Farm Bureau car insurance review 2026: 4.4 out of 5 stars

Farm Bureau is simply a web of autarkic authorities insurers, not 1 nationalist company, truthful pricing and work tin vary. Unless different noted, our reappraisal focuses connected Farm Bureau Financial Services (FBFS), which covers respective Midwestern and Western states.

Across the board, Farm Bureau companies basal retired for having beardown lawsuit satisfaction, just pricing, and bully repair ratings. If your authorities has a chapter, it’s perfectly worthy checking out.

Learn more: Best car security companies successful the U.S.

• Below-average costs

• New car replacement coverage

• Rideshare coverage

• Accident forgiveness varies by chapter

• No diminishing deductible

• Coverage options alteration by chapter

Farm Bureau car security stands retired for some affordability and lawsuit satisfaction. FBFS has a three-year NAIC ailment ratio of 0.137 — good beneath the nationalist benchmark of 1.082. And respective Farm Bureaus chapters gain apical CRASH Network repair rankings:

• North Carolina Farm Bureau: #1 wide (A+)

• Michigan Farm Bureau: #4 (A-)

• Farm Bureau Property & Casualty: #11 (B+)

Farm Bureau outgo and lawsuit satisfaction

• Average monthly outgo for afloat coverage: $151

• J.D. Power lawsuit restitution people by region: Specific Farm Bureau chapters successful Kentucky, Michigan, North Carolina, Tennessee, and Texas fertile supra mean successful 3 retired of 11 regions.

• J.D. Power car claims satisfaction: Farm Bureau wasn’t included successful J.D. Power’s nationalist car claims restitution study.

Learn more: How does car security work? The basics explained

• Different sum types: 6

• Number of discounts: 8

Many Farm Bureau branches connection the six halfway types of car insurance, on with different options depending connected wherever you live.

• Liability coverage

• Collision insurance

• Comprehensive insurance

• Medical oregon no-fault coverage

• Underinsured and uninsured motorist coverage

• Replacement outgo coverage

Learn more: Most communal types of car security explained

It depends connected which Farm Bureau serves your state.

For example, Virginia Farm Bureau allows 1 at-fault mishap to beryllium forgiven per argumentation erstwhile you adhd Accident Forgiveness Protection. But different Farm Bureaus, including FBFS, don’t connection mishap forgiveness astatine all. Because each section operates independently, you’ll request to corroborate availability with your section Farm Bureau agent.

Learn more: Is mishap forgiveness security worthy it?

Yes, exigency roadside assistance is disposable done Farm Bureau car insurance. But again, specifics beryllium connected your state’s Farm Bureau. Most branches connection 24/7 roadside assistance arsenic an optional add-on, covering things similar towing, lockouts, level tires, and jump-starts.

The details tin alteration widely. For example, Michigan Farm Bureau covers towing up to 15 miles oregon up to $300 to the nearest repair facility. Other chapters whitethorn see antithetic limits oregon exclusions. Check exigency roadside sum with your section Farm Bureau earlier you motion your policy.

Learn more: Do I request exigency roadside assistance coverage?

Farm Bureau car security costs astir $151 per period for afloat sum and $90 per period for basal liability insurance. That puts its pricing close successful enactment with the cheapest nationalist insurers and good beneath the nationalist averages for some sum levels.

Most states lone necessitate basal liability insurance, but that minimum sum won’t wage to repair oregon regenerate your ain car aft a crash, theft, hailstorm, oregon hit-and-run. If your fund allows, afloat sum is usually the safer prime due to the fact that it bundles liability with broad and collision.

Learn more: Cheapest car security successful the U.S.

Farm Bureau car security tied with American Family for the cheapest full-coverage car security rates connected our database ($151 per month). This mean comes successful good beneath the $190 nationalist average.

Farm Bureau’s liability-only car security sum averages $90 per month, which besides makes it 1 of the cheapest options connected our database for car insurance. It’s good beneath the $113 nationalist mean for minimum coverage.

Learn more: Minimum car security requirements successful each 50 U.S. states

Farm Bureau commonly advertises these car security discounts, though the nonstop database varies by authorities chapter:

1. Members Choice bundling discount: You could prevention erstwhile you harvester your Farm Bureau car security with location oregon different policy.

2. Claim-free discount: This car security discount is typically reserved for those with a cleanable driving record.

3. Good pupil discount: If you’re a full-time pupil with bully grades (or person 1 connected your policy), it could besides gain you a discount.

4. Safe young operator discount: This discount typically helps offset the outgo of insuring teen drivers.

5. Low-mileage discount: If you thrust little than average, you could gain an further Farm Bureau car security discount.

6. Multi-car discount: This discount commonly applies to anyone insuring much than 1 conveyance connected the aforesaid policy.

7. Continued in-force credit: This is simply a loyalty recognition for drivers who enactment with the aforesaid Farm Bureau chapter.

8. Paid-in-full discount: Paying your premium upfront tin besides snag you a Farm Bureau car security discount.

Learn more: Car security discounts: 17 ways to save

Extra perk: Each year, Farm Bureau performs an yearly “SuperCheck” for its customers to spot if determination are immoderate discounts you suffice for but aren’t presently receiving.

Exact processes whitethorn alteration by chapter, but present is however you’d record an car security assertion done the FBFS section of Farm Bureau:

1. Review your coverage: Before you file, double-check what your argumentation includes, truthful you cognize what costs whitethorn (or whitethorn not) beryllium covered.

2. Gather your info: Have your argumentation number, mishap date, basal details astir what happened, photos oregon videos of the damage, and the different driver’s accusation acceptable to go.

3. Report your claim: With FBFS, you tin record online done your FBFS.com account, done your section agent, oregon by calling claims astatine 800-226-6383. Auto solid harm is handled separately done Safelite.

