Kentucky Farm Bureau Insurance Review
- With 3.5/5 stars in 2023, Kentucky Farm Bureau is an average insurance company.
- Read Kentucky Farm Bureau reviews, complaints and prices before you buy.
Kentucky Farm Bureau insurance: Ratings and reviews
Kentucky Farm Bureau (KFB) is a well-known local insurer offering auto insurance to the residents of Kentucky. In this balanced review, we will examine what KFB brings to the table for potential policyholders.
Tailored coverage for Kentucky residents
Broad array of discounts to lower premiums
Local agents for personalized customer service
Limited to residents of Kentucky
Some customers report long claim resolution times
Limited digital tools compared to larger insurers
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 Kentucky Farm Bureau for it to be included.
How much does Kentucky Farm Bureau insurance cost?
Currently, the national average for a 6 month car insurance policy is $880, whereas Kentucky Farm Bureau is about $954 or roughly 8% more expensive 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 Kentucky Farm Bureau can vary based on numerous factors, including your driving history, your vehicle, and where you live in Kentucky. Remember, it's crucial to get a personalized quote for the most accurate pricing.
Similar to other insurers, the rates from Kentucky Farm Bureau auto insurance will vary based on your age and the price generally will get cheaper the older you get.
The table below shows KFB's car insurance premiums for different age brackets.
|Age Group||Avg. Monthly Premium|
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.
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What types of coverage does Kentucky Farm Bureau offer?
Kentucky Farm Bureau offers a wide array of standard coverage options, including liability, comprehensive, and collision coverage. Here are a few notable offerings:
- Roadside Assistance: Provides coverage for emergencies like a flat tire or a dead battery.
- Rental Reimbursement: If your car is in the shop for repairs from a covered claim, this coverage can help pay for a rental car.
KFB offers an array of products other than auto insurance. Some of the carrier's additional products include:
- Home insurance
- Farm insurance
- Life insurance
- Renters insurance
- Flood insurance
- Boat insurance
Find more about Kentucky Farm Bureau's wide range of products here.
Kentucky Farm Bureau offers a telematics program called DriveRight that can help encourage positive driving habits, while also getting you a savings of 5%. The app tracks driving habits such as acceleration, braking, phone use, and more, then gives you a score each time you take a trip. The app can even tell if you're the driver or the passenger! After just three recorded trips you'll qualify for the discount on your premium.
The app is available on both Android and IOS devices, so it's easy to download, confirm a code with your local agent, and start tracking and saving as soon as possible.
Kentucky Farm Bureau insurance review: Summary
In summary, Kentucky Farm Bureau offers solid auto insurance options tailored to the specific needs of Kentucky residents. Their broad range of discounts and local customer service can be a plus for many, and they offer an extensive list of additional products if you're looking to bundle policies. However, Kentucky Farm Bureau is specific to that state's residents, and some customers report slower claims processing times. As with any insurance decision, it's crucial to obtain personalized quotes and compare offerings across providers to find the best fit for your needs.
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.
Kentucky Farm Bureau insurance: Frequently asked questions
Is Kentucky Farm Bureau a good insurance company?
Kentucky Farm Bureau is a good option for Kentucky residents seeking tailored auto insurance coverage, as they offer personalized service, a variety of discounts, and the option to bundle policies. However, potential customers should be aware of possible delays in claims processing and limited digital tools compared to larger insurers.
How much is Kentucky Farm Bureau insurance?
According to The Zebra's data, Kentucky Farm Bureau costs above average. However, it's important to keep in mind your actual premium will vary based on the type of insurance, coverage options, and individual factors. It's always best to obtain personalized quotes from multiple insurers to make sure you are getting the best deal for your unique situation.
What states does Kentucky Farm Bureau write in?
Kentucky Farm Bureau serves only residents of Kentucky.
Do I have to be a member to get Kentucky Farm Bureau insurance?
Yes, Farm Bureau membership is required to get Kentucky Farm Bureau insurance. However, you don't have to live in a rural area or own farmland to become a member.
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