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 (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.

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!

No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Do I have to be a member to get Farm Bureau insurance?

In many states, yes, joining your local Farm Bureau is part of getting home and auto insurance through them. There is also a membership fee, but dues are pretty affordable, often between $25 and $75 per year, depending on location. That small fee helps fund local programs and gives you access to a …
Oct 16, 2025 Moline, IL

My liability only car was hit by a stolen vehicle

Unfortunately, the owner of the vehicle that was stolen isn't liable because the fact they didn't give permission to the driver negates any coverage. The individual who stole the vehicle and caused the damage is responsible. I would contact the owner of the vehicle to get the police repor…
Jun 18, 2018 Hutchinson, KS

Is there a way to get car insurance quotes without having a car first?

You don't have to physically own or possess a vehicle to get a car insurance quote, but you will at least need a year, make, and model of a vehicle you're interested in purchasing to get a quote.The great thing about The Zebra is that it's easy to compare quotes for any vehicle you m…
Oct 24, 2016 Southfield, MI

If my laptop was stolen from my car, how do I get it replaced?

Typically, yes, your property inside the car will be covered by the personal property coverage on your homeowners or renters coverage. Any damage to your car would be covered by your auto insurance policy, but the personal property should be covered by your renters insurance policy, and that includ…
Oct 20, 2022 Wichita, KS