Farm Bureau is one of the most unique insurance companies in the U.S. It’s not a typical national brand like State Farm or GEICO — instead, it operates through state-level bureaus, offers highly localized pricing, and requires a membership to even get a quote.

So the real question for 2025 is simple:

Is Farm Bureau auto insurance actually worth it?

And more importantly… how much does it really cost?

Below is the most complete and beginner-friendly breakdown online — prices, discounts, coverages, pros, cons, and who gets the best rates.

What Makes Farm Bureau Different?

Farm Bureau operates like a hybrid between a private insurer and a membership organization.

That means:

• You must buy a membership first
  
  

• You get access to exclusive rates
  
  

• Prices are heavily influenced by your local state Farm Bureau
  
  

• Customer service varies by state, not nationwide
  
  

This structure is exactly why some drivers get massive savings, while others get average-priced quotes.

Farm Bureau Auto Insurance Pricing (2025 Estimates)

Rates vary by state, but Farm Bureau consistently lands among the lowest 5–7 insurers in rural and suburban areas.

Typical monthly averages:

Driver Type

Monthly Rate

Notes

Safe Driver (30 y/o)

$95–$135

Well below national average

Young Driver (18–21)

$180–$280

Cheaper than Allstate/Progressive

Driver With 1 Accident

$150–$220

Competitive forgiveness system

Driver With Poor Credit

$160–$260

Lower increase than national brands

Takeaway:

Farm Bureau is one of the best insurers for drivers with clean records and one of the cheapest for young drivers in states where it operates.

Coverage Options (What’s Actually Included)

Farm Bureau offers all standard auto insurance coverage types:

• Liability
  
  

• Comprehensive
  
  

• Collision
  
  

• Medical Payments
  
  

• Uninsured/Underinsured Motorist
  
  

• Personal Injury Protection (in select states)
  
  

But where they shine is in their optional add-ons, including:

✔ Accident Forgiveness

Most companies make you wait 3–5 years. Farm Bureau offers it sooner if you’re claim-free.

✔ Replacement Cost Coverage

If your car is totaled, they replace it with a brand new one of the same model year.

✔ $0 Deductible Windshield Repair

A hidden gem — many rural drivers swear by it.

✔ Roadside Assistance

Often cheaper and more responsive than AAA.

Farm Bureau Discounts (Where People Save BIG)

Farm Bureau is known for offering unusually generous discounts:

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1. Safe Driver Discounts

Stackable savings for being claim-free.

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2. Good Student Discounts

Huge savings for high school & college drivers with a 3.0+ GPA.

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3. Multi-Policy Discount

If you bundle auto + home + life, Farm Bureau becomes one of the lowest-priced insurers in your entire state.

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4. Low Mileage / Farm Use Discounts

This is unique — perfect for rural drivers.

Pros & Cons (Realistic Breakdown)

Pros

• Extremely competitive rates in rural and suburban states
  
  

• Cheaper than State Farm and Allstate in most areas
  
  

• Amazing local agent relationships
  
  

• Exclusive discounts
  
  

• Great claims handling in many states
  
  

• Strong roadside assistance program
  
  

Cons

• Not available in every state
  
  

• No online quotes
  
  

• You must buy a membership first
  
  

• Customer experience varies depending on your state bureau
  
  

Who Gets the Best Rates With Farm Bureau?

Farm Bureau is ideal for:

• Safe drivers
  
  

• Families
  
  

• Young drivers with good grades
  
  

• Homeowners bundling auto + home
  
  

• Rural and suburban residents
  
  

• Drivers who want a long-term local agent
  
  

If that describes you, Farm Bureau is typically top 3 cheapest in your state.

Farm Bureau vs Other Popular Insurers

Farm Bureau vs State Farm

• Cheaper for safe drivers
  
  

• Better local service
  
  

• State Farm has better tech/online tools
  
  

Farm Bureau vs Allstate

• MUCH cheaper
  
  

• Faster claims in most states
  
  

• Allstate only wins for mobile app features
  
  

Farm Bureau vs GEICO

• Farm Bureau is more consistent
  
  

• GEICO is cheaper for urban drivers
  
  

• GEICO wins for app experience
  
  

Is Farm Bureau Auto Insurance Worth It in 2025?

Yes — if you live in a Farm Bureau state, it’s one of the best values on the market.

You’ll need a membership, but the savings + personalized local service can easily outweigh the cost.

Farm Bureau especially shines for families, young drivers, safe drivers, and anyone bundling home + auto.

Final Verdict

If you can get Farm Bureau in your state, it should absolutely be on your quote list.

Most drivers end up saving money — even compared to GEICO and State Farm — and the local agent support is a major bonus.