Georgia Farm Bureau
- Fewer customer complaints than expected for a company of its size.
- May have cheaper rates than average for some drivers in Georgia.
- Multiple brand discounts through Farm Bureau membership.
- Offers fewer discounts than some other insurance companies.
- Website lacks details about policy information.
NerdWallet's take on Georgia Farm Bureau auto insurance
Georgia Farm Bureau earned 4 stars out of 5 for overall performance, according to our analysis.
Best for: Drivers in Georgia who are in the farming or agro business.
Not ideal for: Drivers looking for more extensive coverage options and discount opportunities.
Where Georgia Farm Bureau car insurance stands out
Good complaint ratio. We rated Georgia Farm Bureau well for consumer experience in our analysis because the insurer receives fewer complaints than expected for its size.
Regional coverage for farmers. In addition to auto insurance, Georgia Farm Bureau offers farm insurance, along with deals on farming equipment, machinery and other agricultural products.
Where Georgia Farm Bureau car insurance falls short
Few discounts. Georgia Farm Bureau does have a few discounts, but you may be more likely to find ways to save with another auto insurance company.
Mixed rating for website and online tools. Georgia Farm Bureau has an app on iOS and Android devices, but its website provides little information about auto insurance coverage. You’d have to contact an agent for more details.
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How much does Georgia Farm Bureau car insurance cost?
Full coverage car insurance from Georgia Farm Bureau costs an average of $133 per month or $1,596 per year, according to our November 2025 analysis. That’s compared to the average in Georgia of $3,149 per year.
Minimum coverage from Georgia Farm Bureau, which includes as much coverage as the Peach State requires, costs an average of $481 per year. The statewide average cost of minimum coverage is $1,050 per year.
Your cost for car insurance will likely be different. That’s because your rates depend on details specific to you, such as your driving record, vehicle, coverage and the other drivers in your household.
» MORE: Compare car insurance rates
Georgia Farm Bureau auto insurance rates by age
Your age affects your car insurance rates too. The youngest drivers often pay most for car insurance compared to other drivers who have been driving for a longer time.
Georgia Farm Bureau offers young, school-age drivers a discount for having good grades. This group may also find cheaper car insurance rates by joining an existing policy, like a parent or guardian’s, instead of buying their own.
Here are Georgia Farm Bureau's average car insurance rates for drivers of different ages:
Young drivers. The average cost of Georgia Farm Bureau car insurance for 20-year-old drivers is $4,494 per year, or $375 per month. That’s compared to the average cost of car insurance for young drivers in Georgia, which is $6,656 per year.
Adult drivers. The average cost of Georgia Farm Bureau car insurance for 40-year-old drivers is $1,591 per year, or $133 per month. On average, car insurance in Georgia for this group is $3,094 per year.
Senior drivers. The average cost of Georgia Farm Bureau car insurance for 60-year-old drivers is $1,451 per year, or $121 per month. The average cost of car insurance for senior-age drivers in Georgia is $2,575 per year.
- More Georgia Farm Bureau auto rates by age
Age Company median rate National median rate 20 $4,494 $4,684 30 $1,667 $2,375 35 $1,596 $2,300 40 $1,591 $2,232 50 $1,520 $2,074 60 $1,451 $1,988 70 $1,529 $2,125
Georgia Farm Bureau auto insurance rates by driver profile
Your insurance rates are likely to get more expensive after a driving violation or accident. Credit history is another factor that can affect your car insurance rates in Georgia.
Insurers use details related to credit history to calculate your credit-based insurance score, which insurers use to estimate how likely they think you are to make a claim. If you’re able to build your credit at all, compare rates again to see if you can find cheaper car insurance.
Below are Georgia Farm Bureau's average full coverage rates for 35-year-old drivers:
Poor credit. The average cost of Georgia Farm Bureau car insurance for drivers with poor credit is $2,115 per year, or $176 per month. To compare, the cost of car insurance in Georgia for drivers with a poor credit history is $5,506 per year on average.
(California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket. The average cost of Georgia Farm Bureau car insurance with one speeding ticket is $1,643 per year, or $137 per month. In Georgia, the average annual cost of car insurance is $4,196 after a single ticket.
At-fault crash. The average cost of Georgia Farm Bureau car insurance after one at-fault accident is $1,956 per year, or $163 per month. On average, the cost of car insurance after a crash in Georgia is $4,879 per year.
DUI. The average cost of Georgia Farm Bureau car insurance after a DUI is $3,261 per year, or $272 per month. The average cost of car insurance in Georgia with a DUI on your record is $5,046 per year.
Georgia Farm Bureau auto insurance discounts
Georgia Farm Bureau offers a handful of discounts that could help you lower your car insurance rates. You may be able to get cheaper car insurance by:
Completing a driver training course.
Being a student and maintaining good grades.
Meeting Georgia Farm Bureau’s standards for a safe driver.
Bundling auto insurance with another insurance policy.
Being a member of the military.
Besides savings on insurance, Georgia Farm Bureau offers policyholders potential discounts they could use on travel, entertainment, retailers and farm-related purchases.
If you’re looking for the cheapest auto insurance rates possible, you could buy the least amount of insurance that your state requires. It’s also possible to find cheap car insurance and get much more coverage by comparing rates from multiple companies, shopping around for coverage every year and looking for discounts.
Georgia Farm Bureau car insurance coverage
Georgia Farm Bureau's full coverage car insurance includes the standard types of coverage offered by most 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
Georgia Farm Bureau doesn’t offer as many optional types of car insurance as other companies. Besides the standard selection of coverage that nearly all insurance companies offer, Georgia Farm Bureau offers drivers rental reimbursement coverage.
Rental car reimbursement. This coverage helps pay for a rental car or fare for another form of transportation while your car is being repaired after a covered accident.
Who might need it? You may need rental car reimbursement if you drive your car every day to work or school. It might be especially important to add to a policy if you don’t have public transportation or another ride available.
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. Minimum coverage could quickly leave you without enough insurance after a serious accident.
Is Georgia Farm Bureau a good insurance company?
Georgia Farm Bureau scores fairly well compared to other insurance companies in our analysis. It may be a particularly strong choice for car insurance if you work in agriculture and can bundle your car and farm insurance, or take advantage of farm-focused membership benefits.
Complaints: Georgia Farm Bureau receives fewer complaints than expected compared for its size, according to data from the National Association of Insurance Commissioners.
See what you could save on car insurance
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More information about Georgia Farm Bureau car insurance
Customer service: You can find the office of a local agent using Georgia Farm Bureau’s website. You can also call 877-404-1050 to get a quote.
Website: The Georgia Farm Bureau Insurance website lets you find an agent, get a quote, make premium payments and report claims. Otherwise, it has very few details about policy options.
App: Georgia Farm Bureau has apps for both Android and Apple devices. You can view policy information, pay premiums and start a claim using the app. You can also call for roadside assistance.
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 do I get a quote from Georgia Farm Bureau Insurance?
How do I get a quote from Georgia Farm Bureau Insurance?
You can get a quote online or through an agent.
In what states does Georgia Farm Bureau sell policies?
In what states does Georgia Farm Bureau sell policies?
Georgia Farm Bureau Insurance sells policies only to Georgia residents.
How do you file a claim with Georgia Farm Bureau Insurance?
How do you file a claim with Georgia Farm Bureau Insurance?
You can report a claim on the Georgia Farm Bureau Insurance website or over the phone. You can also start a claim on the mobile app.
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.
