ||
|---|---|---|---|
| State Farm | $1,617 | ||
| Allstate | $2,144 | ||
| Farmers | $2,502 | ||
| Travelers | $2,929 | ||
| American Family | $3,066 | ||
*USAA is only available to military members, veterans and certain family members. All rates are for $350,000 in dwelling coverage.
No matter how much coverage you need, Farm Bureau is usually expensive.
Rates for $200K dwelling coverage
$2,460/yr
$1,585/yr
Rates for $500K dwelling coverage
$5,046/yr
$3,222/yr
Rates for $350K dwelling coverage
$3,797/yr
$2,395/yr
Rates for $1 million dwelling coverage
$8,876/yr
$5,812/yr
Rates for $200K dwelling coverage
$2,460/yr
$1,585/yr
Rates for $350K dwelling coverage
$3,797/yr
$2,395/yr
Rates for $500K dwelling coverage
$5,046/yr
$3,222/yr
Rates for $1 million dwelling coverage
$8,876/yr
$5,812/yr
Farm Bureau home insurance insurance rates by state
However, Farm Bureau rates change depending on where you live. If you live in Arkansas, Colorado, North Carolina, Tennessee, Texas, Virginia or Wisconsin, Farm Bureau could be a cheap option.
Farm Bureau home insurance coverage options
Farm Bureau offers fewer coverage options than many companies.
And the options it does offer are fairly standard.
- Earthquake coverage: If your house is in an area where earthquakes are common or if you want extra protection for peace of mind, you may be able to add this coverage.
- Guaranteed replacement cost: This coverage will pay to replace your house when it's damaged or destroyed, even if it costs more than the amount of coverage you have.
- Inflation protection: This option increases your insurance coverage year to year as inflation rises.
- Equipment breakdown coverage: If you have a breakdown in one of your home's systems, like your air conditioner or water heater, this coverage could pay for the repairs.
- Sewer backup: If water backs up into a sewer or drain line and causes damage, you have to have this option to have coverage.
Keep in mind that because each Farm Bureau company is unique, the home insurance options vary depending on where you live.
Farm Bureau also has standard home insurance coverages, just like you'd expect. The company's coverage protects the structure of your home and your belongings. It also covers some living expenses if an emergency forces you out of your home and offers liability protection.
Featured home insurance option: One Deductible Advantage
In some states, you could choose Farm Bureau's One Deductible Advantage option. This means that if you have multiple belongings damaged at once, you only have to pay one deductible.
So if a wind storm tears your roof off and debris from your garage falls onto your car, you'll only pay one deductible for all the damage, rahter than paying your car and home deductibles separately.
Farm Bureau homeowners insurance discounts
Farm Bureau offers homeowners somewhat standard discounts for home insurance.
Even though the discounts aren't particularly unique, they can help you save.
- Continued in-force: You'll get a loyalty credit for staying with Farm Bureau over the years.
- Impact-resistant roofing: You might be able to get a cheaper home insurance rate if you have a roof that is resistant to hail and other impacts.
- Member's Choice: This is what some Farm Bureau companies call their bundling discount. You can save by buying more than one type of insurance from Farm Bureau, such as your home and auto insurance.
- New home: Newer homes are usually cheaper to insure because they're not as likely to be damaged. Farm Bureau gives you an extra discount if you live in a new home.
- New roof: If you get a new roof, you might also get a discount. New roofs are less likely to be damaged, so the insurance company rewards you with savings.
- Paperless: You might be able to save 5% on your home insurance if you sign up for paperless billing and statements.
- Protective devices: If you have a home security system that makes break-ins less common, you could save on your home insurance.
Just like with coverage options, discounts vary depending on where you live.
Farm Bureau home insurance reviews and ratings
Farm Bureau usually has good customer service for its home insurance.
In most states where it sells policies, Farm Bureau has fewer complaints than an average company its size, according to the National Association of Insurance Commissioners (NAIC). This means customers are more likely to be happy with the service they get from Farm Bureau.
In Missouri, Farm Bureau Town & Country Insurance Company gets more than twice the number of complaints than expected for a company its size, according to the NAIC. If you live in Missouri, make sure you consider this if you get quotes from Farm Bureau. Choosing a company with a high number of complaints could mean you have issues when you need to file a claim or make changes to your policy.
But in J.D. Power's 2025 U.S. Home Insurance Study, Farm Bureau Financial Services ranked below average for customer satisfaction. This doesn't apply to all Farm Bureau companies, though. Remember that each Farm Bureau is a separate company, and the services depends on where you live.
Other Farm Bureau policies
Depending on where you live, you may be able to buy several different types of insurance from Farm Bureau:
- ATV and motorcycle
- Boat
- Business
- Camping trailer
- Condo
- Flood
- Health
- Life
- Renters
- Umbrella
Options depend on the Farm Bureau company in your area. You can choose your state from a list on Farm Bureau's website and then see the options available in your area.
Standout coverage: Farm Bureau farm insurance
If you own a farm, Farm Bureau is an excellent choice.
