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Farm Bureau Auto Insurance

in Auto Insurance from Farm Bureau Insurance

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Farm Bureau Auto Insurance

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in Auto Insurance from Farm Bureau Insurance

Net Recommendation Score +50

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Financial Strength Rating A

Farm Bureau Auto Insurance Review

Farm Bureau Insurance is an insurance carrier based in West Des Moines, IA. The company was founded in 1939 and offers auto insurance in 8 states in the USA.

If you're considering whether Farm Bureau Auto Insurance is a good option for you, read on.

Farm Bureau Auto Insurance Pros & Cons
Pros Cons
  • 24/7 Phone availability
  • Locally available agents
  • Digital claims reporting
  • Emergency roadside service
  • Rental car coverage
  • No free policy cancellation
  • No accident forgiveness
  • No ridesharing coverage
  • No transport trailer coverage
  • No travel expenses or trip interruption coverage
  • Does not offer many vehicle equipment discounts
Farm Bureau Auto Insurance FAQ

What types of auto insurance coverage does Farm Bureau Auto Insurance offer?

Although we often talk about auto insurance in the singular, it really includes several types of coverage. Farm Bureau Auto Insurance offers the following types of auto insurance coverage:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most policies will also cover funeral expenses.
  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

Farm Bureau Auto Insurance customers can also add the following riders or endorsements to their policies:

  • Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
  • Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
  • Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does Farm Bureau Auto Insurance have roadside assistance?

Emergency Roadside Service available. Yes, Farm Bureau Insurance offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does Farm Bureau Auto Insurance offer ridesharing insurance?

No, Farm Bureau Auto Insurance does not offer ridesharing coverage as a rider or endorsement.

What benefits does Farm Bureau Auto Insurance offer?

Farm Bureau Auto Insurance offers the following benefits to its customers:

  • 24/7 Phone Availability: Customer service is staffed around the clock.
  • Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
  • Digital Claims Reporting: Never fax or mail a document again.
  • Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.

What discounts does Farm Bureau Auto Insurance offer?

When you ask for a quote with Farm Bureau Auto Insurance, make sure you ask for all the discounts you qualify for. These are the discounts currently available that are specific to auto insurance.
  • Low Annual Mileage: If you don't put many miles on your car (typically under 15,000 miles a year) you may qualify for a discount.
  • Telematics Device (Usage-Based Insurance): You can qualify for a discount if you agree to install a sensor that records your driving habits.

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Farm Bureau Auto Insurance.

How does Farm Bureau Insurance calculate rates?

Auto insurance companies guard their risk-assessment algorithms as a trade secret, and Farm Bureau Insurance is no exception. However, you can be confident that Farm Bureau Auto Insurance will take into consideration your driving record, age, gender, marital status, and address.

Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.

Does Farm Bureau Auto Insurance use your credit score?

It is safe to assume that, when legal, auto insurance companies will use your credit score as a rating factor. There are two exceptions.

  1. If you live in California, Hawaii, or Massachusetts, auto insurance companies are not allowed to use your credit report as a rating factor.
  2. There are also a handful of auto insurance companies that base their rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

How can I get a Farm Bureau Auto Insurance quote

  • Visit the Farm Bureau Insurance website.
  • Fill in the insurance quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
  • Check the information is accurate and submit your application.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   5400 University Avenue
    West Des Moines, IA 50266
  •   Visit Site

Other Services by Farm Bureau Insurance

Message From Our Editor

What We Love About Farm Bureau Auto Insurance

The auto insurance from Farm Bureau includes bodily injury liability, medical or no-fault coverage, property damage liability, replacement cost, collision, comprehensive, and underinsured and uninsured. It covers a lot of things that consumers are looking for. This auto insurance also comes with many discount opportunities for students, safe drivers, low mileage drivers, and others. Farm Bureau also has recreational vehicle insurance, farm vehicle insurance, and motorcycle insurance available.

What Could Farm Bureau Do Better?

Farm Bureau doesn’t offer coverage in many states so many consumers cannot use their policies. Also, the application process takes into account a variety of things so applying is the only way to be sure about what rates you will get with this auto insurance. Some of the eligibility information used includes your previous claims, past driving record, and credit report. It also takes into account the members of your household both now and in the past.

Farm Bureau Backstory

Founded in 1939 by the Iowa Farm Bureau, Iowa Farm Mutual Insurance Company began life offering liability insurance to farmers. In the decades since then, the company has changed names to Farm Bureau Financial Services and offers auto insurance, life insurance, and home and property insurance.

The Verdict

Farm Bureau might be the right insurance option for some people in the states where it is available. However, many will find it’s not provided in their state. Even if it is, it’s a good idea to consider all of the options to ensure the best rates and highest level of coverage. Getting quotes from at least three other companies can help you cover your bases.

Before choosing auto insurance from Farm Bureau, make sure it is available in your state and offers a good rate. If you are ready to shop for auto insurance providers, click here to see ratings and reviews.

Availability

  Available in 8 states
  • Arizona
  • Iowa
  • Kansas
  • Minnesota
  • Nebraska
  • New Mexico
  • South Dakota
  • Utah

Feature Breakdown

Policy Discounts
  • Claims Free
  • Young Driver Training
  • Multiple Policy
  • Loyalty / Long-Term Customer
  • Good Student
Vehicle and Equipment Discounts
  • Low Annual Mileage
  • Telematics Device (UBI)
Liability Vehicle Insurance
  • Bodily Injury Coverage
  • Property Damage Coverage
  • Uninsured Motorist
  • Underinsured Motorist
Medical Vehicle Insurance
  • Medical Payments Coverage
  • Personal Injury Protection
Vehicle Coverages
  • Comprehensive
  • Collision
Financial Strength Rating A
Carrier Features
  • 24/7 Phone Availability
  • Locally Available Agents
  • Digital Claims Reporting
  • Mechanical / Auto Body Repair Network

Farm Bureau Auto Insurance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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