Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

I don't get how Farm Bureau is structured

Is “Farm Bureau” one big company? Where does the insurance part come in? I see their quotes around, but it's kind of confusing because they're separated by state, but it seems like one big company.

Oct 21, 2025 Wichita, KS

Answer
Author profile picture

Beth Swanson

Insurance Analyst

Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • Associate in Insurance
  • Professional Risk Consultant

Excellent question! The name “Farm Bureau” actually refers to a network of local organizations and insurance companies that share the same roots but operate separately. At the national level, there’s the American Farm Bureau Federation, a nonprofit that supports farmers and rural communities. It doesn’t sell insurance itself, but many State Farm Bureaus have created their own insurance companies to serve local members.

Each state’s Farm Bureau usually partners with or owns its own insurance company. These companies use the Farm Bureau name but run independently. They offer policies like auto, home, farm, and life insurance. Because they’re locally managed, coverages, prices, and discounts can vary by state.

There are a few large regional families, plus several standalone state insurers:

  • Farm Bureau Financial Services (FBFS) serves much of the Midwest and Western U.S., including states like Iowa, Missouri, Kansas, and Utah.
  • Southern Farm Bureau Casualty (and Southern Farm Bureau Life) cover parts of the South, like Mississippi, Louisiana, and Arkansas.
  • COUNTRY Financial, tied to the Illinois Farm Bureau, operates in multiple states.
    Other states (like Texas, Kentucky, Georgia, Virginia, and Michigan) run their own Farm Bureau insurance companies.

Farm Bureau’s model is built on local control. Each state’s insurance arm is designed to meet the needs of its residents, rather than follow one national playbook. That means you get a company that knows your state’s farming, weather, and insurance regulations.; but it also means your coverage and pricing won’t look exactly like your neighbor’s in another state.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Good rates with Penn, but how about claims?

That’s a fair question. Most people find Penn National quick and helpful for smaller claims. Things like roof repairs or minor car damage usually get handled fast, but bigger claims can take longer. That’s pretty common with any insurer, especially when multiple estimates or inspections are involve…
Oct 21, 2025 Greenville, NC

Are pay-per-mile companies worth it if my driving changes a lot?

It depends. Pay-per-mile companies like Mile Auto and Metromile can definitely save money if you’re consistently under the national average (about 12,000 miles a year). Since you’re charged for the miles you drive, the fewer miles, the lower the bill.But the key word here is consistency. If your mi…
Sep 25, 2025 Atlanta, GA

Are claims with a smaller company like Erie any different from the big names?

Erie generally has a stronger reputation for claims than a lot of national carriers, especially in states like Ohio where they’ve been around for decades. Instead of funneling everything through a giant call center, they often work through local agents and repair shops, which can make the process f…
Jun 10, 2020 Columbus, OH

Is there a grace period for buying car insurance in GA from private seller?

While all cars need to be registered and insured by law in Georgia, the amount of time you are allowed to drive a new vehicle before adding it to your car insurance policy depends heavily on who you are insured by: some companies give you 30 days, some don't even offer a grace period. Therefor…
Apr 5, 2018 Snellville, GA