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Georgia Farm Bureau Insurance Review 2021

Jan. 4, 2021
Auto Insurance, Insurance
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  • Offers some of Georgia’s cheapest average auto insurance rates.
  • Has fewer than the expected number of complaints to state regulators relative to its size for auto and home insurance.
  • Requires membership with the Farm Bureau, which is open to anyone.

In Georgia, Farm Bureau insurance may be a good choice for you, even if your only connection to farming is what’s on your dinner plate.

A $35 annual membership fee to the Farm Bureau gives you access to some of the cheapest auto insurance rates in Georgia, on average, plus homeowners insurance and other benefits.

 

Although Farm Bureau insurance is available in many states, policies from Georgia Farm Bureau Insurance are offered only in the Peach State. Georgia Farm Bureau Insurance is one of more than 20 separate Farm Bureau-affiliated insurance companies, many of which operate in just one state.

» MORE: How Farm Bureau insurance works

Georgia Farm Bureau auto insurance

3.5 NerdWallet rating

Georgia Farm Bureau auto insurance earned 3.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners and more.

For many drivers, Georgia Farm Bureau Insurance offers some of the lowest average prices in the state, according to NerdWallet’s multiple annual rate analyses. Even after taking into account the Farm Bureau membership fee, rates are typically hundreds of dollars a year cheaper than the state average.

Georgia Farm Bureau auto insurance discounts

Georgia Farm Bureau auto insurance policyholders may be eligible for discounts for:

  • Safe driving.
  • Driver training.
  • Insuring multiple cars.
  • Bundling auto and home coverage.
  • Good grades, if the policy covers a student.
  • Paying your premium in full.
  • Car safety and security features like anti-lock brakes, anti-theft devices or passive restraints.

» MORE: 8 ways to get the cheapest car insurance possible

Georgia Farm Bureau auto insurance coverage options

Georgia Farm Bureau Insurance has limited information on its website about its car insurance coverage options. However, according to our rate analysis, the company offers standard features such as liability insurance as well as optional add-ons like comprehensive and collision coverage.

Roadside assistance is included through a partner company, Road America Motor Club, a subsidiary of Mapfre. Accident forgiveness is also available.

» MORE: Best cheap car insurance in Georgia

Georgia Farm Bureau homeowners insurance

Homeowners policies from Georgia Farm Bureau Insurance can include options like:

  • Mechanical breakdown coverage.
  • Home business insurance.
  • Coverage for hobby farms.
  • Extra coverage for valuables like jewelry, furs and firearms.

Georgia Farm Bureau complaints

Georgia Farm Bureau had fewer than the expected number of complaints to state regulators relative to its size for homeowners and auto insurance, according to three years’ worth of data from the National Association of Insurance Commissioners.

More about Georgia Farm Bureau Insurance

In addition to home and auto policies, you can get several other types of coverage through Georgia Farm Bureau Insurance, including:

  • Renters insurance.
  • Condominium insurance.
  • Farm insurance.
  • Life insurance through Southern Farm Bureau Life, an affiliated company that operates in 11 states.

Georgia Farm Bureau members may also qualify to purchase:

  • Dental insurance through Delta Dental.
  • Medicare supplement insurance through Tennessee Rural Health.
  • Preventive health screenings through Life Line Screening.
  • Telemedicine services through Teladoc.
  • Health insurance for small businesses, including sole proprietors, through Anthem Blue Cross and Blue Shield of Georgia.

Georgia Farm Bureau offers discounts for prescription drugs, LASIK eye surgery, air ambulance service, hearing aids and other products and services.

Website: The Georgia Farm Bureau Insurance website lets you find an agent, get a quote, make premium payments and report a claim. It has very few details about policy options and refers you to a local Farm Bureau agent.

Mobile app: On your mobile device you can pay premiums, start a claim and check its status. You can also connect with an agent, view your policy information and call for roadside assistance.

Recap: Georgia Farm Bureau Insurance pros and cons

ProsCons
Low auto insurance rates.Farm Bureau membership requires an annual fee.
Fewer customer complaints than expected for a company of its size.Website lacks details about policy options.
Multiple benefits and discounts through Farm Bureau membership.

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, website transparency and affordability. 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.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2016-2018. 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. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

 

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