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Georgia Farm Bureau Insurance review 2022

Updated Nov 15, 2022
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Insurance through Georgia Farm Bureau is only available to individuals in Georgia who are also members of its organization. While it might not offer the most robust policy options, you could consider the company if you live in Georgia and want to support the local farming and agricultural industry.

Pros

  • Numerous discounts
  • Member benefits, including travel discounts
  • Policies include roadside assistance

Cons

  • Must purchase Farm Bureau membership and is only available in Georgia
  • Website has limited policy information
  • Lower AM Best rating of B++ (Good) compared to other insurers
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For an annual $35 fee, anyone can become a member of the Georgia Farm Bureau (GFB). Membership funds go toward boosting local and state initiatives that support farmers within the state. Once a member, the organization offers a complete range of insurance products for home and auto, with life insurance available through the Southern Farm Bureau organization. Bankrate covers everything you need to know in this Georgia Farm Bureau Insurance review.

Georgia Farm Bureau car insurance

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.

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Other benefits of Georgia Farm Bureau’s auto insurance policies include its local network of agents that live within the community. The company boasts that Georgians won’t be thirty minutes away from a local office. For those that want an online experience, Georgia Farm Bureau also offers the ability to file claims and do policy management online or through the mobile app.

Georgia Farm Bureau car insurance cost

The average cost of a Georgia Farm Bureau policy is slightly higher than the national average cost of car insurance, although this figure might change depending on your driving record. Drivers with an at-fault accident on their record pay less for car insurance compared to the national average for the same situation, although the cost is still higher for those with a speeding ticket. Although these rates can be useful for comparison purposes, requesting a car insurance quote from Georgia Farm Bureau will give you the most accurate estimate of your premium amount.

Georgia Farm Bureau average annual full coverage premium National average annual full coverage premium
Clean driving history $2,031 $1,771
Speeding ticket conviction $2,257 $2,138
At-fault accident $2,257 $2,521
Adding a 16-year-old driver $4,009 $3,852

Georgia Farm Bureau car insurance discounts

Stacking car insurance discounts is a great way to maximize your savings with the best car insurance companies. Some of GFB’s car insurance discount opportunities include:

Georgia Farm Bureau car services

Georgia Farm Bureau is offering a limited time promotion to GFB members, who can receive a $500 cash reward for buying or leasing an eligible Ford vehicle. Accepted vehicles include the 2020, 2021 and 2022 Ford Ranger, F-150 and Super Duty up to the F0550. In addition, 2022 Maverick vehicles are also included in this promotion, which ends in January 2023.

Georgia Farm Bureau home insurance

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 optional add-ons, just like some of the best home insurance companies do, including mechanical breakdown coverage and extended coverage for personal property like jewelry, furs, art and firearms. The mechanical breakdown coverage add-on can provide additional coverage toward expenses related to the breakdown of systems and appliances in a home. In keeping with its agricultural roots, other coverage options exist for those with home business or hobby farms.

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Georgia Farm Bureau home insurance cost

Georgia Farm Bureau home insurance is relatively affordable compared to the national average. For $250,000 in dwelling coverage, policyholders with Georgia Farm Bureau pay an average of $1,070 per year. Throughout the country, this same amount of coverage is around $1,383.

Dwelling coverage limit Georgia Farm Bureau average annual premium National average annual premium
$150,000 $952 $980
$250,000 $1,070 $1,383
$350,000 $1,651 $1,887
$450,000 $2,008 $2,351
$750,000 $2,622 $3,414

Georgia Farm Bureau home insurance 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 home services

Members of Georgia Farm Bureau are able to receive special mortgage options through the organization. These include USA loans, FHA loans, VA loans and more.

Georgia Farm Bureau life insurance

Life insurance can be an integral part of any family’s financial plan. Georgia Farm Bureau life insurance is offered through the Southern Farm Bureau Life Insurance Company. Its life insurance options include annuities, permanent life insurance and term life insurance.

 

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Georgia Farm Bureau life insurance endorsements

Although the website confirms that GFB’s life insurance can be personalized with different options, it does not share what is available.

Georgia Farm Bureau life services

GFB doesn’t advertise any additional life insurance services to its policyholders.

Other Georgia Farm Bureau perks worth considering

Georgia Farm Bureau offers a wide variety of perks beyond home, life and auto insurance. While its Member Benefits Directory has a full list of perks, here are just a few of the standout offerings:

  • Farm insurance: In addition to personal auto and homeowners insurance products, Georgia Farm Bureau also offers farm insurance for both hobby and full-time farmers.
  • Banking: GFB members can access deposit accounts, personal and business credit cards, equipment loans and more.
  • Home equipment discounts: Among the many discounts GFB members receive, the ones homeowners can benefit from are discounts on FYRE extinguishers, Bush Hog products, Grasshopper mowers and more.

Georgia Farm Bureau corporate sustainability

As a local organization, Georgia Farm Bureau is involved in supporting community organizations. Some previous initiatives were a toy drive with Kids Yule Love, fundraising for United in Pink, the Beverly Olson Children’s Hospital and the American Cancer Society.

Not sure if Georgia Farm Bureau is right for you? Consider these alternatives

Shopping around with different insurance carriers is the best way to find policies that meet your needs. If Georgia Farm Bureau doesn’t meet all of your needs, consider these other insurance companies:

  • Farm Bureau: Another insurance carrier tailored to farmers, Farm Bureau is also rated A for financial strength by AM Best.
  • Country Financial: In addition to personal home and auto insurance, Country Financial also offers coverage for farm and ranches, as well as business and crop investment insurance.
  • USAA: If you are a member of the military or a qualifying family member, USAA’s affordable home and auto insurance policies and highly rated customer service might be worth a look.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

Auto

  • $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 coverage that meets each state’s requirements. Our sample drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Homeowners

  • Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000
  • Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000
  • Coverage E, Liability: $300,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers and homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car and home insurance companies satisfy these priorities, third-party agency ratings from J.D. PowerAM BestS&PNAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers and homeowners, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry, as well as 40-year-old male and female homeowners with $250,000 in dwelling coverage. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers and homeowners may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

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