Georgia Farm Bureau Insurance Review

  • With 2.7/5 stars in 2023, Georgia Farm Bureau is an average insurance company.
  • Read Georgia Farm Bureau reviews, complaints and prices before you buy.
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Beth Swanson

SEO Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

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Kristine Lee

Manager, Content and Data

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  • Licensed Insurance Agent — Property and Casualty

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Manager, Content Quality

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  • Licensed Insurance Agent (former) — Property and Casualty

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers…

Georgia Farm Bureau insurance: Ratings and reviews

2.7 100% filled Star icon 100% filled Star icon 70.00000000000001% filled Star icon 0% filled Star icon 0% filled Star icon

Rating from The Zebra Question mark icon

As a member-based insurance provider, Georgia Farm Bureau caters to the unique needs of the Peach State's residents. This review presents an unbiased view of Georgia Farm Bureau's car insurance offerings, aiming to assist potential customers in making an informed decision.

100% filled Star icon 100% filled Star icon 70.00000000000001% filled Star icon 0% filled Star icon 0% filled Star icon
2.7 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
Georgia Farm Bureau Quotes
Pros
  • Focused on Georgia's residents and their specific needs

  • Variety of coverage options

  • Strong local presence with agents available in each county

Cons
  • Membership is required to access insurance

  • Limited online tools and services

  • Some complaints about claim resolution times


Is Georgia Farm Bureau a good insurance company?

We evaluate Georgia Farm Bureau Insurance based on their customer service, claims satisfaction, and financial strength:

Claims Satisfaction: Not rated

Customer Satisfaction: 1/5

  • The Better Business Bureau rated Georgia Farm Bureau as 1/5 in overall auto customer satisfaction[1]

Complaint Index: Below average

  • The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for Georgia Farm Bureau[2]

Financial Strength: Excellent/Good

  • Georgia Farm Bureau received an Excellent/Good financial strength rating from A.M. Best for its ability to pay out claims[3]

In addition to third-party ratings, we like to incorporate the results from our own consumer survey where we ranked which auto insurance companies are the best based on feedback from real customers. However, we did not collect a sufficient amount of data on Georgia Farm Bureau for it to be included.


How much does Georgia Farm Bureau insurance cost?

Currently, the national average for a 6 month car insurance policy is $880, whereas Georgia Farm Bureau is about $733 or roughly 17% cheaper than a typical policy, so it might be one of the cheapest auto insurance options available, depending on your individual rating factors.

The cost of car insurance with Georgia Farm Bureau can vary based on numerous factors, including your driving history, your vehicle, and where you live in Georgia. Remember, it's crucial to get a personalized quote for the most accurate pricing.

 

 

Average Monthly Cost by Insurance Carrier
Company Avg. Monthly Premium
Travelers $112
Georgia Farm Bureau $122
Nationwide $123
GEICO $129
American Family $131
State Farm $131
Farmers $149
Progressive $157
Allstate $201
Updated: 10/30/23.

Like with other insurance companies, pricing for Georgia Farm Bureau auto insurance does vary based on your age and generally will get cheaper the older you get

The table below shows Georgia Farm Bureau's car insurance premiums for different age brackets. 

Georgia Farm Bureau Costs by Age Group
Age Group Avg. Monthly Premium
Teens $339
20s $149
30s $119
40s $114
50s $108
60s $107
Updated: 10/30/23.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.

Discounts offered

Georgia Farm Bureau offers several auto insurance discounts that could help lower your premium:

  • Multi-policy discount
  • Safe driver discount
  • Good student discount
  • Military discount
  • Defensive driving class
  • Farm auto rates

To see if you're eligible for these or other discounts, reach out to a Georgia Farm Bureau agent to find out details. 

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What types of coverage does Georgia Farm Bureau offer?

One important part of our insurance carrier review is evaluating the types of coverage offered. Alongside standard coverage options like liability, collision, and comprehensive, Georgia Farm Bureau offers:

  • Uninsured/underinsured motorist coverage: Protects you if you're involved in an accident with a driver who doesn't have insurance or enough insurance to cover the damages.
  • Medical payments coverage: Helps cover medical or funeral costs resulting from a car accident.
  • Roadside assistance: An optional coverage to help you out of a tough situation like running out of gas, a flat tire, or a lock-out when traveling in your vehicle.

Read more about Georgia Farm Bureau's auto coverage here.

Additional products

Georgia Farm Bureau offers an array of products other than auto insurance. For instance, you can also obtain the following coverage and potentially qualify for a multiple-policy discount:

  • Home insurance
  • Farm insurance
  • Life insurance
  • Renters insurance
  • Condo insurance
  • Motorcycle insurance

Find more about Georgia Farm Bureau's products here.

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Membership

Georgia Farm Bureau is more unique than other insurance carriers due to its membership program. To qualify for insurance coverage, you must be a member of Farm Bureau. However, membership isn't limited to those in rural settings, despite the name.

For an annual $35 in dues, your membership helps Farm Bureau advocate for farmers and landowners not just in Georgia, but nationwide. They also support 4-H and FFA programs, as well as Georgia High School Athletic Association. Plus, you get the added bonus of eligibility for affordable insurance coverage, as well as discounts and perks. A few of the benefits that come along with a Farm Bureau membership are:

  • Discounts on new Ford vehicles
  • Hotel discounts
  • Rental car savings
  • Farm Bureau bank and mortgage access
  • Identity theft protection
  • Theme park discounts

Georgia Farm Bureau insurance review: Summary

Georgia Farm Bureau provides a wide range of coverage options and numerous discounts to its members, offering a strong local presence with personalized service. However, potential customers should be aware that membership is required to access insurance services, and some customers have raised concerns about claim resolution times. As always, we recommend getting personalized quotes and comparing options to make the most informed decision.

Methodology — how The Zebra reviews insurance companies

The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:

  • Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
  • Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
  • Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
  • Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
  • The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.

For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

These sample premiums are dynamic and automatically refresh whenever the newest data is made available.

To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.

For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.


Georgia Farm Bureau insurance: Frequently asked questions

Georgia Farm Bureau is a good choice for residents of Georgia who value personalized service, a strong local presence, and a variety of coverage options. Those who prioritize online tools and services and speedy claims resolution may do better looking elsewhere.

Based on our data, the average cost of Georgia Farm Bureau insurance is lower than the national average. However, your actual rate may vary greatly based on the type of insurance, coverage options, and individual factors. For the most accurate premium, it's best to obtain a personalized quote.

Yes, you must be a member of Farm Bureau to access their insurance coverage, but membership is open to a wide range of individuals, not just those in rural settings.

Georgia Farm Bureau only serves residents of Georgia.

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