Farm Bureau Auto Insurance Review 2024

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 membership, generally costs $20 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.

» MORE: The best car insurance companies

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. However, the Farm Bureau’s for Hawaii and Washington don’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

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 35-year-old driver based on NerdWallet’s December 2023 analysis.

Kentucky

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

• $1,234 cheaper for a good driver buying full coverage.

• $1,862 cheaper for full coverage insurance after an at-fault crash.

• $1,242 cheaper for full coverage after a DUI.

• $579 cheaper for minimum coverage.

Louisiana

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

• $1,072 cheaper for a good driver buying full coverage.

• $2,300 cheaper for full coverage for a driver who recently caused an accident.

• $2,353 cheaper for full coverage for someone with a DUI.

• $198 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:

• $950 cheaper for a good driver buying full coverage.

• $1,572 cheaper for full coverage after an at-fault accident.

• $1,923 cheaper for full coverage insurance after a DUI.

• $274 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:

• $631 cheaper for a good driver buying full coverage.

• $1,585 cheaper for full coverage after a DUI.

• $1,764 cheaper for a driver responsible for a recent wreck.

• $141 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:

• $1,698 cheaper for a good driver with full coverage.

• $2,738 cheaper for full coverage for a driver who caused a recent accident.

• $457 cheaper for a good driver buying minimum required insurance.

But Farm Bureau insurance isn’t always a bargain choice. In North Carolina, Farm Bureau was more expensive 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 2024 Auto Insurance Study^[0]

• Michigan Farm Bureau Insurance: Ranked sixth in the North Central region.

• Indiana Farm Bureau Insurance: Ranked ninth in the North Central region.

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

• Texas Farm Bureau Insurance: Ranked third in Texas.

• Kentucky Farm Bureau Insurance: Ranked third in the Southeast region.

• North Carolina Farm Bureau Insurance: Ranked ninth in 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:

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

• Mountain West 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.