Farm Bureau Financial Services Auto Insurance Review for 2025 (See if They’re a Good Fit)
Check this Farm Bureau Financial Services auto insurance review with monthly rates starting at $38. They offer up to 25% discounts on coverage for everything from minivans to farm trucks, tailoring insurance to your life and building strong, personalized relationships to protect your future.
Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Feb 27, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 27, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Farm Bureau Financial Services
Monthly Rates:
$38A.M. Best Rating:
AComplaint Level:
LowPros
- Coverage starts at $38 per month with competitive rates among top insurers
- Dedicated agents provide tailored coverage and claims assistance
- Driveology program rewards good driving habits with lower rates
Cons
- Only available in select Midwestern and Western states
- Customers must contact an agent for pricing and policy details
- Farm Bureau offers customizable options for car insurance coverage
- You must pay an annual fee to become a member of the Farm Bureau
- Farm Bureau Insurance has an A rating with A.M. Best
Read this Farm Bureau Financial Services auto insurance review to discover offerings starting at just $38 per month.
Farm Bureau Financial Services offers up to 25% discounts on a variety of coverages, from liability to comprehensive auto insurance, suited for vehicles ranging from minivans to farm trucks.
Farm Bureau Financial Services Auto Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 4.6 |
| Business Reviews | 5.0 |
| Claim Processing | 4.8 |
| Company Reputation | 4.0 |
| Coverage Availability | 4.1 |
| Coverage Value | 4.9 |
| Customer Satisfaction | 4.0 |
| Digital Experience | 3.5 |
| Discounts Available | 4.7 |
| Insurance Cost | 4.8 |
| Plan Personalization | 4.0 |
| Policy Options | 5.0 |
| Savings Potential | 4.7 |
Their personalized service considers your driving history, location, and vehicle type to provide tailored insurance solutions. Committed to strong relationships, they effectively safeguard your automotive future.
Start saving on your auto insurance by entering your ZIP code and comparing quotes.
- FBFS auto insurance review shows rates from $38 per month
- Policy includes liability, collision, and comprehensive coverage options
- Discounts up to 25% help lower costs based on driving history and location
Farm Bureau Financial Services Auto Insurance Rates by Age & Coverage
Farm Bureau Financial Services provides auto insurance through Farm Bureau Property & Casualty Insurance Company, part of Farm Bureau Mutual Holding Company. Founded in 1939, FBPCIC offers comprehensive coverage, including liability, collision, and uninsured motorist protection.
With a strong financial foundation and local agents, Farm Bureau Financial Services delivers reliable, personalized service to policyholders across the Midwest and Western states. Farm Bureau Financial Services auto insurance rates depend on age, gender, and coverage level.
Farm Bureau Financial Services Auto Insurance Monthly Rates by Coverage Level, Age, & Gender
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $315 | $542 |
| Age: 16 Male | $360 | $612 |
| Age: 18 Female | $276 | $473 |
| Age: 18 Male | $325 | $553 |
| Age: 25 Female | $105 | $174 |
| Age: 25 Male | $112 | $184 |
| Age: 30 Female | $95 | $160 |
| Age: 30 Male | $98 | $165 |
| Age: 45 Female | $44 | $95 |
| Age: 45 Male | $42 | $92 |
| Age: 60 Female | $41 | $89 |
| Age: 60 Male | $40 | $88 |
| Age: 65 Female | $38 | $84 |
| Age: 65 Male | $39 | $86 |
Minimum coverage starts at $38 per month for 65-year-old females and $39 per month for males, while 16-year-olds pay the highest at $360 per month.
Insurance rates depend on coverage, age, and gender. Younger male drivers pay more. To save, choose higher deductibles or bundle coverage. For example, older drivers can lower costs with minimum coverage.Kristen Gryglik Licensed Insurance Agent
Full coverage auto insurance costs range from $84 per month for 65-year-old females to $612 per month for 16-year-old males, and rates decrease as drivers age.
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Farm Bureau Auto Insurance Rates by Credit Score & Competitors
Farm Bureau Financial Services auto insurance rates vary based on credit score, competing with top insurers. Drivers with good credit pay around $92 per month, while those with poor credit may pay up to $145 per month. Rates remain competitive, with Geico at $88 per month and State Farm at $95 per month for good credit, making Farm Bureau a strong option.
