Farm Bureau Insurance review 2025

Coverage types and details will vary based on the Farm Bureau branch you are working with. For more specific information, we recommend you visit your Farm Bureau's website or contact your insurance agent. The Michigan Farm Bureau offers replacement cost coverage and roadside assistance as optional endorsements, while the Colorado Farm Bureau offers glass coverage, equipment buyback coverage and rental expense coverage.

Pros and cons of Farm Bureau car insurance

Part of researching car insurance companies is to find which carriers might be the best fit for your needs. To round out this Farm Bureau insurance review for car insurance, it may be helpful to consider these pros and cons:

If you are looking for home insurance coverage, you may want to get a quote from your state's Farm Bureau. Although coverage options and details will vary based on your state bureau, most bureaus offer standard home insurance policies with a few options for customization, and it could be a good choice for homeowners looking for solid, basic coverage.

Pros and cons of Farm Bureau homeowners insurance

Choosing a homeowners insurance company can seem difficult, especially when it comes to comparing multiple carriers. Here’s a quick summary of the pros and cons of Farm Bureau home insurance:

Farm Bureau life insurance options vary based on the branch you're working with, but many bureaus offer several types of life insurance, such as term life, whole life and indexed universal life insurance.

While life insurance rates don’t typically vary as much between different insurance providers as other types of insurance products, you may still want to shop around with the best life insurance companies to make sure the product you purchase fits your situation. Requesting quotes from more than one carrier can help you learn what options are available to you.

Searching for the best insurance company means finding the one that fits all your needs. If you’re unsure about Farm Bureau, you may want to consider these alternatives:

Farm Bureau Insurance vs. Erie

As another regional carrier, Erie may be a good fit for those who want a local option for their home, auto and life insurance needs. Similar to Farm Bureau, Erie also offers another life insurance option for flexibility. Its ERIExpress life program is intended for individuals aged 18-55 and may not require a medical exam.

Learn more: Erie Insurance review

Farm Bureau Insurance vs. Safeco

Safeco is a more widely available carrier compared to Farm Bureau and also offers auto and home insurance. Its auto insurance comes with optional add-ons like new vehicle replacement, diminishing deductibles and a unique claims free cash back program that rewards drivers up to 2.5 percent of their policy premium every six months they don’t have an accident.

Learn more: Safeco Insurance review

Farm Bureau Insurance vs. New Jersey Mutual (NJM)

New Jersey Mutual Insurance (NJM) only offers coverage for home and auto insurance in Connecticut, Maryland, New Jersey, Ohio and Pennsylvania. However, it could be the right fit for those who don’t live within Farm Bureau’s coverage areas but still want to find a regional carrier to meet their insurance needs.

Many Farm Bureau home, auto and life insurance policies come with a variety of attractive discounts and coverage add-ons to help customers personalize their own policy. Additionally, Farm Bureau policies may be specifically tailored to your region, and bureau membership may come with added perks and benefits.

However, Farm Bureau’s average home rates are higher than the national average, which may not make it an attractive option for shoppers on a budget. Ultimately, we recommend investigating your local bureau's coverage options, discounts and customer service metrics for more information.

What are real-life customers saying about Farm Bureau?

Gathering insights from real-life customers offers a broad overview of the Farm Bureau insurance experience. We've sourced firsthand accounts from Reddit and ConsumerAffairs where users actively share their experiences with insurance companies.

Reddit

Reddit discussions on Farm Bureau Insurance reveal a spectrum of customer experiences. On one end, some users express frustration with agent responsiveness, particularly when it comes to handling policy inquiries and claims. Conversely, others commend their agents for exceptional service, highlighting prompt callbacks and effective communication as key strengths.

ConsumerAffairs

Feedback on ConsumerAffairs paints a varied picture of Farm Bureau's services as well. Some policyholders appreciate the seamless integration of multiple policies and the convenience of automatic payments, highlighting clear communication and understandable answers regarding policy options and coverage. However, there are grievances, particularly in the life insurance domain, where beneficiaries describe the claims process as stressful and customer service as lacking in empathy and professionalism.

Farm Bureau company details

Contact information for Farm Bureau Insurance will depend on which state branch you work with. This list of state Farm Bureaus may help you get started.

State availability

Most states offer Farm Bureau coverage or affiliated coverage through a state Farm Bureau. Hawaii and Alaska are the only states that do not offer affiliated coverage through a Farm Bureau branch.

Farm Bureau Insurance tools and benefits

Farm Bureau offers more than just home, auto and life insurance. Here’s a sampling of the other benefits Farm Bureau members may be able to access depending on their location:

• Financial planning: This includes planning for investments, college, retirement, estate and more.
• Farm and ranch insurance: Farm Bureau got its start insuring farmers and ranchers and continues to insure them today.
• Business insurance: If you run your own business, it may be worthwhile to check out Farm Bureau’s offerings.
• Various member benefits: Farm Bureau members can receive savings like hotels, pharmacies, rental cars, farm equipment and even theme parks. Additionally, members can take part in several programs, like competitive events for young farmers and ranchers, and participate in advocacy.

Frequently asked questions about Farm Bureau

Bankrate utilizes Quadrant Information Services to analyze March 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 

Auto

Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Homeowners

Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

• Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.