Georgia Farm Bureau Insurance Review 2022

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Insurance reviews

Georgia Farm Bureau Auto Insurance
  • Auto insurance

  • Homeowners insurance

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.

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Auto insurance review

Georgia Farm Bureau Auto Insurance
Georgia Farm Bureau

3.0

/5
 NerdWallet rating 
NAIC complaints
Fewer than expected
Ease of use
Average
Discounts
Very few discounts

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.

Georgia Farm Bureau insurance coverage

When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.

If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it's a combination of coverage types, like liability, collision and comprehensive insurance.

Check out the most common types of car insurance coverage below to see how they work:

Coverage type

What it pays for

Required?

Bodily injury and property damage liability

Costs for injuries, deaths or property damage from an accident you caused.

Typically required.

Uninsured or underinsured motorist coverage

Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all.

Often required.

Collision coverage

Repair expenses from traffic-related accidents, regardless of who's at fault.

A car loan or lease may require it.

Comprehensive coverage

Repair costs from events outside of your control, including weather events, hitting an animal while driving, theft and vandalism.

A car loan or lease may require it.

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. Accident forgiveness is also available.

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 the premium in full.

  • Car safety and security features, like anti-lock brakes, anti-theft devices or passive restraints.

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Auto insurance buying guide

Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.

When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.

Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.

Homeowners insurance review

Georgia Farm Bureau Home Insurance
Georgia Farm Bureau

2.0

/5
 NerdWallet rating 
NAIC complaints
Far more than expected
Coverage options
Below average
Discounts
Average set of discounts

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 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. However, it had far more than the expected number of complaints for home insurance.

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.

Mobile 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.

Georgia Farm Bureau members may also qualify to purchase through third parties:

  • 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 2018-2020. 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.

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.

Home insurance ratings methodology

NerdWallet’s homeowners 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, coverages, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. 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.

Frequently asked questions