Customer experiences are mixed—while some report challenges with service, many appreciate Missouri Farm Bureau's affordable premiums, which help make it a strong choice for Missouri drivers.
Missouri Farm Bureau Insurance Review (2026)
- Overall rating: good (3.7/5 stars)
- Average cost: $880 for a 6-month policy
- Digital Experience Score: Good (3.7/5 stars)
Read more below to get a quote directly from Missouri Farm Bureau.
Reviewed By Tara Stumpf
Edited By Beth Swanson
Missouri Farm Bureau Insurance: A good option for Missouri drivers
A decent list of discounts with extra coverage options and below-average prices when comparing, Missouri Farm Bureau has a good rating from experts at The Zebra.
What customers like:
Claims convenience: Multiple filing options make submitting claims simple and quick.
Website usability: Easy-to-use website makes managing your policy simple.
Financial stability: Strong ratings indicate the carrier can pay claims during major events.
What customers don't like:
App limitations: Poor or missing app forces you to use less convenient methods.
Service concerns: Frequent complaints suggest problems with claims and customer service.
Lacks integration: No integration means managing insurance separately from other accounts.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Missouri Farm Bureau car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Missouri Farm Bureau is about .[1]
Table could not be displayed.
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.
See how Missouri Farm Bureau stacks up against competitors →
Discounts offered at Missouri Farm Bureau: membership discounts in addition to the usual offerings
Missouri Farm Bureau offers a wide range of discounts for its customers, including those available to Farm Bureau Federation members. This includes savings on hotels and rental cars.[2] Along with the common options you'll find elsewhere (such as multi-car policy and good student discounts), Missouri Farm Bureau also has additional opportunities to help customers lower their premiums, which you can see below:
Airbags
If your auto is equipped with factory-installed air bags that meet federal safety standards, this discount may apply.
Accident free
This discount applies if you have been accident free for the past 3 years and may increase periodically as long as no accidents have been reported.
Hybrid
If your vehicle is a hybrid or electric, it is eligible for a discount.
| Multi-Policy Discount | Low Mileage Discount |
| Driveology Discount | Multi-Car Discount |
| Claim Free Discount | Continuous Discount |
| Good Student Discount | Paid In Full Discount |
| Safe Young Driver Discount |
To learn more about each discount Missouri Farm Bureau has to offer, see their discounts page.
Compare with other companies
See how Missouri Farm Bureau stacks up against similar companies
Cost: $880 average cost for a six month policy
Customer satisfaction: Moderate
Our take:
- Multiple ways to file claims
- Moderate customer satisfaction
- Reliable claims support
Cost: $954 for a six month auto policy
Customer satisfaction: High
Our take:
- More expensive than Missouri Farm Bureau
- More coverage options than Missouri Farm Bureau
- Better discount options than Missouri Farm Bureau
Cost: $1,118 average cost for a six-month policy
Customer satisfaction: Moderate
Our take:
- More expensive than Missouri Farm Bureau
- More coverage options than Missouri Farm Bureau
- Better discount options than Missouri Farm Bureau
Missouri Farm Bureau's customer service & claims experience: generally positive with some hiccups
Many policyholders appreciate the personalized service provided by local agents and report prompt, fair claims handling. However, some customers have experienced delays and communication challenges, particularly during busy periods. While digital tools are somewhat limited, the company’s community-focused approach and reliable support make it a solid choice for those seeking attentive, localized service.[3]
Thinking about Farm Bureau?
See what other driver are asking
I don't get how Farm Bureau is structured
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 do…
Do I have to be a member to get Farm Bureau insurance?
In many states, yes, joining your local Farm Bureau is part of getting home and auto insurance through them. There is also a membership fee, but dues are pretty affordable, often between $25 and $75 per year, depending on location. That small fee helps fund local programs and gives you access to a …
How much will your rates climb after filing a claim with Missouri Farm Bureau?
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $957 |
| Two comp claims | $957 |
| One comp claim | $957 |
| At-fault accident - greater than $2000 | $1,221 |
| At-fault accident - $1000-$2000 | $1,221 |
Source: The Zebra
Claims process: Dependable service with occasional hiccups
Missouri Farm Bureau Insurance provides multiple ways to file claims, including phone, online, and mobile app options. Many customers report prompt and professional service, though some experience occasional delays or communication issues. Overall, the company offers reliable claims support for most policyholders.
Coverage options: Flexible and customizable
Beyond the standard coverage offerings you'd expect from any carrier— like liability, electronic equipment, emergency road service and travel expenses— Missouri Farm Bureau many other options to choose from, which you can see below:
✔️ Accidental death
✔️ Auto loan/lease
✔️ Emergency road service
✔️ Loss to personal property
Final thoughts: Is Missouri Farm Bureau Right for You?
Missouri Farm Bureau provides affordable auto insurance and a strong local presence through its network of agents. Many customers value the personalized, community-focused service. Some report slower claims processing and limited digital tools, but the company remains a reliable choice for drivers seeking value and attentive, local support.
Frequently Asked Questions about Missouri Farm Bureau
Get quotes from Missouri Farm Bureau and other top companies
Sources:
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
Member benefits. MO Farm Bureau
Farm Bureau Life Insurance Company Named to 2025 Ward’s 50 List. FBFS
Farm Bureau Financial Services Included in America’s Best Insurance Companies 2025 Ranking for the Fourth Time.FBFS
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.