Farm Bureau Financial Services Auto Insurance Monthly Rates vs. Top Competitors by Credit Score
| Insurance Company | Good Credit | Fair Credit | Poor Credit |
|---|---|---|---|
 | $110 | $135 | $190 |
 | $90 | $112 | $155 |
| $92 | $110 | $145 |
 | $102 | $128 | $180 |
 | $88 | $105 | $140 |
 | $115 | $140 | $195 |
 | $98 | $118 | $165 |
 | $100 | $125 | $175 |
 | $95 | $120 | $160 |
 | $108 | $132 | $185 |
Auto insurance rates depend on driving history. Clean record drivers pay $42 per month, while a DUI increases rates to $72 per month. Cheap auto insurance after a DUI is still possible, but premiums will be higher. A ticket raises rates to $52 per month and an accident to $65 per month.
Farm Bureau auto insurance is competitive as well, with rates affected by your credit score and driving record.
With lower premiums for good credit and safe drivers, it provides value alongside major insurers like Geico and State Farm. Comparing rates can help drivers find the best coverage and savings for their needs.
Farm Bureau Financial Services Auto Insurance: Compare Rates & Coverage
Compare Farm Bureau Financial Services auto insurance monthly rates with top providers to find the most cost-effective coverage. Starting at $38 per month, it offers competitive pricing alongside insurers like Geico, which charges $45 for minimum coverage, and Liberty Mutual, which charges $180 for full coverage.
Farm Bureau Financial Services Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $65 | $160 |
| $58 | $140 |
| $50 | $135 |
| $72 | $175 |
| $45 | $120 |
| $70 | $180 |
| $60 | $150 |
| $55 | $145 |
| $52 | $130 |
| $68 | $155 |
Location, driving history, and levels of coverage selected all affect final premiums, so comparing options is crucial. Catering to their clients with personalized service alongside familiar local agents, they also offer discounts that can be up to 25%, to help policyholders get the coverage they need while balancing costs.
Reviewing these rates and understanding the types of auto insurance allows drivers to make informed decisions and find the best balance between affordability and coverage.
Farm Bureau Financial Services Auto Insurance Discounts: Save Up to 30%
Maximize savings with Farm Bureau Financial Services auto insurance discounts, offering up to 30% off for bundling home and auto, 25% for multi-vehicle policies, and 20% for safe drivers or accident-free records.
Farm Bureau Financial Services Auto Insurance Discounts
| Discount Name | |
|---|---|
| Bundling/Home & Auto | 30% |
| Multi-Vehicle | 25% |
| Safe Driver | 20% |
| Accident-Free | 20% |
| Good Student | 15% |
| Pay-in-Full | 10% |
| Low Mileage | 10% |
| Defensive Driving Course | 10% |
| New Car | 10% |
| Anti-Theft Device | 5% |
Additional savings include 15% for good students, 10% for best low-mileage auto insurance discounts, pay-in-full or defensive driving courses, and 5% for anti-theft devices. These discounts help lower premiums while ensuring quality coverage.
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Farm Bureau Financial Services Auto Insurance Coverage Options
Farm Bureau Financial Services offers a range of auto insurance coverage options to protect you from unexpected costs.
Whether it’s liability, collision auto insurance, comprehensive, medical, or uninsured/underinsured motorist coverage, these policies help ensure financial security in case of accidents or damage.
- Liability Coverage: Protect you if you cause damage to another person’s property or physically injure another person with your car. This type of coverage will not pay for car damage or personal injuries.
- Collision Coverage: If your car is damaged in an accident, collision coverage can help cover the costs to repair it.
- Comprehensive Coverage: If your car is damaged by something other than a collision, this coverage will protect you. Examples include fire, theft, hail, vandalism, etc.
- Medical or No-Fault Coverage: We offer medical or no-fault coverage in all states where we do business, but it varies. See your agent for details.
- Uninsured and Underinsured Coverage: Not everyone is as responsible as you. This coverage protects you and your passengers if a driver causes bodily injury without adequate car insurance.
Farm Bureau also offers SuperCheck, Driveology, and the Young Driver Safety Program to help policyholders optimize coverage and savings. SuperCheck provides a personalized insurance review to identify gaps and ensure adequate protection.
Driveology is a usage-based insurance program, which tracks driving behavior via a telematics device, rewarding safe drivers with the best discounts. Through its Young Driver Safety Program, drivers under the age of 25 can build responsible habits to help qualify for lower insurance rates. Such programs encourage safety, savings, and customized coverage.
Farm Bureau Financial Services Auto Insurance Ratings & Customer Reviews
Farm Bureau Financial Services auto insurance business ratings & consumer reviews, including Farm Bureau auto insurance reviews and Farm Bureau insurance reviews from BBB, highlight strong industry performance and customer satisfaction. With a J.D. Power score of 849/1,000 and an A+ rating for business practices, it consistently ranks above average in service.
