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Georgia Farm Bureau insurance review 2025

Updated May 01, 2025
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At a glance

3.5
Rating: 3.5 stars out of 5
Bankrate Score
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Auto

Rating: 3.1 stars out of 5

3.1

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Home

Rating: 3.8 stars out of 5

3.8

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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.

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Pros

  • Local agents available
  • Member benefits like travel discounts
  • Emergency roadside assistance coverage may be included at no additional charge
Red circle with an X inside

Cons

  • Average rates unavailable
  • Purchasing car insurance requires paid Georgia Farm Bureau membership
  • Only available in Georgia
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Georgia Farm Bureau car insurance cost

Average rate data is not available for Georgia Farm Bureau. Nationally, car insurance costs $2,685 per year for a full coverage policy, and $800 for minimum coverage. In Georgia, car insurance costs an annual average of $2,901 for full coverage and $1,013 for minimum coverage. Getting familiar with average car insurance costs before you get quotes can help you identify competitive pricing.

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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.

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Pros

  • Local agents available
  • Optional mechanical breakdown coverage
  • Local Georgia claims service
Red circle with an X inside

Cons

  • Membership required
  • No replacement cost coverage option
  • Few advertised discounts
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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 $1,298 per year. Nationally, the same amount of coverage costs $2,329 per year. In the state of Georgia, home insurance costs $2,009 per year on average.

$150K dwelling
Georgia Farm Bureau average premium
$840
National average premium
$1,370
$300K dwelling
Georgia Farm Bureau average premium
$1,298
National average premium
$2,267
$350K dwelling
Georgia Farm Bureau average premium
$1,469
National average premium
$2,534
$450K dwelling
Georgia Farm Bureau average premium
$1,783
National average premium
$3,066
$750K dwelling
Georgia Farm Bureau average premium
$2,611
National average premium
$4,399

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.

$1,298
- $1,031
$2,088
- $241
$2,206
- $123
$1,254
- $1,075
$2,129
- $200
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Answering a few quick questions to check your availability with Georgia Farm Bureau

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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.

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Pros

  • Permanent life and term life insurance products available
  • Level-term whole life policies available
  • Lower-than-average number of complaints with the NAIC
Red circle with an X inside

Cons

  • No universal life products available
  • Georgia Farm Bureau does not underwrite its life insurance policies
  • Limited availability

Compare life insurance providers quickly and easily

See which provider is right for you.

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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:

Badge Icon Featured

Georgia Farm Bureau

Georgia Farm Bureau
Rating: 3.5 stars out of 5
3.5
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Farmers

Farmers
Rating: 3.7 stars out of 5
3.7
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Country Financial

Country Financial
Rating: 4.3 stars out of 5
4.3
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OVERVIEW
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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
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
STANDOUT FEATURES
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Car Guide Icon
Variety of car insurance offers
Briefcase Icon
Local agents
Online Reviews Icon
Digital tools
Auto Car Icon
Teen driver discount
Home Insurance Guide Icon
Comprehensible home insurance
Car Guide Icon
DriverIQ telematics program
AVG FULL COV. AUTO RATE
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$3,273 $3,199
J.D. POWER AUTO SCORE
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706/1000 Not Scored
AVG HOME RATE
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$2,527 $2,123
J.D. POWER HOME SCORE
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676/1000 Not Scored
AM BEST RATING
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A(Excellent) A+(Superior)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

78

years of industry experience

9

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

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

Reddit User 1*
Aug 22, 2024
High prices
I was a long time customer (Homeowners and Auto) but dropped them about 5 years ago due to high prices and poor customer service. At the end they had switched me over to Progressive for my car insurance because their regular Farm Bureau rates were so high.
Reddit User 2*
Aug 23, 2024
Personalized customer service
I've had GFB homeowners and auto policies for more than 25 yrs. Never had a problem getting claims paid or otherwise. I especially like that I can call my local office (Gwinnett) and talk to the same person each time about any issues I'm having and they have always been quick to help get it resolved.

*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

Rates

Bankrate utilizes Quadrant Information Services to analyze May 2025 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. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied: 

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

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.

50% Cost & ratings
 
30% Coverage & savings
 
20% Support
 
  • Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed 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 National Association of Insurance Commissioners (NAIC). 
  • 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 the discount options listed on each company’s 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 in 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

CTA Georgia Farm Bureau has 50 reviews

Georgia Farm Bureau has 50 reviews

Dive into community reviews below and see what others think about Georgia Farm Bureau.

4.1 Star Icon
50 ratings
80% of consumers
recommend this insurer
Score breakdown
5 stars
48%
4 stars
32%
3 stars
12%
2 stars
2%
1 star
6%
Score by category
Overall rating 4.1 / 5
Original cost 3.7 / 5
Coverage 4.3 / 5
Customer Support 4.1 / 5
Verified Badge Icon How we got these ratings

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

See what users like you are saying about Georgia Farm Bureau.
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Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I like that I can customize my coverage on their app
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I believe when a company is looking after your benefits I'd stay. Also when the company has great staff and resources.
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The cost is not high and they have good deals for multiple cars
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
My family has used this insurance for generations.
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
My benefits are good and I have a low deductible. I have all of the amenities needed with this policy.
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Has been around a long time, but dropped my coverage without a reason.
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 2 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
This is my first insurer. I think they've been doing a good job and the rates are relatively similar to other places I've seen.
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
My claim was processed in just a few days.
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I appreciate their easy-to-use website.
Insurance Type
Home
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
So far the expectations are meeting what was planned. Customer service is forthright and is very polite in answering my concerns.
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 5 / 5
Written by
Natalie Todoroff
Writer II, Insurance
Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.
Edited by Editor, Insurance