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Missouri Farm Bureau Insurance is available to any member of the state’s Farm Bureau, but you don’t have to be a farmer to join the organization. In this article, we’ll look at the coverage options you can get with Missouri Farm Bureau and what other customers have experienced.

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

For an easy process, we recommend that you use our quote comparison tool above to get started. 

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Missouri Farm Bureau Insurance At A Glance

Pros A+ rating from the Better Business Bureau (BBB) "Excellent" financial strength rating from AM Best A good number of extra coverage choices
Cons No online quotes system

About Missouri Farm Bureau

Missouri Farm Bureau was the first statewide farm bureau around, having formed back in 1915. Today, Missouri Farm Bureau is part of a national network of Farm Bureau insurance companies. As we mentioned before, you don’t need to be a farmer, but you do need to be a member of Missouri Farm Bureau to get insurance through the company. It costs $30 per year to become a member, which isn’t too bad. As a member, you also get discounts on other products.

Across the country, multiple organizations underwrite insurance premiums for Farm Bureau members. Missouri Farm Bureau uses two wholly-owned subsidiaries for auto insurance: Town & Country Insurance Company of Missouri and New Horizons Insurance Company of Missouri.

Missouri Farm Bureau operates over 140 local offices and has a head office in Jefferson City, Missouri. The website claims that there is at least one agent in every county in the state. That’s definitely a plus.

As a member of the Farm Bureau, you have the opportunity to participate in the following committees:

  • State Resolutions Committee
  • Promotion and Education Committee
  • State Young Farmer Committee
  • Commodity Committees

Missouri Farm Bureau Insurance Coverage

You can get the six main types of car insurance coverage from Missouri Farm Bureau, some of which are required by the state:

  • Liability coverage (BI/PD): pays for repairs and medical bills for other parties in accidents you cause. It can be broken into bodily injury liability and property damage liability.
  • Collision coverage: pays for repairs to your car after an accident.
  • Comprehensive coverage: pays for repairs to your car after environmental events, theft, or vandalism.
  • Medical payments (MedPay): covers some of your medical bills after an accident.
  • Personal injury protection (PIP) can cover your medical bills, lost wages, and funeral costs after an accident.
  • Uninsured/underinsured motorist (UM/UIM): covers your medical bills and repairs if you get into an accident with someone who doesn’t have enough insurance.

Missouri Farm Bureau insurance plans can also cover a few extra options. Some of these are fairly common with insurance companies, but others are unique to the Farm Bureau.

  • Accidental death benefits
  • Reducing deductible
  • Auto loan/lease
  • New vehicle replacement cost for a total loss
  • Disability income
  • Miscellaneous equipment
  • Electronic equipment
  • Loss of personal property
  • Transportation and travel expenses
  • Emergency road service

In this day and age, pretty much everyone expects to get roadside assistance from their car insurance company if they want to. On the other hand, coverages like disability income,  electronic equipment, and accidental death benefits are less common.

Note that Missouri Farm Bureau insurance policies don’t have an option for rideshare insurance. That makes sense because rideshare companies like Uber and Lyft are pretty much nonexistent in rural areas. While Missouri Farm Bureau doesn’t have an app, the website is robust. You can pay the Farm Bureau online in a few clicks.

Missouri Farm Bureau Insurance Cost and Discounts

Many things can affect your car insurance rates. but according to our rate estimates, the average annual rate for Missouri Farm Bureau Insurance was $1,336. This is nearly $400 lower than the national average rate of $1,732 annually.

You should be aware that there are certain factors that can affect the cost of your car insurance premium. For example, a 19-year-old could pay almost twice as much as a 40-year-old, even if the two people had very similar situations otherwise. That’s because car insurance companies give you a price based on the likelihood that you will cause an accident.

You, in particular, could be the safest driver in the world, but your rate could be high because of things that are out of your control. Zip code, age, credit score, insurance history, driving record, and more can all affect your rates. That’s why it’s good to know what discounts you can get from a car insurance company.


Here are the discounts you have access to with Missouri Farm Bureau insurance:

  • Multi-vehicle
  • Multi-policy
  • Good student
  • Passive restraint
  • Accident-free
  • Preferred driver
  • Occupational discount
  • Hybrid discount

The occupational discount applies to occupations like law enforcement, county agents, conservation officials, and retired Missouri Farm Bureau employees.