Farm Bureau Financial Services Auto Insurance Business Ratings & Consumer Reviews
| Agency | |
|---|---|
 | Score: 849 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 74/100 Good Customer Feedback |
 | Score: 0.58 Fewer Complaints Than Avg. |
 | Score: A Excellent Financial Strength |
Consumer Reports gives it 74/100, reflecting good customer feedback, while its 0.58 complaint ratio is lower than the industry average. A.M. Best rates it A, showcasing excellent financial strength and reliability.
Comment
byu/ridesforfun from discussion
inraleigh
A Reddit review highlights positive experiences with Farm Bureau auto insurance. The customer switched after multiple recommendations and found Farm Bureau’s rates competitive and service fast. After filing an auto insurance claim for two incidents, the customer reports no issues, and body shops also praise Farm Bureau’s claims process.
FBFS continues to earn customer trust with its reliable service and competitive rates. Positive experiences from policyholders and industry recognition reinforce its reputation as a dependable auto insurance provider.
Farm Bureau Financial Services Auto Insurance: Key Benefits & Drawbacks
Farm Bureau Financial Services offers competitive pricing and a range of coverage options designed for customers seeking personalized service. It has high ratings from J.D. Power and A.M. Best, so it is a reliable choice.
However, like any insurer, it has advantages and drawbacks that potential auto insurance policyholders should consider.
- Competitive Rates: Affordable coverage with discounts of up to 30% for bundling and 25% for multi-vehicle policies.
- Strong Customer Satisfaction: High ratings, including 849/1,000 from J.D. Power, reflecting good service.
- Personalized Local Service: Policyholders benefit from dedicated local agents for tailored coverage and claims support.
Farm Bureau auto insurance has strong financial backing, competitive prices, and personalized service, making it a great option for eligible drivers. But not everyone will want a policy that’s hard to get and doesn’t provide quotes online.
- Limited Availability: Coverage is only available in select Midwestern and Western states.
- No Online Quote Tool: Customers must contact a local agent for pricing, which may not be as convenient as online quotes.
Affordable rates, strong financial stability, and personalized service make this auto insurance a solid choice for many drivers.
The bundling discount through Farm Bureau Financial Services saved me 30% after switching, but simplicity in managing both my home and auto insurance was the most significant factor in switching.Tonya Sisler Insurance Content Team Lead
But the limited availability and lack of online quotes can be downsides. Getting quotes from several insurers guarantees you get the coverage, service, and value that meets your needs.
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Maximize Savings With Farm Bureau Financial Services Auto Insurance
Farm Bureau Financial Services auto insurance starts at $38 per month, with discounts of up to 30% for bundling and 25% for multi-vehicle policies. It holds strong customer satisfaction ratings and an A rating from A.M. Best for financial strength.
Strengths include competitive pricing, personalized local agent service, and strong claims support, but limited availability in select Midwestern and Western states and no online quote tool may be drawbacks. Despite these limitations, it remains a solid choice for affordable rates and reliable coverage.
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Frequently Asked Questions
How do Farm Bureau Mutual vs Geico compare in pricing and coverage?
Farm Bureau Mutual vs Geico differ in pricing, with Farm Bureau starting at $38 per month and Geico at $45 per month for minimum coverage. Farm Bureau offers local agent support, while Geico operates online and by phone. Both provide similar coverage, but Farm Bureau includes extra discounts for bundling and safe driving programs like Driveology.
How does Farm Bureau Insurance perform in consumer reports reviews?
Farm Bureau Insurance reviews Consumer Reports ratings at 74/100, reflecting intense customer satisfaction in claims, policy options, and service. With a 0.58 complaint ratio, it has fewer disputes than competitors. While praised for agent support and competitive rates, availability is limited in some states, making it essential to compare options.
No matter how much coverage you need, you can find the lowest rates by entering your ZIP code into our free comparison tool.
How do Farm Bureau vs Progressive auto insurance rates compare?
Farm Bureau vs. Progressive auto insurance rates vary by driving history, location, and coverage. Farm Bureau starts at $38 per month with 30% bundling discounts but has limited availability. Progressive offers nationwide coverage and competitive rates for high-risk drivers, making it one of the best auto insurance companies for high-risk drivers.
How does Ohio Farm Bureau auto insurance compare to other providers?
Ohio Farm Bureau auto insurance is cost-effective, provides local support, and includes special member perks. Policyholders in the know can save by bundling policies, driving safely, and covering farm equipment. It is aimed at rural and suburban drivers looking for local expertise and personalized policies.
How do Farm Bureau Insurance reviews in Michigan reflect customer satisfaction?
