Why Farm Bureau Stands Out as One of America's Top Ranked Auto Insurance Providers

Farm Bureau has established itself as among the highest-rated auto insurance options in the marketplace, earning a 4.4 out of 5-star rating for 2026. However, it’s important to understand that Farm Bureau operates differently from most national insurers—each state maintains its own independent chapter, which means your experience and pricing may vary based on your location. For this overview, we focus primarily on Farm Bureau Financial Services (FBFS), which serves customers across the Midwest and West regions.

Pricing That Sets the Industry Standard

One of the most compelling reasons Farm Bureau ranks highly among consumers is its affordability. The company offers some of the lowest premiums available nationally, making it an attractive choice for cost-conscious drivers.

For full coverage protection, Farm Bureau charges an average of $151 per month, placing it at the lowest tier nationwide and substantially below the national average of $190. When comparing liability-only coverage, the picture is similarly compelling—Farm Bureau’s $90 monthly rate significantly undercuts the national average of $113.

Farm Bureau ties with American Family as the most competitively priced provider in our comprehensive analysis. This pricing advantage persists across different coverage levels, making the company particularly appealing for drivers seeking comprehensive protection without premium costs.

Coverage Options Available Through Your Local Farm Bureau Chapter

Most Farm Bureau chapters provide six standard types of auto insurance coverage, though options may expand depending on your state:

• Liability insurance
• Collision coverage
• Comprehensive protection
• Medical payments or no-fault insurance
• Uninsured and underinsured motorist protection
• Replacement cost coverage

Beyond these standard options, Farm Bureau offers additional features depending on your state. Many chapters provide new car replacement coverage—a valuable benefit for owners of newer vehicles. Rideshare insurance is also available in select markets for drivers who use their vehicles for platforms like Uber or Lyft.

Accident forgiveness availability differs by chapter. For instance, Virginia Farm Bureau allows one at-fault accident to be forgiven per policy, while others like FBFS may not include this feature. Emergency roadside assistance is typically offered as an optional add-on, with 24/7 availability in most states. Coverage varies—for example, Michigan Farm Bureau covers towing up to 15 miles or $300 to the nearest repair facility.

Documented Customer Satisfaction and Repair Quality Rankings

Farm Bureau’s top ranked status is supported by substantial data. The company boasts a three-year NAIC complaint ratio of just 0.137, significantly lower than the industry standard of 1.082. This metric demonstrates exceptional customer service performance and claim handling quality.

The company also earns high marks in CRASH Network’s national repair quality rankings. North Carolina Farm Bureau achieved #1 overall ranking with an A+ rating, while Michigan Farm Bureau ranked #4 with an A- grade, and Farm Bureau Property & Casualty earned #11 with a B+ score. These repair scores reflect the quality of service repair networks available to policyholders.

According to J.D. Power regional satisfaction data, Farm Bureau chapters in Kentucky, Michigan, North Carolina, Tennessee, and Texas score above the national average in customer satisfaction across multiple rating periods.

Comprehensive Discount Programs

Farm Bureau advertises eight distinct discount opportunities, allowing customers to substantially reduce their premiums:

1. Members Choice Bundling - Combine auto with home or other policies for savings
2. Claim-Free Discount - Reward for drivers maintaining a clean record
3. Good Student Discount - Available to full-time students with strong academic performance
4. Safe Young Driver - Helps reduce costs for insuring teenage drivers
5. Low-Mileage Discount - For drivers who operate vehicles less than average
6. Multi-Car Discount - Applied when insuring multiple vehicles under one policy
7. Loyalty Credit - Extended to long-term customers at the same chapter
8. Paid-in-Full Option - Additional savings for upfront premium payments

Farm Bureau conducts an annual “SuperCheck” program designed to identify discounts you may qualify for but haven’t yet claimed—a proactive approach to customer value.

Managing Your Claims: From Filing to Resolution

The claims process at Farm Bureau follows a structured approach, though specific procedures may vary by chapter. Here’s how the process typically works:

Step One: Review Your Coverage Before initiating a claim, confirm what your policy includes. This ensures you understand what will be covered and what your deductible will be.

Step Two: Gather Required Information Collect your policy number, the date of the incident, detailed information about what happened, photos or videos documenting the damage, and information about any other parties involved.

