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Georgia Farm Bureau Insurance review

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Georgia Farm Bureau serves over 300,000 families from across the state of Georgia with a suite of insurance products. The organization dates back to 1937 when it was formed by a group of 50 farmers. Although its roots spread deep throughout the agricultural and farming communities in rural Georgia, membership is available to all Georgia residents.

Georgia Farm Bureau offers a complete range of insurance products for home and auto, with life insurance available through the Southern Farm Bureau organization. Georgia Farm Bureau auto and home insurance may offer drivers and homeowners potential savings through its competitive premiums and discounts.

  • Date established: 1937
  • Insurance products offered: auto and homeowners
  • AM Best financial strength rating: B++ (Good)
  • NAIC complaint index: 02 (higher than the national baseline of 1.0)
  • Availability: Georgia
Pros Cons
Numerous discounts Must purchase Farm Bureau membership
Member benefits, including travel discounts Website has limited policy information
Policies include roadside assistance Lower AM Best rating of B++ (Good), compared to other insurers
Online quote option

Georgia Farm Bureau car insurance

Georgia Farm Bureau may be one of the best car insurance companies for anyone who is a current member of the Farm Bureau or considering membership, which requires a $35 annual fee. Auto policies with Georgia Farm Bureau are only available to residents of the state.

Types of coverage

Georgia Farm Bureau car insurance includes standard coverage types such as liability, collision, comprehensive and uninsured/underinsured motorist. When you purchase a policy, emergency roadside assistance is automatically included, whereas many car insurance providers charge extra for this coverage as an add-on.

Other benefits of Georgia Farm Bureau’s auto insurance policies include its:

  • Local agent network: Georgia Farm Bureau provides service through a network of local agents who live within each community.
  • Digital experience: Policyholders can file claims online or via the mobile app, in addition to utilizing other convenient policy management features.

Cost of Georgia Farm Bureau car insurance

The average annual Farm Bureau premium for minimum coverage is $423, according to rates provided by Quadrant Information Services. The average annual premium for full coverage is $1,512, which is below the national average of $1,674. Although these are the average annual Farm Bureau rates, and not specific to Georgia Farm Bureau, residents of the state may also see similarly competitive rates. The best way to determine rates for you is to work with a local agent who can take you through the quote process and provide exact rates based on your individual coverage needs.

Farm Bureau average annual premiums

Average annual premium for minimum coverage Average annual premium for full coverage
$423 $1,512

Discounts

Georgia Farm Bureau offers an array of discounts to help lower the cost of car insurance. The insurer offers standard discounts, such as multi-policy and good student. It also offers a defensive driver training discount, providing up to a 10% savings on premiums for drivers who take and pass an online course for safe driving.

Policyholders might also be able to take advantage of accident forgiveness if adding this feature to your policy. A licensed agent will be able to review all discounts and programs, including your eligibility.

Georgia Farm Bureau home insurance

Like its auto policies, purchasing homeowners insurance requires that Georgians be a member of the Farm Bureau in addition to being a resident of the state.

Types of coverage

Georgia Farm Bureau offers standard home insurance coverage, such as those for your dwelling, personal property and other structures. However, it also offers a few add-ons that you might not find with other providers.

  • Extended coverage: This offers financial protection for valuables such as jewelry, furs, art and firearms.
  • Mechanical breakdown coverage: This add-on can provide additional coverage towards expenses related to the breakdown of systems and appliances in a home.

Other coverage options exist for those with home business or hobby farms.

Discounts

Some specific homeowners insurance policy discounts are not listed on the Georgia Farm Bureau website. A local agent can discuss all available discounts and eligibility requirements for your exact situation. Homeowners might qualify for discounts such as multi-policy, new construction and new roof, if available for their specific ZIP code.

Georgia Farm Bureau ratings, reviews, customer satisfaction and complaints

Bankrate’s research for this Georgia Farm Bureau insurance review reveals the insurer currently receives a B++ (Good) rating for financial strength from AM Best. Although this is still considered a good rating, it is lower than many other national home and auto insurance companies. It does not currently have an S&P rating, which is another industry provider of credit ratings.

Georgia Farm Bureau also does not currently have a rating in the 2021 J.D. Power insurance studies for home or auto, but it does have a 2.02 customer complaint index rating from the National Association of Insurance Commissioners (NAIC). This is twice the industry standard baseline rating of 1.0, although it is not necessarily unique for a carrier of this size.

For policyholders who prefer to manage coverage or payments via a mobile app, Georgia Farm Bureau’s app currently holds a 3.0 rating in the App Store and a 4.1 rating in the Google Play Store (out of a 5.0 scale).

Reasons Georgia Farm Bureau insurance is a good option

Georgia Farm Bureau may be a good choice for Georgia residents who prefer to work with a local agent closely to personalize their auto or homeowners policy. Although there is an online quote option available, an agent may provide helpful information regarding specifics like coverage or discounts that would be best for your situation. Another advantage Georgia Farm Bureau may offer you is a digital insurance experience, including a mobile app and website for policy management, submitting claims and summoning roadside assistance when needed.

One restriction with this insurer is that you must purchase a membership to the Farm Bureau, although membership is only $35 annually.

Additional policies offered by Georgia Farm Bureau

  • Renters
  • Condo
  • Motorcycle
  • Farm
  • Health
  • Commercial
  • Travel

Frequently asked questions

Does Georgia Farm Bureau offer multiple payment options?

Yes, there are several methods for paying your annual premiums. You can pay either online, by phone, mail, through the mobile app or by visiting a local office. You can also enroll in autopay so you will have one less payment to remember. In some cases, this may even qualify you for an additional discount.

How do I become a member of Farm Bureau?

Membership to the Farm Bureau is open to anyone, as long as they pay the annual membership fee. You can join online or contact a local agent at a Georgia Farm Bureau office. The annual membership cost is $35 per year and includes thousands of discounts and coupons for home, auto and farm equipment, as well as travel.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a cleaning driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.

Written by
Sara Coleman
Former Insurance Contributor
Sara Coleman is a former insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor