Farm Bureau car insurance is a well-established and trusted insurance provider known for its commitment to serving the needs of farmers and rural communities. This introduction sets the stage for an exploration of the benefits and features of Farm Bureau car insurance.
About Farm Bureau Car Insurance
Farm Bureau, primarily an advocate for farm and ranch families, extends its services to offer discounts, resources, and in many places, insurance. To access Farm Bureau auto insurance, one must first become a member, with the cost of membership varying by location.
Spread across all 50 states and Puerto Rico, Farm Bureau’s approach to insurance differs by location. For states like Arizona, Iowa, Kansas, Minnesota, Nebraska, South Dakota, and Utah, auto insurance is provided by Farm Bureau Financial Services (FBFS). Though you can start getting a quote online, you’ll need a local agent to finalize the policy in these states. However, in other states, your local Farm Bureau office or partners like American National or Nationwide provide the insurance. Notably, Washington and Hawaii residents won’t find Farm Bureau insurance options.
The coverage Farm Bureau offers depends on state regulations and might comprise liability, collision, comprehensive, no-fault, and uninsured/underinsured motorist coverage.
Farm Bureau Car Insurance Benefits
Most car insurance companies, including Farm Bureau, offer extra coverage options beyond the basics. It’s wise to ask your local Farm Bureau for available add-ons. Using this list, you can pinpoint coverages that suit your needs.
Accident forgiveness insurance ensures your rates don’t go up after one at-fault accident. Typically, drivers with a clean record for three to five years can qualify for this benefit.
Gap insurance covers the difference between your car’s worth and your remaining loan amount if your car gets totaled in a covered accident.
A diminishing deductible benefit reduces your insurance deductible annually if you drive without incidents. This means, if you eventually file a claim, your deductible might be minimal or even nothing.
New car replacement
If your car gets totaled in a covered accident, new car replacement insurance covers the cost of a brand-new vehicle of the same make and model. Farm Bureau provides this coverage in certain states for cars up to four or five years old.
Usage-based car insurance
Usage-based auto insurance, using a device or app, monitors habits like speed and braking. Drive safely, and you could get a discount. In some states, Farm Bureau calls this Driveology or, in Kentucky, DriveRight Mobile.
SR-22 insurance is for high-risk drivers, like those caught without insurance or with multiple accidents. It’s a certificate, filed with a state, proving the driver has the state’s required liability insurance. In Florida and Virginia, it’s named FR-44, but serves the same purpose.
What Does Farm Bureau Car Insurance Cover?
Farm Bureau auto insurance provides these standard coverages, common among many car insurance companies:
While driving, if you cause damage or injure someone else, liability car insurance covers those costs. However, this coverage doesn’t pay for your personal injuries or damages.
If you have an accident, collision insurance pays for your vehicle’s repairs or replacement, no matter who caused it.
If something like theft, vandalism, or falling objects damages your vehicle, this coverage has you covered, without involving a collision.
Often referred to as PIP or medical coverage, no-fault insurance ensures your and your passengers’ medical bills are covered if injured in an accident, regardless of who’s to blame. While Farm Bureau provides this protection, its availability might differ from one state to another.
Uninsured and Underinsured
If you’re hit by a driver lacking sufficient insurance, uninsured and underinsured coverage steps in to safeguard you and your passengers. This ensures you’re protected even when others aren’t adequately covered.
Classic Car Insurance
Farm Bureau provides insurance for antique and collectible vehicles. But, before securing a policy, you must check if your vintage car meets the necessary criteria.
Additional Options Offered by Farm Bureau Car Insurance
Farm Bureau allows you to enhance your standard car insurance with various optional extras. You can choose from offerings such as roadside assistance, replacement cost coverage, a safe driving program, among others, to tailor your policy to your needs.
With the roadside assistance add-on, you can reach out to Farm Bureau’s claims center for help if you’re stranded. Typically, this service doesn’t incur extra costs, but it’s best to confirm with your local agent.
