Farm Bureau Insurance of Tennessee Review (2025)
- Overall rating: good (3.9/5 stars)
- Average cost: $963 for a 6-month policy
- 95.4% of customers recommend Farm Bureau of Tennessee
Read more below to get a quote directly from Farm Bureau of Tennessee.
Farm Bureau Insurance of Tennessee: A good choice for local drivers
Standard discounts (along with membership perks), basic coverage options and average prices among similar carriers earn Farm Bureau of TN a good rating from experts at The Zebra. According to our survey respondents, our customers generally agree that Farm Bureau of Tennessee offers quality service, with helpful and knowledgeable agents and an easy claims-filing process.
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Ease of filing a claim: Multiple filing options make submitting claims simple and quick.
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Financial stability: Strong ratings indicate the carrier can pay claims during major events.
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Average processing time: Slow processing delays reimbursement when you need funds.
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Transparency in communications: Lack of communication forces you to chase down claim updates.
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 Farm Bureau of TN car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Farm Bureau of TN is about $963.[1]
Updating data...
| Company | Liability only | Full coverage |
|---|---|---|
| Tennessee Farm Bureau | $201 | $963 |
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.
See how Farm Bureau of TN stacks up against competitors →
Discounts offered at Farm Bureau of TN: membership discounts in addition to the usual
Farm Bureau of Tennessee (FBITN) offers standard discounts for its customers (such as multi-car and multi-policy discounts), as well as unique deals for Farm Bureau Federation members. This includes savings on hotels and rental cars.[2] FBITN doesn't list its full range of discounts online, so it's best to reach out to a local agent to see what you might qualify for.
Farm Bureau of Tennessee offers a program that encourages young drivers to practice safe driving and allows them to earn up to a 10% discount.
A bundling discount is listed on their website, which applies when combining auto, home, and/or life under the same membership. This may give a discount of up to about 15%.
| 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 Farm Bureau of TN has to offer, see their discounts page.
Compare with other companies
See how Farm Bureau of TN stacks up against similar companies
Cost: $963 average cost for a six-month policy
Customer satisfaction: Moderate
Our take:
- High online experience score
- Local agents and adjusters
- Additional membership perks
Cost: $$780 for a six-month auto policy
Customer satisfaction: Moderate
Our take:
- More auto coverage options than FBITN
- Less expensive than FBITN
- Similar customer satisfaction scores
Cost: $759 for a six-month auto policy
Customer satisfaction: Moderate
Our take:
- Strong response times
- More discount options than FBITN
- Less expensive than FBITN
Farm Bureau of Tennessee's customer service & claims experience: generally positive
Farm Bureau of Tennessee's customer service has received a positive response from customers. While routine tasks like managing your policy or handling claims are easy and efficient through their digital platforms, you may need to spend more time with an agent or adjuster if you file a complicated claim.
Thinking about Farm Bureau?
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Farm Bureau of TN Customer Survey results
95.4% of customers recommend Farm Bureau
The Zebra conducted a survey across 4,000+ users to gather ratings on major carriers' customer service, claims process, ease of use, and more. See how Farm Bureau was rated in individual categories by expanding the section below.[2]
How much will your rates climb after filing a claim with Farm Bureau?
No one wants to file a claim, but sometimes it's simply unavoidable. The table below provides some examples of the increase you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| One comp claim | $729 |
| Two comp claims | $729 |
| At-fault accident - $1000-$2000 | $729 |
| None | $729 |
| At-fault accident - greater than $2000 | $729 |
Source: The Zebra
Tennessee Farm Bureau’s claims process is straightforward and easy to complete online or through its mobile app. Customers generally find the process simple and timelines clear, but communication and perceived fairness tend to be average. Overall, satisfaction surveys place the company in the middle tier, suggesting that claims experiences can vary depending on the situation.
Coverage options: Varied and personalized
Beyond the standard coverage offerings you's expact from any carrier (like liability, collision and comprehensive, uninsured/underinsured motorist coverage, and personal injury protection) Farm Bureau offers additional insurance products like life insurance.
✔️ Rental car reimbursement
Carrier pulse: Recent news from Farm Bureau of TN
- Farm Bureau Insurance of Tennessee reported a strong year in 2024, showing stability, growth, and reliability for its customers. The company stayed financially solid, with record-high reserves and profits, and continues to lead the state in life insurance coverage.[3]
Final thoughts: Is Farm Bureau of Tennessee right for you?
Farm Bureau Insurance of Tennessee provides dependable, community-focused coverage with fair pricing and personalized policy options for drivers, homeowners, and small businesses. While its local agents and customer service earn strong marks, coverage and discounts can vary by county, and digital tools are more limited than those of larger national insurers.
Frequently Asked Questions about Farm Bureau of TN:
Get quotes from Farm Bureau and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
Farm Bureau Insurance of Tennessee Shares Results for 2024 and Celebrates its Deep Roots in the Farm Bureau. FBITN
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.