Step Three: Submit Your Claim You have multiple filing options: submit online through your FBFS.com account, contact your local agent directly, or call 800-226-6383. Glass claims are routed separately through Safelite.

Step Four: Work With Your Adjuster Once submitted, an adjuster will be assigned to review your claim and guide you through the remaining steps, providing updates on status and next actions.

Step Five: Receive Your Payment Upon approval, payment is issued according to your policy terms and applicable deductible.

While Farm Bureau doesn’t enforce a strict filing deadline, reporting claims as soon as possible after an incident is recommended. Processing timelines vary by claim type and location. For Michigan Farm Bureau, typical turnaround times include two days for roadside assistance or glass claims, four business days for minor vehicle damage, five days for major damage requiring inspection, and seven days for total loss claims.

Digital Tools and Mobile Access

The Farm Bureau MobileAgent app extends service to policyholders in Arkansas, Colorado, Florida, Louisiana, Mississippi, and South Carolina, offering features including digital ID cards, bill payment options, roadside assistance request, direct agent contact, and claims initiation from your smartphone.

Select states also provide DriveDown, a safe-driving rewards program that reduces your deductible over time based on demonstrated safe driving habits. Since each Farm Bureau chapter operates independently, app availability and features vary by state. If your state isn’t covered by MobileAgent, your local agent can inform you of available digital alternatives.

Current mobile app ratings reflect mixed user experiences—Apple App Store users rate it 2.3 out of 5 stars, while Google Play Store users give it 2.0 out of 5 stars. This represents an area where Farm Bureau lags compared to more established digital-first competitors.

How Farm Bureau Compares to Other Top Insurers

When evaluating Farm Bureau against other highly-rated providers, several distinctions emerge:

Farm Bureau vs. Progressive Progressive charges approximately $205 monthly for full coverage—notably higher than Farm Bureau’s $151 average. However, Progressive offers greater nationwide consistency, a more robust mobile app experience, and broader coverage options across all states. Progressive is better suited for drivers prioritizing mobile convenience and coast-to-coast service standardization, while Farm Bureau appeals to those maximizing savings and valuing localized customer relationships.

Farm Bureau vs. American Family Both companies tie for the lowest pricing in our analysis, each averaging $151 monthly for full coverage. The choice between them often comes down to state availability and local chapter reputation.

What Makes Farm Bureau Among the Most Competitive Options

Farm Bureau’s position as a top ranked provider stems from multiple factors working in concert: exceptionally low complaint ratios, strong repair network rankings in several states, competitive pricing that consistently beats national averages, substantial discount opportunities, and historically strong customer satisfaction in key markets.

However, prospective customers should acknowledge the trade-offs. The state-based operating model means experience varies significantly by location—your local chapter’s service quality, available discounts, and app features may differ from national standards. The mobile app receives notably lower ratings compared to digital-first competitors. Accident forgiveness and certain coverage options aren’t uniformly available across all chapters.

Methodology: How We Evaluated and Ranked Farm Bureau

Our analysis assessed 20 auto insurance providers using a weighted scorecard approach. Here’s how the evaluation breaks down:

Coverage Options (20% of score) We examined the availability of features including new car replacement, GAP insurance, accident forgiveness, and diminishing deductible options.

Average Pricing (40% of score) Utilizing machine learning models trained on data from over 3 million insurance accounts and thousands of policies through Savvy Insurance Solutions, we calculated average monthly premiums for a standardized profile: a 48-year-old policyholder with a 13-year-old vehicle residing in an average-income ZIP code, purchasing full coverage.

Customer Satisfaction (20% of score) This component combined two data sources: NAIC complaint ratios (10% weighting) and CRASH Network repair quality scores (10% weighting).

Discount Opportunities (10% of score) Points were awarded for each type of discount offered to customers.

Mobile App Experience (10% of score) We incorporated average user ratings from both Apple App Store and Google Play Store.

Pricing Data Methodology Unless otherwise specified, all pricing estimates derive from Savvy Insurance Solutions, which operates a nationwide insurance marketplace. Estimates are generated through proprietary machine learning models analyzing over 2 million insurance accounts and thousands of individual policies. The models account for numerous variables including policyholder age, number of vehicles insured, ZIP code location, vehicle age, insurance provider, and other relevant factors. This methodology produces highly granular estimates tailored to individual circumstances such as age, geographic location, and vehicle specifications.