Georgia Farm Bureau insurance review 2024
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At a glance
Score breakdown
Auto
3.3
Cost & ratings
3.5
Coverage
2.5
Support
4.0
Home
3.9
Cost & ratings
3.3
Coverage
4.3
Support
4.5
About Bankrate Score
Bankrate's take
To get a Georgia Farm Bureau insurance policy, you must live in the state and have a Georgia Farm Bureau membership (which costs around $35 per year). It may be a good insurance option for active members and those who are thinking about signing up or looking for a way to support local farmers. However, policy options and digital tools are not as robust as other insurers.
- Only available to Georgia Farm Bureau members in the state of Georgia
- Local agent offices throughout the state
- Roadside assistance included in some car insurance policies
- Hobby farm coverage available
- Term and permanent life insurance options
- Members have access to travel discounts and other rewards
Georgia Farm Bureau car insurance review
Georgia Farm Bureau earned a Bankrate Score of 3.3 out of 5.0 stars. Our insurance editorial team determines Bankrate Scores based on criteria including a provider’s affordability, availability, customer service, financial strength and more. We also assess each insurer’s digital capabilities, such as web tools and mobile apps that enable policyholders to manage their insurance and submit and track claims online.
Georgia Farm Bureau car insurance includes standard coverage options such as collision, comprehensive and uninsured and underinsured motorist. Its Private Passenger Auto policy automatically includes emergency roadside assistance, unlike many car insurance providers that only offer this coverage as an endorsement. There are Georgia Farm Bureau agent offices spread across the Peach State for drivers who prefer in-person service.
Pros and cons of Georgia Farm Bureau car insurance
As with any auto insurer, it’s important to consider the full scope of what a Georgia Farm Bureau auto policy entails. Here are a few benefits and limitations.
Pros
- Local agents available
- Member benefits like travel discounts
- Emergency roadside assistance coverage may be included at no additional charge
Cons
- Average rates unavailable
- Purchasing car insurance requires paid Georgia Farm Bureau membership
- Only available in Georgia
Georgia Farm Bureau car insurance cost
Average rate data is not available for Georgia Farm Bureau. Nationally, car insurance costs $2,458 per year for a full coverage policy, and $678 for minimum coverage. In Georgia, car insurance costs an annual average of $2,876 for full coverage and $1,029 for minimum coverage. Getting familiar with average car insurance costs before you get quotes can help you identify competitive pricing.
Georgia Farm Bureau customer satisfaction
As a part of our Georgia Farm Bureau car insurance review, Bankrate’s insurance editorial team looked at third-party ratings and studies. The carrier is not included in the J.D. Power 2024 U.S. Auto Insurance Study or 2023 U.S. Auto Claims Satisfaction Study. Because Georgia Farm Bureau is not rated, you may want to speak with friends or family members who have used this provider to learn from their experience.
Georgia Farm Bureau auto insurance customer complaints
We also review data from the National Association of Insurance Commissioners (NAIC), which compiles a Complaint Index Report based on how many reports have been filed against an insurer by product type. The baseline of 1.00 indicates the average number of complaints expected for an insurer of comparable size, where an index score below 1.00 means fewer complaints than average. A score above 1.00 means more complaints than average. For the past three years, Georgia Farm Bureau car insurance has received fewer complaints than expected — a green flag in terms of overall customer satisfaction.
Georgia Farm Bureau car insurance discounts
Stacking car insurance discounts is a great way to maximize your savings. These Georgia Farm Bureau discounts may help you get cheaper car insurance:
- Driver training discount: If you complete an approved driving course, you might qualify for a discount.
- Good student discounts: High school and college students who maintain a high GPA may be able to add this discount to their car insurance.
- Safe driver discount: By avoiding at-fault accidents and moving violations, you might earn a discount.
- Multiline discount: Purchasing more than one Georgia Farm Bureau insurance policy may equate to earning a discount.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Georgia Farm Bureau home insurance review
Georgia Farm Bureau home insurance services received a Bankrate Score of 3.9. Though the provider is rated well for financial strength, it has limited availability and few advertised discounts. If a strong local agent presence is more important to you than customizable policies and a long list of discounts, Georgia Farm Bureau may be the right company for you.
Along with standard home insurance coverage types, such as dwelling, personal property, medical payments and other structures coverage, the provider offers a few optional endorsements. These include mechanical breakdown coverage, home business coverage, hobby farm coverage and extended coverage for personal property like jewelry, furs, art and firearms.