The company can help you cover your farm, ranch, livestock, crops, employees and more. Farm insurance can be complex, but some of Farm Bureau's agents are certified by AgWise to help better understand how to tailor policies to fit the needs of farmers.
Farmers might also get specialized discounts with Farm Bureau. You could get the Ag Advantage discount on your policy just by insuring your farm or ranch with Farm Bureau. Plus, you might qualify for Ag + Rewards, which gives you extra savings when you buy more types of insurance from Farm Bureau, like auto or umbrella coverage.
Just like with Farm Bureau's other coverage options, farm coverages change depending on where you live.
How Farm Bureau works
Farm Bureau isn't just an insurance company, it's a farming advocacy group.
Each state's Farm Bureau operates independently. The group can decide to offer insurance to its members, whether through the actual Farm Bureau insurance company or through a partner company, such as Nationwide or Country Financial.
Joining your state's Farm Bureau is about more than getting insurance.
Local Farm Bureaus work to help farmers and rural communities by advocating for policies that support agriculture. They also collaborate with organizations across the agriculture community, such as 4-H and Future Farmers of America (FFA).
The American Farm Bureau Federation provides news, educational resources, and scholarships and grants to its members.
To get Farm Bureau insurance, you have to first join your state's Farm Bureau. Membership costs vary depending on where you live but are usually between about $25 and $110 per year. Membership gives you access to Farm Bureau's insurance or insurance from a partner company, as well as discounts and perks specific to your state's Farm Bureau.
Farm Bureau availability
Farm Bureau insurance is available in 27 states.
In another 20 states, the local Farm Bureau offers insurance to its members through a partner company, often Nationwide or Country Financial.
Farm Bureau insurance companies by state
In Massachusetts, the Farm Bureau doesn't partner with an insurance company. However, they do partner with an insurance agency to help their members get coverage.
The Hawaii and Maine Farm Bureaus don't offer insurance perks to their members.
Farm Bureau insurance companies by state
State | Farm Bureau or partner |
|---|---|
| Alabama | Alfa |
| Alaska | Country Financial |
| Arizona | Farm Bureau |
| Arkansas | Farm Bureau |
| California | Nationwide |
*The local Farm Bureau in Massachusetts partners with an insurance agency rather than a single company.
Farm Bureau vs. other companies
Farm Bureau vs. State Farm
Farm Bureau | State Farm | |
|---|---|---|
| Availability | 27 states | 48 states & D.C. |
| Auto rates | Cheap, depending on the state | Cheap |
| Home rates | Expensive | Cheap |
| Auto service | Good | Above average |
| Home service | Good | Average |
Farm Bureau vs. Progressive
Farm Bureau | Progressive | |
|---|---|---|
| Availability | 27 states | Nationwide |
| Auto rates | Cheap, depending on the state | Average |
| Home rates | Expensive | Expensive |
| Auto service | Good | Below average |
| Home service | Good | Below average |
Farm Bureau vs. Geico
Farm Bureau | Geico | |
|---|---|---|
| Availability | 27 states | Nationwide |
| Auto rates | Cheap, depending on the state | Cheap |
| Auto service | Good | Above average |
Geico doesn't sell home insurance itself, but instead partners with other insurance companies.
Frequently asked questions
Is Farm Bureau a good insurance company?
Farm Bureau can be a good option if you live on or own a farm, but it's not the best for regular auto and home insurance. The company's car insurance is usually cheap, but its home insurance is usually expensive. Plus, Farm Bureau's auto and home coverages are just average.
How much is Farm Bureau car insurance per month?
On average, full coverage from Farm Bureau costs $215 per month. That's a bit more than the national average of $208 per month. However, Farm Bureau is often cheaper than average in the states where it sells car insurance, so it's worth getting a quote.
How does Farm Bureau work?
Farm Bureau isn't a single insurance company. Instead, it's made up of independent associations across the country. Each state's Farm Bureau is an agricultural advocacy group and it can choose to offer various benefits to its members, including insurance. In some states, the insurance comes from Farm Bureau itself, but in other states, it comes from a partner company, such as Nationwide.
Methodology
ValuePenguin uses rates, coverage, discounts, service and unique features to score insurance companies. Customer satisfaction comes from the National Association of Insurance Commissioners (NAIC) customer complaint info and from J.D. Power surveys.
Auto insurance rates
The car insurance quotes featured here are for a 30-year-old man with a 2018 Honda Civic EX.
Minimum coverage includes only the required coverage in each state. Full coverage includes higher liability limits, comprehensive and collision coverage:
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision coverage: $500 deductible
All rate data is from Quadrant Information Services, which gets its rates from public insurance company filings. Rates may not be available for every state that Farm Bureau operates in. The rates in this article are for comparison purposes only. Your own quotes will likely be different.
Home insurance rates
ValuePenguin's home insurance quotes are for a 45-year-old married man who hasn't filed any insurance claims. The quotes use the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $1,000
Rates are from Quadrant Information Services and ultimately come from public insurance company rate filings. Rates may not be available for every state that Farm Bureau operates in.
The quotes on this page are for comparison purposes only. Your rates will be different and based on your unique situation.
About the Author
Senior Writer
Cate Deventer is a Senior Writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
