You don’t have to be a farmer, or even related to a farmer, to get Farm Bureau insurance. In fact, anyone can join for an annual fee, and membership gives you access to Farm Bureau insurance.
The cost of an annual membership depends on where you live, but it could range from under $50 to over $150 a year. Some students may even be able to join for free.
People who work in agriculture can pay more for a higher level membership, which includes additional benefits like voting eligibility within the American Farm Bureau Federation and receiving partner discounts. Membership is available through your state’s Farm Bureau chapter.
Best for: Drivers who might benefit from the perks of a Farm Bureau membership.
Not ideal for: Drivers who aren’t interested in an additional membership.
NerdWallet's take on Farm Bureau auto insurance
You can get Farm Bureau car insurance by getting a membership through one of several companies, depending on where you live. In many areas, a statewide Farm Bureau insurance company writes and sells its own policies. Some counties may have their own companies as well.
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. However, some state or regional branches may not offer auto or home insurance.
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How much does Farm Bureau car insurance cost?
Prices range widely because Farm Bureau insurance comes from different companies, each with its own priorities and standards. State regulations and personal factors affect auto insurance prices as well.
To get an idea of what you should expect, you can see some examples of how Farm Bureau rates compare to state averages.
These are the average annual rates that Kentucky drivers can expect to pay for a full coverage policy, based on our November 2025 analysis:
Clean driving history: $2,727 from Kentucky Farm Bureau, vs. the state average of $3,067.
Recent speeding ticket: $2,727 from Kentucky Farm Bureau, vs. the state average of $3,651.
Recent at-fault accident: $3,623 from Kentucky Farm Bureau, vs. the state average of $4,452.
Recent DUI: $6,331 from Kentucky Farm Bureau, vs. the state average of $5,949.
These are the average annual rates that Louisiana drivers can expect to pay for a full coverage policy, based on our November 2025 analysis:
Clean driving history: $3,063 from Louisiana Farm Bureau, vs. the state average of $4,312.
Recent speeding ticket: $3,320 from Louisiana Farm Bureau, vs. the state average of $5,512.
Recent at-fault accident: $3,691 from Louisiana Farm Bureau, vs. the state average of $6,053.
Recent DUI: $3,680 from Louisiana Farm Bureau, vs. the state average of $6,525.
These are the average annual rates that South Carolina drivers can expect to pay for a full coverage policy, based on our November 2025 analysis:
Clean driving history: $2,499 from South Carolina Farm Bureau, vs. the state average of $2,498.
Recent speeding ticket: $2,707 from South Carolina Farm Bureau, vs. the state average of $3,014.
Recent at-fault accident: $3,142 from South Carolina Farm Bureau, vs. the state average of $3,427.
Recent DUI: $2,904 from South Carolina Farm Bureau, vs. the state average of $3,947.
These are the average annual rates that Texas drivers can expect to pay for a full coverage policy, based on our November 2025 analysis:
Clean driving history: $1,286 from Texas Farm Bureau, vs. the state average of $3,220.
Recent speeding ticket: $1,286 from Texas Farm Bureau, vs. the state average of $3,510.
Recent at-fault accident: $2,021 from Texas Farm Bureau, vs. the state average of $3,970.
Recent DUI: $4,969 from Texas Farm Bureau, vs. the state average of $4,960.
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Farm Bureau car insurance discounts
Each Farm Bureau company may offer different discounts, so you’ll want to speak with a local agent to see what’s available in your area. However, depending on your state, you may be able to save on auto insurance by:
Bundling all of your policies.
Insuring multiple cars on your policy.
Enrolling in a usage-based program, which tracks your driving habits and rewards safe driving with discounted rates. (These may not be available for everyone.)
Remaining accident- and claims-free.
Maintaining your Farm Bureau policy across multiple years.
Paying your policy in full.
Being a good student or having one on your policy.
Being a young driver (or having one on your policy) and completing an approved Farm Bureau safety program.
Driving your vehicle a limited number of miles each year.
Farm Bureau membership comes with additional discounts on a variety of goods and services. They vary by state and your membership level, and range from agricultural equipment to travel expenses. Here’s a sampling:
Hotel stays: Farm Bureau members save on stays at the Wyndham and Choice Hotel chains.
