Farm Bureau Auto Insurance Review: Can you get affordable quotes? (2026)
Our Farm Bureau auto insurance review finds competitive rates for drivers with poor credit, about $167/mo. Drivers also enjoy Farm Bureau membership benefits, including discounts on hotels and car rentals. Farm Bureau insurance complaints are low, with exceptions in some states regarding auto claims.
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Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Melanie Musson
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Brandon Frady
Updated October 2024
Farm Bureau auto insurance offers several different types of auto insurance coverage, competitive rates, discounts, and membership benefits. On average, a Farm Bureau auto insurance policy costs $73 monthly, so getting a cheap Farm Bureau quote should be easy.
In addition, Farm Bureau is one of the most affordable auto insurance companies for drivers with credit. However, you should always do a Farm Bureau auto insurance quotes comparison to ensure the company offers the coverages and price you need.
What You Should Know About Farm Bureau Insurance
Farm Bureau auto insurance costs around $73 a month, making it a competitive option for affordable coverage. You can get everything you need to drive legally with Farm Bureau, including optional policies such as collision and comprehensive auto insurance coverage.
Keep reading our Farm Bureau review to learn more about the company’s auto insurance discounts and average costs and find the best Farm Bureau insurance coverage in your area.
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Farm Bureau Insurance Coverage Options
You’ll pay affordable Farm Bureau insurance rates if you only need to meet state auto insurance requirements with Farm Bureau. Affordable liability auto insurance coverage is cheap because it only protects other drivers in at-fault accidents.
Car insurance companies consider many factors when setting rates, such as coverage type, age, gender, location, driving record, vehicle type, and more.
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Check out the list below to see other Farm Bureau insurance coverage types that offer more protection:
- Collision: Collision coverage pays to repair or replace your car after an accident. Find affordable collision auto insurance coverage with Farm Bureau by getting a quote.
- Comprehensive: You can get comprehensive insurance coverage with Farm Bureau, which protects your car against animal collisions, theft, vandalism, and weather damage.
- Personal injury protection: Personal injury protection helps pay for medical expenses resulting from an accident, and finding affordable personal injury protection auto insurance at Farm Bureau is easy.
- Uninsured/underinsured motorist coverage: Uninsured/underinsured motorist coverage pays for vehicle damage and medical bills if a driver with little or no insurance hits you. It also covers you after a hit-and-run. Learn how to find affordable uninsured or underinsured auto insurance coverage with Farm Bureau.
Our Farm Bureau insurance review shows the company sells the coverages necessary to remain street-legal and more. Learn more about the difference between comprehensive vs. collision coverage here.
Farm Bureau Insurance Rates Breakdown
You might wonder how insurers calculate auto insurance rates. Since location affects rates, you should also compare auto insurance quotes by state to find the best deal in your area. Take a look at the table below to see how age affects your auto insurance rates with Farm Bureau insurance vs. State Farm and other companies:
Farm Bureau vs. Top Companies: Monthly Auto Insurance Rates by Age & Gender
Age & Gender Allstate American Family Farm Bureau Farmers Geico Nationwide Progressive State Farm
16-Year-Old Male $638 $509 $568 $773 $312 $476 $814 $349
16-Year-Old Female $608 $414 $560 $810 $298 $411 $801 $311
18-Year-Old Male $519 $414 $462 $629 $254 $387 $662 $284
18-Year-Old Female $448 $305 $413 $597 $220 $303 $591 $229
25-Year-Old Male $190 $147 $102 $180 $93 $150 $146 $111
25-Year-Old Female $181 $124 $98 $172 $97 $136 $141 $101
30-Year-Old Male $176 $137 $95 $167 $87 $136 $136 $103
30-Year-Old Female $168 $116 $91 $160 $90 $124 $131 $94
45-Year-Old Male $160 $117 $73 $139 $80 $115 $105 $86
45-Year-Old Female $162 $115 $78 $139 $80 $113 $112 $86
55-Year-Old Male $152 $111 $70 $131 $76 $109 $100 $82
55-Year-Old Female $153 $109 $74 $132 $76 $107 $106 $82
60-Year-Old Male $154 $105 $67 $128 $74 $104 $95 $76
60-Year-Old Female $150 $104 $64 $120 $73 $99 $92 $76
65-Year-Old Male $157 $114 $72 $136 $78 $112 $103 $84
65-Year-Old Female $158 $113 $76 $136 $78 $111 $109 $84
In addition, you’ll pay higher Farm Bureau insurance prices if you have a DUI, speeding ticket, or accident on your driving record. Check out this table to see how your driving record impacts your auto insurance rates:
Farm Bureau vs. Top Companies: Monthly Auto Insurance Rates by Driving Record
Driving Record Allstate American Family Farm Bureau Farmers Geico Nationwide Progressive State Farm
Clean Record $160 $117 $73 $139 $80 $115 $105 $86
Speeding Ticket $188 $136 $98 $173 $106 $137 $140 $96
Accident $225 $176 $130 $198 $133 $161 $186 $102
DUI $270 $194 $98 $193 $216 $237 $140 $96
Lastly, your credit score and auto insurance quotes also relate. Insurers view drivers with low credit as more likely to miss premium payments and file claims. See how credit affects your Farm Bureau rates in the table below:
Farm Bureau vs. Top Companies: Monthly Auto Insurance Rates by Credit Score
Credit Score Allstate American Family Farm Bureau Farmers Geico Nationwide Progressive State Farm
Excellent $145 $108 $100 $113 $100 $108 $104 $104
Good $168 $125 $117 $129 $113 $125 $121 $121
Average $180 $142 $133 $146 $129 $142 $138 $138
Poor $260 $171 $167 $175 $158 $171 $167 $167
Farm Bureau Insurance Discounts Available
Many Farm Bureau auto insurance discounts are available to help policyholders get cheap coverage. Check out a list of Farm Bureau’s discounts below:
Farm Bureau Auto Insurance Discounts
Discount Name Savings Description
Multi-Vehicle 10%-25% This discount offers savings to customers who choose to insure multiple vehicles under one policy.
Multi-Policy 10%-20% Customers can save on their insurance by bundling auto insurance with other policy types, such as home or life insurance.
Good Student 5%-15% This discount serves as a reward for young drivers who maintain a B average or higher in school.
Safe Driver 10%-25% Individuals with a clean driving record, devoid of accidents or traffic violations, qualify for this discount.
Defensive Driving Course 5%-10% Drivers who have successfully completed an approved defensive driving course are eligible for this discount.
Loyalty 1%-10% As a gesture of appreciation, this discount is offered to long-term policy holders for their loyalty.
Early Renewal 5%-10% Policyholders who renew their insurance policy before its expiration date can enjoy this discount.
Farming Equipment 5%-15% This discount is designed for vehicles predominantly used in farming or other agricultural tasks.
Young Driver Safety 5%-10% Young drivers who have successfully completed a certified safety course can benefit from this discount.
As shown, Farm Bureau policyholders may qualify for various discounts, such as a good student auto insurance discount and a good driver auto insurance discount.
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How Farm Bureau Insurance Ranks Among Providers
While Farm Bureau offers solid auto insurance coverage options, customer service, and claims handling, it won’t be the right choice for every driver. Compare your Farm Bureau quotes against its competitors to find your best deal.
Read and learn more about how to compare auto insurance quotes from multiple companies:
- Farmers Auto Insurance Review
- Geico Auto Insurance Review
- Progressive Auto Insurance Review
- State Farm Auto Insurance Review
- American Family Insurance Auto Insurance Review
Frequently Asked Questions
Is Farm Bureau a good auto insurance company?
Farm Bureau auto insurance is a good company offering affordable rates, various coverage options, and benefits.
Can I buy Farm Bureau auto insurance online?
Unfortunately, you can’t buy a Farm Bureau car insurance policy online.
Is there a fee to cancel Farm Bureau auto insurance?
You likely won’t incur a fee for canceling your Farm Bureau auto insurance coverage.
Is Farmers Insurance the same as Farm Bureau auto insurance?
Farmers and Farm Bureau auto insurance are different companies.
Is Tennessee Farmers Mutual Insurance the same as Farm Bureau car insurance?
Farm Bureau auto insurance, which operates a network of various Farm Bureau branches in multiple states, is the parent company of Tennessee Farmers Mutual Insurance Company. Learn more about what to do when moving to a new state and changing car insurance.
Is Allstate insurance more expensive than Farm Bureau auto insurance?
Allstate auto insurance averages $160 monthly, while Farm Bureau costs around $73/mo.
Does Farm Bureau auto insurance company pay claims quickly?
Generally, insurers such as Farm Bureau pay out claims within 30 days of filing the claim.
Can anyone get Texas Farm Bureau insurance?
You must be a member of the Texas Farm Bureau to get Texas Farm Bureau auto insurance coverage.
How does Farm Bureau insurance compare to others?
Compared to other companies, Farm Bureau offers competitive auto insurance rates and unique policy benefits, such as discounts on rentals and hotels.
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Does Farm Bureau have a good reputation?
Yes, Farm Bureau auto insurance has an A rating from A.M. Best and good customer service.
Is Texas Farm Bureau the same as the main Farm Bureau company?
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