4. Work with your adjuster: After you file, you tin presumption your assigned adjuster’s interaction info done your online account. They’ll corroborate details, reappraisal damage, and outline adjacent steps.

5. Get your payment: Once approved, Farm Bureau volition contented outgo based connected your sum and deductible.

Learn more: How to record a car security claim

Farm Bureau doesn’t database a strict deadline. But similar astir insurers, you’re encouraged to record a assertion arsenic soon arsenic you’re harmless and able.

It varies. Your adjuster volition springiness you a much circumstantial timeline based connected your assertion benignant and location. As an example, Michigan Farm Bureau gives these mean processing times:

• Roadside assistance oregon glass: 2 days

• Minor conveyance damage: 4 concern days

• More extended harm (requires inspection): 5 concern days

• Total nonaccomplishment claims: 7 concern days

Learn more: Car security rates are climbing. Here are 4 reasons wherefore and 11 ways to save

You tin usage the Farm Bureau MobileAgent app if you unrecorded successful Arkansas, Colorado, Florida, Louisiana, Mississippi, oregon South Carolina. It offers the basics you’d expect: integer ID cards, measure pay, roadside assistance access, cause interaction info, and the quality to commencement a assertion close from your phone. Some states besides see DriveDown, a safe-driving rewards programme that tin shrink your deductible implicit time.

Because each Farm Bureau is independent, not each authorities oregon subdivision uses the aforesaid app. If your authorities isn’t portion of the MobileAgent network, inquire your section Farm Bureau cause for entree to its circumstantial mobile app.

• App Store: 2.3 retired of 5 stars

• Google Play Store: 2.0 retired of 5 stars

For galore drivers, yes. Farm Bureau consistently posts beardown CRASH Network repair scores, debased ailment ratios, and below-average premiums — and it’s uncommon to person specified large lawsuit work scores successful summation to debased rates. But due to the fact that each Farm Bureau operates independently, your acquisition could vary, depending connected your state.

Learn more: What happens erstwhile your car is totaled?

It depends connected what you value. Farm Bureau is mostly cheaper for the mean operator ($151 per period for afloat coverage, compared to Progressive’s $205). Farm Bureau besides tends to outperform Progressive connected ailment ratios and repair-shop scores. That said, Progressive whitethorn entreaty to much drivers looking for a amended mobile app, stronger nationwide consistency, and much sum options.

On average, you tin expect to wage $151 per period for afloat sum and $90 per period for basal coverage. That puts Farm Bureau among the cheapest nationalist car security options we analyzed.

Tim Manni and Jamie Young edited this article.

We researched the sum details and prices for 20 car security plans. We past weighted categories, and each car insurer was scored comparative to the others to find the champion car security companies. Here are the factors we incorporated.

Coverage types: 20% of score. We examined each the sum options available, and assessed whether each insurer offered the following: caller car replacement (5%), GAP security (5%), mishap forgiveness (5%), and diminishing deductible (5%).

Average cost: 40% of score. The mean outgo was generated by Savvy Insurance Solutions in-house instrumentality learning models based connected implicit 3 cardinal information points, and includes much than 20 of the largest security companies successful Savvy's nationwide information set. These estimates are for policies with afloat sum for the mean policyholder who owns 1 car. Average policyholder present is defined arsenic a 48-year-old driver, driving a 13-year-old car, successful an average-income ZIP codification with afloat coverage.

Customer satisfaction: 20% of score. We factored successful accusation from 2 large sources: 1) National Association of Insurance Commissioners (NAIC) complaints (10%), successful which we took the full fig of complaints each institution had implicit a three-year play (2022-2024) and 2) CRASH scores (10%) from the Crash Network which stock however good each institution ensures prime repairs and lawsuit service.

Discounts: 10% of score. We gave points for each benignant of discount that each car insurer offers.

App ratings: 10% of score. We included the mean ratings for each company's apps crossed some the Apple App Store and Google Play Store. All app ratings were close astatine the clip of publication.

Unless stated otherwise, the estimates supra are provided by Savvy Insurance Solutions (“Savvy”). Savvy operates a marketplace for location and car insurance, positive an bureau licensed successful each 50 states. Estimates are generated utilizing Savvy’s in-house instrumentality learning models based connected implicit 3 cardinal information points, and see much than 15 of the largest security companies successful Savvy’s nationwide information set. This includes information from much than 2 cardinal security accounts connected done Trellis Connect, an in-house exertion allowing consumers to “link” their security accounts earlier searching for insurance, and tens of thousands of policies bound by Savvy’s ain agents. It takes into relationship a myriad of factors to make predictions, specified as:

• Policyholder age

• Number of vehicles

• ZIP code

• Vehicle age

• Insurer

• …and more

Savvy creates estimates by moving models against aggregate inputs to the parameters of interest. For instance, the “teen driver” estimates were created by adjusting the policyholder property input into the pricing exemplary portion keeping each different variables dependable from the baseline for “full coverage.” The models alteration hyper-personalized estimates that instrumentality into relationship a plethora of idiosyncratic property permutations (e.g., teen drivers successful circumstantial states, teen drivers with caller vehicles, teen drivers successful circumstantial states with caller vehicles) to supply individuals with a unsocial and tailored experience. The charts supra are a subset of the kinds of personalization Savvy tin do.

The pursuing are definitions utilized by Savvy erstwhile providing its complaint estimates for assorted types of coverage.

Full sum car insurance: A argumentation with comprehensive, collision, and liability coverage.

Average policyholder: A 48-year-old operator who owns a 13-year-old conveyance and lives successful an average-income ZIP code.

Senior driver: A 70-year-old policyholder with afloat sum car insurance.

Good driver: Drivers crossed each sum types, conveyance types, and locations who person nary tickets, accidents oregon DUIs.