Rental cars: Take advantage of savings when you rent from Avis and Budget, depending on your state.
Farm equipment: Discounts are available for Caterpillar, John Deere and Case IH.
Financial services: Members can get discounted pricing with FieldClock, Granger, StoneX and Gripp.
If you’re looking for the cheapest auto insurance rates possible, you may want to buy the minimum car insurance needed to drive in your state. Although we recommend getting full coverage if you can afford it, you can still read our cheap car insurance article to see average minimum car insurance rates by company and state.
Farm Bureau car insurance coverage
Your local Farm Bureau company may offer different coverage options than those in other states. However, full coverage car insurance should still include the standard types of coverage offered by most other insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
Different Farm Bureau companies offer different coverage options, such as new car replacement, roadside assistance and rental car reimbursement. You’ll need to check your local branch to find out if the coverage you need is available in your area.
When shopping for car insurance, it's important to understand what coverage you want and what you’re required to buy. Most states require a minimum amount of car insurance to drive a vehicle, but if you can afford it, we recommend getting full coverage insurance.
Usage-based driving programs
Farm Bureau companies may offer a usage-based program in your state. These programs typically use a mobile app to track driving behaviors like speeding, hard braking and phone use, which can help good drivers get cheaper rates.
Is Farm Bureau a good company
Several Farm Bureau insurance companies earned strong ratings for customer satisfaction in J.D. Power’s 2025 Auto Insurance Study.
Arkansas Farm Bureau ranked fifth of 15 insurers in the Central region.
Farm Bureau Financial Services ranked sixth of 15 insurers in the Central region.
Florida Farm Bureau ranked third of 14 insurers in Florida.
Indiana Farm Bureau ranked fourth of 20 insurers in the North Central region.
Kentucky Farm Bureau ranked fourth of 18 insurers in the Southeast region.
Michigan Farm Bureau ranked 11th of 20 insurers in the North Central region.
North Carolina Farm Bureau ranked 10th of 18 insurers in the Southeast region.
Tennessee Farm Bureau ranked second of 18 insurers in the Southeast region.
Texas Farm Bureau ranked eighth of 11 insurers in Texas.
Consumer complaints about many 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. We specifically looked at the data for the following companies:
Colorado Farm Bureau.
Farm Bureau Financial Services.
Georgia Farm Bureau.
Idaho Farm Bureau.
Indiana Farm Bureau.
Kentucky Farm Bureau.
Louisiana Farm Bureau.
Michigan Farm Bureau.
Mississippi Farm Bureau.
Missouri Farm Bureau.
North Carolina Farm Bureau.
Oklahoma Farm Bureau received.
South Carolina Farm Bureau.
Tennessee Farm Bureau.
Texas Farm Bureau.
Virginia Farm Bureau.
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More information about Farm Bureau
Customer service: Contact your state’s Farm Bureau branch.
Website: Most Farm Bureau branches have their own website, which may include information like coverage options, available discounts or a learning center where you can read about insurance and other financial services.
Mobile app: Several different Farm Bureau companies offer mobile apps on both Android and iOS devices, although customers rate some much more highly than others.
You may be able to use these apps to manage your policy, file a claim, pay your bill and request roadside assistance, depending on where you live.
Other Farm Bureau insurance reviews
Some state Farm Bureau branches may offer more competitive coverage and discount options than others. As a result, we have separate reviews for some of the larger state-specific companies:
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
How does Farm Bureau car insurance work?
How does Farm Bureau car insurance work?
Farm Bureau operates as a network of regional companies that all use similar names and logos. These branches each have their own website, and some have separate mobile apps as well.
Does Farm Bureau car insurance cover rental cars?
Does Farm Bureau car insurance cover rental cars?
Depending on your Farm Bureau membership tier, you may be able to get discounted rates on car or truck rentals.
However, Farm Bureau may not offer rental car reimbursement as an optional coverage for auto insurance policies in your state. (This add-on covers part of the expense of renting a vehicle while yours is in the shop as part of a covered claim.)
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. 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.
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 and full ratings methodology for auto insurance.
