Farm Bureau auto insurance evaluation 2026: Rated 4.4 out of 5 stars

Farm Bureau Auto Insurance Review: Key Insights

Overall Rating: 4.4/5 Stars

Farm Bureau operates as a collection of independent state-based insurers, rather than a single national entity. This means that both pricing and customer service may differ depending on your location. Unless specified otherwise, this overview centers on Farm Bureau Financial Services (FBFS), which serves several states in the Midwest and West.

Farm Bureau companies are recognized for their high customer satisfaction, competitive rates, and reliable repair services. If there’s a Farm Bureau chapter in your state, it’s worth considering for your auto insurance needs.

Advantages and Disadvantages of Farm Bureau Auto Insurance

Benefits

• Premiums are typically lower than average
• Offers new car replacement coverage
• Provides rideshare insurance options

Drawbacks

• Accident forgiveness policies differ by chapter
• No option for a diminishing deductible
• Coverage choices are not uniform across all chapters

Farm Bureau Auto Insurance: What Sets It Apart?

Farm Bureau auto insurance is notable for its affordability and positive customer feedback. FBFS boasts a three-year NAIC complaint ratio of 0.137, which is significantly lower than the national average of 1.082. Several chapters also achieve high marks in CRASH Network’s repair rankings:

• North Carolina Farm Bureau: Ranked #1 overall (A+)
• Michigan Farm Bureau: Ranked #4 (A-)
• Farm Bureau Property & Casualty: Ranked #11 (B+)

Cost and Customer Experience

• Average monthly premium for full coverage: $151
• J.D. Power satisfaction by region: Chapters in Kentucky, Michigan, North Carolina, Tennessee, and Texas score above average in three out of eleven regions
• J.D. Power claims satisfaction: Farm Bureau was not included in the national auto claims satisfaction study

Coverage Options

• Number of coverage types available: 6

Discount Opportunities

• Total discounts offered: 8

Coverage Types Available Through Farm Bureau

Most Farm Bureau chapters provide six standard types of auto insurance, with additional options depending on your state:

• Liability insurance
• Collision coverage
• Comprehensive coverage
• Medical payments or no-fault insurance
• Uninsured and underinsured motorist protection
• Replacement cost coverage

Accident Forgiveness Availability

Whether accident forgiveness is available depends on your local Farm Bureau chapter. For instance, Virginia Farm Bureau allows one at-fault accident to be forgiven per policy with Accident Forgiveness Protection, while others, including FBFS, may not offer this feature. Always check with your local agent for details.

Emergency Roadside Assistance

Farm Bureau offers emergency roadside assistance, but the specifics can differ by state. Most chapters provide 24/7 roadside help as an optional add-on, covering services like towing, lockouts, flat tires, and jump-starts. For example, Michigan Farm Bureau covers towing up to 15 miles or $300 to the nearest repair shop, but limits and exclusions vary. Confirm details with your local chapter before enrolling.

Farm Bureau Auto Insurance Pricing

On average, Farm Bureau charges about $151 per month for full coverage and $90 per month for liability-only insurance. These rates are among the lowest nationally and fall well below the average for both coverage levels.

While most states require only liability insurance, this minimum won’t cover repairs or replacement of your own vehicle after incidents like accidents, theft, or severe weather. If possible, opting for full coverage is generally safer, as it combines liability, collision, and comprehensive protection.

Average Full Coverage Premiums

Farm Bureau ties with American Family for the lowest full coverage rates in our analysis, averaging $151 per month—well below the national average of $190.

Average Liability-Only Premiums

Liability-only coverage from Farm Bureau averages $90 per month, making it one of the most affordable options available and significantly under the $113 national average for minimum coverage.

Farm Bureau Car Insurance Discounts

Farm Bureau advertises a variety of discounts, though the exact offerings may differ by state:

1. Members Choice Bundling: Save by combining auto with home or other policies
2. Claim-Free: Available to drivers with a clean record
3. Good Student: Discounts for full-time students with strong grades
4. Safe Young Driver: Helps reduce costs for insuring teens
5. Low-Mileage: For those who drive less than average
6. Multi-Car: Applies when insuring multiple vehicles on one policy
7. Loyalty Credit: For customers who remain with the same chapter
8. Paid-in-Full: Pay your premium upfront for additional savings

Bonus: Farm Bureau conducts an annual “SuperCheck” to identify any discounts you may qualify for but aren’t currently receiving.

