Kentucky Farm Bureau Insurance Review
- With 3.5/5 stars in 2024, 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.
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Tailored coverage for Kentucky residents
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Broad array of discounts to lower premiums
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Local agents for personalized customer service
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Limited to residents of Kentucky
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Some customers report long claim resolution times
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Limited digital tools compared to larger insurers
Is Kentucky Farm Bureau a good insurance company?
We evaluate Kentucky Farm Bureau Insurance based on their customer service, claims satisfaction, and financial strength:
Trustpilot:Â 3.2/5
- Trustpilot rated Kentucky Farm Bureau as Above average in overall auto customer satisfaction[1]
Customer Satisfaction: Above average
- J.D. Power rated Kentucky Farm Bureau as Above average in overall auto customer satisfaction[2]
Complaint Index: Below average
- The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for Kentucky Farm Bureau[3]
Financial Strength: Excellent/Good
- Kentucky Farm Bureau received an Excellent/Good financial strength rating from A.M. Best for its ability to pay out claims[4]
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 $1,093, 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.
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Updating data...
| Company | Avg. Monthly Premium |
|---|---|
| Erie | $108 |
| Travelers | $112 |
| Nationwide | $123 |
| GEICO | $129 |
| State Farm | $131 |
| Farmers | $149 |
| Progressive | $157 |
| Kentucky Farm Bureau | $159 |
| Allstate | $201 |
Source: The Zebra
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.Â
The table below shows KFB's car insurance premiums for different age brackets.
Updating data...
| Age Group | Avg. Monthly Premium |
|---|---|
| Teens | $486 |
| 20s | $246 |
| 30s | $171 |
| 40s | $166 |
| 60s | $141 |
| 50s | $137 |
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
Kentucky Farm Bureau offers several auto insurance discounts that could help lower your premium:
- Multi-policy discount
- Safe driver discount
- Good student discount
- Defensive driving class
- Auto safety devices
Click here to learn more about KFB's ways to save.
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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.
Additional products
KFB offers an array of products other than auto insurance. Some of the carrier's additional products include:Â
- Home insurance
- Farm insurance
- Life insurance
- Renters insurance
- Flood insurance
- Boat insurance
Find more about Kentucky Farm Bureau's wide range of products here.
DriveRight
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.Â
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
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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.