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Missouri Farm Bureau Insurance review

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The Missouri Farm Bureau was founded by a group of local farmers and has grown to include a local agent within every county of Missouri and corporate headquarters in Jefferson City. Bankrate’s Missouri Farm Bureau review finds the carrier to offer a full range of auto, home and life insurance policies and many other specialty policies. Drivers and homeowners who choose a Missouri Farm Bureau policy have access to a variety of coverage options and discounts that rival in number with large national carriers. The company is owned by the Missouri Farm Bureau Federation and you must become a member in order to access the insurance products. The membership is only $30 per year and includes discounts on a large number of products.

Missouri Farm Bureau car insurance

Missouri Farm Bureau car insurance relies completely on a strong agent network. If a driver needs to get a quote or purchase a new policy, they can go through a local agent.

Types of coverage

Missouri Farm Bureau offers the standard auto insurance coverage, plus optional ones to further enhance a policy.

  • Liability: This pays for expenses related to medical treatments and property damage for the other driver if you are involved in an auto accident.
  • Medical payments: This pays towards medical expenses for you and your passengers regardless of who is ruled at fault in an accident.
  • Uninsured/underinsured motorists: Provides payment towards expenses if you are involved in an accident with a driver who does not have any insurance or carry enough.
  • Collision: Covers damage to your own vehicle as a result of a collision with another car or object.
  • Comprehensive: Referred to as “other than collision,” this coverage is for damage to your own vehicle from something other than an accident or colliding with an object. Common examples include flooding, hail damage, animals or vandalism.
  • Optional coverage: Including accidental death benefits, emergency roadside assistance, transportation and travel expenses, loss of personal property, new vehicle replacement cost for total loss and electronic equipment.

Cost of Missouri Farm Bureau car insurance

For this Missouri Farm Bureau insurance review, Bankrate analyzed up-to-date carrier rates pulled from Quadrant Information Services. The average annual premium for full coverage with this carrier is $1,504 per year, which is below the national average of $1,674 per year for the same policy. When selecting an auto insurance carrier, one of the best methods is to shop around with multiple carriers to compare quotes and coverage options.

Average annual premium for minimum coverage Average annual premium for full coverage
$335 $1,504


Missouri Farm Bureau auto insurance offers a variety of ways to save by making multiple discounts available to policyholders. Additional savings on auto insurance may apply with the following discounts:

  • Multi-vehicle: If you insure more than one vehicle on the same policy, you could save up to 10%.
  • Total account: If you combine a qualifying auto, home, farm or commercial property insurance policy, you could save up to 7.5%.
  • Good student: If you are 16-24 years old, you could save up to 20% for being a full-time, unmarried student and maintaining good grades.
  • Passive restraint: This discount may apply if your vehicle is equipped with safety features, such as air bags.
  • Accident-free: You could save up to 20% on premiums if you have been accident-free for at least three years.
  • Preferred driver: If you’re over 21 and have been accident-free for five years and violation-free for three years, you could qualify for a Preferred Driver discount.
  • Occupational: Missouri Farm Bureau has an extensive list of employees who qualify for savings, including law enforcement officers.
  • E85/Hybrid: If your vehicle is an ethanol fuel or hybrid model, you could qualify for savings.

Missouri Farm Bureau home insurance

Like the auto insurance category, Missouri Farm Bureau offers a full range of home insurance coverage options.

Types of coverage

Missouri Farm Bureau home insurance offers the following options:

  • Dwelling: This offers financial protection for your home and any attached structures if it is damaged by fire, wind, theft, hail and other covered perils.
  • Personal property/contents: This offers financial protection for repairing or replacing contents inside your home or covered structure.
  • Other structures/outbuilding: This coverage is for selected structures, such as a fence or shed, and is included on most standard home insurance policies.
  • Extra expense: This coverage pays towards necessary living expenses while your home is uninhabitable due to damage from a covered peril event.
  • Liability: This coverage is for bodily injury payments in case someone is hurt on your property. It can also cover court costs related in case of a lawsuit for the accident.
  • Medical payments to others: If someone is hurt as a result of an accident on your property, this helps pay medical, surgical, dental and hospital expenses related to the accident.

Missouri Farm Bureau also has a long list of coverage options for you to consider, like scheduled personal property and increased money coverage.


Policyholders have multiple ways to save on their Missouri Farm Bureau home insurance with a variety of discounts, including:

  • New home discount: If your home was constructed in the last several years, you could save up to 40% with a new home discount.
  • Renovation discount: If you have updated your home’s electric, plumbing, heating and roofing within the last five years, you could save up to 20%.
  • Protective systems discount: You could save up to 10% if your home is equipped with burglary and fire alarms.
  • Urban custom home discount: If your home is over 50 years old and located within the city limits and you have completely updated all systems to meet current construction standards, you could save up to 40% with this discount.

Missouri Farm Bureau life insurance

Missouri Farm Bureau also offers life insurance and retirement account options for members.

Types of policies offered

  • Term life: Provides a payout to beneficiaries if a death occurs during a specified term. The terms are available in multiple options, typically 10, 20 or 30-year options.
  • Whole life: Provides guaranteed premiums and death benefits as long as premiums are paid. It also builds a cash value so you can borrow against it if necessary.

Missouri Farm Bureau ratings, reviews, customer satisfaction and complaints

Missouri Farm Bureau falls under the Farm Bureau umbrella of companies, which AM Best highlights for its financial strength. Farm Bureau currently receives an A (Excellent) AM Best rating. Although Farm Bureau is not included in J.D. Power customer satisfaction study scores relative to overall performance or to Missouri’s coverage area, it does have a complaint index with the National Association of Insurance Commissioners (NAIC) less than the national baseline of 1.0, meaning the company receives few customer service complaints. Currently, Farm Bureau scores a .80.

Reasons Missouri Farm Bureau insurance is a good option

For those who live in Missouri and are members of the Missouri Farm Bureau, the insurance options may offer several advantages. The carrier could be better for those who like the option of working with a local agent. There are also a large variety of policy options to cover almost any aspect of your home, auto or business. The variety of discounts offer potential savings on already competitive rates.

While Missouri Farm Bureau offers plenty of advantages, if you rely heavily on a mobile app for policy management, you may be disappointed since there is not currently an insurance app available. If you need to call customer service, you should also be aware of the limited hours Monday through Friday only.

Additional policies offered by Missouri Farm Bureau

In addition to auto, home and life insurance policies, Missouri Farm Bureau offers a variety of specialty products, including:

  • Motorcycle
  • Motor home
  • Trailer
  • Commercial
  • Condo
  • Valuable personal property
  • Farm and ranch
  • Crop hail
  • Boat
  • Health insurance
  • Business
  • Umbrella coverage

Frequently asked questions

How do I submit a claim with Missouri Farm Bureau?

To submit any type of claim, you can either contact your local agent or call the customer service number. You can also start a claim online.

How do I obtain a quote with Missouri Farm Bureau?

To obtain a quote for any type of policy, you must contact a local agent. There are currently no other options for this process other than getting in touch with an agent. You can submit a query online to have an agent contact you.


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,, and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor