Farm Bureau Insurance: Is It Right for You?

Anyone can join the Farm Bureau for an annual fee and get access to Farm Bureau insurance.
Ben Moore
By Ben Moore 
Edited by Sarah Schlichter

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You don’t have to be a farmer to get Farm Bureau insurance.

Anyone can join the Farm Bureau for an annual fee — and one major perk of membership is access to Farm Bureau insurance.

The cost to join depends on where you live. The cheapest level, often called associate or community membership, can run from $20 to $125 a year. People who work in agriculture can pay more for a regular membership, making them eligible to vote within the American Farm Bureau Federation on policy positions and partner discounts, among other initiatives. Membership is available through your state’s Farm Bureau chapter.

How Farm Bureau sells insurance

Farm Bureau members can buy insurance through one of several companies, depending on the state. In many states, a statewide Farm Bureau insurance company writes and sells its own policies. Two regional Farm Bureau insurance companies serve 10 additional states.

In states without a Farm Bureau insurance company, members typically can get discounted insurance rates at partner companies including Alfa, Country Financial, American National and Nationwide Insurance. The one exception is Hawaii’s Farm Bureau chapter, which doesn’t offer auto or home insurance options for members.

Because each Farm Bureau insurance company is operated separately, the products they offer vary. In most states, you can get auto, homeowners and business insurance.

Farm Bureau insurance companies in each state

State

Insurance company

Alabama

Partnership with Alfa Insurance.

Alaska

Partnership with Country Financial.

Arizona

Farm Bureau Financial Services.

Arkansas

Southern Farm Bureau Casualty Insurance Company.

California

Partnership with Nationwide.

Colorado

Colorado Farm Bureau Insurance.

Connecticut

Partnership with Nationwide.

Delaware

Partnership with Nationwide.

Florida

Florida Farm Bureau Insurance.

Georgia

Hawaii

None.

Idaho

Idaho Farm Bureau Insurance.

Illinois

Partnership with Country Financial.

Indiana

Indiana Farm Bureau Insurance.

Iowa

Farm Bureau Financial Services.

Kansas

Farm Bureau Financial Services.

Kentucky

Kentucky Farm Bureau Insurance.

Louisiana

Louisiana Farm Bureau Insurance.

Maine

Partnership with American National.

Maryland

Partnership with Nationwide.

Massachusetts

Partnership with A&B Insurance Group.

Michigan

Michigan Farm Bureau Insurance.

Minnesota

Farm Bureau Financial Services.

Mississippi

Mississippi Farm Bureau Insurance.

Missouri

Missouri Farm Bureau Insurance.

Montana

Mountain West Farm Bureau Insurance.

Nebraska

Farm Bureau Financial Services.

Nevada

Partnership with Country Financial.

New Hampshire

Partnership with American National.

New Jersey

Partnership with American National.

New Mexico

Farm Bureau Financial Services.

New York

Partnership with Nationwide.

North Carolina

North Carolina Farm Bureau Insurance.

North Dakota

Nodak Insurance.

Ohio

Partnership with Nationwide.

Oklahoma

Oklahoma Farm Bureau Insurance.

Oregon

Partnership with Country Financial.

Pennsylvania

Partnership with Nationwide.

Rhode Island

Partnership with American National.

South Carolina

South Carolina Farm Bureau Insurance.

South Dakota

Farm Bureau Financial Services.

Tennessee

Farm Bureau Insurance of Tennessee.

Texas

Utah

Farm Bureau Financial Services.

Vermont

Partnership with Nationwide.

Virginia

Virginia Farm Bureau Insurance.

Washington

None.

West Virginia

Partnership with Nationwide.

Wisconsin

Partnership with Rural Mutual Insurance.

Wyoming

Mountain West Farm Bureau Insurance.

Farm Bureau auto insurance rates

If you’re wondering why people who aren't farmers would pay to join an agriculture association, a quick look at Farm Bureau car insurance rates makes it clear.

Here are some of the rock-bottom prices we found when we analyzed annual rates for a sample 40-year-old driver.

Kentucky

In Kentucky, compared with average car insurance rates statewide for our sample driver, Farm Bureau insurance was:

  • $696 cheaper for a good driver buying full coverage.

  • $1,182 cheaper for full coverage insurance after an at-fault crash.

  • $642 cheaper for full coverage after a DUI.

  • $422 cheaper for minimum coverage.

Louisiana

In Louisiana, compared with average car insurance rates statewide for our sample driver, Farm Bureau insurance was:

  • $363 cheaper for a good driver buying full coverage.

  • $1,311 cheaper for full coverage for a driver who recently caused an accident.

  • $2,972 cheaper for full coverage for someone with a DUI.

  • $39 cheaper for someone with poor credit buying full coverage.

  • $176 cheaper for a good driver buying minimum coverage.

Missouri

In Missouri, compared with average car insurance rates statewide for our sample driver, Farm Bureau insurance was:

  • $340 cheaper for a good driver buying full coverage.

  • $887 cheaper for full coverage after an at-fault accident.

  • $1,018 cheaper for full coverage insurance after a DUI.

  • $644 cheaper for someone with poor credit buying full coverage.

  • $195 cheaper for a good driver buying minimum coverage.

North Carolina

In North Carolina, compared with average car insurance rates statewide for our sample driver, Farm Bureau insurance was:

  • $201 cheaper for a good driver buying full coverage.

  • $538 cheaper for full coverage for a driver who recently caused a wreck.

  • $1,198 cheaper for full coverage after a DUI.

  • $59 cheaper for a good driver buying minimum required coverage.

North Dakota

In North Dakota, compared with average car insurance rates statewide for our sample driver, Farm Bureau insurance was:

  • $413 cheaper for full coverage after a DUI.

  • $523 cheaper for full coverage after an at-fault crash.

  • $31 cheaper to insure a driver with poor credit with full coverage.

  • $170 cheaper for a good driver buying minimum coverage.

Tennessee

In Tennessee, compared with average car insurance rates statewide for our sample driver, Farm Bureau insurance was:

  • $362 cheaper for a good driver buying full coverage.

  • $1,162 cheaper for full coverage after a DUI.

  • $1,375 cheaper for a driver with poor credit buying full coverage insurance.

  • $1,027 cheaper for a driver responsible for a recent wreck.

  • $137 cheaper for a good driver buying minimum coverage.

Texas

In Texas, compared with average car insurance rates statewide for our sample driver, Farm Bureau insurance was:

  • $249 cheaper for a good driver with full coverage.

  • $541 cheaper for full coverage for a driver who caused a recent accident.

  • $310 cheaper for full coverage for someone with poor credit.

  • $65 cheaper for a good driver buying minimum required insurance.

But Farm Bureau insurance isn’t always a bargain choice. In a handful of states, Farm Bureau was more expensive than the state average.

  • In Idaho, the cost of full coverage insurance for a good driver from Farm Bureau was $333 higher than the state average.

  • In South Carolina, full coverage for a good driver from Farm Bureau was $151 higher than the state average.

Prices range widely because Farm Bureau insurance comes from more than 20 different companies, each with its own priorities and standards. State regulations and personal factors affect auto insurance prices as well. That’s why it’s important to compare car insurance rates before choosing coverage.

To get an idea of what to expect, review the average car insurance rates for your area in our roundup of the cheapest insurers in each state.

Farm Bureau complaints and customer satisfaction

Several Farm Bureau insurance companies earned strong ratings for customer satisfaction in J.D. Power’s 2021 Auto Insurance Study.

  • Farm Bureau Insurance of Tennessee: Ranked first in the Southeast region.

  • Texas Farm Bureau Insurance: Ranked first in Texas.

  • Kentucky Farm Bureau Insurance: Ranked No. 3 in the Southeast region.

Consumer complaints about most Farm Bureau insurers are lower than expected for companies of a similar size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet looked at complaints reported to the NAIC for auto and home insurance. The Farm Bureau Insurance companies that had more than expected complaints for these policy types include:

  • Colorado Farm Bureau Insurance: More than expected for home insurance.

  • Georgia Farm Bureau Insurance: Significantly more than expected for home insurance.

  • Mountain West Farm Bureau Insurance: Significantly more than expected for home insurance.

  • North Carolina Farm Bureau Insurance: More than expected for home insurance.

  • Wisconsin Farm Bureau Insurance: More than expected for home insurance.

Farm Bureau discounts

Farm Bureau membership comes with discounts on a variety of goods and services. They vary by state, ranging from agricultural equipment and services to travel and prescription drug discounts. Here’s a sampling:

  • Hotel stays: Farm Bureau members save on stays at Choice Hotels, Wyndham properties and more.

  • Rental cars: Companies including Avis, Budget, Enterprise and Hertz offer discounts, depending on your state.

  • Pharmacies: Prescription discount cards are available in many states.

  • Theme parks: Some state Farm Bureau chapters have partnered with local and national theme parks to provide discounts on admission for members and their families.

  • Farm equipment: Discounts are available for several brands.

Methodology

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Methodology: Insurer complaints

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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