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With locations in every county, North Carolina Farm Bureau is one of the largest auto insurance companies in the state. The provider offers extensive coverage and reasonable rates, but is that enough to earn your loyalty?

Before you sign on the dotted line for a car insurance policy, do yourself a favor and research your options. It’s important to check out coverage, price, the claims process, and industry reputation when it comes to any car insurance company.

In this review, we’ll take a closer look at the North Carolina Farm Bureau. When you’re ready to start comparing quotes from the best car insurance companies in your area, you can enter your zip code in the tool above.

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About North Carolina Farm Bureau

The Farm Bureau is a nationwide organization built to support local farmers in each state. Although there is a focus on rural families, you do not have to be a farmer to get insurance from the Farm Bureau. You must simply pay annual dues to become a member.

You can find a Farm Bureau organization in most states around the country. Founded in 1953, the North Carolina Farm Bureau is headquartered in Raleigh, North Carolina.

The company provides standard coverage and add-ons like rental car reimbursement. Many customers compliment local agents who are familiar with the region and provide personalized service. The insurer has received overall positive reviews, however some negative reviewers mention a complicated or neglectful claims process.

North Carolina Farm Bureau Insurance Coverage

In some states, Farm Bureau insurance companies have third parties like American National and Alfa underwrite car insurance policies. However, in 19 states including North Carolina, the Farm Bureau writes its own policies. Each Farm Bureau location is owned and operated separately, so available coverage and cost can vary.

North Carolina Farm Bureau provides the following types of auto insurance coverage:

  • Bodily injury liability
  • Property damage liability
  • Collision insurance
  • Comprehensive insurance
  • Medical payments
  • Uninsured/underinsured motorist coverage
  • Roadside assistance
  • Rental reimbursement

Additionally, NC Farm Bureau offers home, life, health, and business insurance. You can bundle home and auto insurance or others to save money.

North Carolina Farm Bureau Insurance Cost and Discounts

The average cost for an insurance policy can differ from person to person, but according to our rate estimates, the average premium rate for North Carolina Farm Bureau Insurance was $975.80.

North Carolina Farm Bureau is known for lower-than-average car insurance rates. Keep in mind, though, that everyone’s insurance rate is different. Factors like your age, vehicle make and model, and driving history will affect your premium. That’s why it can be helpful to work with a local agent to make sure you are getting the most accurate quote.


North Carolina Farm Bureau offers the following discounts:

  • Multiple policy discount
  • Multiple vehicle discount
  • Experienced driver discount
  • Pay in full discount
  • Discount for married couples
  • Discount for vehicle safety devices

To get accurate cost information, we recommend getting personalized quotes by using our easy tool below.

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North Carolina Farm Bureau Customer Reviews

The North Carolina Farm Bureau has an A- rating from the Better Business Bureau (BBB) and does not hold accreditation.

According to J.D. Power’s 2021 Auto Insurance Study, NC Farm Bureau car insurance performed just below average for customer satisfaction during the claims process, earning 836 points out of a possible 1,000. It also earned high ratings for price and customer interactions. It also did well in the 2021 U.S. Auto Insurance Study and ranked ninth in the Southeast region.

Because North Carolina Farm Bureau locations are owned and operated separately, you may experience a different level of customer service from one to the next. Know that many reviewers highlight the North Carolina Farm Bureau’s friendly and personalized service. On the other hand, complaints mention long wait times for claims processing and poor representatives throughout the process.

Positive Reviews

“I have my homeowners and auto policy with Farm Bureau. My agent has my cell, and it’s easy to communicate.”

-Lee R. in Raleigh, via Yelp

Negative Reviews

“They were quite congenial when they wanted my business. Once they had it, it was virtually impossible to get in touch with anyone… Once I cancelled my policy, no calls were answered or returned. Save yourself the hassle.”

-Heidi E. in Wilmington, via Yelp

Our Verdict On North Carolina Farm Bureau: 4.0 Stars

North Carolina Farm Bureau is a good choice for North Carolina drivers seeking cheap car insurance. The insurer is financially stable, having received an A rating from AM Best, and there are a variety of discounts available to drivers. Some ways to save money include bundling policies and completing a driver safety program.

Customer reviews vary by location. Many motorists appreciate the company’s local service that feels personalized and friendly, while others take issue with claims filing.

Remember, you must be a member of the state Farm Bureau to get North Carolina Farm Bureau car insurance. However, membership fees are inexpensive and give you access to discounts for hotels, farm supplies, prescription drugs, vision plans, and other retailers.

Pros Local agents and customizable coverage Lower-than-average rates Overall positive reviews
Cons Must be a Farm Bureau member Performed below average in J.D. Power 2021 Auto Insurance Study Some complaints regarding the claims process

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Our Recommendations For Car Insurance

In our industry review, we studied more than 30 top auto insurance companies to grade coverage options, cost, and more. In the end, only a few providers came out ahead.

While shopping for North Carolina Farm Bureau insurance, check out State Farm and USAA. The two providers have a lot to offer. The only way to know what you will pay for either is to get a few car insurance quotes.

State Farm: Best For Students

State Farm is one of the largest insurance companies in the country. It has great options for families with students and teens, serving all 50 states. You can get a discount on your premium when you complete a new driver safety course, are a student, or bundle multiple policies.

With State Farm, you can get standard insurance coverage, but you can also add on special protection like gap insurance. State Farm additionally offers usage-based insurance options for drivers with low annual mileage. Call our team at (844) 246-8209 to get free, personalized quotes seven days a week, or fill out the form below. For more, read our full State Farm auto insurance review.

USAA: Best For Military

USAA earned 4.8 stars overall in our review. The provider supports veterans and active members of the military and their families. It’s available in all 50 states.

Along with standard coverage, you can get roadside assistance, rental car reimbursement, and accident forgiveness with USAA. Military members enjoy highly discounted rates, as well as discounts like saving for parking your vehicle on a military base. Read our full USAA auto insurance review to get more information.

FAQ: Frequently Asked Questions


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.