How to File a Claim with Farm Bureau

The claims process may differ by chapter, but here’s a general guide for filing with FBFS:

1. Review Your Policy: Confirm what your coverage includes before starting a claim
2. Gather Information: Collect your policy number, accident date, incident details, photos or videos of the damage, and information about other parties involved
3. Submit Your Claim: File online via your FBFS.com account, contact your local agent, or call 800-226-6383. Glass claims are handled separately through Safelite
4. Work with Your Adjuster: After filing, you’ll be assigned an adjuster who will review your claim and guide you through the next steps
5. Receive Payment: Once approved, payment is issued based on your policy and deductible

Claim Submission Deadlines

Farm Bureau does not specify a strict deadline for filing claims, but it’s best to report as soon as possible after an incident.

Claim Processing Times

Timelines vary by claim type and location. For example, Michigan Farm Bureau provides these average processing times:

• Roadside assistance or glass claims: 2 days
• Minor vehicle damage: 4 business days
• Major damage (inspection required): 5 business days
• Total loss claims: 7 business days

Farm Bureau Mobile App

The Farm Bureau MobileAgent app is available to policyholders in Arkansas, Colorado, Florida, Louisiana, Mississippi, and South Carolina. Features include digital ID cards, bill payment, roadside assistance, agent contact, and the ability to initiate claims from your phone. Some states also offer DriveDown, a safe-driving rewards program that can reduce your deductible over time.

Because each Farm Bureau operates independently, not all states use the same app. If your state isn’t covered by MobileAgent, consult your local agent for available options.

Mobile App Ratings

• Apple App Store: 2.3/5 stars
• Google Play Store: 2.0/5 stars

Frequently Asked Questions

Is Farm Bureau a Good Choice for Car Insurance?

For many drivers, Farm Bureau is a strong contender, offering excellent repair scores, low complaint rates, and affordable premiums. However, since each chapter operates independently, your experience may differ depending on your state.

Farm Bureau vs. Progressive: Which Is Better?

The answer depends on your priorities. Farm Bureau generally offers lower premiums ($151 per month for full coverage versus Progressive’s $205) and better repair and complaint scores. Progressive, on the other hand, may appeal to those seeking a more robust mobile app, greater consistency nationwide, and broader coverage options.

What Are the Average Monthly Costs?

On average, Farm Bureau charges $151 per month for full coverage and $90 per month for basic liability, making it one of the most affordable national options analyzed.

Article edited by Tim Manni and Jamie Young.

How We Evaluated Farm Bureau Auto Insurance

Rating Methodology

We analyzed 20 auto insurance providers, weighing coverage, pricing, customer satisfaction, discounts, and app ratings to determine the best options. Here’s how we broke down the scoring:

• Coverage options (20%): Assessed availability of features like new car replacement, GAP insurance, accident forgiveness, and diminishing deductible
• Average cost (40%): Based on machine learning models using over 3 million data points from Savvy Insurance Solutions, focusing on full coverage for an average policyholder (48 years old, 13-year-old car, average-income ZIP code)
• Customer satisfaction (20%): Incorporated NAIC complaint data (10%) and CRASH Network repair scores (10%)
• Discounts (10%): Points awarded for each type of discount offered
• App ratings (10%): Included average ratings from the Apple App Store and Google Play Store

Pricing Data Sources

Unless otherwise noted, pricing estimates come from Savvy Insurance Solutions, which operates a nationwide insurance marketplace. Estimates are generated using proprietary machine learning models and data from over 2 million insurance accounts and thousands of policies. Factors considered include:

• Policyholder age
• Number of vehicles
• ZIP code
• Vehicle age
• Insurance provider
• Other relevant variables

These models allow for highly personalized estimates based on a wide range of user attributes, such as age, location, and vehicle type.

Key Definitions

• Full coverage: Includes liability, collision, and comprehensive insurance
• Average policyholder: 48 years old, owns a 13-year-old car, lives in an average-income ZIP code
• Senior driver: 70-year-old with full coverage
• Good driver: No tickets, accidents, or DUIs across all coverage types and locations