North Carolina Farm Bureau Insurance Review

  • With 3.0/5 stars in 2024, North Carolina Farm Bureau is an average insurance company.
  • Read North Carolina Farm Bureau reviews, complaints and prices before you buy.
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Beth Swanson

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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…

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Ross Martin

Insurance Writer

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

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Insurance Analyst

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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…

North Carolina Farm Bureau insurance: Ratings and reviews

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Rating from The Zebra Question mark icon

North Carolina Farm Bureau Insurance (NCFB) is a well-established regional provider offering a range of auto insurance coverage to residents of North Carolina. Although the size of NCFB may keep it from ranking as one of the top carriers in the nation, it does stand out as one of the best regional carriers in the southeast.

This review offers a balanced look at North Carolina Farm Bureau, its strengths and areas where there may be room for improvement.

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3.0 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
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  • Tailored coverage options for North Carolina residents

  • Variety of discounts available, including unique agriculture-related discounts

  • Strong presence and reputation in North Carolina

  • Local agents provide personalized customer service

  • Limited to residents of North Carolina

  • Some customers report longer claims processing times

  • Limited digital tools compared to larger insurers

Is North Carolina Farm Bureau a good insurance company?

The majority of The Zebra's review incorporates how well NCFB scores in terms of customer service. In order to determine that we looked at the following third-party ratings.

Customer Satisfaction: Above average

  • J.D. Power rated North Carolina Farm Bureau as Above average in overall auto customer satisfaction[1]

Complaint Index: Below average

  • The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for North Carolina Farm Bureau[2]

Financial Strength: Excellent/Good

  • North Carolina Farm Bureau received an Excellent/Good financial strength rating from A.M. Best for its ability to pay out claims[3]

The Zebra Customer Satisfaction Survey

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 North Carolina Farm Bureau for it to be included.

How much does North Carolina Farm Bureau insurance cost?

Currently, the national average for a 6-month car insurance policy is $880, whereas North Carolina Farm Bureau is about $432 or roughly 51% 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 North Carolina Farm Bureau can vary based on numerous factors, including your driving history, your vehicle, and where you live in the state. Remember, it's crucial to get a personalized quote for the most accurate pricing.

Average Monthly Cost by Insurance Carrier
Company Avg. Monthly Premium
North Carolina Farm Bureau $72
Travelers $112
Nationwide $123
GEICO $129
State Farm $131
Farmers $149
Progressive $157
Allstate $201

Similar to other insurers, the rates from North Carolina 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 NCFB's car insurance premiums for different age brackets.

North Carolina Farm Bureau Costs by Age Group
Age Group Avg. Monthly Premium
Teens $153
20s $72
60s $72
40s $72
30s $72
50s $72

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

Farm Bureau insurance typically offers several auto insurance discounts that could help lower your premium, but sometimes they can differ from state to state. Some of the carrier's more common discounts are:

  • Multi-policy discount: Get this common discount by bundling auto insurance with another NCFB insurance product.
  • Safe driver discount: Good drivers without any recent accidents or violations can qualify for some savings.
  • Good student discount: Keep your grades up to get this student discount.

To learn about other North Carolina-specific discounts that may be available to you, it's best to contact a local NCFB agent.

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What types of coverage does North Carolina Farm Bureau offer?

NCFB offers a wide array of standard coverage options, including liability, comprehensive and collision coverage. Two common coverages you can add to a policy are:

  • Roadside assistance: This 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

NCFB 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
  • Business insurance

Find more about North Carolina Farm Bureau's wide range of products here.



NCFB does require a membership to Farm Bureau to qualify for insurance coverage. This typically involves annual dues of $25, and as a member, you can take advantage of additional benefits. A few of the benefits that come along with a North Carolina Farm Bureau membership are:

  • Discounts on new Ford vehicles
  • Hotel discounts
  • Rental car savings
  • Farm Bureau bank and mortgage access
  • Lasik eye surgery discounts
  • Dollywood & Biltmore discounts

Click here for more information about obtaining a Farm Bureau membership in North Carolina.

North Carolina Farm Bureau insurance review: Summary

In summary, North Carolina Farm Bureau is a reliable, locally-focused insurance provider that offers a range of coverage options for North Carolina residents. It provides a range of potential discounts to Farm Bureau members, has a strong local presence and offers personalized customer service through local agents. While some customers report longer claims processing times and its digital tools may not be as advanced as larger insurers, its commitment to serving the North Carolina community is clear. Prospective customers should gather quotes and coverage details from various providers to ensure they're receiving the best value for their needs, but Farm Bureau is likely worth a closer look if you're in the market for a new insurer in North Carolina.

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.

North Carolina Farm Bureau insurance: Frequently asked questions

North Carolina Farm Bureau Insurance is a good choice for North Carolina residents looking for locally-focused coverage with personalized customer service and unique agriculture-related discounts. However, prospective customers should be aware of potentially longer claims processing times and limited digital tools.

NC Farm Bureau, or North Carolina Farm Bureau, only sells policies in North Carolina.

NC Farm Bureau offers several lines of insurance including auto, home, life, farm, business and liability insurance.

In addition to insurance services, NC Farm Bureau offers members access to a wide array of discounts from companies like Ford, Avis, IHG Hotels, Qualsight Lasik, FB Bank and more.

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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.