Georgia Farm Bureau Insurance Review
- With 2.7/5 stars in 2024, Georgia Farm Bureau is an average insurance company.
- Read Georgia Farm Bureau reviews, complaints and prices before you buy.
Georgia Farm Bureau insurance: Ratings and reviews
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.
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Focused on Georgia's residents and their specific needs
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Variety of coverage options
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Strong local presence with agents available in each county
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Membership is required to access insurance
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Limited online tools and services
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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:Â 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 $1093, 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.
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| 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 |
Source: The Zebra
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.Â
The table below shows Georgia Farm Bureau's car insurance premiums for different age brackets.Â
Updating data...
| Age Group | Avg. Monthly Premium |
|---|---|
| Teens | $339 |
| 20s | $149 |
| 30s | $119 |
| 40s | $114 |
| 50s | $108 |
| 60s | $107 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
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.Â
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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.
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
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.