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...

Service vs. savings

American National generally scores well for affordable rates and simple coverage options, especially for safe drivers. Where people get mixed feelings is customer service consistency—some policyholders say their local agent is great, while others report slow callbacks or delays once a claim moves t…
Mar 18, 2026 Hot Springs, AR

Is it normal for Allstate service to vary by agent?

It’s normal for Allstate's service to vary by agent, like just about any company or service. Allstate works through a large network of local agents, and many of them run their own offices. That means your experience can depend heavily on the specific agent and team you’re working with.Some homeowne…
Mar 18, 2026 Huntsville, AL

Should I still shop around if things are fine?

If you’re happy and your rates feel fair, there’s rarely a strong reason to move just for the sake of change. Amica consistently earns some of the highest marks in the industry for customer satisfaction and claims service. While you haven’t had to test that yet, it’s a good sign that things have go…
Mar 18, 2026 Boone, NC

Is it easier to use an agent to get Acuity or find insurance online?

Acuity does work through independent agents, but that doesn’t automatically mean more hassle. This comes up a lot from people who are used to self-managing everything online. Let's look at a few of the differences so you can get a better idea of what to expect if you're using a local agent versus a…
Mar 18, 2026 Cedar Rapids, IA