North Carolina Farm Bureau Insurance Review: Is NC Farm Bureau a Good Insurance Company?
- With 3.0/5 stars in 2025, North Carolina Farm Bureau is an average insurance company.
- Read North Carolina Farm Bureau reviews, complaints and prices before you buy.
North Carolina Farm Bureau insurance: Ratings and reviews
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.
-
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 $1,084, whereas North Carolina Farm Bureau is about $1,050 or roughly 3% 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.
Updating data...
| Company | Avg. Monthly Premium |
|---|---|
| North Carolina Farm Bureau | $72 |
| Travelers | $112 |
| Nationwide | $123 |
| GEICO | $129 |
| State Farm | $131 |
| Farmers | $149 |
| Progressive | $157 |
| Allstate | $201 |
Source: The Zebra
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.Â
The table below shows NCFB's car insurance premiums for different age brackets.
Updating data...
| Age Group | Avg. Monthly Premium |
|---|---|
| Teens | $153 |
| 20s | $72 |
| 60s | $72 |
| 40s | $72 |
| 30s | $72 |
| 50s | $72 |
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
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:Â Get this common discount by bundling auto insurance with another NCFB insurance product.
- Safe driver discount:Â Good drivers without any recent accidents or violations can qualify for some savings.
- Good student discount:Â 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.
Search, compare and buy all on one site. Start saving today!
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:Â
- Home insurance
- Farm insurance
- Life insurance
- Renters insurance
- Business insurance
Find more about North Carolina Farm Bureau's wide range of products here.
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 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.
North Carolina Farm Bureau insurance: Frequently asked questions
See car insurance quotes in less than five minutes!
Related Content
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.