Pros and cons of Georgia Farm Bureau homeowners insurance
Below are some advantages and potential drawbacks to consider with Georgia Farm Bureau home insurance policies.
Pros
- Local agents available
- Optional mechanical breakdown coverage
- Local Georgia claims service
Cons
- Membership required
- No replacement cost coverage option
- Few advertised discounts
Georgia Farm Bureau home insurance cost
Georgia Farm Bureau home insurance is relatively affordable compared to the national average. For $300,000 in dwelling coverage, policyholders with Georgia Farm Bureau pay an average of $1,116 per year. Nationally, the same amount of coverage costs $2,304 per year. In the state of Georgia, home insurance costs $2,014 per year on average.
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$150K dwelling
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Georgia Farm Bureau average premium
$730
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National average premium
$1,406
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$300K dwelling
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Georgia Farm Bureau average premium
$1,116
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National average premium
$2,304
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$350K dwelling
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Georgia Farm Bureau average premium
$1,259
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National average premium
$2,571
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$450K dwelling
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Georgia Farm Bureau average premium
$1,529
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National average premium
$3,118
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$750K dwelling
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Georgia Farm Bureau average premium
$2,219
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National average premium
$4,549
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Compare Georgia Farm Bureau homeowners insurance rates
Each home insurance company uses its own underwriting method to determine what you’ll pay for your policy. It’s for this reason most insurance experts suggest comparing home insurance quotes from several providers.
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$1,116
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- $1,188 |
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$1,984
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- $320 |
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$2,289
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- $15 |
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$1,451
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- $853 |
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$2,448
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+ $144 |
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$1,772
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- $532 |
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$3,567
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+ $1,263 |
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$1,698
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- $606 |
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$2,485
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+ $181 |
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$1,871
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- $433 |
Georgia Farm Bureau customer satisfaction
Georgia Farm Bureau was not included in the J.D. Power 2024 Property Claims Satisfaction Study or the 2023 U.S. Home Insurance Study. These studies primarily focus on the companies that dominate a larger slice of the home insurance market; state-specific carriers usually aren’t included. Similar to its home insurance, you may want to speak with someone who has Georgia Farm Bureau home insurance to gain perspective.
Georgia Farm Bureau home insurance customer complaints
Georgia Farm Bureau’s home insurance product has a consistently low NAIC Complaint Index. From 2021 to 2023, the company had fewer complaints than the baseline, which can be a sign of customer satisfaction.
Georgia Farm Bureau home insurance discounts
Outside of a multi-policy discount, the Georgia Farm Bureau website does not detail homeowners insurance discounts. This may be a drawback for those seeking cheap rates. However, a local agent can discuss all available discounts and eligibility requirements for your exact situation.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Georgia Farm Bureau
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Georgia Farm Bureau life insurance review
Life insurance is an integral part of any family’s financial plan. Georgia Farm Bureau offers life insurance products provided by the Southern Farm Bureau Life Insurance Company, including annuities and permanent life and term life insurance policies. However, information regarding policy options is fairly limited and quotes are not available online. To find out more about Georgia Farm Bureau life insurance, you may want to contact an agent directly to see if it is an affordable option for you.
Pros and cons of Georgia Farm Bureau life insurance
Choosing the right life insurance policy is an important part of planning your family’s financial future. After you decide the type of life insurance policy you need, you can weigh the pros and cons of each life insurance company.
Pros
- Permanent life and term life insurance products available
- Level-term whole life policies available
- Lower-than-average number of complaints with the NAIC
Cons
- No universal life products available
- Georgia Farm Bureau does not underwrite its life insurance policies
- Limited availability
Georgia Farm Bureau life insurance riders
Although the website confirms that Georgia Farm Bureau’s life insurance can be personalized with different options, it does not share what riders are available.
Compare life insurance providers quickly and easily
See which provider is right for you.
Whole life insurance combines life insurance with an investment component.
- Coverage for life
- Tax-deferred savings benefit if premiums are paid
- 3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
- Fixed premium over term
- No savings benefits
- Outliving policy or policy cancellation results in no money back
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Georgia Farm Bureau with other insurers
Shopping around with different insurance carriers is one of the best ways to find policies that meet your needs. If Georgia Farm Bureau doesn’t meet all your needs, consider these other insurance companies:
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Featured
Georgia Farm Bureau
3.6
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 3.4Coverage 3.4Support 4.3 |
Farmers
3.7
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 3.3Coverage 4.2Support 3.9 |
Country Financial
4.0
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 3.7Coverage 4.2Support 4.5 |
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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To get a Georgia Farm Bureau insurance policy, you must live in the state and have a Georgia Farm Bureau membership. Purchasing a policy may be economical for active members and a way to support local farmers. However, policy options and online tools are not as robust as those of other carriers.