Replacement Cost Coverage
For those with newer vehicles, the replacement cost coverage is worth considering. This option allows Farm Bureau to replace your vehicle, up to four model years old (or five in some states), without accounting for depreciation.
Young Driver Safety Program
Young drivers often have higher insurance rates. However, with Farm Bureau’s Young Driver Safety Program, those under 25 can get a discount on their premiums after finishing the program.
Farm Bureau’s Driveology is a program that rewards safe driving. When you join, you get a windshield tag and a mobile app to monitor your driving behaviors, like speed and phone use. The better you drive, the higher your score, and the more you save – up to 50% off your premiums. Plus, when you first enroll, you instantly get a 10% discount.
Farm Bureau Car Insurance Discounts
Farm Bureau provides various discounts to help drivers cut down on car insurance costs. However, these might differ based on your location, so it’s wise to chat with a local Farm Bureau agent for specifics. Here are some of the discounts:
- Member’s Choice: Bundle your home and auto insurance for a combined policy with one monthly payment and one deductible.
- Claim-free discount: Stay claim-free for a set period, and you could get a discount. The exact duration varies by state.
- Good student discount: If a student maintains a B average or higher, their parents can benefit from a reduced rate.
- Low mileage discount: Drive less than 7,500 miles annually and qualify for savings.
- Multi-car discount: Insure multiple cars with Farm Bureau and get a discount.
How Much Does Farm Bureau Car Insurance Cost?
Our data shows that the average annual car insurance rate at Farm Bureau is $1,899, which is 23% higher than the national average of $1,547. Although Farm Bureau might not always offer the lowest rates, they tend to be competitive for teen and young adult drivers, as well as those with a speeding ticket or accident in their history. However, remember that your specific rate with Farm Bureau will change based on factors like age, location, driving record, vehicle, and the coverage you choose.
Farm Bureau Rates for Teen Drivers
Teen drivers usually face the highest car insurance rates. However, with Farm Bureau, they often pay much less. On average, teen girls save about $3,643 compared to the national average, while teen boys save around $4,335.
|FARM BUREAU RATE FOR 17-YEAR-OLD FEMALES
|NATIONAL AVERAGE FOR 17-YEAR-OLD FEMALES
|FARM BUREAU RATE FOR 17-YEAR-OLD MALES
|NATIONAL AVERAGE FOR 17-YEAR-OLD MALES
Farm Bureau Rates for Young Adult Drivers
As drivers enter their mid-20s, car insurance rates usually drop due to their increased driving experience. With Farm Bureau, a single 25-year-old woman typically pays around $500 less than the national average, while a single 25-year-old man saves about $600.
|FARM BUREAU’S RATE FOR 25-YEAR-OLD FEMALES
|NATIONAL AVERAGE FOR 25-YEAR-OLD FEMALES
|FARM BUREAU’S RATE FOR 25-YEAR-OLD MALES
|NATIONAL AVERAGE FOR 25-YEAR-OLD MALES
Farm Bureau Rates for Adult Drivers
Surprisingly, married 35-year-olds often pay higher car insurance rates with Farm Bureau compared to younger drivers. Our data shows that both male and female in this age group face annual rates that notably exceed the national average.
|FARM BUREAU’S RATE FOR 35-YEAR-OLD FEMALES
|NATIONAL AVERAGE FOR 35-YEAR-OLD FEMALES
|FARM BUREAU’S RATE FOR 35-YEAR-OLD MALES
|NATIONAL AVERAGE FOR 35-YEAR-OLD MALES
Farm Bureau Rates for Senior Drivers
Contrary to the norm where senior drivers usually enjoy lower rates, Farm Bureau’s rates tell a different story. Married 60-year-old drivers, both male and female, tend to pay above the national average by approximately $300 for women and $400 for men.
|FARM BUREAU’S RATE FOR 60-YEAR-OLD FEMALES
|NATIONAL AVERAGE FOR 60-YEAR-OLD FEMALES
|FARM BUREAU’S RATE FOR 60-YEAR-OLD MALES
|NATIONAL AVERAGE FOR 60-YEAR-OLD MALES
Farm Bureau Rates After a Speeding Ticket
If you get a speeding ticket, you can usually expect your car insurance rate to rise. But with Farm Bureau, it’s a bit different. On average, a Farm Bureau client with a single speeding ticket might end up paying around $250 less than the typical national rate.
