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Farm Bureau Auto Insurance Review: Allowing Drivers to Mix and Match Coverage Options

Review Updated
Dana George
By: Dana George

Our Insurance Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

This auto insurer is a good fit for: Drivers who have always wanted to design their own policy.

Farm Bureau

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Best for claims handlingFarm Bureau
Rating image, 4.50 out of 5 stars.
4.50 stars
Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Farm Bureau Car Insurance Snapshot


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.

Customer Service

According to the J.D. Power 2021 U.S. Auto Insurance Study, Texas Farm Bureau was rated the No. 1 best Texas car insurance.

READ MORE: Types of Car Insurance Coverage: Which Do You Need?

Full Farm Bureau review


  • Established, trusted business, with more than 90 years of service under its belt
  • Wide range of coverage options that make it easy to customize a policy
  • Customer service has a reputation for professionalism
  • "A" rating with A.M. Best for financial strength


  • No way to make online claims
  • Must pay an annual fee for a Farm Bureau membership
  • Underwrites its own policies in a limited number of states. In other states, it's a Farm Bureau subsidiary that provides coverage.
  • Level of service may vary, depending on the state and subsidiary

Farm Bureau auto insurance at a glance

Monthly premium costs:

  • 35-year-old female with clean driving record: $199
  • 35-year-old male with clean driving record: $190
  • 35-year-old female with one accident: $271
  • 18-year-old-male with clean driving record: $356

Coverage options:

  • Liability
  • Collision
  • Comprehensive
  • Medical
  • No-Fault
  • Uninsured
  • Underinsured
  • Replacement cost
  • Roadside assistance

Top perks

The better you drive, the more you save

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.

Financially sound

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.

What could be improved

Experience may vary

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.

Alternatives to consider

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.

Monthly premium costs

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
$199 $190 $271 $356
Source: The Ascent's analysis of standardized personas

Discounts available

There are many ways to land a discount with Farm Bureau Insurance, including:

  • Driveology discount
  • Claim free discount
  • Good student discount
  • Safe young driver discount
  • Low mileage discount
  • Bundling discount
  • Loyalty discount

Coverage options

Policy types

Farmers Bureau's wide range of coverage types include:

  • Auto insurance
  • Motorcycle insurance
  • Farm vehicle insurance
  • Recreational vehicle insurance
  • Homeowners insurance
  • Condo insurance
  • Renters insurance
  • Mobile home insurance
  • Life insurance (including term, universal, and whole life)
  • Residential equipment insurance
  • Long-term care insurance
  • Farm and ranch insurance
  • Commercial business insurance
  • Home-based business insurance
  • Disability income insurance

Coverage types

A wide-range of coverage types allows policyholders to mix and match. They include:

  • Liability
  • Collision
  • Comprehensive
  • Medical
  • No-Fault
  • Uninsured
  • Underinsured
  • Replacement cost
  • Roadside assistance

Customer service and ratings

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.

This auto insurer is best for:

Farm Bureau is best suited for people who:

  • Have safe driving habits
  • Want to bundle insurance products
  • Desire a dedicated local agent

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.

Our Insurance Expert