Reviews highlight competitive rates, personalized service, and strong claims support. Many appreciate local agents’ responsiveness, though some note limited availability and the need to contact an agent for quotes. Comparing reviews helps determine if Farm Bureau Insurance in Michigan fits your needs.
Is Farm Bureau a good insurance company for auto coverage?
Farm Bureau offers affordable rates, strong financial stability, and personalized service, making it a top contender for the best auto insurance discounts. It holds an A rating from A.M. Best and a J.D. Power score of 849/1,000 for customer satisfaction. While it provides competitive pricing and discounts, coverage is limited to select states, and online quotes are unavailable.
What are common complaints about Farm Bureau insurance?
Complaints typically focus on claims processing times and customer service responsiveness. However, many customers also report positive experiences, particularly with local agents.
Is Farm Bureau insurance considered expensive?
Farm Bureau insurance rates are competitive and often considered reasonable, especially given the personalized service and discounts offered. Rates vary based on location, driving history, and the type of coverage.
Does Farm Bureau offer SR-22 insurance for high-risk drivers?
Farm Bureau provides SR-22 auto insurance for drivers needing proof of financial responsibility after violations like DUIs or reckless driving. Coverage varies by state, and policyholders may face higher premiums. A Farm Bureau agent can help determine eligibility and find ways to reduce costs through available discounts.
How do Farm Bureau Financial Services reviews generally affect the company?
Reviews often highlight the company’s strong customer service and reliable coverage options. Farm Bureau Financial Services typically receives positive ratings for its local agent network and customer support.
Is Farm Bureau homeowners insurance good?
Yes, Farm Bureau homeowners insurance is generally well-regarded for its comprehensive coverage options, competitive pricing, and excellent local customer service.
Does Farm Bureau cover rental cars?
Yes, the Farm Bureau provides complete coverage for rental cars, including comprehensive and collision insurance. Rental reimbursement coverage may be added for claim-related rentals. Auto insurance rates by state can affect the specifics of this coverage, so check with a local agent for details.
How is Missouri Farm Bureau insurance rated by customers?
Missouri Farm Bureau insurance reviews frequently commend the provider for its customer-centric approach and reliable coverage, although some reviews mention concerns about claim resolution times.
What are the Farm Bureau ratings for their vehicle insurance services?
Farm Bureau vehicle insurance generally receives positive ratings for customer service and claims handling. They are often recognized for their strong financial stability with an A rating from A.M. Best, indicating robust financial health and claims-paying ability.
What do reviews say about Georgia Farm Bureau insurance?
Georgia Farm Bureau insurance reviews frequently highlight its competitive rates and personable local agents, making it a top choice for the best Georgia auto insurance. However, some reviews note variability in customer service quality.
How does Farm Bureau insurance address complaints related to Driveology?
Farm Bureau takes feedback from Driveology users seriously and continuously works to improve the system. They offer customer support to address specific issues with device sensitivity and data privacy, ensuring users feel secure and supported.
What are the main differences in coverage options between State Farm and Farm Bureau homeowners insurance?
State Farm offers a broad array of coverage options, including standard policies and unique endorsements like identity theft protection. Farm Bureau, on the other hand, tailors its offerings with specialized coverage for rural and agricultural properties, including farm equipment and structures not typically covered in urban settings.
What do Texas Farm Bureau car insurance reviews say about the company’s service?
Texas Farm Bureau is highly regarded as one of the best Texas auto insurance providers, known for strong customer service, affordable rates, and reliable claims processing. Local agents are praised for their personalized service, making Farm Bureau a favorite among Texas drivers for its competitive and customizable coverage options.
What do Indiana Farm Bureau insurance reviews typically say about their service and coverage?
Indiana Farm Bureau insurance reviews often highlight the local, personalized service and competitive pricing. Policyholders appreciate the responsive customer support and comprehensive coverage options that cater specifically to the needs of Indiana residents.
What does Farm Bureau homeowners insurance typically cover?
Farm Bureau homeowners insurance covers structural damage, personal belongings, liability, and loss of use expenses. It provides financial support for temporary living costs if your home is uninhabitable due to a covered loss.
Compare insurance rates today by entering your ZIP code into our free comparison tool.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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I want my money back
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Scam Artists
Luther
Beware of anything to do with farm bureau you will be sorry!
Anonymous
Farm Bureau review
Karch46
Great Customer Service.
Tiffany33
Very memorable!
Doroxthesh626
Excellent Company
BShelly7
Farm Bureau Cares about Clients
Dwilk
Bad experience
Jerhole
Would recommend Farm Bureau