|FARM BUREAU’S RATE AFTER ONE SPEEDING TICKET
|NATIONAL AVERAGE AFTER ONE SPEEDING TICKET
Farm Bureau Rates After an Accident
If you have an accident, your insurance rates typically go up. But with Farm Bureau, drivers with one accident on their record might find some relief. On average, they pay about $300 less annually than the national average.
|FARM BUREAU’S RATE AFTER ONE ACCIDENT
|NATIONAL AVERAGE AFTER ONE ACCIDENT
Farm Bureau Rates After a DUI
A DUI conviction usually leads to a significant hike in insurance premiums. With Farm Bureau, drivers with a DUI might see their rates increase by around $180 annually compared to the national average.
|FARM BUREAU’S RATE AFTER ONE DUI
|NATIONAL AVERAGE AFTER ONE DUI
Farm Bureau Rates for Drivers with Poor Credit
Many drivers might be surprised to learn that their credit score can affect their car insurance rates. Although Farm Bureau’s average annual rate is slightly lower than the national average due to credit considerations, the difference isn’t as substantial as in other areas.
|FARM BUREAU’S RATE FOR DRIVERS WITH POOR CREDIT
|NATIONAL AVERAGE FOR DRIVERS WITH POOR CREDIT
How to Buy Car Insurance from Farm Bureau
You can usually start getting a quote online, either through the FBFS or a state federation’s site. But to finalize a policy, you’ll need to work with a Farm Bureau agent. They’ll guide you, address your questions, and stay your main contact throughout your policy’s term.
Other Insurance Offered by Farm Bureau
Farm Bureau provides various insurance options, though they differ by state and subsidiary. Typically, most Farm Bureaus offer the following choices:
- Business insurance
- Condo insurance
- Farm or ranch liability insurance
- Farm vehicle insurance
- Health insurance (including disability and long-term care insurance)
- Homeowners insurance
- Life insurance (term, whole, and indexed universal life)
- Livestock revenue insurance
- Mobile home insurance
- Motorcycle insurance
- Property insurance
- Renters insurance
- RV insurance
- Umbrella insurance
Farm Bureau car insurance: Pros & Cons
- Low volume of auto insurance complaints to state insurance departments.
- Competitive auto insurance rates in many states.
- Offers young driver safety course discounts in some states.
- High grades for collision repair among evaluated Farm Bureaus.
- Membership benefits include entertainment, hotel, shopping, and farm equipment discounts.
- Membership grants voting rights on policies influencing rural communities and farms.
- Farm Bureau car insurance is unavailable in every state.
Frequently asked questions about Farm Bureau
Is Farm Bureau insurance sustainable?
Farm Bureau actively backs local communities by sponsoring and donating to projects that focus on families, youth, education, and health. They especially value efforts that promote wellness. Every quarter, they assess donation requests from non-profit organizations in states like Arizona, Idaho, Iowa, and others. If you’re part of a non-profit in these regions, consider reaching out for support.
How can I file a claim with the Farm Bureau?
To report a claim with Farm Bureau Insurance, you can reach out to your local agent, dial a toll-free hotline, or file online. However, the most effective method to file a claim often depends on the specific Farm Bureau handling your policy.
Is Farm Bureau insurance available in my state?
Farm Bureau Insurance partners with insurance companies across numerous states, providing products in every state except Alaska and Hawaii. While many of these affiliates are state Farm Bureaus, some aren’t. Instead, certain Farm Bureaus, like the Illinois Farm Bureau, team up with private carriers, such as Country Financial, to offer coverage.
Farm Bureau car insurance is a popular choice among many drivers due to its reputation for personalized customer service and competitive rates. With a strong presence in rural areas, it offers policies tailored to the specific needs of farmers and rural residents, making it a reliable option for those seeking comprehensive auto insurance coverage.