So far, we’ve talked about discounts on your car insurance. However, there’s another type of discount that you can get with Missouri Farm Bureau insurance. You can get discounts on a number of products and services just by being a Farm Bureau member:

  • Travel: Farm Bureau members can get discounted rates on hotels, rental cars, and more.
  • Entertainment: Get discounts to family attractions, sporting events, and theme parks.
  • Auto: Farm Bureau members can get discounts when purchasing new vehicles from partner brands and discounts on other farm and ranch equipment.
  • Home: This includes discounts on pharmacy products and office supplies.

Getting A Quote

Some Farm Bureaus in other states provide insurance quotes online, but not Missouri. You have to contact an agent to get Missouri Farm Bureau Insurance coverage. The good thing is that there are agents in every county. It’s nice to talk to someone local instead of somebody in a call center in another state or even another country.

To make the process go smoothly with Missouri Farm Bureau, you should have a few pieces of information ready to give to your agent:

  • Contact information
  • Driving history for you and any other driver on the policy
  • Make, model, and vehicle identification number (VIN) for any car you want to insure
  • Your current coverage limits
  • Your desired coverage levels, if different

The insurance agent will probably want information on whether you own or rent your home as well. When you call, make sure to ask the agent to double-check your eligibility for discounts on Missouri Farm Bureau insurance. It’s possible that not all discounts are listed online.

If you want an easier way to get a cheap quote, use our easy tool to compare the best options in your area.

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Missouri Farm Bureau Insurance Reviews

As we mentioned at the beginning, Missouri Farm Bureau Insurance has an A+ rating from the BBB. However, it has a 1.0 out of 5.0-star rating on the BBB, which comes from just two customer reviews. Here are a couple of comments from that page and the complaints page:

“I love having Farm Bureau Insurance. They are a great company. I have my car insurance [through] them, and although I pay a hefty price, I know that I am protected at every angle, and my agent will be there.” 

– Anonymous via BBB

“Our daughter is on our auto insurance and was in an accident in Kentucky, and her car totaled out on [September 23, 2019]. We were quoted an amount of $3,171.33 for her totaled car. As of [November 1, 2019], we still have no check and no car.” 

– Anonymous via BBB

Our Verdict

We think Missouri Farm Bureau insurance is a solid, middle-of-the-road choice. The car insurance company offers a good number of coverage options and discounts. However, it might not have the best prices, and there aren’t any bells and whistles or apps that track your driving.

If you’re looking for more than auto insurance, the Missouri Farm Bureau also sells the following policies:

  • Small business insurance
  • Home insurance
  • Renters insurance
  • Life insurance
  • Farm and ranch insurance

Best Car Insurance Providers

It’s always a good idea to get more than one car insurance quote. In fact, we recommend you get at least three. That way, you can tell if you’re getting the best deal. While there are hundreds of options out there, there are really only a few companies that consistently perform well across different categories.

To help cut through the noise, we’ve reviewed the top car insurance companies out there and ranked them on things like price, customer service, availability, and industry reputation. If you’re looking to compare a few prices with your Missouri Farm Bureau Insurance quote, check out Progressive and USAA.

Use the tool below to collect and compare car insurance quotes from providers available in your state.

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Enter your zip code to shop for the best rates in your area:

Progressive: 4.6 Stars

If you’re into technology, Progressive should be on your insurance shopping list. Progressive’s Snapshot® app tracks your driving and gives you discounts based on your skill, plus you can use it to become a better driver. Progressive also has a robust app that lets you pay your bill, view your insurance card, request roadside assistance, and more. We awarded Progressive 4.6 stars in our review of the company. Read our complete Progressive auto insurance review to learn more.

USAA: 4.8 Stars

If you’ve been a member of the military, USAA is another great choice. The company is only available to active service members, veterans, and their family members. USAA’s prices are usually cheaper than any of its competition, plus it offers deep discounts for members going through a deployment. USAA scored 909 out of 1,000 points on J.D. Power’s 2021 Auto Claims Satisfaction StudySM. Read our full USAA auto insurance review to learn more about coverage.

FAQ: Missouri Farm Bureau Insurance


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.