Georgia Farm Bureau Insurance Review 2023
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Our Take
4.0
The bottom line:
Georgia Farm Bureau Insurance offers some of the lowest average prices in the state, but you need a Farm Bureau membership to get a policy.
Full Review
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Pros & Cons
Pros
Low auto insurance rates.
Fewer customer complaints than expected for a company of its size for auto insurance.
Multiple benefits and discounts through Farm Bureau membership.
Cons
Farm Bureau membership requires an annual fee.
Website lacks details about policy options.
Full Review
Georgia Farm Bureau earned 4 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
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 insurance coverage
When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
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.
Gap insurance may also be added for an additional fee. This coverage pays out when the amount you owe on your car loan or lease is greater than the value of your vehicle at the time it’s declared a total loss.
» MORE: Compare auto insurance rates
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Auto insurance discounts
Georgia Farm Bureau auto insurance policyholders may be eligible for discounts for:
Meeting Georgia Farm Bureau’s standards for a safe driver.
Completing a driver training or defensive driving course.
Insuring multiple cars.
Bundling auto and home coverage.
Having a student on your policy who’s away at school or earns good grades.
Paying your premium in full.
Owning a car with safety and security features, like anti-lock brakes, anti-theft devices or passive restraints.
Being a member of the military.
Owning a home.
Being a loyal Georgia Farm Bureau customer.
Opting to go paperless.
First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.
Georgia Farm Bureau home insurance coverage
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.
Complaints
Georgia Farm Bureau had far fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
More about Georgia Farm Bureau Insurance
Website: The Georgia Farm Bureau Insurance website lets you find an agent, get a quote, make premium payments and report claims. It has very few details about policy options and refers you to a local Farm Bureau agent.
App: On your mobile device, you can pay premiums and start a claim. You can also connect with an agent, view your policy information and call for roadside assistance.
Other insurance from Georgia Farm Bureau
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.
Recreational vehicle and ATV insurance.
Mobile home insurance.
Landlord/rental property insurance.
Umbrella insurance.
Business insurance.
Commercial auto insurance.
Georgia Farm Bureau members may also qualify to purchase through third parties:
Motorcycle insurance.
Classic car insurance.
Flood insurance.
Watercraft insurance.
Life insurance through Southern Farm Bureau Life, an affiliated company that operates in 11 states.
Dental insurance through Delta Dental.
Medicare supplement insurance through Family Life Insurance Company.
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.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. 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 Georgia Farm Bureau’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.
Frequently asked questions
You can get a quote online or through an agent.
Georgia Farm Bureau Insurance sells policies only to Georgia residents.
You can report a claim on the Georgia Farm Bureau Insurance website or by calling an agent at 855-432-2567.