Read More
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Farmers offers an array of endorsements for both its auto and home insurance policies, which could allow you to build an insurance policy that fits your specific needs. Farmers also has broader availability than Georgia Farm Bureau, selling coverage in all but eight states and Washington, D.C.
Read More
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In addition to personal home and auto insurance, Country Financial also offers coverage for farms and ranches, as well as business and crop investment insurance. Country Financial also offers auto insurance policyholders optional gap insurance, glass coverage, personal property coverage and rental car and trip interruption coverage. An expansive line of life insurance products is available, as well.
Read More
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Roadside assistance
Local agents
Travel discounts
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Variety of car insurance offers
Local agents
Digital tools
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Teen driver discount
Comprehensible home insurance
DriverIQ telematics program
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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| No rates available | $3,403 |
$2,905 |
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J.D. POWER AUTO SCORE
J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| Not Scored |
882/1000 |
Not Scored |
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AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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$1,116 |
$2,672 | $4,302 |
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J.D. POWER HOME SCORE
J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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| Not Scored | 609/1000 |
635/1000 |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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| B++(Good) | A(Excellent) |
A+(Superior) |
Why you can trust Bankrate
Read our full methodologyOur insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Georgia Farm Bureau insurance review.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
Is Georgia Farm Bureau a good insurance company?
Georgia Farm Bureau has a B++ (Good) financial strength rating from AM Best and offers all standard auto and home insurance coverage types. Although few endorsements for car insurance are available, the company does include roadside assistance coverage in its Private Passenger Auto policies — a protection that most insurers only offer for an additional price. As an endorsement to its standard home insurance policies, Georgia Farm Bureau offers hobby farm coverage, also something many insurers do not provide.
Georgia Farm Bureau’s main selling point is its local agent network. It has over 150 offices throughout the state and more than 300 agents on staff. If you’re a Georgia resident looking for a way to support local agriculture, Georgia Farm Bureau may be the right choice for you.
What are real-life customers saying about Georgia Farm Bureau?
To complete our Georgia Farm Bureau insurance review, Bankrate’s editorial staff looked at reviews from real-life customers on Reddit. Granted, Reddit isn’t a review site per se, but some of its forum pages are full of discussions about different insurance companies — Georgia Farm Bureau included. Multiple Redditors called out the company’s personalized service as a major plus, but some sought out other companies when faced with steep renewal rates.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Georgia Farm Bureau company details
You can contact Georgia Farm Bureau a few different ways:
- Customer service: 800-633-5432, Monday through Friday from 7 a.m. – 6 p.m.
- Claims: 855-432-2567
- Roadside assistance: 866-876-7081
- Home and auto insurance quotes: 877-404-1050
- Website: gfbinsurance.com
- Find an agent: gfbinsurance.com/contact
- Customer service email: mbradmin@gfb.org
- Claims mailing address: 1620 Bass Road, P.O. Box 7068, Macon, GA 31209
State availability
Georgia Farm Bureau offers life, auto and home policies only in the state of Georgia.
Georgia Farm Bureau tools and benefits
The following tools and benefits may be reasons why Georgia Farm Bureau insurance is a good fit for the right individuals.
- Home business coverage: Policyholders get more comprehensive coverage for business machinery and equipment that is used/stored in their homes.
- Farm insurance: Financially protects the policyholder’s home and possessions, as well as farm-related property, equipment, structures and tools. Includes liability coverage.
- Hobby farm coverage: Provides additional coverage for owners of small farm operations that may not qualify for standard farm insurance policies.
- Business insurance: Coverage for commercial vehicles.
- Crop insurance: Members in Georgia can also take advantage of this policy to provide financial protection for their crops.
- Ford vehicle cash reward: Georgia Farm Bureau is currently offering an exclusive perk of a $500 cash reward for members who buy or lease eligible new Ford vehicles.
Frequently asked questions about Georgia Farm Bureau
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region.
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 2024 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.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
- 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 and home 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.
What policyholders are saying about Georgia Farm Bureau
Georgia Farm Bureau has 25 reviews
Dive into community reviews below and see what others think about Georgia Farm Bureau.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
recommend this insurer
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
