Missouri Farm Bureau Insurance Review

  • With 2.7/5 stars in 2024, Missouri Farm Bureau is an average insurance company.
  • Read Missouri Farm Bureau reviews, complaints and prices before you buy.
Location pin icon
No junk mail. No spam calls. Free quotes.

Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Beth Swanson

SEO Content Strategist

  • 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…

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

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…

Author profile picture

Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

Missouri 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

Missouri Farm Bureau Insurance is a well-known local insurance provider that aims to offer personalized service to its customers. Known for its close ties to the communities it serves, this review provides an unbiased look at what Missouri Farm Bureau offers in terms of car insurance.

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.
Missouri Farm Bureau Quotes
  • Strong presence and understanding of the local community

  • Comprehensive range of coverage options

  • Many discount opportunities for policyholders

  • Responsive and personalized customer service

  • Membership to Farm Bureau is required to access insurance

  • Possible higher premiums compared to national providers

  • Digital resources and online tools might not be as robust as larger insurers

Is Missouri Farm Bureau a good insurance company?

We evaluated Missouri 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 Missouri 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 Missouri Farm Bureau[2]

Financial Strength: Excellent/Good

  • Missouri 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 Missouri Farm Bureau for it to be included.

How much does Missouri Farm Bureau insurance cost?

Currently, the national average for a 6 month car insurance policy is $880, whereas Missouri Farm Bureau is about $648 or roughly 26% 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 Missouri Farm Bureau car insurance can vary based on factors such as your driving record, location, and vehicle type. For the most accurate pricing, obtaining personalized quotes is recommended.

Average Monthly Cost by Insurance Carrier
Company Avg. Monthly Premium
MO Farm Bureau Services $108
Travelers $112
Nationwide $123
GEICO $129
American Family $131
State Farm $131
Farmers $149
Progressive $157
Allstate $201

Similar to other insurance carriers, pricing for Missouri Farm Bureau auto insurance does vary based on your age and generally will get cheaper the older you get

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

Missouri Farm Bureau Costs by Age Group
Age Group Avg. Monthly Premium
Teens $325
20s $179
30s $108
40s $108
50s $101
60s $101

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

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

  • Multi-car discount- save up to 10%
  • Total account discount (bundling) - save up to 7.5%
  • Good student discount - save up to 20%
  • Accident-free discount - save up to 20%
  • Occupational discount - save up to 15%

Click here to see more about Missouri Farm Bureau's discounts and details about eligibility. 

Search, compare and buy all on one site. Start saving today!

Location pin icon
No junk mail. No spam calls. Free quotes.

What types of coverage does Missouri 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, Missouri 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 costs for anyone riding in the insured vehicle, as well as you and your family members in most other vehicles.
  • Roadside assistance: An optional coverage to help you out in an unexpected situation like running out of gas, a flat tire, or a lock-out when traveling in your vehicle.


Other optional add-ons may include the following:

  • Accidental Death Benefits
  • Auto Loan/Lease
  • Delivery Driver Network
  • Disability Income
  • Electronic Equipment
  • Emergency Road Service
  • Transportation and Travel Expenses
  • Loss to Personal Property
  • Miscellaneous Equipment
  • New Vehicle Replacement Cost for Total Loss
  • Reducing Deductible

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




Farm Bureau (in Missouri, as well as other states) 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. Missouri Farm Bureau notes that they advocate "for farmers, the rural way of life, and all Missourians."

Although there are annual dues of $30, your membership helps Farm Bureau advocate for farmers and landowners not just in Missouri, but nationwide. Plus, you get the added bonus of eligibility for affordable insurance coverage, as well as various discounts and perks. Click here to learn more about the benefits of becoming a Farm Bureau member.

Missouri Farm Bureau insurance review: Summary

In conclusion, Missouri Farm Bureau is a local insurer known for its personalized service and strong community ties. They offer a variety of coverages and discounts, though some customers report higher premiums compared to national insurers. The company's commitment to local service makes it an attractive choice for Missouri residents. As with any insurer, it's important to get personalized quotes and compare these to other providers for the best value.

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.

Missouri Farm Bureau insurance: Frequently asked questions

Missouri Farm Bureau insurance can be a good choice for individuals who value responsive and personalized service, desire a wide range of coverage options, and are willing to become Farm Bureau members. If you're not willing to pay the $25 per year membership fee, prefer a more user-friendly online experience, or need the cheapest rate possible will likely be better served elsewhere.

Missouri Farm Bureau is only available to residents of Missouri.

Missouri Farm Bureau does have an app, but it's mostly oriented to accessing discounts related to your Missouri Farm Bureau Membership.

Yes, you need Farm Bureau membership for their insurance, but it's not restricted to those seeking insurance in rural areas.

Get quotes from 100+ companies with The Zebra!

Location pin icon
No junk mail. No spam calls. Free quotes.

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.