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This auto insurer is a good fit for: Drivers who have always wanted to design their own policy.
Farm Bureau premiums tend to run at, or just above, the national averages for all insurance companies. Where the insurer shines is coverage for young drivers, with rates nearly 29% lower than the national average.
Farm Bureau discounts do not tend to be unique, but they are easy to qualify for. For example, there are discounts available for bundling insurance products, loyalty, and claim free discounts.
With an overall "A" rating from A.M. Best, one of the biggest perks of Farm Bureau is the company's financial security. Another is that customers have access to a dedicated, local agent.
According to the J.D. Power 2021 U.S. Auto Insurance Study, Texas Farm Bureau was rated the No. 1 best Texas car insurance.
Through its Driveology program, you can earn discounts on your auto rates. A small, plug-in app collects information about your driving habits and uses those habits to determine your premiums.
Not only has Farm Bureau been around for nearly a century, but the company continues to do business from a position of financial strength. It's important to know your insurance company can cover your losses when you need it to.
Since Farm Bureau underwrites policies in a limited number of states and depends on subsidiaries in others, customer experiences may vary. For example, according to the J.D. Power 2021 U.S. Auto Insurance Study, Texas Farm Bureau was the highest ranking auto insurance in Texas for the 10th consecutive year. While that's a great accomplishment, it may not be duplicated in all 50 states.
If you want to easily file claims from your phone: Progressive's smartphone app allows customers to do their business directly from their phones, a feature not offered by Farm Bureau. This includes filing claims and making payments. Plus, its discounts save drivers an average of $130 per year. Progressive is also a good option for drivers with a single DUI looking for affordable coverage. If you want a dedicated local agent, though, you'll want to stick with Farm Bureau.
If you're looking for another company with deep discounts: Geico's low rate routinely beats Farm Bureau's. In addition to low rates, Geico offers some of the best customer service in the business, which is one reason Geico customers tend to stick around. In fact, 88% of Geico customers say they would recommend the car insurer to a friend. However, only Farm Bureau offers an annual membership that includes access to hundreds of discounts on everyday products. Geico can't do that for you.
Based on our research, these are the current monthly premiums for four different personas:
|35y, female, clean record||35y, male, clean record||35y, female, one accident||18y, male, clean record|
There are many ways to land a discount with Farm Bureau Insurance, including:
Farmers Bureau's wide range of coverage types include:
A wide-range of coverage types allows policyholders to mix and match. They include:
According to the J.D. Power 2021 U.S. Auto Insurance Study, Texas Farm Bureau was rated the No. 1 auto insurer in Texas. In addition, the company has an overall "A" rating from A.M. Best for financial security.
Farm Bureau is best suited for people who:
Other insurance companies to consider are Geico if you want lower rates or State Farm if you're looking for another company with dedicated, local agents. Remember, though, Geico does not offer local agents and State Farm can't give you the same low, young driver rate as Farm Bureau.
Farm Bureau and its subsidiaries have been in the insurance game for decades and offer a broad array of coverage options. Still, it’s not the only insurance company in town. If you're not sure which insurer fits you best, check out our list of the best car insurance companies.
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