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 24, 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 (AINS)
  • Professional Risk Consultant (PRC)
  • Associate in Insurance Services (AIS)

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.

Step 3: Compare your quotes

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

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!

Pin
Shield checkmark No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

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. Therefore, we…
Aug 3, 2023 Snellville, GA

Who insures a teenage driver after a divorce?

Generally speaking, in a divorce the parent with primary custody should insure the child on their policy. The tricky part would be if your son will be driving your vehicle while at your home and then his father's vehicle when he stays with him. In that instance, it would be best for you and your ex…
Mar 18, 2026 Manhattan, KS

Can I get homeowners insurance with non-permitted roof repairs?

Thanks for reaching out about this! In short, yes, this will affect your insurance. Buying a home is a big life event and can be stressful even without surprises, so discovering that things weren't done according to code or local regulations can be incredibly frustrating (and potentially unsafe). C…
Aug 8, 2025 Palm Coast, FL

If I am buying car insurance and already have motorcycle insurance, will I be eligible for a prior insurance discount?

With the majority of companies, a prior insurance discount for auto coverage is based on being previously insured under an auto policy. Unfortunately, most companies won't consider an existing motorcycle policy to be sufficient to qualify for a continuous insurance discount. It may be possible that…
Aug 13, 2024 Peoria, AZ